I wield power with my innate talents, and forge the Heavenly Court.

"The most important thing is the existence of banks."

That statement truly gets to the heart of the matter.

They could use gold, silver, and copper coins as precious notes or banknotes.

However, the existence of banks directly cut off their source of income.

In the past, money lending by banks involved compounding interest, and it was common for loans to be repaid nine times out of ten and returned thirteen times.

If you only get half the interest, then you've truly encountered a rare and incredibly kind person.

However, the bank's interest rate is only a few percent.

This is a world of difference.

If we were to force their money shops to lower their interest rates to such a level, wouldn't that be like cutting into their flesh?
If we don't do it, the people aren't stupid, so why would they still go to money shops to borrow and deposit money?

"Are you willing?"

"So what if you don't give in?"

"If we unite..."

"Unite? Can we compare to the former Ming Dynasty?"

"If the Heavenly Dynasty's army could overthrow the Ming Dynasty, why can't they kill us?"

"This is ultimately different."

Now that the Celestial Empire has been newly established, it is a time when the world seeks stability.

Moreover, the imperial court even established a special Commerce Bureau, which suggests that it valued merchants.

If we unite, the imperial court should take our opinions seriously, right?

Furthermore, we are not trying to prevent the implementation of the imperial policies. As long as the imperial bank's interest rates are the same as, or even slightly higher than, those of money shops, our goal will be achieved.

"Old Age, what do you intend to do?"

Old Chen frowned and looked at the speaker, a seventy-year-old man dressed in bright yellow brocade and adorned with gold and silver ornaments.

“Coins like these are probably not easy to mint.”

If that's the case, could we pool our gold and silver and then run on a state bank?
If the bank cannot produce enough gold, silver, and copper coins, it will inevitably lose the trust of the people, causing its reputation to plummet.

Upon hearing this, Old Chen's expression changed drastically, and he hurriedly tried to stop him.

Absolutely not!
Doing so will only thoroughly enrage the imperial court and incur its wrath.
"At that time, we will definitely not get away with it."

At this moment, Old Chen couldn't help but feel extremely regretful; he shouldn't have come to this gathering.

"No, we can negotiate with the imperial court at that time. As long as they agree to raise bank interest rates, we can deposit our gold, silver and copper coins into the bank to resolve the bank's credit crisis."
I think the court's reputation is more important than a few small gains, isn't it?

The ancient man stared intently at the crowd, a foolish glint flashing in his eyes.

However, upon hearing this, everyone couldn't help but nod in agreement.

"That's right, that's right."

"That makes some sense."

Looking at the crowd, Old Chen felt like he was looking at a bunch of lunatics.

That's it?

You think you can force the court to compromise with this? You're dreaming.

Or rather, it's not that people didn't think of it, but they were blinded by profit. It was a last-ditch effort, a desperate act, because otherwise they would face a slow death.

"You're all crazy, crazy, I think you've all gone mad."
I have matters to attend to at home, so I will not keep you company any longer.

Looking at Gu Lao and the others with the eyes of someone looking at madmen, Old Chen stood up and was about to leave.

"Old Chen, why don't you sit down and have some tea with us?"

Gu Lao picked up the now-cold tea and took a slow, deliberate sip.

"You, you guys."

Seeing the cold gazes cast upon him, Old Chen's expression shifted several times before he could only sit down with a gloomy face.

In the Qianqing Palace, Wang Chao listened quietly to Li Hei's report, tapped his index finger lightly on the table, and a cold smile appeared on his face.

"A bank run?"
Ha, knowing full well that millions of taels of silver are nothing more than a few dozen or a few hundred gold coins, what makes them think they can run over the bank?
Moreover, knowing full well that this is national policy, they still dared to try to obstruct it; they are truly courting death.

"Your Majesty, shall we?"

A fierce glint flashed in Li Hei's eyes below.

"No need. Confiscating property and exterminating the entire clan, while simple, would certainly cause some chaos."
Just as they said, in today's Celestial Empire, stability is indeed the top priority.

"Is that the end of it?"

"Hehe, how could we just let it go like that?"
However, although they committed a bank run, it was at least reasonable and compliant with regulations.

Moreover, by doing so, they have truly saved me a great deal of time.
Moreover, I control a vast territory and countless people, so I don't need to resort to methods like confiscating property and exterminating entire clans.
"Boiling a frog in lukewarm water is the proper method."

Wang Chao narrowed his eyes, revealing a cold, unfathomable glint.

On July 20th, large-scale gold and silver exchange for new currency began to occur in Jiangnan, Shanxi and other places.

Truckloads of gold and silver were transported to the bank.

This rare occurrence immediately attracted a large crowd of onlookers.

Instead of driving them away, those people were extremely arrogant, bowing and laughing to the crowd, looking incredibly smug.

The large-scale exchange of gold and silver immediately strained the bank staff's resources, and occasionally they had to wait, or even exchange large amounts of copper coins.

It seems that the bank's gold and silver coins are somewhat insufficient due to the large-scale exchange.

This situation immediately caused some people to hesitate and observe.

Upon seeing this, the managers and owners of the various money shops were secretly delighted and immediately brought in a large amount of gold and silver again.

However, from morning to night, there was a large exchange of copper coins.

However, there was never a real shortage of currency.

