The future outlined by Grianch to Du Guangsheng is a scene that can only be seen decades later, and no one can be sure whether Grianch's words are true or false.

But now, Grianch's first prediction has come true.

The northwest area of Nanjing City is a relatively poor 'slum area', where more than 30% of the people of Nanjing live, but only create less than 100% of the wealth of the whole of Nanjing.

And these poor families, in terms of their attitude towards the bank, as Grianch said, the common people choose to take their savings to the bank to exchange for copper bills, and then save it.

"One hundred and three interest for one year, and one hundred and five years for a maximum of five years."

The brand of savings income made the people flock to it, and they made a calculation, if they deposited 1,000 yuan, then they could receive 1,250 yuan after five years!

You can buy a lot of big white steamed buns.

The people's focus is on the opposite of the businessmen's, and they are not even interested in learning about the other lending business offered by the banks.

They didn't have any collateral, just a few acres of thin fields and a humble house.

Even if you resist a hundred and eighty taels of silver, what can you do with it?

In case the time is up and you can't afford to change it, the land and houses that you rely on for survival will be taken away, and the whole family will have to go to the county government to declare and immigrate to Liaodong.

As for the emerging insurance association, it has also prepared an insurance policy for these people.

Agricultural insurance.

The name is clear at a glance, it is the insurance of Hoda San, and it is protected against natural disasters.

In the event of a natural disaster such as drought, locust plague, flood, etc., which causes the field to be cut off, the insurance will always reimburse the same amount of money for the crops produced this year.

This insurance is still very attractive to the people, but the proportional insurance money paid makes these people prohibitive.

"If there is no disaster this year, will the money be refunded?"

"No retreat."

"Then this insurance is gone."

This is the thinking of the people.

In recent years, the world has been smooth and rainy, where did so many natural disasters come from, this insurance is not done, and the province has been wasted.

Of course, there are those who are willing to deal with it.

"Buy peace of mind."

The proportion of gold is only one hundred and five, that is to say, a disaster within 20 years is not a loss, although according to the national characteristics and culture, everyone is shy about illness and avoid medical treatment, and the more afraid of something, the more reluctant to say anything, this kind of "as long as there is a disaster within 20 years, there is no loss" is absolutely not to be said in front of the big guys.

is not scolded to death by others.

The number of people who apply for insurance is very small, but the people who save money are lined up, and many ordinary people exchange their broken silver, silver jewelry and other items at home for copper tickets, and then go through the account opening procedures as soon as possible.

The more ones have 50 taels or 30 taels, and the less ones can also save 10 taels or 8 taels.

It can be seen that in this business, the people still have a supportive attitude, and their enthusiasm is relatively high.

As for whether the money deposited in the bank will disappear, the people in Nanjing are still down-to-earth, at the feet of the Son of Heaven.

The status of the two generations of emperors of the old Zhu family in the hearts of the people is not to be said, whether it is Taizu or the current Emperor Jianwen, it is really taking the people as their own relatives, and what makes the people talk about it is that back then, Zhu Yunwen cut off the heads of two uncles who made a fortune in a fit of anger for the sake of the people.

With such an emperor, are you still afraid of being deceived?

Whoever dares to deceive the common people, the emperor Lao Tzu will definitely screw off whose head as a ball.

This is not the credibility of the court itself, this is the credibility of Zhu Yunwen, the emperor, who has sat down for so many years.

And the only thing that can worry the people may be the so-called copper ticket itself.

After all, the rapid depreciation of the Ming treasure banknotes at the end of the Hongwu period was a pit for these people, and they continued to trust the court and the country, exchanging real money and grain for a stack of treasure money, and as a result, in just a few years, these treasure notes depreciated to less than three percent of the original.

It is not easy for the common people, they save money for a few years, and they save so many taels of silver when they eat chaff and drink scarce, and they are all gone overnight.

This sense of hopelessness goes far beyond death itself.

