As soon as I looked at Shen Xili's appearance, I knew that I was as strong as this big brother, and my thoughts were also limited by the times, and I couldn't get out of that circle, which was actually not difficult to understand, because the idea of the bank was too abnormal.

In this era, the Ming Dynasty was not without money, and it was generally established by a large business with a reputation.

The function of the bank is to save money and borrow money.

This is normal.

There is also an exchange function, which is the function of exchanging silver for treasure money.

If the customer borrows money from the bank, the bank not only has to charge a handling fee, but also charge interest, which is the same as the bank, the difference is that the customer deposits money in the bank, not only has no interest, but has to pay the bank's custody fee and handling fee.

In other words, regardless of saving money or borrowing money, the bank is profitable.

Because of this, the clientele of the bank has shrunk a lot, because many wealthy families actually have the ability to protect their cash and silver - except in troubled times.

And the troubled money bank may not be able to protect their silver.

In this case, the ancient money bank was not a profit, nor was it a profiteering industry, far less fast than the times of the commercial houses to make money.

Therefore, Dusk proposed to establish a bank, and customers not only did not charge handling fees for depositing money, but also gave customers interest, which is the opposite, and it is no wonder that Shen Xili can't understand it.

But Shen Xili didn't know that the development of Qianzhuang was a silver number and a bank.

This is a general trend.

It's just that in the period before entering the modern bank, banks also did not target small deposits.

Dusk had to patiently explain to Shen Xili: "The purpose of my establishment of this money bank is not to make a profit by saving money and borrowing money from the handling fees and interest, but to use the customer's money to make money, assuming a situation, when our money bank spreads all over the country, suppose a customer deposits one hundred taels of silver with us, and suppose we have ten thousand customers, then there is one million taels of silver for us to invest in other industries, in fact, it must be more than this amount." ”

After all, Shen Xili was one of the top people in the business community of Daming, and he quickly came to his senses, "According to this idea, as long as this bank is established and has credibility, just on the Gyeonggi side, the amount of money saved will exceed one million!" ”

The powerful and wealthy families in Gyeonggi have tens of thousands of dollars on average for a casual household, and some even more than that, and it is conservatively estimated that the amount of money saved in Gyeonggi will be around 5 million.

"Yes, so if we want to attract this money, we have to make it flow, and in order to achieve this, we need to use the way of saving money to make a profit, so that a large amount of money can enter our bank." ”

Shen Xili understood this truth.

When you deposit money to the bank, you have to pay handling fees and custody fees, and when you deposit money to Times Bank, not only do you have no handling fees and custody fees, but also an interest income, and fools know what to do.

No one has a hard time with money.

But there's a catch......

Shen Xili frowned and asked, "But have you ever thought that when the customer deposits a certain amount, if it is a million, the interest we have to pay is not a small amount." ”

It's a lot of money.

Dusk smiled: "Yes, so after the money enters the bank, we must use it to realize, such as investing in Huawei real estate, so that Huawei's real estate business can develop to the country, so that we can make money, and one point, we can also lend out this money, and the interest on saving money is lower than the interest on borrowing money, so that we can earn the middle gap." ”

This bank is easy to operate, and it can be run according to the model of the later generations.

The challenge is how to cash out the client's deposit.

This is really not difficult for Dusk, which has countless means to make money, and Huawei's real estate is closer, and medicine, agriculture, and industrial development are all opportunities to make a lot of money.

Moreover, when the hydropower generation is developed, an era construction company will be formed, which can contract the construction of lighting systems in major cities in the Ming Dynasty, which is also an opportunity to make a lot of money.

Shen Xili has one last question: "Then the question is, how do we save and transport such a huge amount of money, you must know that this will form a huge cost, and how can we guarantee credit to the depositors?" ”

Dusk smiled: "So this matter is inseparable from Your Majesty, we need official credit, at the same time, we also need Your Majesty's financial reform, the importance of the Ming treasure banknote will be enhanced, so as to save the cost of transportation and preservation, once the role of the Ming treasure banknote is improved, this is not only saving costs, but also the progress of the currency!" ”

Shen Xili fell into deep thought.

How else can treasure money improve its effect?

He couldn't have imagined.

In fact, the current treasure banknotes of the Ming Dynasty have played a great role, and they are more widely circulated than the Jiaozi of the Song Dynasty, but there is a problem: the trust of the people.

Because the people are afraid of one thing: the state distributes treasure money indiscriminately.

Get up at dusk, "You don't have to worry about these things, you just need to do the following things now: recruit a large number of bookkeepers, buy or rent a piece of land in a prosperous area, build the headquarters of Times Bank, and wait for my news about other things, I will go to Your Majesty to discuss, by the way, the specific affairs of this bank will be handed over to Liang Weisheng at that time, you first give him a breath in advance, so that he can understand the operation principle of the bank first." ”

Shen Xili had no choice but to nod, still a little worried.

And puzzled.

If we only repair the headquarters of the bank, will we not build an impregnable treasury?

Leave the Times Trading House at dusk and go straight to Ouchi.

Zhu Di is a little busy today.

After waiting for about half an hour, I summoned Dusk, and my eyes were already so tired that my eyes were squinted, and I didn't want to speak very much—after all, I had to prepare to return to Suncheon, and there were many things to explain.

After coming in at dusk to salute and salute, he said angrily that there is a fart to let go.

Hungry.

But fortunately, the dog is sensible, and when Zhu Di was too tired, he had already gone to the imperial kitchen to bring snacks and lotus seed soup, and Zhu Di didn't serve the shelf, and ate it in front of the dusk.

Dusk actually wanted to eat some snacks, and after running all afternoon, I was also tired.

But I'm embarrassed to say.

The one on the other side who drank the soup was very happy, but the Son of Heaven, you dare to step forward like an ordinary person to get the snacks in front of him, that is a typical death, you have to wait for his reward.

Swallowing his saliva, he first talked about the matter of the Tai Hospital, and said: "Your Majesty, do you still remember that Wei Chen said that regarding the prevention of smallpox and measles, Wei Chen has discussed with Lu Qian and Liu Xuzhong, the two imperial doctors of the Tai Hospital, and thinks that this matter is feasible, and there is also an idea to improve the process of childbirth in the country and reduce the backward situation of mother and child death caused by childbirth. ”

Zhu Di was refreshed when he heard this.

If you say this, I won't be sleepy, after all, this thing has been done, the merit is in the present generation, and the benefits are in the future - and it is also beneficial in the present generation, Zhu Di hopes that the population of Daming will skyrocket.

Putting down the bowl, he said excitedly: "Let's talk about it specifically." ”