The matter of the grasshopper was handed over to Zhang Fengyang, and there were other things at dusk.

In the afternoon, the officials came.

Two promotion papers.

From Shilang and Shenji Battalion to the command of the Chinese army, Quan is also an advisor to the Medical Reform Department, subordinate to the Tai Hospital, and Qipinshang, and a consultant to the Monetary Reform Department, subordinate to the Ministry of Households, under the Liupin.

At dusk, I realized that I was in Zhejiang these days, but I didn't expect Zhu Di to implement the currency reform in Yingtian.

Meddlesome.

Daming is on the right path.

In the following days, I ran around at dusk, and I hardly slept well for a few days, either in the Medical Reform Department or in the Monetary Reform Department, not in the Monetary Reform Department in the Ordnance Academy, or in the Qianqing Palace or the Prince's East Palace.

At the end of the fourth year of Yongle, medical and monetary reform was in full swing.

As for the results......

It will take about five years of Yongle to see it.

In the midst of his busyness, Dusk has not forgotten his major project: Times Bank.

Soon, the 50,000 taels of gold borrowed from the household department arrived, and Grasshopper Yi was fully armed, transported 50,000 taels of gold from the treasury, and circled around Yingtian City with great fanfare, before returning to the Times Bank, which is located in the most prosperous area of Yingtian.

All of a sudden, the whole Ying Tian was boiling.

A money bank has 50,000 taels of gold in cash, who will believe it?

It was these 50,000 taels of gold that gave countless thoughtful people confidence in Times Bank, but they soon found out that they didn't want to pay money to each other when they deposited money to Times Bank.

Instead, there will be an interest.

And after depositing money to Times Bank, there are two ways to get the money back, one is to withdraw it at any time, with a lower interest, and the other is fixed, one year or two years or three or five years, with a higher interest.

Then there is borrowing money from Times Bank, which has to pay interest.

However, compared with private loan sharks, it is much lower, and the interest rate of official loans is about the same.

So soon someone took the first step to eating crabs.

The first person to deposit money in Times Bank was suddenly the wife of Zheng Heng, Marquis of Wu'an, who deposited 10,000 taels of silver at one time.

If you don't eat interest, you won't eat it in vain.

I can't eat the Times Bank, after all, someone else's 50,000 taels of gold are there.

Similarly, when some businessmen have problems with capital turnover, they also think of Times Bank for the first time - so much money, it's no problem to borrow it.

However, the businessmen soon discovered that when the Times Bank borrowed money, it did not give gold and silver, but only paid the Daming treasure banknotes, and was personally escorted by the grasshopper Yicong to send a large amount of era treasure banknotes to the mansion.

That's very sweet.

Of course, money is not something that anyone can borrow, first of all, there must be something to mortgage: the title deed of the property can be, and even people with heads and faces only need to rely on their own names.

The proprietor of Times Bank, Twilight, doesn't seem to be worried at all about the fact that these merchants can't pay back.

With such easy loan terms, other businessmen will miss it.

Some people even made a small calculation, borrowing money from the Times Bank and then depositing it, whether it can be operated, and as a result, they found that they were going to lose, so no one came to pick up this wool.

Soon, in the first month of the expiration of the deposit and loan at the end of the year, the Times Bank began to issue interest and collect interest, but all the powerful and wealthy who deposited money in the Times Bank received the interest receipts delivered by the special guards from the grasshopper.

The more money you save, the greater the interest.

However, this interest has not been cashed and is still deposited in Times Bank.

A certain rich man was not at ease, so he went to withdraw all the principal and interest, and found that - hey, no, Times Bank paid the full amount according to the principal and interest.

Of course, it's still treasure money.

Many people tried it and found that it was really the truth, so they put their money into Times Bank more and more heartily.

On the other hand, Grasshopper Yicong also began to collect the first month's loan interest.

Some wealthy people who had taken out loans calculated their accounts and found that the funds borrowed from Times Bank were still small profits after being used for business operations, excluding interest, so they were also relieved.

After all, Times Bank does not have a profit-making operation.

At the end of the fourth year of Yongle, Times Bank became the boiling point of the entire Yingtian, and at the same time, it also caused dissatisfaction among the people: all loans were only for large sums of money from the powerful and rich.

Then ordinary people also want to share this soup!

