The old man had already subconsciously felt that the banknotes in his clothes would be destroyed after touching the water.

"Old woman, where are my clothes, have you leaked water?" The old man hurriedly ran to the river, and when he saw the old woman washing clothes, he shouted this sentence at the first time, and his tone was full of eagerness and nervousness.

"What's wrong? Isn't there something in your clothes that makes you so anxious? The old woman looked suspicious, this was the first time he had encountered this situation, and he couldn't understand what the old man was anxious about.

Although she didn't understand, the old woman didn't move slowly, and soon found the old man's linen clothes from the wooden basin.

Looking at the soaked linen clothes, the old man's face immediately turned like ashes, it's over, it's really ruined, it's equivalent to three taels of silver, and if you can buy a lot of things, it's ruined.

The old man's hands trembled, and the old woman realized that something was wrong.

Suddenly, the old woman also thought of the silver dollar banknote that she had just received from her son a few days ago, and she looked at it carefully for a while, constantly admiring how beautiful the patterns on the banknotes were.

"Old man, isn't it?" the old woman asked nervously.

The old man sighed and rummaged through his clothes.

Realizing that it was really as she thought, the old woman's face turned pale instantly, and she really wanted to slap herself, why did she splash it like that, and soaked her clothes with water early, where can you see water on the paper, and when she sees the water, the words and patterns on it are not all scattered.

And when the old man took out the hundred-yuan bills from his clothes, he opened them and looked at them, and the old man and the old woman couldn't help but be stunned at the same time.

"Old man, the words and patterns on this silver dollar note don't seem to have changed, and they haven't broken due to water seepage." When the old woman said this, she was extremely excited, after all, it was a loss of three taels of silver, and it was certainly worth being excited to recover.

The old man was also excited, it turned out that what was said in the Daming Daily turned out to be true, this Daming silver dollar banknote can really be waterproof, isn't it invulnerable?

Of course, just waterproof can't be said to be invulnerable, at least the old man doesn't dare to really try fire.

When the old man carefully dried the banknotes, and then immediately took them to the bank to exchange the silver, the old man was completely relieved of the silver dollar banknotes.

Of course, it is not only the old man who found that the silver dollar banknote is waterproof, in fact, the Ming Dynasty is so big, there are always some people who accidentally seep the banknote into the water. Originally, although there was an introduction in the Daming Daily, saying that banknotes can be waterproof, the people were skeptical, but now the people believe it completely.

As the credibility of banks and the charm of paper money gradually became fully revealed, silver dollar notes of various denominations began to circulate.

In particular, merchants from all over the country began to settle with paper money, and paper money really circulated stably.

In the past, merchants often go out to do business, whether it is to buy and sell goods, are accompanied by a large amount of gold and silver, because the weight of real money and silver is not light, and it is not easy to take care of, merchants also often need to deposit real money and silver in the bank, exchange for money and silver tickets to be easy to carry, and the money bank charges a certain amount of storage fees and transportation fees, the price is often more than five percent of the silver price, it can be described as expensive, but compared to the businessman with a huge and cumbersome real money and silver around the business, that storage fee is still worth it.

Now, the world has changed, the silver dollar banknotes of the central bank of the Ming Dynasty can be exchanged for the equivalent of real money and silver without charging any fees, and for a while, merchants from all over the country will take out their silver money from the bank, and then deposit it in the central bank of the Ming Dynasty, and exchange it for the equivalent value of silver dollar banknotes in various places for trade, so that it can save five percent of the silver money compared with the silver bills of the bank.

With the large-scale circulation of silver dollar banknotes and the gradual improvement of the bank's reputation, people began to come to inquire about the storage business with real money and silver.

The so-called storage business, Zhu Cihe, according to the rules of the bank storage in later generations, improved it to meet the current needs.

Unlike the money bank, which also needs to deduct certain fees, there is no need to charge any fees for depositing money in the central bank of Daming, and the central bank will even pay two percent interest for those who deposit for more than one year.

When they knew this rule, the people were astonished, and did not it mean that if they had kept one tael of silver in the bank and then withdrawn it the following year, they would have received an extra twenty denarii, and there was such a good thing.

The people can't believe it, it stands to reason that if you save money for the bank to keep it, the bank doesn't charge a custody fee, and you even pay back the interest, such a good thing really seems a little untrue.

Thinking about it, the people feel that the bank is personally guaranteed by the current emperor and linked to the national treasury, no matter how the current emperor and the Ming Dynasty are so big that the court will not cheat themselves of a few taels of silver.

There are always some brave people in the world, after learning about the bank's storage business, they take some of the real money at home and start storing.

They received the bank's warm and attentive service, and soon, the people who came to store it got a passbook with the words "Daming Central Bank" printed on it.

When they opened the passbook, they saw that the depositor's name, place of origin, storage time, storage amount, passbook number, etc. were clearly written in the passbook, and through the bank's instructions, they knew that as long as they had this passbook, they could return here at any time to withdraw the money again.

Of course, which bank can only withdraw money in which bank, after all, the current technology of Daming is limited, and it is impossible to withdraw money in other places.

However, although it is not possible to withdraw money from other places, the people are also satisfied, after all, they cannot withdraw money from other places, and they can also take out paper money and take it with their bodies, which is also more convenient than the money bank.

With the passage of time, the banking business has gradually matured, and a large number of people are handling various businesses.

Similarly, as a large number of people deposited silver money in banks, banks issued more and more silver dollar banknotes, and gradually, a large number of transactions in the market were directly traded with paper money.

Paper money has become common knowledge, and many people come to the bank for loans.

For loans, the bank stipulates that there must be an equivalent mortgage, and after the review of the bank staff, as long as the examination is passed, the bank will immediately lend the loan, and then charge 8% interest per year.

Don't look at the 8 percent interest and think it's very high, in fact, if you go to the money bank to take a loan, or go to a loan shark, the interest required is at least 15 percent per year, then it is really unbearable.

As a result of the opening up of the loan business, the 19 banks gradually began to make some profits.

Of course, profit is secondary, and the most important thing is to contribute to the development of Daming.

Generally speaking, after the banking business matures, the people will deposit real money and silver in the bank or exchange it for silver dollar banknotes, the Ming court can print paper money according to the amount of real money and silver, the number of paper money can be at least twice as much as real gold and silver, the Ming court is like an empty glove white wolf, the original Ming treasury has a surplus of more than 400 million taels of silver, plus the people have saved nearly 100 million taels of silver one after another, the value of the banknotes that can be issued by the Ming Dynasty is more than one billion taels of silver, and there will be more and more in the future.

When the court has money, it will continue to invest in public business under the leadership of Zhu Cijiao, such as building bridges, roads, water conservancy, etc., which are not only beneficial to the people and the development of the Ming Dynasty, but also because they need to hire the people to participate, so it is also a way to change the money that the people have deposited in the bank and then return it to the people, and the people are using the money to consume, or then deposit it in the bank, then the money is equivalent to slowly flowing back into the hands of the court, so that it is difficult for the economy to prosper. The total economic volume of the Ming Dynasty will continue to expand in the process of economic prosperity, and finally achieve the ultimate goal of national wealth and people's prosperity, and the Ming Dynasty will become stronger and stronger, and finally stand firmly on the top of the world.