Fortunately, this time the bronze ticket looks more exquisite than the Daming treasure banknote, and the portrait of Taizu on the banknote also gives the people the courage to believe again.

When the money was printed, the Ministry of Industry's idea was to print Zhu Yunwen's portrait, but the latter refused: "I bow down and be thin, how can I be worthy of being with my grandfather." ”

However, the matter of the copper ticket still made Zhu Yunwen very worried, and the people couldn't afford to be fooled twice, so after the first batch of copper tickets were printed, he also deliberately found out a few counterfeit banknotes who were about to be beheaded from the prison of the Criminal Department.

Let this group of counterfeit banknotes imitate a batch according to their technology, and it turned out that whether it is material, pattern, or image, it is very different, and the gap is obvious.

Fine engraving printing folk that can not be done, and the quality of the paper has also led to an increase in cost, the folk want to make an exact same counterfeit banknote, must be hand-reproduced, a hundred Wen copper ticket, the cost of the folk self-imitation will be as high as eighty or ninety Wen, and may even be more expensive than the one hundred Wen copper ticket itself.

Of course, shoddy counterfeit banknotes will be born, just like in the future, you will never be able to eradicate the market for counterfeit banknotes.

Zhu Yunwen was helpless about this.

After all, he is a human being, not a god, and he cannot cut off the greed in people's hearts, let alone awaken the conscience and morality in people's hearts.

"No matter what time it is, it is always the people at the grassroots level who take risks and suffer losses."

For the sake of the state, banks must be established and copper bills must be issued.

For the sake of the people, then focus on agriculture and business, and insist on gold and silver.

"Xing, the people are bitter; Death, the people suffer. ”

How difficult it is for the people.

Although he was melancholy, Zhu Yunwen continued to vigorously promote this policy and rejoiced in the results.

On the opening day alone, the city of Nanjing cashed out copper bills with a total price of 2.1 million taels, and all these copper bills were deposited in the bank.

And without exception, it is a long-term savings of five years.

There are a lot more loans than savings.

Large bills worth up to 18 million taels of official ingots or equal silver were divided among the merchants in Nanjing!

However, all of them chose to be short-term or two-year loans for one year or two years, and none of them were long-term loans for five years.

Make money as soon as possible.

There is no doubt that this is a carnival of wealth for the merchants.

"How do I feel, 300 million is less."

Zhu Yunwen suddenly felt that the pleasure brought by controlling a huge amount of wealth was not much weaker than power.

After all, to control power is to take responsibility, and to control wealth can be enjoyed freely.

"Three hundred million is not a lot."

Guo Zi took the stack of loan lists in his hand and sighed: "If you lend out 18 million taels, you will not only get back tens of millions of taels of silver, but there may also be countless human heads dripping with blood." ”

There is no full profit in business, and on the gambling table, there are wins and losses.

"They know what happens when they lose, but they do it anyway, don't they?"

Zhu Yunwen sneered: "This is a businessman, the current Ming Dynasty is full of gold, they want money to go to Shanxi to open coal, and go to Moting to engage in sheep weaving." To go to Quanzhou to go to sea, which of these does not require a large amount of capital investment. ”

These loans will be a rope around the necks of businessmen, forcing them to move forward and make money, as well as forcing them to be full of expansionist minds.

Under this pressure and thoughts, they encourage all actions that will bring them wealth.

Whether it is bloody foreign expansion, or the brutal killing and exploitation of foreign barbarians who are not under the protection of the laws of the Ming Dynasty.

It is always better to have your hands stained with the blood of others than with the blood of your own.

It's not about morality and conscience, it's about greed and for the sake of living better

Or, the merchant is essentially a beast dripping blood from every pore, as the book suggests.

But no matter what, with the implementation of copper tickets and valuable tickets, Daming is about to become a hot land, a hot land for capital sprouts!

(Just watched the news, Jiangxi is facing the threat of the flood peak that is not inferior to the ninety-eight years, come on Jiangxi!) All compatriots in the flood area, come on!

Salute to the front-line flood relief soldiers! ）