[Ran^文^Library][]. []. Opposite the bank is the Deyi Building, and after the opening ceremony, the guests were invited directly to the banquet in the Deyi Building. (Ran Library (7764))

There are a lot of guests this time, the entire box on the second and third floors is full of guests, Wu Zhi is in a good mood today, even the hall is open for free, everyone who comes in to congratulate, whether rich or poor, has a good sip of wine.

The whole proud building was suddenly full of people and was full of joy.

But the bustle of the proud building is a little small compared to the bank opposite.

After the bank opened, countless Qingzhou people who had been whetted by the previous hunger marketing suddenly rushed into the bank.

They all had money in their arms, and they were here to save it!

On the day of the opening of the bank, the deposit interest was also announced, and to everyone's surprise, the interest announced by the bank was as thick as 5 percent!

This means that they deposit dozens of dollars in the bank, and the interest for a year is enough for them to buy more than 100 catties of flour, or even more!

How can they not rejoice?

People feel that money at home will only attract thieves or give birth to patina, and not only will it not increase at all in a year, but it will even be lost, so even if the bank interest is not so high, they will keep their money in the bank.

Of course, there are also some people who have a wait-and-see attitude towards the bank, after hearing the bank's deposit interest and seeing hundreds of people rushing to squeeze into the bank deposit, they are also shocked, and they can't wait to run home to take out their money and run to the bank, for fear that the bank will not accept deposits if they go late.

It had only been an hour since the bank opened, and the scene was about to get out of control, but fortunately, Wu Zhi had the foresight to prepare a large number of personnel in advance to maintain order, and Song Jiang was sweating profusely in the hall to command, and the scene was under control.

Even so, the long queue to deposit money at the bank kept lining up from the bank counter window to the bank door, and from the bank door to the door of the tailor shop a mile away......

Everyone has a herd mentality, and once a situation is formed, everyone will have some IQ to be in a hurry...... You don't want to think about it, you all look at the high interest rate to save money, in case the bank collapses, then your money will not be wasted?

When a clever scholar told the people in line about this truth, the people immediately scoffed at him.

"Who is the Wuda official? Who is Song Jiang? Will their banks fail? Will it pit us for money? ”

"That's it! And there are many industries where the military officials make money! Even if the bank loses, it can't move his roots. ”

"I think you are jealous of the young and promising military officials! Let's play! ”

………

The scholar had no choice but to flee, and when he returned home, he hurriedly searched for a few copper coins, and also lined up at the back of the line.

"Cut!"

………

It seems that the people are not stupid!

They are so enthusiastic, not only out of coveting interest, but also out of trust in the reputation of Wu Zhi and Song Jiang!

The foundation of a bank is creditworthiness.

Song Jiang, the big shopkeeper of the bank, was busy in the bank with a group of younger brothers, while Wu Zhi was comfortably drinking and eating meat and bragging with the guests in the box of the proud building.

Now the interest level of Da Song Bank is less than half of the interest of the bank in later generations, which can be said to be extremely low, but the people have never seen this business model, and have never enjoyed the pleasure of making money without any risk, so they will be happy.

However, the interest on bank loans is nearly ten times the interest on deposits!

This is definitely a huge profit, Wu Zhi is so black-hearted, it is estimated that he will be arrested by the people's police and sentenced to confiscation of property and labor reform!

In fact, it's not Wu Zhi's black heart, it's only five wen interest, which is already lower than the overall level of private private lending, not to mention that there are people borrowing money from usury who don't spit out bones, let alone Wu Zhi's bank.

Of course, the interest on this loan has not been announced, and ordinary people do not care about this, they only care about the bank not missing their own money and interest, just like the common people who went to the bank to deposit money in later generations, they do not care at all how much money the bank can make with their deposits.

Therefore, Wu Zhi's bank is not afraid of the people coming to deposit and eat interest, the more people come, the huge amount of deposits, Wu Zhi is happy!

Even if no one comes to the bank to borrow money for the time being, Wu Zhi is not worried, he himself is the bank's biggest customer, the construction of Qingzhou College, the rapid distribution of liquor, the continuous expansion of oil mills and restaurants, and the future of banks will also bloom everywhere in the Great Song Dynasty...... The funding gap in these industries is very large, and the people of Qingzhou may not be able to save enough money for martial arts!

Of course, these industries are all profiteering industries that are worth investing heavily in.

………

After all, there is no computer in this era, and account management depends on manpower, so in order to reduce the amount of calculation and avoid confusion, the bank only accepts more than 10 silver savings.

Moreover, the amount of the deposit must also be a whole ten, for example, if you have 25 yuan, the bank only accepts the deposit amount of 20 yuan, and the remaining 5 yuan will not be accepted, or you will not deposit, if you want to save, you will make up another five.

…… Everything is based on the convenience and speed to improve the efficiency of the bank.

After all, it is ancient times, and although some restrictions have to be made, it does not affect the normal operation of banks.

As for the people's deposit certificates, the name given by the bank is "silver bill", and this name is naturally taken by Wu Zhi.

Also for the sake of convenience and simplification of the bank's workload, the deposit certificate of the Great Song Bank has no account name restrictions, and the time amount and interest are printed on the bank, and anyone can come to the bank to withdraw money as long as they hold the real silver bill.

