The bustle brought by the opening of the Qianzhuang General Account in Keelung Town lasted for more than a month, and it was not until it entered the late spring that it gradually calmed down.

In the meantime, in five important cities such as Yuegang, Fuzhou, and Hangzhou, branches of Nanyang firms have also been established and gradually opened.

No one can believe that the original money bank, whether it is saving, borrowing money and cashing money, will now be broken by Nanyang money bank, as long as the money is deposited in the bank, there is silver money to take.

In addition to the merchants who went south and north, because they needed to move around the country and buy goods and materials, in order to avoid the risk of being intercepted and killed, they were more willing to spend some money to handle the acceptance business.

As for the money in the hands of other landlords, gentry and ordinary people, they are far away from putting it in their own cellars or burying it in the corners of their houses, and they are not willing to take it out and put it in the bank, because they have to pay the storage fee, and you are also worried about whether the money will be coerced and escaped.

Ordinary people in this era generally have no economic consciousness, and only the money in their own hands is the safest for them!

Therefore, although five cities such as Yuegang have opened branches of Qianzhuang, except for the Nanyang Chamber of Commerce, or those merchants who have exchange business needs and are full of confidence in the main shareholders of Qianzhuang such as Hongmen, will handle business in Nanyang Qianzhuang, few other people will handle the deposit and exchange business, except for Dayuan Island, the base camp of Hongmen.

The influence of Hongmen on Dayuan Island in this land was not highlighted until this moment, so to speak, everyone may have known that there is a supreme existence of the Ming royal family before, but under the operation of Hongmen for many years, as long as the people who have stayed on Dayuan Island for more than five years, basically every household has less awe of the Ming Dynasty royal family who is thousands of miles away, but is more loyal to Hongmen Li Tian to raise them!

This is determined by the happy life brought by Hongmen, the influence of the Ming Dynasty in Dayuan Island can almost be said to be none, although Bengang County and Keelung Military Town were set up, and even Li Tianyang hung the hat of the Admiral of Fujian Navy, but the land that the people are cultivating now, the materials they enjoy and their work are all provided by Hongmen for them.

Not to mention that Hongmen is now pulling the high and mythical imperial power into reality through operas, dramas and other forms, and through the mediocre, cowardly, and incompetent "former dynasty" emperor roles, let everyone understand that the original emperor is just a person, where is the son of destiny!

Combined with their original displacement for various reasons, and finally forced to leave the land of Dayuan Island to start a new life, naturally, they will link their tragic experience with the officialdom of the Ming Dynasty, and it is not difficult for them to start raising the voice of doubt about the corruption and incompetence of the Ming Dynasty officialdom!

Therefore, when Hongmen's own money bank was converted into share capital by Li Tianyang and merged into the Nanyang Chamber of Commerce, the silver money savings business they introduced soon spread throughout Hongmen's control with the help of the Hongmen Basic Organization Neighborhood Committee.

The first people to eat crabs are not the Ming people who look smarter, but the natives who look a little stupid and stupid in the fight.

The aborigines may not have a deep understanding of Chinese culture, but at least among the current generation of hardcore aborigines in their prime, they still retain the simplicity of many of the original aborigines, as well as a high level of trust in those who value them.

When the aborigines learned in detail about the benefits of the deposit procedures from the salary card staff of the neighborhood committee, when other Ming people who thought they were very smart were still hesitating, those who had settled in the Hongmen territory or often worked in Hongmen returned home, and they came to the location of the Nanyang Money Village with the silver dollars they had worked so hard to transfer, and went through the account opening procedures on the spot.

Anyway, for the indigenous people, the monetary value system itself is a new thing, and everyone's role in silver money is gradually understood after dealing with Hongmen, and it is not difficult to continue to accept a monetary savings system now.

Needless to say, this can also bring additional interest, although it is not very high, but these silver can not give birth to cubs at home, it is better to believe in the great Li Tianyang chieftain and continue to make money in the money bank.

In order to open up the savings system, Li Tianyang actually set a higher interest rate on savings at the beginning, at least higher than that of the later banks.

The annual interest rate of current savings is 6%, and the annual interest rate of regular savings has reached 8%, which is not a loss at all for the newly opened Nanyang Bank.

You must know that as early as not long after the opening of the bank, the money lending business of the bank has exploded in batches.

Among them, the members of the Nanyang Chamber of Commerce account for the vast majority, as mentioned earlier, in order to be able to get a piece of the pie in the money bank, many small and medium-sized businesses have borrowed usury to raise equity capital, and now that the money bank has been established, they naturally need to borrow money from the money bank to repay the loan shark.

The members of the Nanyang Chamber of Commerce alone have borrowed nearly 4 million taels of silver from the bank, which is almost 2/3 of the capital of the entire bank, and its annual interest rate is 15%.

Don't look at this interest seems to be very high in later generations, but in this era of the universal law of the usury industry, this is simply a cabbage price, not only in the members of the Nanyang Chamber of Commerce really sought after, but even among the other five money bank branches such as Yuegang, this is also the only item that is sought after by other customers.

However, it is not easy to really want to borrow money than loans, and the reason why most of the money is loaned away by the members of the Nanyang Chamber of Commerce is naturally because they know the roots, and they have shares such as money and gold mines as collateral, so everyone is not worried that the other party will borrow money and run away.

But it's not so easy for others to borrow, and in this era of inconvenient transportation and fatally flawed hukou policies, you can't chase a fugitive who wants to hide.

Therefore, the usury interest rate that has become the norm in this era is also because everyone wants to reduce the risk of a powerful means.

However, Nanyang Money Bank has lowered the loan interest rate so low, they naturally have to control the risk at the lowest level, which makes the speed and scale of external lending much smaller.

