Su Ziheng pondered for a moment, tapped his fingers on the table, and made a rhythmic low sound. Seeing this, everyone was silent, knowing that this was the thinking habit of Lord Changshi, so in order not to affect his thinking, they all stopped talking to each other, wanting to hear if he had any good solutions.

You must know that financial problems have always been the most troublesome thing for all governments, and if one is not handled well, it will cause a catastrophe. No one wants to see the thriving Donghai Mansion fall into trouble because of such a thing, after all, this is a great situation that everyone has worked hard for a long time to create.

After a long time, Su Ziheng let out a long breath and said in a deep voice: "Originally, I thought that it would be a few more years before I encountered such a problem, but I didn't expect this situation to occur before it was a year, and it seems that our development speed is still very fast." If we want to solve the problem we are encountering in front of us, we can open a bank, so that both the problem of insufficient circulation of copper coins and the quality of copper coins can be effectively solved. ”

"Bank, what's that?" Everyone looked at Su Ziheng and asked curiously.

"Bank, that's a bit complicated to explain." Su Ziheng frowned, but quickly relieved himself and smiled: "You can understand it as an institution similar to Qian Zhuang. ”

"Similar to the bank? But the money bank can't solve this problem we encountered. A bank is only a lot of copper coins, not even one-tenth of the amount of our government treasury, but it is just a drop in the bucket. ”

The person present who dealt with Qian Zhuang the most was Zhao Wan'er, and she knew the operation model of Qian Zhuang best. Hearing that the bank that Su Ziheng wanted to open was similar to the money bank, he knew that this method was a bit undesirable.

Zhong Chengda also nodded and said: "Yes, Lord Changshi, the money village is full of large silver tickets, and we are not short of silver now, what we lack is scattered copper coins." ”

"Don't worry, listen to me in detail." Su Ziheng explained with a smile: "I'm talking about similarity, not Qianzhuang. The biggest difference between a bank and a bank is that it not only has all the functions of a bank, but is also more complete and diversified than a bank. ”

"For money banks, the most used are merchants. For the convenience of trading, merchants do not need to carry a large amount of silver to trade, but store the silver in the bank and exchange it for silver tickets, which is convenient for walking around and doing business. After the merchant exchanges the silver for a silver ticket, he needs to pay a storage fee to the bank. Therefore, ordinary people are reluctant to deposit their money in the bank. ”

Zhao Wan'er couldn't help nodding and said, "That's right, the money village generally collects large amounts of silver and gold, so it's easy to keep." Copper coins are a lot of trouble, and they are not suitable for making copper tickets, and the cost is too high to be cost-effective. Moreover, because ordinary people have to use copper coins every day, it is inconvenient to trade after changing them into silver tickets, and they have to pay a lot of storage fees to the bank, so naturally no one is willing to take the copper money to the money bank for storage. ”

"Not to mention ordinary people, as far as I know, even large families rarely store their money in the bank. Only merchants who were going to do business in other places would save their silver in the bank, so as to reduce the trouble of carrying it. ”

"Smack!" Su Ziheng snapped his fingers and said with a smile: "Wan'er is right, it is precisely because of all kinds of inconveniences in the money village that ordinary people are unwilling to use it, resulting in a large number of copper coins being stored in ordinary people's homes and unable to circulate. ”

"Now let me give you an example, if I open a bank, and everyone deposits money, no matter how big or small, I will not refuse to come, not only do not charge a storage fee, but also pay a certain percentage of interest to the person who deposited the money, are you willing to deposit money in my bank?"

Zhao Wan'er was stunned for a moment, then nodded hurriedly: "Of course I am willing, why don't you agree to such a good thing." ”

Many officials also nodded their heads one after another, indicating that they were willing to deposit money into the bank.

However, a few people hesitated: "If my house is full of copper money and the interest rate is not high, I may not want to go." Because what if I want to use the money urgently and can't get it out? ”

"Then if the money bank stipulates that you can access it at any time, and ensure safety, even if there is a loss, you will compensate in full, then will you go to save money?" Su Ziheng asked.

"Of course, I will save it, so that it is easy to use, and I don't have to worry about being stolen, so many benefits, why not use it? At that time, as long as the family has enough money for a month's daily life, the excess can be deposited in the bank. Those who were still a little hesitant agreed one after another.

"But in this way, how can you make money as a bank? Not only will they not be able to collect storage fees, but they will also have to pay the interest on their deposits, so they will lose a lot, right? Zhong Qinghan raised his concerns.

Su Ziheng said with a smile: "If you open a money bank, you will naturally lose money if you do this." But I'm going to start a bank, and in addition to taking deposits from the public, I'm going to make loans, I'm going to exchange money, and I'm going to be able to mint coins myself. ”

"Wait, I don't quite understand some things, I understand the deposit you said, and I can understand the minting of coins, but what does this loan and currency exchange mean?" The main bookkeeper, Zhong Chengda, raised his own questions.

Zhao Wan'er's eyes lit up when she listened, and she high-fived and said, "Good idea, why didn't I think of these two points?" It's just that there are a lot of loan sharks and pawnshops out there, and it may not be so easy to lend. But the currency exchange is really good, so you don't have to worry about the copper or silver in your hand is not in good condition, resulting in a loss. ”

Su Ziheng said: "Lending naturally has our advantages, first of all, our interest will not be very high, and it will be much lower than that of usury." Secondly, the money we lend is provided through deposits, which is equivalent to not much capital, and we are just acting as an intermediary guarantor in the middle. ”

"As for currency exchange, we will mint a new batch of coins at that time, including copper coins, silver taels and gold, and then issue paper money, which is similar to silver tickets, but it will be more convenient to use than silver tickets."

"But minting coins is a later thing, we will first open the bank, solve the immediate troubles, and then slowly expand the business."

Zhong Qinghan, Zhao Wan'er and the others nodded in agreement: "In this way, there is no need to worry about the lack of copper coins in the market." It's just that the government is going to set up a special department to manage this matter, or is it directly linked to the management of households? ”

Su Ziheng thought for a while and said, "Let's set up a new department, don't link it to the house, so as not to involve the accounts." Moreover, it is forbidden for any government office to embezzle funds from the bank at will, and it is necessary to ensure that every money and expenditure that enters the bank is well documented. ”

If there is a problem with the bank, and the people's hard-earned money is gone, the consequences will be very serious.