Businessmen all over the world do not get up early without profit. Although the Royal Bank is a royal industry with certain state-owned attributes and shoulders the important task of maintaining the stable and healthy development of Datang's financial industry, the Royal Bank is still a commercial bank, so a series of
The method is still to make money.
Minting gold and silver coins is also profitable.
The promotion of banknotes is a hugely profitable business. When people deposit one tael of real gold and silver, the Royal Bank dares to issue banknotes of three taels or even five taels of silver. Most of these banknotes are circulated through various loans.
Go out, and these loans can earn interest for Royal Bank.
Even if it is a loan from the government department of the Tang Dynasty, interest will be charged!
Therefore, the Royal Bank is actually the most profitable among the many royal industries of the Tang Dynasty. Even within the entire Datang Dynasty, its profitability is second only to the Datang Salt Company.
Datang Salt Company, because it completely monopolized the production, sales and transportation of salt under the rule of Datang, in addition to paying a large amount of salt tax to the tax department every year, its own profits were also very large. Most of these profits were eventually turned over to the state treasury.
.
In order to earn more money and serve the many merchants in the business district, Royal Bank also experimentally opened a check service in the business district to provide some strong merchants with large amounts of gold and silver in advance.
Checks, so merchants can directly issue checks to pay their bills, and then the person who takes the check can withdraw cash from the Royal Bank, or transfer the amount to their own account.
Because of its particularity, the business district is also the area where the banknote system has been implemented most smoothly. Even in Zhaoqing, the circulation range of banknotes is not as wide as in the business district!
Naturally, Qin Zhifu couldn't see all this. What he saw was that many people were doing various transactions with stacks of small pieces of paper. The pieces of paper were beautifully printed and he couldn't help but sigh.
The Tang Dynasty was indeed special enough that even treasure banknotes could be used on such a large scale, and the people did not reject it.
Qin Zhifu naturally knows about banknotes, because the Ming Dynasty uses treasure banknotes, and he has also used these Royal Bank banknotes. When he was sitting on Nan'ao Island, many passing merchants would more or less bribe
The Ming army on Nan'ao Island would sometimes directly send bank notes from the Royal Bank, and the bank notes from the Royal Bank were much better than those issued by ordinary banks. They were anonymous and could be exchanged at any time.
Even Qin Zhifu carried several thousand taels of Royal Bank banknotes, part of which were the tributes he had received from those maritime merchants in the past two years. For daily use, naturally no one would use them daily under the Ming Dynasty.
Yes, but in large transactions, or even when paying bribes to superiors, this kind of banknote from the Royal Bank of Datang is very useful.
Although the Tang Dynasty and the Ming Dynasty were hostile, the banknotes did not distinguish between friend and foe!
The other part was that in order to show his sincerity, he specifically moved out a lot of private property, saying that he would repay it to the emperor. But for such a proactive person, the Tang Dynasty would naturally not take away other people's property for no reason.
The private property was also confiscated, so Qin Zhifu was unable to report it.
However, later, in order to show his sincerity and protect his own safety, Qin Zhifu took the initiative to deposit a large amount of cash into the Royal Bank and then exchanged it for these banknotes.
But to be honest, he had some doubts about whether these silver notes could be spent at first, especially whether the maritime merchants would admit it, but now he saw that the merchants' transactions worth tens of thousands of taels of silver were all doubtful.
It was only when I threw away a stack of banknotes that I finally realized why those maritime merchants used the Datang banknotes when they bribed them, because these banknotes could really be used as real gold and silver.
, and widely circulated.
But this is actually an illusion of his. Although Royal Bank's banknotes have been launched for a long time, small-denomination banknotes are only widely used in places with intensive business transactions. However, small-denomination banknotes in other places are widely used.
Banknotes are generally used by few people, and usually only merchants use banknotes for large transactions.
After all, the treasure banknotes of the Ming Dynasty deceived many people. Now people naturally don't believe it when they see such a small piece of paper being used as money.
Therefore, although many people will deposit money into the Royal Bank, they are simply depositing money and not exchanging banknotes. When withdrawing money, they do not need banknotes, but silver coins.
Therefore, the banknotes of the Tang Dynasty are actually still limited to large-value transactions, and are still used relatively rarely by ordinary people.
But then again, if it is ordinary people, they don’t have much money in total, so it is not inconvenient to store it directly with gold coins. They don’t deal with the Royal Bank at all. The worst thing to do with the Royal Bank is
The middle class who have some spare money in their hands, but the more important ones are actually the businessmen, landlords and gentry.
Qin Zhifu, who held several thousand taels of silver notes in his hand, was almost dazzled in the business area. He saw many novelties and wanted to buy some. Although he restrained himself, he still spent hundreds of dollars.
