The capital, Liu Jin's mansion.

"Childe, Daming First Bank has opened branches in the provincial capitals of the thirteen provinces of Daming and some important cities, but at present, our deposit business has been progressing slowly, and there are very few deposits in branches around the country, and there are many people who take out loans."

In Liu Jin's study, He Run, the general manager of Daming First Bank, is reporting to Liu Jin on the progress of Daming First Bank during this period.

"Inform all localities that the amount of loans under control, if there is no deposit, we borrow too much, our funds will not be able to keep up, once we can't keep up, our reputation will be damaged, and in serious cases, it is very likely to cause a run."

Liu Jin listened carefully, during this time, in addition to going to Hanlin Courtyard every day to make tea and drink, Liu Jin was busy with the affairs of the First Bank of Daming and Ryukyu City the rest of the time.

As the most critical step in Liu Jin's layout, Daming First Bank naturally attaches great importance to it.

At this stage, the most important thing is to continue to open branches in Daming, and first spread the points, so as to facilitate the use and circulation throughout the country.

If you bring some bank bills to Nanjing with some bank bills in Beijing, you can also take out the silver from the Nanjing branch, which is common all over the country, which can greatly facilitate the promotion and use of bank bills.

In fact, it is still very inconvenient to carry the silver dollar, especially in the case of a large amount, and the silver ticket is different, and it is also very easy to load a few thousand taels or ten thousand silver tickets.

Moreover, it is extremely convenient for silver tickets to be used for trading, only the amount of the face value needs to be calculated, and there is no need to care about the fineness, weight, etc.

Now in the Beijing-Tianjin area, the silver ticket has gradually become popular, going out to do business, everyone likes to use the silver ticket of the first bank of Daming to trade.

Of course, the silver dollar is also very popular, the color is sufficient, the weight is sufficient, and the casting is very exquisite, whether it is ordinary people or businessmen like to use silver dollars.

The Beijing-Tianjin area is the core of Daming, with the Beijing-Tianjin area as the core to the entire Daming radiation, the first bank of Daming is also quickly opened throughout the entire Daming two capitals and thirteen provinces.

Open all over the place, but the development of various businesses is encountering difficulties, especially the deposit business, which has never been carried out, even in the Beijing-Tianjin area, the deposit business is very small, let alone other places, this is also Liu Jin's biggest headache now.

There is no deposit, which means that the funds in the hands of the First Galaxy of the Ming Dynasty are always limited, just relying on these funds in your hands, no matter how big your plate is, you can't stand the people of the Ming Empire coming to take out loans, which is why Liu Jin asked He Run to notify all localities to control the amount of housing loans.

Only in and out, this is extremely unfavorable to the first bank of Daming.

"We must get the deposit business started!"

Liu Jin was very aware of this, thought about it and said to He Run: "What do you think is the reason why our deposit business can't be done?" ”

Hearing Liu Jin's words, He Run was slightly stunned, thought for a while and said: "I think the most important thing may be that everyone is not very familiar with our deposit business, and they don't believe us, and they always feel that if this silver is deposited in our bank, we will eat their silver." ”

"So how do we go about solving this problem?"

Liu Jin nodded, this era is different from the later generations, the people of later generations like to save money the most, because everyone knows the many benefits of saving money, there is interest, it will not be stolen, and it can also be transferred and traded, which is very fast and convenient.

But this era is the same, of course, the current customers of the First Bank of Daming are all rich people, and ordinary people have no silver to save.

Everyone still lacks recognition of Daming First Bank, and there is no habit of saving money, everyone prefers to drag the silver in their own hands, and always feels that this is safer.

After listening to He Run's words, Liu Jin thought carefully in his mind, the key is propaganda, or to change everyone's ideology, this propaganda is not in place, how can the landlords and old fortunes scattered in the countryside of Daming know that Daming First Bank has a deposit business.

If the ideology does not change, even if everyone knows that there is a deposit business, they will not save the silver, and would rather put it in the cellar to get moldy than covet your little interest.

"How on earth can we solve this problem?"

Liu Jin pondered carefully.

This matter is too important, no one has deposits, even if the first bank of the Ming Dynasty fails, it can't be done, it can't get out, and although the first bank of the Ming Dynasty has strong capital, it can't withstand the loans of the entire Ming businessmen and the like.

What's more, there is no deposit, this silver is always buried in the ground of Daming, without any circulation, which is also extremely unfavorable to the development of Daming.

"You go back first, and I'll think about how to solve this problem."

I couldn't think of it for a while, and Liu Jin also instructed He Run.

"It's ~ Childe."