Of course, for some large accounts, the bank still has the procedures for opening an account, and when the large account comes to withdraw a huge amount of money, the bank will still carefully verify the authenticity, so as not to be fraudulently claimed by others.

One of the main functions of a bank is to ensure the safety of customers' property.

There are two kinds of silver bills, one is dead, one is current, the rules are the same as later generations, you can go to the bank at any time to exchange money, but the current silver ticket of the Great Song Bank is not interested, just to help you keep the money.

The death period is a deposit with a term of years and months, and there is interest, but if you withdraw it in advance before the time comes, it will be calculated according to the current account and there is no interest.

The reason why Wu Zhi set such a rule was that the citizens of the Song Dynasty were relatively wealthy, and saving some spare money for the death period would not delay their daily expenses. In this way, the bank will be able to fix the people's money and facilitate the rational planning and use of the funds in the bank. And in case there is any big change in the future, people flock to withdraw money, and the bank will not have much loss.

Second, there is only an amount on the current bill without interest, which facilitates circulation!

In the final analysis, Wu Zhikai's biggest ambition is to finally let the Great Song Bank form an authority and hold the power to print banknotes!

Just like the central banks of later generations!

With the power to print money, there is nothing more wonderful in the world for a businessman!

When the time comes, Wu Zhi, the big boss of the Great Song Bank, and Song Jiang, the big shopkeeper of the Great Song Bank, will stomp their feet casually, and the entire Great Song Dynasty, whether it is the people or the court, will shake.

Of course, if they want to develop Da Song Bank to that point, Wu Zhi and Song Jiang still have a long, long way to go, and there must be many difficulties on this road, and there are even many almost insurmountable obstacles, everything depends on them working together to break a golden avenue!

And Wu Zhi's first step is an interest-free silver ticket.

It won't be long before the bank's credit is trusted by the people, at least within the boundaries of Qingzhou, the lighter current bank notes will be completely traded as a commonly recognized currency!

These silver bills are genuine coins deposited by the people in the bank, and the government is not easy to interfere with the small circulation of silver bills.

Although the amount of silver bills is very large, and the minimum is ten times, which can only be used for large-scale transactions and circulation, and it is difficult to popularize among the people, it also lays the foundation for banks to issue small-denomination silver bills in the future.

At present, Wu Zhi does not plan to popularize silver tickets among the people, not without conditions, but without dare.

If the printing of small silver bills is popularized among the people, it is a matter of national capital, then Wu Zhi, the Great Song Bank, will be targeted by the imperial court in an instant, but I am afraid that the fate will be the same as the previous brewery formula, even if it is not forcibly taken over by the imperial court, it will be greatly interfered with by the imperial court.

Until Wu Zhi is not strong enough and the bank is not bound to the interests of more powerful people, Wu Zhi will never take risks.

At present, banks are only engaged in the business of deposit lending, and the deposits have interest, and the interest rate of lending is also very low, and it will not disturb the society, and it can also promote the commercial development of the Great Song Dynasty, and the bank is not something that ordinary people can operate...... The imperial court will not interfere in the future, and there is no way to interfere.

After the people got the silver ticket of the Great Song Bank, they were full of joy, and they were also cautiously asking, with the silver ticket, they could directly come to the bank to withdraw cash, so is the silver ticket safe? What if someone comes with a forged silver ticket to withdraw money?

In this regard, Song Jiang, who was fighting with the crowd in the hall, smiled confidently, patted his chest and assured the people that the silver ticket has a special anti-counterfeiting mark, and it is difficult for others to forge it, so everyone can rest assured.

With the guarantee of Hubaoli Song Jiang, the people suddenly felt a lot more relieved.

"Hu Baoli" is the new nickname given to Song Jiang by the people after Song Jiang became the president of the bank, and only changed the original Hu Baoyi to one word, which suddenly made Song Jiang and the president more appropriate.

It expresses the people's yearning for interest......

Regarding the anti-counterfeiting of bank bills, not only Song Jiang has full confidence, but Wu Zhi is also completely assured.

First of all, the printing field representing the top technology of the Great Song Dynasty is in the hands of Wu Zhi, and there are first-class carvers such as Jin Dajian, a jade arm craftsman, who is also here in Wu Zhi.

The paper of the silver ticket is the toughness paper specially made by Liu Anjia Paper Mill for the bank, which is extremely thin and tough, and after being sent to the printing field, the steel stencil made by Jin Dajian is used, and the two stickers are printed once, and there is a special pigment in the middle of the two papers to prevent counterfeiting.

After the silver ticket is out of the printing field, it is difficult to imitate, and when it is finally handed over to the depositor by the bank, it must be stamped with a special anti-counterfeiting seal made by Jin Dajian, which is not an exaggeration to say that it is foolproof.

In fact, the level of science and technology in ancient times is not as developed as in the 21st century, everything can be forged, and the counterfeiting technology is sophisticated. In ancient times, even after the appearance of banknotes and silver tickets in the Ming and Qing dynasties, there were few forgeries, and even if there were, it was easy to be seen through.

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