For the country to develop, industry is the foundation.

Agriculture is the guarantee for the development of industry.

Only when you are full will you have extra energy to develop industry, and you need to wait a little longer to drive industrial development throughout the country, but at this moment Dusk intends to use your own strength to drive some industries to lay the foundation for modern industry.

In the meantime, if there is no torch in China, then I, Huang someone, will be a point of light, I hope that the light I bring with the burning of my life is not the only flame between the fifteenth and twentieth centuries!

The first step is to gather talent.

Suncheon already has a talent hall Fuyao Hall, and Yingtian's Fuyao Hall should also be on the agenda.

Zhu Di had already agreed to the establishment of a talent hall.

The Fuyao Hall on Yingtian's side is directly operated, so Shen Xili, who came to the Times Bank in person at dusk on this day, did not go straight to the topic, there are too many industries, and the Times Bank still has to keep an eye on it.

Inspect Times Bank first.

Shen Xili and Liang Weisheng accompanied, according to the plan, after Shen Xili laid the foundation in the early stage, Times Bank will be taken over by Liang Weisheng, after all, Mr. Accounts is from a background, proficient in arithmetic, and it is easier to integrate in finance.

The headquarters of Times Bank is located on the most prosperous long street in Yingtian, and the most experienced and capable masons in Gyeonggi are invited to build a two-story building with a brick structure, especially the gate, which adopts the Zhu Gate used by the powerful and wealthy, and there are Pixiu Town Gates on the left and right in front of the gate.

Magnificent and magnificent.

There is a pavilion on the left and right behind Pixiu, in which sit two Grasshoppers dressed in armor and holding crossbows - to ensure the safety of every customer who comes to deposit money.

Walking through the door, you are greeted by the business lobby, and on one side of the lobby, a young bookkeeper who is familiar with the business of Times Bank, temporarily assumes the duties of the lobby manager.

After the establishment of Times Bank, Dusk officially determined the position and title of "manager" to promote the entire department under the jurisdiction of Times Bank, and as for other departments of the commercial bank, the shopkeeper was still used.

Although tradition still has its advantages, finance is more modern, or a little more modern.

At the very back of the lobby is a large brick house, fenced with iron, similar to a pawnshop, but the countertop is as high as the countertop of the later bank, and there are chairs and even tea in front of the window.

Behind the window, there are more than a dozen employees, responsible for handling various businesses, and in the wide area behind them, there is a group of scholars who are proficient in arithmetic - responsible for counting money.

Then the iron gate of the business department leads directly to the bank warehouse behind the Times Bank, and there are layers of iron doors in between.

And around the silver vault, there are stationed grasshoppers.

Fifty thousand taels of gold are still in the treasury, and Times Bank does not dare to be careless, in case this batch of gold is lost, Times Bank will die - I really can't afford to pay it.

At dusk, accompanied by Shen Xili and Liang Weisheng, they came to the counter, and because it was still early, only a rich man who opened a silk village in Gyeonggi came to handle the money saving business.

I didn't bring a servant.

At the request of Dusk, Times Bank opened an appointment service, but all customers who come to Times Bank to deposit and withdraw money, if the number exceeds a certain amount, will be picked up by Grasshopper Yi from full armor to ensure the safety of funds on the road.

Looking at the young people in charge of counting the banknotes in the business department, they skillfully ordered a stack of treasure money, and watched the teller quickly open various bills, took out a fold and handed it to Fugui, and kept the private seal pattern of the rich man, and finally told him that if he wanted to withdraw money, he must bring his personal seal.

The rich man obviously came to save money for the first time, and he was at a loss, "I'm also very busy, sometimes I need money, it's impossible to run around in person, if I want my henchmen to withdraw money, what should I do?" ”

The teller smiled: "It can also be operated, but you still need your personal seal, and there is a household registration certificate of the relevant person, and a sealed handwritten letter from you, as well as a password for withdrawing money." So you must keep your private seal and don't be robbed by others. ”

The rich man breathed a sigh of relief and relieved, "That's very good. ”

Then he asked, "If I have an accident and I can't come to withdraw the money, how can my children and grandchildren withdraw the money?" ”

The teller explained: "This is not difficult, your children and grandchildren can bring the certificate of the government, as long as it proves that you really can't withdraw this money, your children and grandchildren can come to withdraw it, and there is no need for a password." Of course, this is actually very complicated, we are responsible for you, so when the time comes, you may need a will or something to prove that the money belongs to one of your descendants, if there is no will, we will also cooperate with the government, choose the person who should inherit your property the most, and send the money to your house. ”

Fu Jia was completely relieved at this time, and sighed: "You owners, you really think comprehensively and are also convinced, no wonder Times Commercial Bank can become a business giant in the entire Gyeonggi City." ”

After the rich man was gone, dusk fell into deep thought.

In terms of depositing and withdrawing money, it is still necessary to continue to optimize the process, so it seems that the effect of changing the household registration certificate to an ID card should be much better: the ID card plus the password can save a lot of cumbersomeness.

There is also a problem, now the password of the depositor, the teller also knows, for fear that the teller will steal it, but there is no way to invent computers and other equipment at the moment, and this problem needs to be solved: make a thing that only the depositor knows the password, but the teller can determine that it is the depositor.

A Luban lock-like thing?

When the customer goes to the bank, find the corresponding Luban lock for him to unlock, but the problem that comes with it is that it will take up a lot of space, so this matter has to be thought about again.

Or Times Bank makes a unique password card, the bank and the customer each hold half of the code, and if the two halves can be perfectly connected when withdrawing, the password is deemed to be correct.

But there are also problems, it is still the problem of the preservation of the depositor, in case their password card is stolen, and then the household registration is forged, it may lead to the theft of the deposit.

Therefore, it should be supplemented by numeric ciphers, and Arabic numerals should be vigorously promoted, which were introduced to China in the thirteenth century, but are not widely used today.

Troublesome.

Fortunately, there is no urgency in this matter, and no one wants to make this windfall for the time being.

He should take precautions and use his ability in the officialdom to persuade Zhu Di or the crown prince Zhu Gaochi to revise the Daming Law and add some punishment regulations on stealing bank deposits, and the intensity must be large to achieve the effect of killing chickens and monkeys.

Reform is on the way, and the law should be perfected accordingly.

Shen Xili said something that gave Du Du a headache: "With the signboard of Times Bank, now there are more and more people from Gyeonggi who are powerful and wealthy to borrow large amounts of money from Times Bank, and the person who is responsible for door-to-door pick-up and drop-off of treasure money, gold and silver, is a little stretched, do you think this problem should be solved, is it to cancel the rules of door-to-door pick-up, or to increase the number of grasshoppers?" ”

Dusk shook his head, "It can't be canceled at the moment, many powerful and rich people are saving gold and silver, and the transportation is inconvenient, so they must be guarded, so they can only increase the number of grasshoppers, I will go to the prince to solve this problem." ”