This dissatisfaction quickly spread to Zhu Di's ears through Ying Tianfu Yin Xiangbao's chapter fold, and Zhu Di found Dusk to say this, Dusk was so difficult, and then had to add a small loan and money saving business.

However, it needs to be prepared, and it will be opened after the year.

By the way, he bargained and asked Zhu Di for ten war horses.

And because most of the deposits and loans of the Times Bank are paid by treasure banknotes, it is the currency reform on Yingtian's side, which is promoted without resistance, and more and more people recognize the normalization of treasure banknotes.

The four years of Yongle have passed like this.

On the first day of the New Year, Shen Xili came to dusk and reported to dusk about the affairs of Times Bank and many things of Times Commercial Bank.

Looking at the solid carriage account book, Dusk had a headache.

However, when it comes to money, the procedures that should be taken still have to be taken, so I temporarily hired a bunch of bookkeepers to reconcile the accounts, and the courtyard was busy, and Shen Xili sat and drank tea in the study at dusk.

Shen Xili went straight to the point, "In just one month, Times Bank has absorbed the savings of many rich and powerful people, about 3.8 million taels, and the funds lent out are about 1.3 million taels, which is just enough to cope with the interest on both sides, and Times Bank is not a profit or loss." ”

Dusk bowed slightly, "This ratio is still relatively benign, leaving part of the funds for the operation of Times Bank, and the rest of the money is used in the form of shares to invest in other industries of Times Bank." ”

Banks do not live on interest, they rely on money to make money.

Shen Xili bowed his head, "I think so too." ”

He was really convinced.

In such an operation of the Times Bank, the Times Commercial Bank had more than 2 million more cash out of thin air, or even more than that, because the 3.8 million yuan in deposit was not in the hands of depositors, but in the treasury of Times Bank.

The point is that this money will continue to expand with the development of Times Bank.

This is simply the highest level of empty gloves white wolf.

Shen Xili asked again: "The 50,000 taels of gold in the treasury can actually be returned?" ”

Dusk pondered for a long time, "Your Majesty will not levy Mobei for the time being, this money can be put in the Times Bank first, or directly invested in other industries, and when Your Majesty wants to use it, it will be returned to the national treasury." ”

Money, only when it flows, will there be more money.

Once money flows, more money is created.

Shen Xili had no objection.

Dusk continued: "After the Spring Festival, you can consider establishing branches of the Times Bank in other important towns across the country, in addition, I will ask Your Majesty for the expansion of the Grasshopper Yicong, not only that, all the industries of the Times Commercial Bank will start next year and be rolled out on a large scale across the country!" ”

The five years of Yongle will be the year of growth of Times Commercial Bank.

A year later, he will be the richest man in the world!

Shen Xili took a deep breath, he had seen the glorious future of the Times Commercial Bank, and he was sincerely excited, "Feasible, what about the operation over there?" ”

Dusk smiled: "It's all the territory of the Ming Dynasty, the same operation, but after all, Jiaozhi has only been included in the Ming territory, and our strategy can be discounted to buy the hearts of the people of Jiaozhi." ”

Shen Xili nodded, "I also have this intention, but Li Li is afraid that you will write to persuade him." ”

Dusk smiled: "This is natural, let Li Li spit out some meat, he shouldn't have any opinion, after all, Li Li still has this vision." "After all, it's Li Taizu.

Shen Xili said again: "The workshop over there in Shuntian has begun to bear fruit, but it still needs to spend a lot of money to get in. ”

Dusk cut one word categorically: "Smash!" ”

How much is smashed.

Although Shen Xili didn't understand why Dusk valued Shuntian's workshops so much, he believed unconditionally in the eyes of the owner, and finally said something, which could be regarded as a kind reminder, "Your Majesty, I'm afraid it's going to cool down." ”

The tree is a big move.

Times Commercial Bank continues to develop like this, and no one knows if His Majesty will be jealous one day.

Dusk bowed his head, and thought deeply, "Don't worry, after the New Year, I will talk to Your Majesty about the conquest of Mobei, and then it will be the time for our Times Commercial Houses to express their loyalty to Your Majesty." ”

Shen Xili sighed, "I hope Your Majesty will believe it." ”

Twilight smiled, "He will." ”

got up and smiled at Shen Xili: "That's it, you've been busy enough in the past two years, let's have a good rest these days, and we'll strike hard next year, so I wish you a happy New Year and a happy family in advance!" ”

Yongle five years, here.

The Hatchling of the Empire will be completed!