The ministers who opposed the opening of banks and mints by the imperial court went around, believing that the imperial court issued silver coins in exchange for silver from the people, and only eighty percent of the silver coins were silver, so they called on everyone to boycott the new currency. Zuo Guangdou was even more openly sarcastic: "Today's method of holding money is really a strong master and a better ancestor." ”

Many people listened to this statement, and everyone was ready to exchange silver coins for silver, and Wei Zhongxian reported the situation of the Dongchang investigation. After listening to this, Zhu Youxiao said lightly: "Leave him alone, there will always be times when they regret it." ”

The bank opened for two days, and there was not a single bird at the door, because the new coins had not yet come out. After the opening of the tenth, a large number of people poured into the banks to exchange silver and copper coins for silver. A team of brocade guards ran out of the bank first, and people lined up in order, and if they didn't listen, they would knock over with a stick and then drive them out of the gate. A large amount of Guanping silver is piled up on the counter, and it can be exchanged as long as you pay a handling fee.

On the 10th, ninety percent of the silver coins issued by the officials were basically recovered, and on the twelfth, the emperor decreed: in the future, the taxes of the northern Zhili will be collected, and the military salary will be paid, and silver coins and copper coins can be used. The Jingshi branch will set up a branch in each county of Beizhili to manage the exchange of coins. The fee for coin exchange has been reduced to one cent (one thousandth), and the silver-for-silver coin exchange is still free.

It was too late for the officials who came back after changing the silver, and although the money was not much, it was reduced by one percent all at once, and it was still very painful in my heart.

After such a wave, the new currency quickly became popular in Beijing, since it can be used to pay taxes, then of course there is no problem, especially the new currency is exquisite, and there is no need to be deceived because of the quality of silver, and the fool will not use the new currency. As for the original problem of eighty percent of silver, no one cares about it at all, and being able to pay taxes is the biggest guarantee. Zuo Guangdou has already taken sick leave, because he really has no face to see people.

On November 8, the Nanjing branch of the Ming Royal Bank was established, and at the same time, there were branches in all counties of Nanzhili, and the emperor decreed: Nanzhili tax collection can be used in new currency. Official salaries and military salaries can only be paid in Singapore dollars. The taxes collected by the tax authorities at all levels directly under the north and south are deposited in the Daming Royal Bank. The bank exchange fee is reduced to one millimeter (1/10,000), and there is also a charge for exchanging silver for new currency if it exceeds 10 taels of silver.

The change in the handling fee was formulated by Zhu Youxiao, and he felt that if people were fooled first, it should be able to deepen the memory, and then gradually decrease, as for why not even become no handling fee? And there is a fee for exchanging silver coins? Zhu Youxiao replied to Li Zhizao like this: "I'm afraid that some people will be idle and have nothing to do, and they will change every day, so you don't have to do anything else." ”

In addition, the bank has added two new businesses: storage and lending. One or two deposits, regardless of the amount of silver, can be deposited in the bank without charging fees. A deposit and withdrawal should be separated by at least one month, and if you want to exchange more than ten taels of silver for silver coins, you can exchange it without handling fees after three months of storage.

As for lending, the regulations are extremely strict. Need to have a mortgage, there is a guarantor, the interest can be divided into months or ten days, ten days is one cent (one percent), one month is three points, one year settlement, within one year, the interest is not repeated, more than one year, the interest of the previous year is calculated as the principal.

The first business was almost unattended, and the second was one that almost broke the bank's door. The interest on the loan for a year is only 306 to 309, and there is no rolling interest, which is simply charity compared to the money bank, so a large number of businessmen or people with urgent matters want to borrow. However, Zhu Youxiao told Li Zhizao that the most important thing in this business is to be safe, and he must first do a good job in the evaluation of the collateral, and the old officials from the household department have played an extremely important role, and he is busy like a spinning top every day, but the smile on his face is getting brighter and brighter, because the bank stipulates that they have an appraisal fund to get after every loan is safely repaid. However, they don't dare to accept the customer's red envelope, and they don't dare to mess around when they do, because the bank still stipulates that if the loan cannot be repaid and then finds that the collateral does not meet the appraisal amount, they will have to pay for it out of their own pockets.

On the morning of this day, it was a lively time, followed by a carriage followed by a carriage on Qipan Street, in front of the head office of the Daming Royal Bank, and the deep ruts of the carriage made the people around talk about it. There was a man next to him: "Isn't this Zhang Guozhang's carriage?" “

The sedan chair stopped in front of the bank, and a chief followed him and shouted to the doorman: "Zhang Guozhang has come to deposit silver, and the president is specially invited to receive him." When the people around heard it, they coaxed and talked more enthusiastically.

The people in the sedan chair also got off the sedan chair at this time, and a voice among the onlookers said: "It's really Zhang Guozhang." “

Someone immediately retorted: "It's as if you know Guozhang." “

The man was anxious and defended loudly: "My eldest uncle and Zhang Guozhang have worked together, and last time my nephew gave birth to a baby, I saw it at the banquet, why can't I know Zhang Guozhang." “

At this time, Li Zhizao hurriedly came out and greeted Zhang Guoji: "I don't know if the national uncle is here, the lower officials have missed the distance, forgive the sins, forgive the sins." “

Zhang Guoji took Li Zhizao's hand and didn't let him bow down: "The president's words are serious, the emperor rewarded the Han family with some silver last time, and it is useless to put it at home, I heard that the bank can help us keep the silver, and we don't collect the money, so this is to trouble the president." ”

Li Zhizao thanked again and again, and invited the national abbot to enter, while the entourage moved down the silver boxes from the carriage, and the handymen in the bank came to help and carried them in one by one.

After this incident, the bank's storage immediately soared, and many people felt that Guozhang had deposited his money in the bank, so there was nothing to worry about, so he took out the silver hidden everywhere at home and deposited it in the bank. After Zhu Youxiao received the report, he praised Zhang Yan fiercely: "The queen's method is really wonderful!" Come on, you're done, kiss on the mouth. ”

Zhang Yan spat him and said, "It's out of shape again, why do they want to keep the silver in the bank?" In the end, it can't be in the bank? Is there a difference between saving and not saving? “

Zhu Youxiao didn't succeed, he was very unhappy, and pretended to be silent with a cold face. Zhang Yan was used to seeing him like this, smiled, stepped forward, kissed him lightly on the face, and then quickly fled before he hugged himself.

Zhu Youxiao smiled and said: "Silver must be used to be useful, piled in the cellar is the same as clods of soil, and although it is stored in the bank, it will not become bank money, but it is almost the same as the money in the bank." I'm really poor on money now, and I can't wait to kiss the two of them when I see money. In fact, he didn't really understand the meaning, but in the future, the bank would make a lot of money by saving money and paying interest, so of course he had to do it.