Gradually, the managers and owners of the various money shops began to realize that something was amiss.

But by then, it was too late for them to back out.

Most of their gold and silver reserves have been converted into new currency.

Looking at the empty warehouse and a small pile of gold, silver and copper coins, everyone felt a sense of emptiness in their hearts.

It was the same teahouse, but everyone's faces were somber and somber.

"It seems the imperial court was prepared long ago."

"Ok!"

Fortunately, the imperial court does not seem to intend to pursue the matter.

"We didn't suffer any real losses." "Okay, let's leave it at that for now, that's all for now."

Old Chen watched all of this coldly, as if it had nothing to do with him.

It seems that things have truly come to an end here.

As time went by, the new banking and monetary system began to circulate fully in China.

Even neighboring countries take pride in using the currency of the Celestial Empire.

Even the princes, nobles, and common people of neighboring countries were more eager to possess the currency of the Celestial Empire.

It is for the purpose of upholding righteousness and warding off evil.

It is important to know that as the heavens and earth gradually ascend, their energy becomes increasingly concentrated, and the probability of demons and monsters being born increases rapidly.

Although the nation's destiny suppresses them, it only inhibits their strength and slows down their growth, but it cannot truly erase their existence, nor can it completely kill them.

These countries do not have the celestial and underworld realms of the Celestial Empire, nor the system of land gods and city gods to suppress ghosts and spirits.

Therefore, in the suburbs of these countries, there are many ghosts and monsters.

Especially at night, people can only stay at home obediently and dare not go out at all.

If you're targeted by a ghost or monster, you're basically doomed.

At this time, the gold, silver, and copper coins of the Celestial Empire could play a tremendous role.

In Kazakhstan, outside of Alimatu, a mountain village, the moon is bright and the stars are few, and everything in the village is clearly visible.

At this moment, all the villagers were asleep, with snores occasionally ringing out.

Time passed slowly, and soon it was midnight.

Just then, a fleeting figure arrived at the village entrance, paused briefly, and then walked towards the nearest house, or rather, drifted away.

When they arrived at the courtyard gate, the figure stood still, but a knock sounded at the gate.

"Slap! Slap! Slap!"

One sound after another echoed far and wide in the silent night, ethereal and profound.

The next instant, the snoring of the homeowner and the surrounding residents abruptly stopped.

A moment later, a faint, trembling female voice rang out from the bedroom.

"My love, is it...it's coming?"

Immediately following, a weak, childlike voice spoke up, also somewhat timidly.

"Mother, Father, your child is afraid!"
Shh~, don't make a sound, everything will be alright.

A deep male voice rang out. Although he tried his best to calm himself down and comfort his wife and children, his trembling voice betrayed his inner emotions.

"Slap! Slap! Slap! Slap slap slap! Slap slap slap."

"bang bang bang"

Clang, clang, creak, creak

The knocking grew louder and louder until it turned into banging on the door, which creaked violently as if it were about to be kicked open at any moment.

Hearing the commotion outside the door, the family of three inside and the neighbors all huddled together, listening to the deathly sounds.

Just then, the man seemed to suddenly remember something, his body trembled slightly, and he asked his wife in a low voice.

"Little Deer, do you still remember the copper coins I gave you a few days ago?"

"Copper coins? I remember, I remember."

Although she didn't know what her husband was asking about the copper coin, she still answered quickly and quietly.

"Hmm, where did you put it? Take it out quickly."

A slightly anxious voice rang out.

"Huh? Oh!"

Although the woman was puzzled, she nodded quickly and reached for the headboard.

"boom!"

"boom!"

Finally, a loud crash came from outside, and the door was smashed open by the ghostly creature.

At this moment, the woman, her hands trembling, took out the copper coin and handed it to the man.

"Gudong!"

The man swallowed hard, then said in a trembling voice:
"You stay here, I'll go check it out."

"My love, don't go out! You'll die!"

"Little deer, if we don't do this, we will all die."

"No!"

The woman cried out weakly, but could only watch as her husband left.

"Hoo~!"

The man took a deep breath, gripped the copper coin tightly in his hand, and cautiously approached the door. The meager divine power within him stirred restlessly, ready to be injected into the copper coin at any moment.

This copper coin is said to be a mysterious treasure from the far East, possessing magical power that can protect its owner from demons. It cost him two taels of silver to acquire it.

This was originally a gift he gave to his wife, hoping it would protect her.

This copper coin does indeed possess some mysterious qualities. As long as it is infused with divine power, it will emit a faint blue glow, and the patterns on it, such as dragons, phoenixes, and small tripods, will become lifelike, as if they were real.

He had never used it to fight the devil and did not know the extent of its power.

But at this point, it was his only lifeline, and he had no choice but to hold on to it tightly.

Otherwise, the entire family of three would have perished at the hands of the devil.

When he arrived at the front door of the house, that ethereal figure had already arrived outside the door.

"Slap! Slap! Slap!"

Once again, it began to repeat the same knocking rhythm.

As time passed, the knocking became more rapid and the force increased.

at last
"boom!"

With a loud crash, the door was smashed open, and a faint, ethereal figure drifted into the house.

"Ah~!"

Seeing the fleeting figure, the man suddenly let out a hysterical scream and pounced towards it. (End of Chapter)