At this time, everyone calmed down and understood that coinage is indeed profitable, but it is also difficult to make profits, but it is just an attic on the beach, a pie hanging in the sky, and it is impossible to achieve it.

As a result, when he looked at Mao Yulong, the little guy was carelessly following a crab against him, and the two sides were very happy.

Among the other four, they make money in different ways, which determines that they are not too sensitive to silver.

For example, the eldest brother Wang Zuoren is an honest and step-by-step person, he originally made money, and what he earned was hard-earned money. The third brother Zheng Hongda, the way he makes money is by virtue of his connections, everyone is cheering, he can make money, but he definitely doesn't make much money. Song Yuanshan is worth millions, but that's not his, besides, the money he earns is the inheritance left by his ancestors, he doesn't make money at all, he only spends money, and he is simply immune to money.

There is only one Xu Jie here, it is really the money earned by hard work and calculations, only he relies on his own ability, from a grain store left by his ancestors to a chain in Hangzhou, so he is really the most sensitive to money. From Mao Yulong's unscrupulous battle with the crab, he immediately smelled the smell of silver.

So he flattered Mao Yulong and begged: "Don't eat it first, just tell me what way you have to get money, to be exact, how should we get capital?" ”

Seeing that all eyes were on him, Mao Yulong wiped his mouth with a tablecloth, and then easily threw out his next target: "Qian Zhuang." ”

As soon as this term came out, everyone's eyes lit up, but their interest was not raised.

Money banks were not uncommon in this era, but Mao Yulong's money banks were closer to modern banks.

In ancient times, the "bank" made the difference by investing or borrowing money that you had stored there.

Modern "banks" have many ways to make money, such as transferring money to other banks, remittances, small account management fees, annual fees, the difference between loan interest and deposit interest, providing investment and wealth management services, cooperating with real estate developers, and so on.

A very common truth among them is to make money with other people's money. Because of the high stability and convenience of the bank, many people are willing to give them money.

The difference is that modern "banks" make money by providing other services. Such a phenomenon rarely existed in ancient money banks.

"Of course, if you want to realize the way I said that the money bank makes money, it is not realistic now, because now we don't have the money bank network, so we have to come step by step. But now that we have a plan, a direction, and a way, sooner or later we will achieve that goal. ”

"Your plan won't work." The voices of the two people sounded together, and Mao Yulong looked over, but it was Xu Jie and Song Yuanshan.

Song Yuanshan hurriedly said: "My family has a money bank, so I said that your method will not work." ”

Mao Yulong asked lightly: "Why doesn't it work?" ”

Song Yuanshan said: "Let's not talk about future development, that's a matter for the future." According to what you just said, it is not realistic now, it will take at least 10 years of development foundation, but just establish this money bank to achieve our goal of collecting private money, your method will not be able to achieve it. ”

"How so?"

Song Yuanshan explained openly: "Now that the people of the Ming Dynasty are wealthy, there is no doubt that the grocery store in front of the city gate cave has at least 10,000 silver in storage. But now people have a habit of not exposing their wealth, and people are accustomed to burying the silver they get in the ground, and they are not willing to show it at all. ”

Mao Yulong admitted that the historical habit of the Chinese is to hold the silver in their own hands, bury it under their own bed, and lie on it to feel at ease, and it is not at ease to put it in the hands of others. As a result, a strange phenomenon was caused in the Ming Dynasty - that is, soon after the Ming Dynasty really used silver as a currency in circulation, countless amounts of silver flowed into the Central Plains Dynasty from overseas every year, but with the increasing circulation of silver, with the germination of capitalism in the Ming Dynasty, there was a silver shortage, that is, a money shortage. This is a very serious obstacle to the rapid development of the Ming economy. This phenomenon is not only unique to the Ming Dynasty, when it was in the Song Dynasty, due to the very large circulation of gold in the society, the trade volume of the Song Dynasty ranked first in the world, forming a foreign trade surplus that could not be shaken. If you think about it, a silk pulled out by a worm can be exchanged for equivalent gold, a handful of exquisite porcelain fired from clay can be exchanged for gold a hundred times more valuable than itself, and a piece of paper made of reeds and bamboo can be exchanged for the same real gold and silver. So there was a gold shortage throughout Europe. Europe's great monarchs (the equivalent of city mayors) were not allowed to fund adventurers to go overseas in search of gold, which was the driving force of the Age of Discovery.

The current Ming Dynasty, there is such a situation, not that there is not enough silver inflow, but that the inflow of silver has been buried in the ground by those people, for a simple example, after Li Zhicheng entered Beijing, he used the method of testing officials to get 80 million taels of silver at once, which is enough to show the huge amount of silver hidden.

"Another point, the current money bank deposits silver, is to pay a high storage fee, pure 100 taels of silver, 10 years later may only be left 50 taels, who does such a stupid thing?" Xu Jie continued.

"In addition, the people think that if they store their silver in you, and as a result, if you fail to lend, everyone can only stare at each other, and there will be no return, and the collapse of the money bank abounds, which has made the people suffer enough, so it is simply not feasible for us to use this method to collect silver and mint coins." Zheng Hongda finally made a concluding statement.

"Is it all over? Have you all finished talking? Mao Yulong smiled and asked a few people. Everyone nodded silently.

"Then I'll tell you about our bank's approach." Mao Yulong began to talk about his own methods.

"First, we want to dispel the people's scruples about us, for fear that we will go out of business and make the people lose their money, so I suggest that we use our Sanyi Newspaper House, the eldest brother's Xu Ji Grain Store, and the third brother's restaurant."

"And in the name of my Song family." Song Yuanshan actively joined.

Mao Yulong waved his hand: "Brother Yuanshan, forget it, your Song family's name is indeed a golden signboard, but what excuse do you use to talk to Song Jia?" If you say what we do, you will become our traitor, our brothers will never let you live past the present, if you say it in the name of making money, don't say that your family does not need you to make money, their investment in you is to make you an official. Besides, we are not lending money this time, so there is no clear benefit to share the profit for you at all, what do you use to block your family's mouth? Another point, your family originally had a money bank, which was issued gāolìdài, and we are building such a money bank, in fact, on the surface, it is to compete with your family, so it will not be passed at the meeting of your family elders, who would be stupid enough to contribute and not please cultivate an opponent? ”17

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