After hearing Zhang Jingchu's words, Huang Zhiwen also picked up a silver dollar, blew it gently, put it to his ear, and immediately heard a very clear sound.
"Mr. Huang, I wonder if you are interested in depositing money in our bank. The interest rate on deposits in our bank is quite good. The one-year interest is more than 3%. If you deposit money regularly for three years, the interest will be more than 4% per year.
Already."
Zhang Jingchu did not forget her mission and also promoted the bank's deposit business to Huang Zhibin.
"More than three percent interest?"
When Zhang Jingchu heard this, she smiled and said: "I am just a small businessman. I don't have any money to deposit. I also want to ask you for a loan. Can you tell us about this loan?"
"Of course~"
Zhang Jingchu smiled and nodded, and said directly: "Loans in our Daming First Bank require collateral. Generally speaking, we only accept two types of collateral: land deeds and house deeds. In terms of interest, a loan with us usually only costs as long as a year.
One penny of interest.”
"Only one penny of interest per year?"
"Is this true?"
When Huang Zhiwen heard this, he raised his eyebrows. The interest rate was very, very low. In this era of paying close attention to nine outings and thirteen returns, any loan was basically usury, and it was impossible to borrow too much money.
The First Bank of the Ming Dynasty actually only charges one penny of interest, and as long as there is enough collateral, it can borrow any amount of money without any problem. This is great news for businessmen like them.
"Of course it's true. You must know something about the strength of our Daming First Bank. We are not afraid of people lending money, nor are we afraid of people not paying back the money. We are afraid that no one will come to lend money. We open the door to do business. What we are talking about is credibility.
Character."
"I wonder if Mr. Huang wants a loan?"
Zhang Jingchu said confidently with a smile on her face.
The big owners of the First Bank of the Ming Dynasty are Emperor Hongzhi and His Royal Highness the Crown Prince. Whoever dares to fail to pay back the money they owe them is not seeking death, right?
"You don't need it at the moment. If you need it later, I will definitely come to you."
Huang Zhiwen smiled and shook his head. When he saw his cashier putting away the silver coins, he quickly said goodbye and left.
"First Bank of Ming Dynasty~"
"Banknote~"
"Silver dollar~"
After leaving the door of Daming First Bank, Huang Zhiwen couldn't help but look back at this luxuriously decorated building. Everything was full of freshness.
…
In Beijing and Tianjin, with the official opening of the First Bank of the Ming Dynasty, many industries under Liu Jin's command were linked to the First Bank of the Ming Dynasty, which soon led the business community in the Beijing and Tianjin areas to start contacting the bank.
At the beginning of the period, everyone was still somewhat skeptical. As long as they had banknotes in their hands, they would basically go to Daming First Bank to exchange them for silver dollars as soon as possible.
But soon, everyone gradually discovered that this banknote was easier to use, because the banknote was simple, convenient, and easy to carry. Everyone soon fell in love with this new banknote.
Because no matter who takes the banknote to Daming First Bank, he can exchange it for a sufficient amount of silver dollars, so he gradually builds up his credibility invisibly.
Gradually, people will no longer be in a hurry to exchange the banknotes in their hands for silver dollars, but will choose to take them out and use them.
In the beginning, the use of banknotes was limited to people in the business world, because people in the business world were the first to come into contact with these banknotes and silver dollars, and they were also the first to accept these banknotes and silver dollars.
People in the business world have a large amount of funds exchanged every day. In the past, it was very troublesome to settle with silver. Now it is very convenient to settle with banknotes. Even if they do not use banknotes, everyone is now gradually getting used to using silver dollars to settle.
Convenient, fast, and saves a lot of trouble.
Naturally, people in the business community were the first to accept this new type of banknotes and silver dollars. From the initial conflict, businessmen in the two places quickly gradually adapted to it, and even slowly developed to the point where they only recognized banknotes and silver dollars.
.
Many times, if you use ordinary silver to settle the bill with another bank's banknote, they will not recognize it and gradually don't like it.
Because this will increase your own costs and increase your own risks.
For ordinary silver, you need to find out the quality and weigh it, which is extremely troublesome. As for the bank notes, people used to prefer to use them, but the bank notes here in the capital can only be used here in the capital. When you arrive in Tianjin
There is no way to use it.
Banknotes and silver dollars are different. Banknotes can be used in Beijing and Tianjin. Moreover, the First Bank of Ming Dynasty has also begun to open branches in Nanjing, Suzhou, Chengdu and other places. In the future, you can basically use banknotes.
The entire Ming Dynasty.
Not to mention the silver dollar.
Nowadays, people in Beijing and Tianjin like this silver dollar the most. It is very exquisite and full of fineness. Each silver dollar is a standard silver dollar. You don’t need to weigh it at all. Even if there is no scale around, it can still be used easily.