Two silver coins.
However, he didn't feel any heartache after spending the money. The money was well spent and the things he bought were of great interest to him.
After wandering around the business district for a day, he returned to the ship with a look of surprise. The next day, he accompanied a river warship of the Pearl River Fleet of the Tang Dynasty Navy to Zhaoqing.
The journey was not very fast, so it took two days to reach Zhaoqing.
And when he arrived in Zhaoqing, he was surprised again!
If Guangzhou, especially the Guangzhou Business District, made him see prosperity, then in Zhaoqing, he saw the word "rules".
From the moment everyone lined up at the city gate, Qin Zhifu felt deeply that the people here in Zhaoqing were very well-behaved!
Moreover, the city is clean and tidy, and there is not a single beggar!
To be honest, he could not see this phenomenon anywhere else. Even in the Guangzhou Business District, he could not see such clean and tidy streets and such high-quality people.
Sure enough, it was at the feet of the Emperor of the Tang Dynasty!
Looking at the pedestrians and carriages lining up to cross the road in an orderly manner, Qin Zhifu sighed to the thousands of households around him: "In the past, Qin always found it strange why Zhang Yue's supervising standard was also equipped with guns and artillery, and his tactics were imitated by our army.
The King of the Tang Dynasty, but why can't he defeat our King of the Tang Dynasty? When I saw the people of Zhaoqing today, I suddenly realized that the people behaved well, which shows that the strict discipline of our King's Army is not groundless!"
Qianhu on the side also exclaimed: "Yes, with such a people, it is difficult for my master Wang not to be strong!"
"With such a strong army, the day when our Tang Dynasty will dominate the world is just around the corner. Although we are a little late from the dragon, now our Datang Dynasty is establishing a foundation and is in urgent need of talents from all walks of life. As long as you seize the opportunity, we will immediately
If you work hard, it is not impossible to become a duke who will live with the country one day!"
While these people were sighing, they also stayed in a house with the accompanying officials. After having a good sleep, in the morning of the next day, someone informed them that the imperial envoy was about to arrive, asking them to prepare for the order.
Immediately, Qin Zhifu quickly got ready, changed into a set of Confucian official robes usually worn by Tang Dynasty officials, and then set up the incense table and other matters to welcome the imperial edict. When the time came, he saw a group of guards walking in from outside.
Soldier.
At the same time, someone shouted: "The imperial envoy is here!"
Immediately, several officials were seen crossing the door. The leader was an official who was about thirty years old. There was a small pattern embroidered on the sleeve of his official robe, and that pattern represented the rank of a fifth-grade civil servant.
picture of.
At the same time, there is a very special and conspicuous dragon pattern badge on his chest. Just looking at this badge, you can tell that this person is an official of the Hanlin Academy, because in the entire Tang Dynasty, only people from the Hanlin Academy would wear this kind of dragon pattern.
badge.
A fifth-grade Hanlin official may be a lecturer or a scholar, and at this level, he can usually serve as deputy section chief in the Hanlin Academy, and his power is not small.
Immediately, Qin Zhifu lowered his posture and shouted to welcome the angel.
This fifth-grade Hanlin was kind-hearted and did not act like an angel. Instead, he briefly chatted with Qin Zhifu for a few words, and then his face straightened: "Qin Zhifu accepts the order!"
At this time, Qin Zhifu led several of his close men who came with him and knelt down to salute!
"The emperor's edict is to carry out the destiny..."
This imperial edict, like other imperial edicts issued in the Tang Dynasty, is long and stinky, with extremely gorgeous rhetoric, but the core content is only a few sentences. The most important content is that Li Xuan officially conferred the title of Viscount Qin Zhifu on the Tang Dynasty.
, was awarded the rank of Army Brigadier General, and was appointed deputy commander of the 7th Infantry Division.
There was also an imperial edict to several other Ming army generals who followed Qin Zhifu. The titles were no longer available, but most of them were awarded military ranks. However, it is worth noting that these people were not able to serve in the field troops like Qin Zhifu.
Instead, they were all simply awarded the position of Privy Council Operations Advisor, and they were also specifically allowed to enter the martial arts school.
The title of Viscount and the rank of Brigadier General of the Army somewhat surprised Qin Zhifu, because he also knew the military rank system of the Tang Dynasty. A brigadier general was basically a senior general who led a mixed regiment, and a major general was the main infantry force.
The division commander is here.
However, what surprised him even more was that he was not offered a false position, but was instead given the actual position of deputy commander of the 7th Infantry Division.
This made him feel a little strange!
Because no matter how arrogant he is, he has never imagined that he would be able to lead the troops to fight anyway, let alone become a high-level position like deputy division commander. The most likely possibility is to give himself glory and wealth, and then arrange a sinecure.