Hearing Zhang Jingchu's words, Huang Zhiwen also picked up a silver dollar, blew it gently, and put it to his ear, and immediately heard a very crisp sound.

"Mr. Huang, I don't know if you are interested in depositing the silver in our bank, the interest on the deposit in our bank is quite good, the interest is more than three percent for one year, and if you deposit it for three years, the interest is more than four percent per year."

Zhang Jingchu did not forget his mission, and he also promoted the bank's deposit business to Huang Zhibin.

"More than three percent interest?"

When Zhang Jingchu heard this, he smiled and said: "I am also a small business, how can I have any money to deposit, I still want to ask you for a loan, can you tell us about this loan?" ”

"Of course you can~"

Zhang Jingchu smiled and nodded, and said directly: "In our Daming First Bank loan, you need to have collateral, generally speaking, we only accept the two types of collateral, land deed, house deed, interest, in our loan generally only one cent of interest a year." ”

"Just one cent of interest a year?"

"Is this true?"

When Huang Zhiwen heard this, his eyebrows raised, this interest rate is very, very low, in this era of paying attention to nine out of thirteen, any borrowing is basically usury, and it is impossible to borrow too much silver.

This Daming No. 1 Bank only needs a penny of interest, and as long as there is enough collateral, there is no problem with how much silver to borrow, which is tantamount to great news for them businessmen.

"Of course it's true, the strength of our Daming First Bank must also know something, we are not afraid of people loans, and we are not afraid of people not repaying the silver, we are afraid that no one will come to take loans, open the door to do business, talking about the word reputation."

"I wonder if Mr. Huang wants a loan?"

Zhang Jingchu was full of smiles and said very confidently.

The big proprietors of the First Bank of the Ming Dynasty are Emperor Hongzhi and His Royal Highness the Crown Prince, who dares to owe them money and not pay it back, isn't this looking for death?

"I don't need it for the time being, if there is a need later, I will definitely come to you."

Huang Zhiwen smiled and shook his head, seeing that his account office had put away the silver dollar, he quickly said goodbye and left.

"Daming First Bank~"

"Silver Ticket~"

"Silver Dollar~"

Out of the door of the First Bank of Daming, Huang Zhiwen couldn't help but look back at this luxuriously decorated building again, everything was full of freshness.

……

In Beijing and Tianjin, with the official opening of Daming First Bank, many industries under Liu Jin's command were linked to Daming First Bank, which soon led the business community in Beijing and Tianjin to start contacting banks.

At the beginning of the period, everyone was still more or less skeptical, as long as there was a silver ticket in their hands, they would basically go to the first bank of Daming to exchange for silver dollars as soon as possible.

But soon, everyone slowly found that this silver ticket is more convenient to use, because the silver ticket is simple, convenient, and easy to carry, and everyone quickly fell in love with this new silver ticket.

Because no matter who you are, as long as you go to the First Bank of Daming with a silver ticket, you can exchange it for a full amount of silver dollars, so invisibly, you have slowly established your own reputation.

Slowly, everyone will not rush to exchange the silver ticket in their hands for silver dollars, but will choose to take it out and use it.

In the beginning, the use of silver tickets was limited to people in the business world, because people in the business world were the first to come into contact with these silver tickets and silver dollars, and they were the first to accept these silver tickets and silver dollars.

People in the business world, there are a large number of funds every day, in the past, it was very troublesome to settle with silver, but now it is very convenient to settle with silver tickets, even if you don't use silver tickets, everyone is now slowly accustomed to using silver dollars to settle, convenient, fast, and save a lot of trouble.

Naturally, the people of the business world were the first to accept this new style of silver tickets and silver dollars, and the merchants of the two places gradually adapted to it from the initial resistance, and even slowly developed to the point of only recognizing silver tickets and silver dollars.

Many times, if you use ordinary silver and other money bank's money to settle the settlement, they will not recognize it, and they will gradually dislike it.

Because it increases its own costs, it also increases its own risks.

Ordinary silver, you need to figure out the fineness, but also to weigh it, extremely troublesome, as for the silver ticket of the bank, everyone used to like to use, but the silver ticket of the money village here in the capital can only be used here in the capital, you have no way to use it in Tianjin.

Silver tickets and silver dollars are different, silver tickets can be used in Beijing and Tianjin, and the first bank of Daming has also begun to open branches in Nanjing, Suzhou, Chengdu and other places, and the future can basically pass the entire Ming Dynasty with silver tickets.

As for the silver dollar, that's not to mention.

Now people in Beijing and Tianjin like this kind of silver dollar the most, very exquisite, full of color, each silver dollar is a standard silver dollar, you don't need to weigh it at all, even if there is no weighed around, it can also be used conveniently.

The silver dollar was first popularized in the Beijing-Tianjin area, and this kind of silver dollar, which is of uniform size, uniform specification and uniform weight, quickly spread from the business world to the hands of ordinary people, and quickly became a favorite thing for everyone.