He Run nodded and left, leaving Liu Jin frowning all the time, thinking about this question.

"Everyone doesn't believe it, it's not familiar, it's not trusted, the most important thing is the problem of ideology, how to solve this?"

Liu Jin kept thinking, but he didn't pay attention to the passage of time.

Xu Wan'er and Li Zhen walked in with a smile, and when they saw Liu Jin frowning, Li Zhen said with a smile: "Xianggong, what makes you so sad?" ”

"Yes, you might as well tell the concubine to listen, maybe we can help you think of a way?"

Xu Wan'er also said.

"It's not the matter of the first bank of the Ming Dynasty, the deposit business of the first bank of the Ming Dynasty has never been able to do it, and the loan business here has been putting the silver out in an uproar, and it is not a way to go on like this for a long time, the bank's silver, it must be in and out."

Liu Jin saw that it was his two wives who came over, and immediately said with a smile on his face.

"Isn't everyone aware of this business?"

After listening to this, Li Zhen thought about it and said.

"This is a reason, there are not many people who know that our Daming First Bank has deposit business, only limited to some businessmen, and more importantly, it is actually a matter of ideology, everyone does not believe in our Daming First Bank, and they feel that this silver is deposited in our bank, and we will swallow their silver."

Liu Jin nodded and said.

Hearing Liu Jin's words, Xu Wan'er and Li Zhen immediately frowned and began to think about it.

"Xianggong, you said that if you use the newspaper to promote our Daming First Bank, will everyone believe it more?"

Xu Wan'er thought for a while and said: "Our Daming First Bank is mainly not well-known, and everyone is not very trusted, and we always feel that we must be similar to Qianzhuang. ”

"Newspaper?"

"It's not..."

When Liu Jin heard this, he immediately shook his head, but the official Ming Dynasty official documents and political information used to transmit and publicize the government and government, how could it be used to promote the First Bank of the Ming Dynasty to you.

However, Liu Jin was only halfway through his words, and immediately a flash of inspiration flashed in his mind.

"袛报~袛报, newspaper, newspaper ~"

"yes, I didn't think of that."

Then Liu Jin also slapped his thigh, and the whole person suddenly became cheerful.

We want everyone to know that in the final analysis, it still depends on propaganda, how to publicize it?

Newspapers are definitely the best way to do this, and they are always the best way to publicize before all kinds of advanced means of communication in later generations.

By running a newspaper to publicize the various businesses of the First Bank of the Ming Dynasty, and constantly illustrating the benefits of depositing money into the First Bank of the Ming Dynasty through various examples, everyone will know that the ideology will slowly change, and the deposit business of the First Bank of the Ming Dynasty will naturally be able to be done.

And the benefits of running a newspaper are very numerous.

Newspapers, it is also a tool of public opinion, self-run newspapers, what content is published on it, naturally it is up to oneself to have the final say, use appropriately, and naturally can slowly grasp public opinion.

In the same way, the newspaper can also publicize all kinds of industries that are now very popular, such as whaling, fishing, ocean-going trade, textiles, and so on.

Once the newspaper is opened, it will spread throughout the Ming Dynasty, and it will not only be popular here in the Beijing-Tianjin area, but will quickly spread to the entire Ming Dynasty.

In this way, the germination and development of capitalism will become even more rapid.

Thinking of this, Liu Jin was excited, and then immediately hugged Xu Wan'er happily and kissed her.

"It's still Mrs. amazing, and it suddenly made me think of a solution, come, reward."

As soon as Xu Wan'er saw that Qin Yi was about to kiss her, her whole face immediately turned red, although they were already old husbands and wives, but after all, this was in public, and there was Li Zhen by her side, as well as two people's personal maids.

"Xianggong, there are still people~"

Xu Wan'er reminded in a whisper.

"What are you afraid of, it's not that they haven't seen it."

Liu Jincai doesn't care about this, Li Zhen and Xu Wan'er often serve themselves at one time, as for the maids of the two, they also serve the masters every day, and they have seen everything they should see.

"Xianggong~"

Xu Wan'er's face turned even redder, and she looked like she wanted to refuse and welcome, which immediately made Liu Jin even more fierce, and picked up Xu Wan'er and led Li Zhen to the bedroom.

When Li Zhen and Xu Wan'er saw this, their faces immediately turned red, and they immediately thought of something, and they wanted to resist, but but... Immediately, I felt even more ashamed, and I couldn't blush.

"It's all old husbands and wives, what are you shy~"

Liu Jin naturally has no skin and no face, and he is not ashamed at all when he kisses him, as for the maids of the two, they have already covered their eyes at this time and quietly watched this scene through the gap.