The ministers in the DPRK who opposed the opening of banks and mints by the imperial court went around and thought that the imperial court issued silver coins just to exchange them for private silver.
The silver coins contained only 80% silver, so they called on everyone to boycott the new coins. , just exchange silver coins for silver, one cent is always much less than 20%.
Zuo Guangdou even openly sarcastically said: "The way to make money today is really that the strong master is better than the ancestor."
Many people believed this statement, and everyone was ready to exchange their silver coins for silver.
Wei Zhongxian reported the situation of Dongchang's investigation.
After hearing this, Zhu Youxiao said calmly: "Leave him alone, there will always be times when they regret it."
Two days after the bank opened, there was no bird at the door because the new coins had not yet come out.
Ten days after the payment started, a large number of people poured into the bank to exchange silver coins and copper coins for silver.
A team of uniformed guards first ran out of the bank and asked people to line up in order.
Those who didn't obey were knocked over with a stick and then kicked out of the door.
A large amount of official silver is piled on the counter, which can be exchanged by paying a handling fee.
On the 10th, basically 90% of the silver coins issued to officials' salaries were recovered.
On the 12th, the emperor issued a decree: In the future, North Zhili's tax collection and military pay can be collected in silver coins and copper coins.
The Jingshi Branch will set up a branch in each county of Beizhili to handle currency exchange.
The handling fee for currency exchange has been reduced to one thousandth of a cent, and the exchange of silver for silver coins is still free.
The officials who came back in exchange for money regretted it too late.
Although their salary was not much, it was still very painful for them to be reduced by one percent all of a sudden.
After such a wave, the new coins quickly became popular in the capital.
Since they can be used to pay taxes, of course there is no problem.
Especially the new coins are exquisite in style, and there is no need to be deceived because of the fineness like silver.
Only fools do that.
No need for new currency.
As for the original issue of 80% silver, no one cared about it at all.
Being able to pay taxes was the biggest guarantee.
Zuo Guangdou had already taken sick leave because he was too embarrassed to see anyone.
On November 8, the Nanjing Branch of the Royal Bank of the Ming Dynasty was established.
At the same time, branches were established in all counties in Southern Zhili.
At the same time, the emperor decreed that all taxes in Southern Zhili should be collected in new currency.
Official pay and military pay can only be paid in new coins.
Taxes collected by tax agencies at all levels in the north and south are deposited in the Ming Dynasty Royal Bank.
Bank exchange fees have been reduced to one ten thousandth, and there will also be a fee if the silver is exchanged for new coins exceeding ten taels.
The change in handling fee was formulated by Zhu Youxiao.
He felt that if people were fooled first, it should deepen their memory, and then gradually reduce it.
As for why not even change it to no handling fee?
There is also a fee for exchanging silver for silver coins.
Zhu This is how the school replied to Li Zhizao: "I'm afraid that some people will be idle and have nothing to do.
If I change it every day, you won't have to do anything else."
In addition, the bank has added two new businesses: storage and lending.
Deposit one tael together, no matter how much money you have, you can deposit it in the bank without any fees.
There should be at least one month between deposits and withdrawals.
If you want to exchange more than 10 taels of silver into silver coins, you can exchange it without any handling fee after three months of storage.
As for lending, the rules are extremely strict.
It requires a mortgage and a guarantor.
The interest can be divided into months or ten days.
Ten days is one percent, and one month is three points.
Free novels bring you joy and joy ---> storyskyline.net
It is settled in one year.
Within one year, the interest will not be calculated repeatedly. , more than one year, the interest from the previous year will be calculated as the principal.
Almost no one came to handle the first business, while the second business almost broke the bank door.
The annual loan interest is only 36% to 39%, and there is no interest compounding.
Compared with banks, this is just charity, so a large number of businessmen or people with family emergencies want to borrow money.
However, Zhu Youxiao told Li Zhizao that the most important thing in this business is to be safe, and the collateral must be evaluated first.
The old officials from the Ministry of Household Affairs played an extremely important role.
They were as busy as a top every day, but they couldn't help but look good.
But the smile on his face is getting brighter and brighter, because the bank stipulates that after every loan is repaid safely, they will receive an appraisal fee.
However, they don't dare to accept red envelopes from customers, and they don't dare to do anything about it after accepting it, because the bank has regulations that if the loan cannot be repaid and the collateral is found to be inconsistent with the assessment, they will have to pay the compensation out of their own pockets.
On this morning, it was a busy time.
An eight-carriage sedan followed by a horse-drawn carriage slowly arrived in front of the head office of Daming Royal Bank on Qipan Street.
The deep ruts of the horse-drawn carriage made people around talk about it.
Someone next to me said: "Isn't this the carriage of Zhang Guozhang's family?"
The sedan stopped in front of the bank, and a long attendant stepped forward and shouted to the doorman: "Zhang Guozhang is here to deposit money, and I specially ask the president to receive him."
When the people around heard it, they coaxed and the discussion became more heated.
The people in the sedan also got off the sedan at this time, and a voice from the bystanders said: "It's really Zhang Guozhang."
Someone immediately retorted: "Speak as if you know the father-in-law."
The man became anxious and defended loudly: "My uncle and Zhang Guozhang once worked together.
Last time my nephew gave birth to a baby, I met him at the banquet.
Why can't I get to know Zhang Guozhang?"
At this time, Li Zhizao hurriedly came out to greet Zhang Guoji and said, "I didn't know that the state leader was coming in person, but my subordinates were disappointed to meet him from afar.
Please forgive me, please forgive me."
Zhang Guoji held Li Zhizao's hand and prevented him from bowing down: "The president's words are serious.
The emperor rewarded the Han family with some silver last time, but it is useless to keep it at home.
I heard that the bank can help us keep the money without charging any money.
This will cause trouble for the president.”
Li Zhizao thanked him profusely and extended his hand to invite the abbot to come in.
His entourage unloaded the silver boxes one by one from the carriage.
The handymen in the bank came to help and carried the boxes in one by one.
After this incident, the bank's storage capacity immediately increased sharply.
Many people felt that the father-in-law had deposited money in the bank, so there was nothing to worry about, so they took out the money hidden in the family and deposited it in the bank. .
After receiving the report, Zhu Youxiao praised Zhang Yan highly: "The queen's method is really wonderful.
Come on, it's done.
Let's kiss her."
Zhang Yan spat at him and said: "It's out of shape again.
Why do you want them to deposit the money in the bank?
In the end, it can't be turned into money in the bank.
Is there any difference between depositing it and not depositing it?"
Zhu Youxiao didn't succeed and was very unhappy, pretending to be cold and silent.
Zhang Yan was used to seeing him like this, so she smiled sweetly, walked up to him, kissed him gently on the face, and then quickly escaped before he hugged her.
Zhu Youxiao smiled and said: "Silver must be used to be useful.
When piled in a cellar, it is like clods of earth.
Although it will not become bank money when stored in a bank, it is almost the same as money in the bank.
I I’m really short of money now.
Free novels bring you joy and joy ---> storyskyline.net
When I see the money, I wish I could kiss him twice.
“Actually, he doesn’t really understand the meaning, but in the future, he will earn a lot of money even if he saves money in the bank and pays interest.
Of course we have to do this
.
: