"Is this the banknote issued by Daming Bank?" Zhu Hengjia asked happily.
"Reporting to the Supervisor, Daming Bank is currently issuing six types of banknotes: one tael, five taels, ten taels, fifty taels, one hundred taels, and one thousand taels. In compliance with His Majesty's imperial edict, we have printed the masterpieces of famous people on the banknotes.
On the tickets, the odor of copper is turned into fragrance." Zhao Baoyuan, the newly established bank clerk of the Ministry of Household and the head of the Ming Dynasty Bank, said flatteringly.
Not long ago, Zhu Hengjia ordered the household department to issue 900,000 taels of silver, accounting for 30% of it, the royal family to issue 600,000 taels of silver, accounting for 20%, and ten bank accounts such as Hengshengchang and Baofenglong each to issue 150,000 taels of silver, accounting for half of it.
They jointly established Daming Bank. Originally, Zhu Hengjia wanted Daming Bank to adopt the purely private bank model of later generations, but he didn’t dare to do so. This was the Ming Dynasty, and everything had to have an official name! So he rewarded Zhao Baoyuan, the big boss of the bank, with one.
The official position of a fifth-grade bank secretary is that it is easier to do things if you have an official! Zhao Baoyuan, a businessman, suddenly got an official from the sky. He couldn't help but be happy and full of energy. There was nothing he could do. As long as the people of the Ming Dynasty had an official position, everything else was nothing.
"Turning the smell of copper into fragrance?" Zhu Hengjia was delighted.
Open it and take a look, right?
The one-tael silver note was printed with Han Yu's "Preface to the Return of Li Yuan to Pangu"; the five-tael silver note was printed with Fan Zhongyan's "The Story of Yueyang Tower"; the ten-tael silver note was printed with "Preface to the Pavilion of Prince Teng"; the fifty-tael silver note was printed with "Preface to the Pavilion of Prince Teng".
About to Enter the Wine"; one hundred taels of silver notes were printed with "Ode to the Former Red Cliff"; one thousand taels of silver notes were printed with "The Drunkard's Pavilion".
All are famous works, elegant and elegant.
"Okay! Okay! Okay! You are interested. Do you have any regulations regarding bank operations?" Zhu Hengjia asked with a smile.
"Please ask the supervisor to deposit the treasury money, official salaries, and military salaries that the court does not need urgently into the Ming Dynasty Bank."
"Accurate!"
"I suggest changing the bookkeeping method from a three-legged account to a four-legged account."
Zhu Hengjia nodded secretly. This Zhao Baoyuan has good business skills and knows how to use double-entry accounting.
"Accurate!"
"I am prepared to give a certain amount of interest to absorb the surplus money from the people."
"Accurate!"
"In terms of lending, Chen plans to focus on mining and textiles."
"Your eyes should not only focus on making big money, but also take into account people's livelihood. For example, in times of disaster, you might as well lend money to the people at low interest rates to help them tide over the difficulties." Zhu Hengjia is the supervisor of the country, so he naturally stands tall and sees far. "Supervising the country is wise."
"My suggestion??"
"Accurate??"
??
Because of the imperial court's credit guarantee, Daming Bank soon attracted more than three million taels of deposits.
The Guangdong and Guangxi regions have always had a tradition of maritime trade, and the business environment is strong. Soon, the money was loaned out, some for doing business, some for mining, and some for opening workshops?? It was taken from the people,
Use it for the people!
However, two happy things also happened.
First, a wealthy man came to the Guilin Branch of the Ming Dynasty Bank. He was wearing a pearl crown, a brocade robe, precious jade on his waist, deerskin boots, and a big emerald finger on his finger. The water head, and
Transparent and bright!
When the guy saw it, he saw that it was business, big business!
"Did your distinguished guest come here to save money or borrow money?"
"Borrow money."
"It's easy to say, easy to say, but according to our store's rules, loans must be secured with collateral." The waiter smiled brightly.
"I want it! I have a thousand-mile horse, which is worth ten thousand gold."
Qianlima? This business is definitely not small! The waiter smiled even sweeter: "How much money do you want to borrow? Our annual interest is two and six cents of silver."
"I would like to borrow a tael of silver," the wealthy man said seriously.
"You only lend one tael of silver? If you are willing, I can lend you more. A thousand taels or ten thousand taels is no problem."
"No, no, no, I only lend one tael."
After the high-roller went out, the waiter thought more and more strangely: Looking at this person’s net worth, he didn’t lack even a tael of silver.
So, the clerk chased him out and asked: "Honored guest, please stay. I have something unclear. Seeing that you are not short of a tael of silver, why do you only lend a mere tael?"
The wealthy man smiled and said: "I want to cross the sea to do business in the Shang Kingdom, and I plan to keep this magical horse here for a year. Can I find a stable as cheap as yours in the whole city of Guilin now, only six cents of silver a year?"
”
Second, Li Si runs a casino. He heard that the interest rates at Daming Bank were low, so he asked Zhang San, who worked as a clerk at Daming Bank, to lend him money from the bank, and then he would re-lend it to gamblers and earn some interest.
Bad.
Zhang San’s brother Wang Er came to Zhang San to borrow money.
"Brother Xian, my brother is a little short of money recently and would like to borrow three hundred taels of silver."
"Brother, I just got married and have no money."
"My dear brother, I want you to help me and borrow some money from Daming Bank."
"No, brother! Daming Bank requires a mortgage to borrow money, but you don't have a mortgage!"
"Brother, I heard that you have a relationship with Li Si who runs a casino. Why don't you help your brother borrow some from Li Si?"
Zhang Sanyi thought: "Li Sina borrowed money with an interest rate of two cents every two years, and Daming Bank only paid six cents every two years. How about I lend these three hundred taels from Daming Bank and then lend it to Wang Er to earn a little interest difference?"
."
So Zhang San used his own property as a mortgage and loaned three hundred taels of silver to Wang Er from Daming Bank. He told Wang Er that he borrowed it from Li Si, and the annual interest was every two taels.
Not long after, Li Si drank to death.
Wang Er happily found Zhang San: "Brother, what a happy event! Li Si drank himself to death, so you don't have to pay back the three hundred taels!"
