"Sir, the First Bank of the Ming Dynasty has opened branches in all the capitals of the thirteen provinces of the Ming Dynasty and some important cities. However, at present, our deposit business has been progressing slowly. There are very few deposits and loans in the branches everywhere.
Quite a lot."
In Liu Jin's study, He Run, the general manager of Daming First Bank, was reporting to Liu Jin the progress of Daming First Bank during this period.
"Inform all localities to control the loan amount. If there is no deposit, we will borrow too much and our funds will not be able to keep up. Once we cannot keep up, our credibility will be damaged. In serious cases, it is very likely to cause
Run.”
Liu Jin listened carefully. During this period, apart from going to the Hanlin Academy to make tea every day, Liu Jin spent the rest of his time busy with matters related to the First Bank of the Ming Dynasty and Ryukyu City.
As the most critical step in Liu Jin's layout, the First Bank of the Ming Dynasty naturally attached great importance to it.
The most important thing at this stage is to continue to open branches in various parts of the Ming Dynasty and spread out the points first, so as to facilitate the use and circulation throughout the country.
If you bring some bank notes to Nanjing from the capital, you can also withdraw money from the Nanjing branch. Since they are common across the country, it will greatly facilitate the promotion and use of bank notes.
Silver dollars are actually very inconvenient to carry, especially when the amount is large, but banknotes are different. It is very easy to carry a few thousand taels or ten thousand taels of banknotes.
Moreover, banknotes are extremely convenient to use for transactions. You only need to calculate the face amount, and there is no need to worry about the quality, weight, etc.
Nowadays, in the Beijing-Tianjin area, banknotes have gradually become more popular. When going out to do business, everyone likes to use the banknotes of Daming First Bank.
Of course, silver coins are also very popular. They are of high quality, heavy, and beautifully cast. Both ordinary people and businessmen like to use silver coins.
The Beijing-Tianjin area is the core of the Ming Dynasty. With the Beijing-Tianjin area as the core, it radiates to the entire Ming Dynasty. The First Bank of the Ming Dynasty also quickly opened throughout the two capitals and thirteen provinces of the Ming Dynasty.
It has been opened all over, but the development of various businesses has encountered difficulties, especially the deposit business, which has never been developed. Even in the Beijing-Tianjin area, there is very little deposit business, let alone other places.
This is also Liu Jin's biggest headache now.
There is no deposit, which means that the funds in the hands of Ming Dynasty First Galaxy are always limited. Just relying on these funds in hand, no matter how big your plate is, you can't withstand people from the Ming Empire coming over for loans. This is why Liu Jin wants to let
He Run hereby informs various localities of the reasons for controlling housing loan limits.
Only getting out but not getting in is extremely detrimental to the First Bank of Ming Dynasty.
“We must start up the deposit business!”
Liu Jin realized this very clearly, thought about it and said to He Run: "What do you think is the reason why our deposit business cannot be developed?"
Hearing Liu Jin's words, He Run was slightly startled, thought for a while and said: "I think the most important thing is that people are not very familiar with our deposit business and don't believe us. They always think that the money is deposited in our bank.
We will eat their money."
"Then how do we solve this problem?"
Liu Jin nodded. This era is different from that of later generations. People in later generations like to save money the most, because everyone knows the many benefits of saving money. It earns interest, will not be stolen, and can also be transferred and traded, which is very fast.
,convenient.
But this era is the same. Of course, the current customers of Daming First Bank are all wealthy people, and ordinary people have no money to save at all.
Everyone still lacks recognition of Daming First Bank, and they don’t have the habit of saving money. Everyone prefers to hold the money in their own hands, always feeling that it is safer this way.
After listening to He Run's words, Liu Jin thought carefully in his mind. The key is to publicize and change everyone's ideas. If the publicity is not in place, how can the landlords and wealthy people scattered in various countryside of Ming Dynasty know that the First Bank of Ming Dynasty has deposit business?
.
If people's ideas do not change, even if they know that there is a deposit business, they will not save their money. They would rather leave it in the cellar to mold than covet your little interest.
"How to solve this problem?"
Liu Jin pondered carefully.
This matter is really important. If no one deposits money, the First Bank of the Ming Dynasty will fail.
Come for a loan.
What's more, without deposits, this money has always been buried underground in the Ming Dynasty without any circulation, which is also extremely detrimental to the development of the Ming Dynasty.
"You go back first, and I'll think about how to solve this problem."
Unable to think of it for a while, Liu Jin also gave instructions to He Run.
"Yes, sir."
He Run nodded and left, leaving Liu Jin frowning and thinking about this issue.
