At a time when everyone was paying attention to the construction of the railway, the Ministry of Economic Development made another amazing move, announcing the establishment of several state capitals such as Chang'an, Luoyang, and so on A money bank is actually a bank.
In order to be simple and easy to understand, so that the people can better understand the name of the idea bank changed to the money bank, the role of the money bank is very simple, as long as there is a money bank, you can pay in different places through money deposit bills, that is, large transactions no longer have to pull the locomotive before the money will run.
People in the same city can also trade through the special printing paper of the money bank, and those who hold the printing paper can go to the money bank at any time to exchange it.
The first to use the money bank is from the Ministry of Economic Development to settle the payment of the beginning, the money bank uses special printing paper, the paper is more special, the content on it is very much, and the deposit and withdrawal business need to be verified.
It is impossible to falsify, because at present, money banks use account checking, which is aimed at a certain group of people.
To put it simply, it is equivalent to opening a money vault, and the Ministry of Economic Development will deposit the money and then use it for payment.
At present, there is no fixed amount of money to be printed, but the maximum amount of money spent per day cannot exceed 100,000 yuan.
After the establishment of the money bank, all the people selected by the Economic Development Department served as the treasurer.
There is a set of business systems that belong to the money bank.
Although Zheng was not the first to deposit money in Chang'an Bank, he was the first to respond.
He and Su Zhennan heard about the establishment of the money bank first, and currently supports Chang'an and Luoyang to withdraw, and the money deposited in the membership is lost during the deposit period, and everything will be paid in full.
In this way, it greatly increased the confidence of businessmen to deposit silver money in the money bank, Yuan Shan for the construction of the money bank step is very small, not that he has no confidence in the money bank, but is worried that the step of the general assembly will increase the operational risk, it is not yet the time to engage in national deposits, the first is to let people be familiar with the money bank, so that they gradually realize that printing paper money can be exchanged for real money.
All the payments of the Ministry of Economic Development are settled from the money bank, and the same is true of the building materials chamber of commerce that Zheng is satisfied with.
The money banks in Chang'an and Luoyang are all built with all-iron, which can accommodate million-level treasury, and the transportation of money between the two places will be personally responsible for the Northern Yajun.
At the beginning, the withdrawal of silver money was very frequent, and the merchants were very happy to do it, but Yuan Shan had already thought of this, so the reserve silver money in other places was stored in sufficient quantities, and these were deposits from the Ministry of Economic Development.
After a toss in the early stage, the merchants found that they needed to pay out of their own pockets to hire a carriage to transport money, and there was no need to toss back and forth at all.
Some big businessmen see this kind of thing that can get money for nothing, how can they not pay attention, but they find that the storage method of monthly interest is not cost-effective, the rule of the money bank is that the longer you deposit, the higher the interest, so the businessmen settle a certain amount of deposit and ask to deposit money in it, anyway, this money is not much for them, and the interest of saving throughout the year is higher, so the businessmen began to respond.
So there is a year's reserve of money banks, which is enough to pay for the amount of transactions in different places, saving a lot of trouble in transportation between the two places, but the transportation of silver and coins is still indispensable.
"Yuan servant shooting, this money bank is really convenient, the Luoyang Chamber of Commerce now settles the payment as long as you send someone to send a money printing voucher, saving the trouble of transportation between the two places, I don't know when Cangzhou will also set up a money bank, the building materials Chamber of Commerce involves a lot of money over there, if it can be as simple as this, it would be better."
Zheng said with satisfaction.
"Haha, President Zheng doesn't need to worry, Chang'an and Luoyang Money Bank are still in the trial camp stage, and it takes time to set up a money bank, thank you for your support for the money bank's rapid development."
Yuan Shandao.
"Of course, such a convenient way to pay for money must be supported."
Zheng said with a smile.
"It's just that these days it's all big transactions, and it would be better if you had some small amounts of money for daily transactions."
Zheng said with satisfaction.
I have experienced the convenience of large withdrawals, and I don't want to carry heavy copper coins on my body, which is the impact of convenience.
"Maybe it won't be long before the paper money issued by the money bank can replace the heavy copper coin, but it will take some special technology to do it."
Yuan Shandao.
At the beginning of the money bank, as long as it reaches 1,000 yuan, it can be stored, and the monthly interest is the lowest, in fact, there are not many copper coins, so many people choose to withdraw the annual interest, which is relatively more.
Some of these long-term deposits will be invested in the industry, just like the Southern Tea Garden project of the Ministry of Economic Development to increase production and obtain more returns, and then there is investment in animal husbandry and agriculture, which can pay off in a period of time.
The Ministry of Economic Development is very good at doing these things, and some of the projects that were stopped before can now be carried out with the money.
Building Materials Chamber of Commerce, Cotton Chamber of Commerce, Lantian Medical Center and other places with a large number of employees, there is a large demand for pork, vegetables, fruits and grains, and there are 50,000 or 60,000 people in these chambers of commerce, so it is safe to invest in these services and supply.
There is also the investment of the construction funds issued by the Ministry of Economic Development, and the money will be invested in the research and development of new equipment in the Yuanjia Workshop to implement it and put it into use, which can get a great return.
The third money bank is established in the location of the Lantian Economic Development Zone, in addition to the existing open function of the bank, it also supports personal deposits but the conditions are limited to the employees of the Building Materials Chamber of Commerce and the Cotton Chamber of Commerce, and the deposit will not pay interest but can be accessed at any time.
This is also a kind of welfare for employees in Lantian Economic Development Zone, in fact, this is also a deposit project specially set up for the psychological state of employees, after all, they all live together, and they will inevitably have worries about the preservation of money, so they don't have to be so troublesome to put it in the money bank, because it is a simple deposit nature will not be traded, so they are not afraid of counterfeiting, fraudulent claims.
Of course, the dedicated service is not completely free, and a few pennies will be charged as a service fee every month during the deposit period, which is nothing to the employees.
However, for money banks, there can be hundreds of service fee income every month.
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