So the man was overjoyed to take the banknote to the external window of the canteen to buy a steamed bun, on the way back, the man seemed to understand something, fifty taels of silver deposited in the bank for five days, the capital is not less, the interest can also buy a steamed bun, then, if you save for a year, how many steamed buns can you buy with interest?

Yes, Boss Yang is a good person, I seem to trust her, go back and tell my mother, if it really doesn't make sense, then try to save my own money in the bank......

All in all, there are a lot of such things, but on the whole, the current depositors of Boss Yang are all his own family, and there are not no fragmentary businesses, such as exchanging silver for paper money and then going to canteens, restaurants and supply and marketing cooperatives to buy things, especially during the "rush" season.

The Han immigrants of Zixia Island still retain some of the traditions of their hometown, and every Friday of each month is the township trade day, and on this day, there are many people who come to the wharf of Zixia Town to buy or sell agricultural and sideline products.

In fact, Yang Qiaoqiao found that although immigrants were reluctant to keep paper money in their hands, usually in exchange for as much as they wanted, people also recognized that paper money was indeed convenient.

So a typical transaction process is: the buyer takes a tael of silver to the bank to exchange for an Australian dollar change note, why a tael? Because whether it is with clips or cuts, with a scale, one or two is the lower limit of loss-free exchange, and the unit smaller than one or two is not accurate, and it is not impossible to divide it, but the more subdivided, the greater the loss of both sides of the exchange - the reason is very simple, error and cutting loss---- so this is to be consumed.

In the past, the government cashier had a fire consumption, and the folk used the clamp and shear scale to divide the silver to calculate the loss, the finer the silver was divided, the more the slag loss was, and the people were very clear about this, which is also one of the fundamental reasons for the existence of copper coins.

The two banks in Zixia Island also followed this principle - the only way for the holder of silver to realize his purchasing power without loss of money was to deposit the silver in the bank and exchange it for paper money, which could be divided into cents without loss.

Obviously, the credit of paper money needs time to be tested, so the common people are very clever to carry out a certain balance between silver and paper money - take one or two silver to exchange (there are purity requirements), of course, are small denominations, and then go to the market to purchase, the purchase is completed, if there is some change left, then save it, and wait for the next time to make up enough change of one yuan face value and then go to the bank to exchange it back for silver - so people are very concerned about protecting their property interests, or that sentence: on the interest side, Everyone is normal and rational, and if they are not rational - then the person is not normal at all.

Of course, in many cases, these changes are not saved, but become steamed buns, rum, sugar, or some needles and threads in the hand.

In this way, paper money, in this case, small denominations, actually circulated rapidly on Zixia Island.

But food is still a fly in the ointment for banks, and Boss Yang's big bank depositors still only have their own related accounts, such as the school's food fee deposit.

For this reason, she is very distressed, she can understand that the common people do not recognize paper money, but as a business elite, she knows that the "bank" made by the Australians is very different from the money village she knows, and its commercial significance is very significant......

The so-called things are man-made, Yang Qiaoqiao is a very strong woman, otherwise she would not comb herself into the women's village, let alone go to Macau Kaili Ping Courtyard for the women's village.

But now, Boss Yang is indeed stuck here and can't think of a way, and the weight of the sister's thoughts has directly affected Ren Ke's husband and wife life.

Fortunately, Ren Ke is very attentive to his wife, he knows that if it is in his own era in the old world, a woman like Yang Qiaoqiao must be a female elite in the workplace, and she is beautiful, she is simply Bai Fumei, Qi Tiandayu and the kind of white bone essence in the workplace who did not run.

Seeing that his wife was worried about work, Ren Ke had no choice but to cheer up and give advice to his wife, he ran to Qiaoqiao's shop, looked around, and said to Qiaoqiao casually, I heard that the aunts of the women's village want to open a restaurant on the edge of the dock square in Zixia Town, this is not bad, in fact, there can be a bigger restaurant on the side of the new Qinzhou wharf, right?

But the aunts didn't have enough money, so they said that they would open it here first, after all, Zixia Town would be more lively, and they would open a branch after they earned money.

Qiaoqiao muttered in response to her husband, Ren Ke answered and said My wife is smart, why did you forget that you are opening a bank? You can take out a loan! Let the aunts deposit the money for opening a restaurant in the bank, and then you can lend the money, depending on your relationship with the female village, it is not a big problem to deposit one loan and two loans......

Before Ren Ke finished speaking, a gust of incense came over, and his face was kissed by Qiaoqiao, and then he happily told the maids to prepare the carriage, and she wanted to go to the women's island to visit the women's village in person......

A few days later, the first "large deposit" in the history of the Australian Development Bank entered the bank account, followed by the first large loan business - worth 1,500 taels of silver, 750 taels of silver deposited in the female village, and 1,500 gold Australian dollars from the bank, so two restaurants opened at the same time in Zixia Town Wharf Square and Xinqinzhou Wharf Square.

ICBC immediately followed up, and the same operation method allowed the Nüzhai to expand its investment, setting up two tea shops and two Nühong knitting shops in Zixia Town and near the Xinqinzhou Wharf Square, which were matched to the restaurants, and the latter took over Nühong tailors for the whole island.

Then, Aunt Du Na's Shengjia Garment Co., Ltd. was also involved, and soon after, a garment factory was built on Nüdao, and since then the aunts of Nüzhai have endless work to do and endless silver.

Yang Qiaoqiao and Qi Liangshu gradually developed their banking business to every household on the island, especially through the Trade Development Company, which engaged in physical goods trading business with peasant households on the one hand, and financial lending business for peasant households on the other hand, and took it all at both ends, according to Comrade Lao Ba's eight-share official language, it was called "combining the supply and marketing business of agricultural and sideline products of the Trade Development Corporation with the loan business of the Development Bank......

Time back to the day when Lao Ba Han Lotte arrived at the Blue Pier on the Nicole, when the Nicole docked on the Blue Pier, the dock square was already crowded as usual, and at this time, behind the huge hull of the Nicole, there were more than 20 sailing ships of all sizes, these sailboats hung a variety of flags, and the flags of European countries could be found from the flags.

The vast majority of these ships are "stragglers" of non-East India Company flags of various countries, and there are various flags on board - in fact, it is impossible to determine the identity of these ships by flags, and such a thing as flying flags is a trivial matter in the lawless sea, and there is no doubt that these ships are also mixed with pirates, after all, pirates also have to do business.

Thus, in ports controlled by the Dutch, Portuguese, and Spaniards, these ships would either be subject to discriminatory tariffs or would be denied entry to the port for the simple reason that they could not be verified and therefore would not be eligible to participate in market trade.