In a short period of time, the silver ticket gradually circulated from the business world to other fields, and the purple silver ticket with a face value of 100 taels quickly became everyone's favorite color.

Purple has always been a noble color, and even once a royal color, and now this kind of silver ticket with a face value of one hundred taels has quickly become a new way for everyone to show off their wealth.

When I went out to the restaurant and ate in the tea tube, I took out a stack of silver tickets from the bag, and the purple and purple silver tickets were very eye-catching, and they could always attract the attention of the people around them in the first time.

A hundred taels of silver is naturally nothing to a rich man.

But for the ordinary people of the Ming Dynasty, this is an astronomical number, an unattainable number.

With a few purple silver tickets of one hundred taels of silver in his arms, this is definitely a rich man.

In the past, when I visited the Qinglou Chu Pavilion, it was basically enough to throw the silver into pieces, and the slightly rich ones were just throwing a silver ingot, but now it is different.

When earning the first card, it is a pile, a pile of purple silver tickets thrown out, and suddenly the whole audience will immediately be silent, knowing their eyes wide, and not knowing is curious to ask questions.

In the past, the waist was wrapped around 100,000 yuan, and it was just a joke to ride a crane down to Yangzhou, because no one could really wrap 100,000 yuan around the waist, you must know that the consistent copper coin is full of 1,000 yuan, and the consistent copper coin is almost a catty, and this 100,000 copper coin, who can wrap it around the waist.

But now it's different, 100,000 copper coins are just a few stacks of purple silver tickets, just put them in your arms, and you can easily go around at ease.

Because of the convenience of silver bills and silver dollars, and of course, more importantly, because the first bank of Daming has always been very strong and has strong financial resources, this kind of bearer, no secret deposit, no endorsement of silver bills, naturally quickly became popular.

"Pediatric Checkout~"

In a box on the third floor of the most luxurious Moon Tower in the capital, Zhu Houzhao, who had just had a good meal, exclaimed happily.

"Hello guest officer, a total of twenty-three taels of silver~"

The shopkeeper who heard the sound ran over and said with a smile.

"Give~"

Zhu Houzhao took out a stack of purple silver tickets from his arms, took out one of them and put it on the table, which was very refreshing.

Liu Jin on the side looked at the scene in front of him, and the whole person couldn't help laughing, this Zhu Houzhao likes to pay by himself now, in the past, Liu Jin was in charge of paying the money, but now it is different, wherever he goes, no matter what he does, he likes to pay by himself.

And every time I pay, I like to take out a large stack of 100 yuan silver tickets from my arms, there is no doubt that almost every time I see Zhu Houzhao paying, my eyes will widen, and I will look at a large stack of 100 yuan silver tickets in Zhu Houzhao's hand in a daze.

At this time, the shopkeeper of Mochizuki Tower is naturally the same, although the people who come to Mochizuki Lou to consume are rich people, and they eat more than 20 beautiful silver in one meal, and ordinary people can't afford to eat it at all, and there are many people who sell 100 yuan silver tickets.

But like Zhu Houzhao, a person with a large stack of 100 yuan silver tickets directly in his arms, it was the first time he saw the shopkeeper, and suddenly the whole person's mind was full of white silver.

"How much silver is this?"

"I'm afraid it's tens of thousands of taels of silver."

The shopkeeper was dumbfounded, with tens of thousands of taels of silver on his body, it was the first time he had seen such a rich man.

He took the 100 yuan silver ticket on the table and checked it carefully, there was a detailed publicity on the side of the First Bank of Daming, and he knew how to distinguish the real from the fake.

"Guest officer, wait a minute, I'll give you change."

Confirm that there is no problem with the silver ticket, the shopkeeper is also a fart, a fart to take change, and soon come over with some silver tickets, and give Zhu Houzhao change of seventy-seven taels of silver.

"Dog stuff is put away~"

For the silver ticket that was not one hundred taels of silver, Zhu Houzhao was not even interested in looking at it, and directly instructed Liu Jin behind him.

"Lao Liu, this 100 taels of silver tickets is still too low, it is best to be able to make a 1,000 taels of silver tickets, and when the time comes, you will definitely have face when you go out with a stack of 1,000 taels of silver tickets."

After paying, Zhu Houzhao's eyes rolled, and after thinking about it, he said to Liu Jin, he is now enjoying this feeling of being rich, wherever he goes, he directly uses silver to open the way, which is very good, everyone looks at the large stack of 100 yuan silver tickets in his arms with glowing eyes, and he can't wait to rob Zhu Houzhao directly.

"Your Highness, the value of silver is very great, the value of a hundred yuan silver tickets is already very large, there is no need to give out a thousand taels of silver tickets, too much, it is also inconvenient for the market to circulate, you take a thousand taels of silver tickets out, few people can give change."

Regarding Zhu Houzhao's behavior of showing off his wealth, Liu Jin couldn't cry or laugh, and after thinking about it, he said.