In addition, at this time, the savings business has not been recognized by the people, and the capital of the newly established Nanyang Money Bank is really not rich enough, in addition to the four million taels of silver lent out, the remaining more than two million taels of silver, the money bank can not be lent out!!

However, as the people on Dayuan Island, driven by the natives, gradually got rid of their worries about the location of the savings business, the money bank's funds gradually increased.

I don't know if I don't see it, but after the people of Dayuan Island accepted the concept of savings, Li Tianyang and them understood how rich the people under his command were!

Four months after the opening of the bank, the total amount of funds absorbed by the bank's savings business on Dayuan Island, such as Bengang and Keelung Town, reached one million taels, and it was even richer than some small businesses of the Nanyang Chamber of Commerce.

But Li Tianyang thought about it carefully, but he felt that it was a matter of course.

Over the years, the silver money that Hongmen has earned from the outside can be said to be millions, and more than half of the local funds have fallen into the hands of the people under Hongen's command by employing workers and harvesting materials.

At the beginning, the people were able to receive between ten and twenty acres of land from Hongmen, although these fields were also exchanged for cultivating more wasteland and paying silver in batches in the next few years, but in fact, the amount of silver money that everyone needed to spend on the fields was almost nothing.

Dayuan Island under the command of Hongmen, except for the government, is not allowed to sell or reclaim wasteland privately, and the land of each household is distributed in an orderly manner according to the number of heads.

And the daily expenses, for the people who have houses and land on Dayuan Island, it is really very few: buy a few new clothes for the New Year's holidays, buy a dowry for children's weddings, etc., etc., and then consume money, but it can't stand more money-making businesses on Dayuan Island, and any ordinary job on Dayuan Island has a salary of at least thirty taels a year!

Don't forget, there are countless workshops and factories on Dayuan Island, and the vast majority of occupations in the inland of the Ming Dynasty can only be made by men, but too many jobs on Dayuan Island are no longer limited to men, giving women under today's status a platform to make money.

As long as you are diligent and hardworking, under the command of Hongmen, a normal family of five will have at least two people who can work, that is to say, they can earn more than sixty or seventy taels per year just from work.

Catch up with the technically demanding jobs, the salary is doubled, so why can't the people under Hongmen get rich.

In three or four months, the savings funds absorbed from Dayuan Island alone have reached one million taels, which is something that other shareholders of Qianzhuang never thought of, and when these funds are gradually transformed into the chicken that lays eggs, they can sit and earn money without the shareholders paying their own money, which makes everyone full of expectations for the future of Qianzhuangdi!

The non-local ticket business is also in full swing, thanks to the fact that Keelung Town has always been open to the outside world, and there are countless maritime merchants from all over the world who come to Dayuan Island to purchase and sell goods.

Although the current Qianzhuang is not as big as the major cities in the Ming Dynasty, nor can it extend its tentacles to the distant western countries, but the distribution range of Manila Castle in Luzon in the west and Jiangsu, Zhejiang, Suzhou and Hangzhou in the east is enough to bring a good experience to the maritime merchants and reduce a lot of risks for them.

Moreover, there is no need to pile up a lot of money in the warehouse, and everyone can also purchase a batch of goods to go home on the way back, so that you can make an extra profit, why not!!

In half a year, the business volume of Qianzhuang Land gradually got on the right track, and with the gradual recovery of batches of short-term loans, the income on Qianzhuang's books also turned from a loss at the beginning to a profit.

The only fly in the ointment is that the development of the savings business in the five major cities of the Ming Dynasty is still tepid, which is completely different from the fact that it has been regarded as a common thing on Dayuan Island.

No way, the inherent concepts of the common people have never been so easy to be reversed, not to mention that the children of China have never been a radical nation, and they want to change the views of the public.

"This time, there is really Brother Lao Jingqi, and the younger brother will have a good reward in the future!!"

In the inner house of a company named Fengji in Yuegang, a familiar face was sitting on the guest seat, clasping his fists and thanking a stranger on the main seat.

Yuegang is one of the most powerful places in the Nanyang Chamber of Commerce, in addition to the influence of each chamber of commerce in their respective Laochao counties, it is also the most powerful chamber of commerce in this city.

Without him, whoever let the members of the Nanyang Chamber of Commerce all started by running to the sea, and basically opened a shop branch or relationship network in Yuegang, a rare foreign port in the Ming Dynasty.

And Hongmen's influence in Fujian officialdom and dominance on the sea also happen to cover this range, and years of business penetration also have a certain influence in Yuegang.

"Brother Yingcheng, why do you want to see outside, we have been friends for decades, if you hadn't lent me three thousand taels of silver for emergency relief, where would I still have my status today! With the help of something outside the body, as long as Brother Yingcheng you speak, I will never say anything! ”

The person who is called Brother Jingqi is a businessman who was born and raised in Yuegang, and in the hearts of the locals of Yuegang, he has a strong legendary taste, from a coolie with his bare hands to more than 300 hired construction site firms, which can be said to be a clear representative of indignation.

"Then I've been here for a long time to thank Brother Jingqi, and I might as well come to my small shop when I have time later, and my pickpockets will live here in Yuegang in the future!"

The person called Brother Yingcheng is one of the members of the Nanyang Chamber of Commerce, and he came to visit Yu Jingqi this time, but he has an important task.

"It must be, it looks like the two of us will finally be able to get together more in the future!!"

Yu Jingqi laughed, and seemed to be happy that her old friend lived in Yuegang from the bottom of her heart!

The same scene is played in many places in Yuegang, but the protagonists have changed, either high-ranking officials, or village gentry and landlords, or local famous tyrants, the only common thing is that the people who visit are all Nanyang Chamber of Commerce landlords or shopkeepers.

(End of chapter)