As soon as the news that the imperial court was going to establish the central bank of the Ming Dynasty spread, the most concerned was undoubtedly the merchants and money houses in various places.

Different from ordinary people, it is just a rarity, businessmen from all over the country are watching, and the money banks around are a little panicked, after all, the so-called Daming Central Bank that the imperial court is about to open is actually similar to their money bank, they are very worried about whether the court will prohibit them from opening a money bank, even if the court does not prohibit them from opening a money bank, but they are also worried about whether their money bank will be crushed by the court, after all, they can no longer compete with the Ming court.

Whatever the reaction of the people, the Daming Central Bank will be established soon.

In the early stage, Zhu Ciji planned to open 19 banks in various provinces and above the provincial capital, and then expand to various county towns after gradually stabilizing.

The bank is a place where money is stored, there will undoubtedly be a large amount of money in it, which undoubtedly attracts the concern of some outlaws, for the sake of the safety of the bank, Zhu Ci convened the relevant aspects of the Institute of Science and Technology senior craftsmen, jointly design the construction plan of the bank around the country, in order to prevent robbery, anti-theft, fire prevention and a series of security, at the same time, the bank will also be established next to the police station of the nearest provincial capital, and the police station will always take care of it.

At the same time as drawing the construction drawings, Zhu Cijiao also began to send Jinyi guards to keep an eye on the reputable treasurers in various places, preparing to recruit them as bank managers in the name of the imperial court, and recruit bank staff for unified training in Nanjing.

Half a month later, the drawings of the bank's construction plan were released, and Zhu Ciji immediately ordered the provincial governments to build the bank according to the drawings.

Two months later, the construction of 19 banks in the provincial capitals was completed, and the basic training of bank managers and staff was completed, and the dispatch to 19 central banks began.

The president of the bank, Zhu Ci asked Liu Zongzhou, the secretary of the household department, to serve concurrently, and he will be reappointed after finding a suitable candidate.

At this moment, not only local schools, Nanjing Encyclopedia Academy, and 19 banks are all urgently preparing for opening.

The five years of Daming Zhongxing were quickly spent in various preparations.

With the ringing of the palace bell, at the same time blooming dazzling fireworks, ushered in the arrival of the sixth year of the Ming Dynasty.

On the seventh day of the first month of the sixth year of Daming Zhongxing, 19 Daming Central Bank was officially opened.

The central bank of Daming mainly issues various denomination banknotes, 100 yuan, 50 yuan, 20 yuan, 10 yuan, five yuan, and 1 yuan. Among them, 100 yuan can be exchanged for 1 tael of silver. At present, the physical money is 1 tael of silver can be exchanged for 1,000 copper coins, which means that the 100 yuan banknote of the Central Bank of Daming can also be exchanged for 1,000 copper coins.

In the beginning, Daming Bank will focus on deposits, loans and the issuance of banknotes.

Especially for the issuance of banknotes, Daming already has the existence of silver bills, so the banknotes of the central bank of Daming are not so resistant, but at the beginning, the people are still waiting, and they dare not venture to save money or exchange banknotes.

In order to make the people more quickly accept the paper money issued by the central bank, Zhu Ciji directly ordered that in the future, the salaries and salaries of officials and soldiers would be settled in paper money.

At the end of the first month, officials and soldiers at all levels received the first time that the imperial court used the banknotes of the central bank of the Ming Dynasty to settle their salaries.

The central bank of the Ming Dynasty has Zhu Cijiao, the emperor, personally come forward as a guarantee, and it is backed by the national treasury, so there is absolutely no problem in terms of credibility.

On this day, an old woman in her 50s took eight 100-yuan bills sent back by her son, who was a platoon commander in the Fifth Army, to the Daming Central Bank in Nanjing to exchange silver and two real goods.

The decoration of the bank was extremely atmospheric, and the old woman was amazed from the first step she walked in.

"Old lady, do you have any business to handle?" A bank clerk in his twenties asked the elderly woman with a smile.

"Oh, I'll exchange for silver." The old woman said, and with a trembling hand, she took out eight brand-new 100-dollar bills from her bosom.

Seeing that the old woman was here to handle business, no matter what the business was, the bank staff smiled more gently.

"Old lady, please come here!" The bank staff immediately led the old woman to the counter.

At the counter, there is a large block of thick transparent glass with a hole in the middle, allowing documents to enter and exit the business.

Because a large piece of Touming glass has been developed a long time ago, the glass factory was also built last year, and there are already various glass products sold on the market, so out of a certain need, the construction of the bank, many places have used this large piece of glass.

Inside the counter, there are other bank staff at work.

When the old woman trembled a little and put eight hundred-yuan bills through the glass opening, the bank clerk inside took them with a smile, and after some careful identification, the eight taels of real money and silver were exchanged into the old woman's hands.

When the old woman walked out of the bank with the real money she had exchanged from the bank, her face was still a little dazed, but then her face showed peace of mind and relaxation.

Originally, she was worried that something would go wrong, but she didn't expect to really exchange it for real money.

There are one and two, the Ming million-strong army plus hundreds of thousands of officials and servants who lead the imperial court, they all have their own families behind them, and most of them will more or less give the distribution of the money to the family, so that almost one day to see, the business of the nineteen banks in the provincial capitals of the provinces is busy.

Of course, at the beginning, most of them focused on the exchange of real money, and when it was found that the bank really did not have any credit problems, some people began to be in no hurry to exchange.

In life, there will always be some unexpected accidents.

An old man in Jiangxi also received a military salary from his soldier's son, but at this moment, the bank's exchange business reputation is extremely good, so the old man is not in a hurry to exchange the silver coins in his hand for real money.

Silver coins are paper money after it was issued, because it could be exchanged for silver, so the people spontaneously named it silver coins.

On this day, the old man suddenly forgot to take the silver dollar bill out of the change of clothes.

"Oh no, it looks like I forgot a few silver dollars in my clothes!" The old man's eyes widened instantly, and the old woman seemed to have taken her clothes to the river to wash them.

The old man's blood rushed to his brain, and he was almost not stimulated to spurt out a mouthful of old blood, and desperately threw everything down and ran towards the river, hoping that it would be too late to save.

While running, the old man regretted psychologically, how could he keep the banknotes in his clothes and forget to take them out, he knew that he should have taken them to the bank as soon as possible to exchange the real money in the city, so that there would be no loss now.