
The Barbarians of the West are backwards in many respects. Among the areas which this is praticularly evident is that of commerce. There was little in the line of banking beyond money lenders, limited investments and currency was limited to crude affairs involving precious metals, a practice which was abandoned by the Zhong in the first half of the warring states period in favor of state backed currency systems (leaving aside the roots of banknotes which go back to the begining of the Tsen dynasty nearly a thousand years ago). This state of backwardsness is one that the Zhong government intends to rectify.
In Zhong occupied Territory, various programs have been set up to take gold and silver coins out of circulation. A major issue early on was a tendancy of the locals not to honor the validity of Zhong currency and see it as worthless because it was not based on any metal. This was dealt with and a fair number of former shop owners, pubicans and merchants have spent several years building roads and mining coal for doing so, with such activity generally dying out in the first few years. Government Services and Factories run by Zhong Industrialists pay their employees in Zhong Currency. Then comes the phasing out of existing gold and silver coins. First through allowing stores to only accept Zhong Money, then demanding that taxes be payed in Zhong Currency, demanding that taxes be payed in Zhong Currency and eventually banning the use of pre Zhong money. The process is still ongoing in regions.
To facilitate the shift over from gold and silver to the Zhong Jiaozi, various offices have been set up for exchange. This is one of said offices, with a Young Clerk assisting an elf. The exchange rate varries from district to district, but as an incentive to get people swich over as quickly as possible it drops as time goes on. Behind her a is a police officer, occasionally incidents happen. Humans are generally the earliest to switch over while dwarves (especially Dwarves in former Dwarven territory) and elves hold out. Dark Elves hold out if they can, but as they enter Zhong society penniless into cities in which Zhong progress they rarely obtain any amount of gold coinage. Gold and silver are generally kept in stores and sold to jewlers and to various supernatural workers which have applications for said metals. A notable side effect of gold collection is that it has caused deflation among the western kingdoms and states, resulting in economic issues.