"People don't believe, are unfamiliar, and distrustful. The most critical issue is ideological issues. How to solve this?"
Liu Jin had been thinking, but he didn't pay attention to the passage of time.
Xu Waner and Li Zhen walked in with smiles on their faces. Seeing Liu Jin who was frowning, Li Zhen smiled and said, "Ms. sir, what makes you so frowning?"
"Yes, you might as well tell me, maybe we can help you think of a solution?"
Xu Waner also followed suit.
"It's not a matter of the First Bank of the Ming Dynasty. The deposit business of the First Bank of the Ming Dynasty has never been able to operate. The loan business here is releasing money in a hurry. If this continues for a long time, it will not be a solution after all. This bank
The money must go in and out."
When Liu Jin saw that his two wives were coming, he immediately said with a smile on his face.
"Isn't everyone aware of this business?"
After listening to this, Li Zhen thought about it and said.
"This is one of the reasons. Not many people know that our Daming First Bank has deposit business. It is only limited to some businessmen who deal with us. More importantly, it is a matter of ideological concepts. People do not believe in our Daming First Bank, let alone
They think if this money is deposited in our bank, we will swallow their money."
Liu Jin nodded and said.
After hearing Liu Jin's words, Xu Waner and Li Zhen immediately frowned and began to think.
"Mr. Sir, do you think that if you use the newspaper to promote our First Bank of Ming Dynasty, will people believe it more?"
Xu Waner thought for a while and said: "Our Ming First Bank is not well-known, and people don't trust us. They always think that we must be similar to banks. If we use Zhuanbao to promote it, everyone will definitely know about it, and it will be better."
believe."
"Zhu Bao?"
"This is not..."
When Liu Jin heard this, he immediately shook his head. Zhuan Bao was officially used by the Ming Dynasty to deliver and publicize government documents and political intelligence. How could it be used to promote the First Bank of the Ming Dynasty to you?
However, Liu Jin had just finished speaking halfway when an idea suddenly flashed in his mind.
"Zhuanbao~Zhuanbao, newspaper, newspaper~"
"Yeah, why didn't I think of this?"
Then Liu Jin, who was also confused, patted his thigh, and his whole person suddenly became cheerful.
To let everyone know, in the final analysis, we still rely on publicity. How to publicize it?
Newspapers are definitely the best way. Before there were various advanced communication methods in later generations, newspapers were always the best way of publicity.
By publishing newspapers to promote the various businesses of Daming First Bank, and constantly explaining the benefits of depositing money in Daming First Bank through various examples, gradually everyone will know about it naturally, and their ideas will also gradually
With the changes, the deposit business of the First Bank of Ming Dynasty can naturally be started.
There are many benefits to running a newspaper.
Newspapers are also a tool for public opinion. If you run a newspaper yourself, you will naturally have the final say on what content is published in it. If you use it appropriately, you will naturally be able to slowly control public opinion.
Similarly, starting a newspaper can also promote various industries that are extremely popular nowadays, such as whaling industry, fishing industry, ocean trading industry, textile industry, etc.
Once the newspaper is launched and spreads throughout the Ming Dynasty, it will not only be popular in the Beijing and Tianjin areas, but will quickly spread to all parts of the Ming Dynasty.
If this happens, the emergence and development of capitalism will become even more rapid.
Thinking of this, Liu Jin became excited, and then he immediately happily hugged Xu Waner and kissed her.
"Madam is so awesome. She immediately made me think of a solution. Come on, give me a reward."
As soon as Xu Waner saw Qin Yi hugging her and about to kiss her, her whole face turned red. Although they were already an old couple, this was after all, in public, with Li Zhen and two people beside her.
Maid.
"Ms. sir, there is someone else here~"
Xu Waner reminded in a low voice.
"What are you afraid of? It's not like they haven't seen it before."
Liu Jin didn't care about this. Li Zhen and Xu Waner often served him at one time. As for their maids, they also served their masters every day. They saw everything they should see.
"Ms. sir~"
Xu Waner's face turned even redder, and she looked like she wanted to refuse but still welcome her. This immediately made Liu Jin become even more fierce. He picked up Xu Waner and led Li Zhen towards the bedroom.
When Li Zhen and Xu Waner saw this, their faces immediately turned red. They immediately thought of something and wanted to resist, but... they suddenly felt even more embarrassed and blushed terribly.
"We are already an old married couple, why are you so shy~"
Liu Jin was naturally shameless and was not ashamed at all while kissing her. As for the two maids, they were already covering their eyes and watching the scene quietly through the gap.