Silver coins were first popularized in the Beijing-Tianjin area. This kind of silver coins with uniform size, uniform specifications and uniform weight quickly spread from the business world to the hands of ordinary people, and quickly became something that everyone likes.
In a very short period of time, banknotes gradually spread from the business world to other fields, and purple banknotes with a face value of 100 taels quickly became everyone's favorite color.
Purple has always been a noble color, and was even a color reserved exclusively for the royal family. Now this kind of silver note with a face value of 100 taels has quickly become a new way for everyone to show off their wealth.
I went out to a restaurant, had a meal, and took out a stack of banknotes from my bag. The purple banknotes were very eye-catching and could always attract the attention of the people around me in the first place.
One hundred taels of silver is nothing to a rich person.
But for ordinary people in Ming Dynasty, this is an astronomical number that is out of reach.
There are several purple silver notes worth one hundred taels in his arms. He is definitely a rich man.
In the past, when visiting a brothel, you could basically just throw some pieces of silver. Those who were a little rich could just throw a silver ingot, but it's different now.
When winning the top card, a stack of purple silver coins is thrown out, and the whole place becomes silent immediately. Those who know it widen their eyes, while those who don't know it ask questions out of curiosity.
In the past, it was just a joke to ride a crane to Yangzhou with a hundred thousand guan in your pocket, because no one could really have a hundred thousand guan in your pocket. You must know that a copper coin is worth a thousand guan, and this copper coin is almost a pound.
Who can wrap a hundred thousand copper coins around his waist?
But things are different now. A hundred thousand copper coins are just a matter of a few stacks of purple silver coins. You can just put them in your arms and go anywhere with ease.
Because of the convenience of banknotes and silver dollars, and of course, more importantly, because the First Bank of Ming Dynasty has always been very strong and has strong financial resources, this kind of anonymous, unsecured, and unendorsed banknotes naturally became popular very quickly.
"Children's checkout~"
In a private room on the third floor of Wangyue Building, the most luxurious building in Beijing, Zhu Houzhao, who had just had a delicious meal, shouted very happily.
"Hello, sir, the total is twenty-three taels of silver~"
The waiter who heard the sound ran over and said with a smile.
"Give~"
Zhu Houzhao took out a stack of purple banknotes from his pocket, took out one of them and put it on the table, feeling very happy.
Liu Jin on the side looked at the scene in front of him and couldn't help but laugh. This Zhu Houzhao likes to pay by himself now. In the past, the little follower Liu Jin was responsible for paying. Now it is different. He left.
Wherever you go, no matter what you do, you like to pay for yourself.
And every time he pays, he likes to take out a large stack of hundred-yuan banknotes from his pocket. There is no doubt that almost every time people see Zhu Houzhao paying, their eyes will widen and they look at Zhu Houzhao blankly.
A large stack of hundred dollar bills in his hand.
At this time, the same was naturally true for the waiter at Wangyue Tower. Although the people who came to Wangyue Tower to spend money were rich people, and a meal cost more than 20 li, ordinary people could not afford it. There were many people who paid 100 yuan in silver notes.
But this was the first time the waiter saw someone like Zhu Houzhao, who had a stack of hundred-yuan banknotes directly in his arms, and his mind was suddenly full of money.
"How much money is this?"
"I'm afraid it's tens of thousands of taels of silver."
The waiter in the shop was dumbfounded. He had tens of thousands of taels of silver in his pocket. This was the first time he saw such a rich man.
He took the hundred-dollar banknote on the table and examined it carefully. The First Bank of Ming Dynasty had detailed publicity and knew how to distinguish the genuine from the fake.
"Sir, please wait a moment, I will give you the change right now."
After confirming that there was nothing wrong with the banknotes, the waiter in the shop also asked for change. He quickly came over with some banknotes and gave Zhu Houzhao seventy-seven taels of silver in change.
"Keep the dog things away~"
Zhu Houzhao didn't even have the interest to look at the banknotes that were not worth one hundred taels of silver, and directly gave instructions to Liu Jin behind him.
"Old Liu, these one hundred taels of banknotes are still too low. It's best to get one thousand taels of banknotes. When the time comes, you can go out with a stack of one thousand taels of banknotes, which will definitely save your face."
After paying the money, Zhu Houzhao rolled his eyes, thought for a while and said to Liu Jin, he now enjoys this feeling of being rich. Wherever he goes, he just uses money to clear the way. It is very easy to use and everyone's eyes are shining.
Looking at the stack of hundred-yuan banknotes in his arms, I wished I could just rob Zhu Houzhao.
"Your Highness, the value of silver is extremely great. The value of a hundred-yuan banknote is already very great. There is no need to issue a banknote with a face value of one thousand taels. If you issue more, it will not be convenient for market circulation. You can take one thousand taels."
If you give out a banknote, few people will be able to give you change."
Regarding Zhu Houzhao's behavior of showing off his wealth, Liu Jin didn't know whether to laugh or cry. He thought about it and said.
