The issuance of banknotes is a matter of course, which should be sponsored and issued by the imperial court, but the Great Qin Empire must not be able to see the long-term benefits of issuing banknotes, and the people may not be willing to believe in the imperial court.

Therefore, the people's trust in the imperial court may not be higher than the trust in businessmen, after all, in many aspects, the integrity of businessmen is still relatively high, how can businessmen without integrity become bigger?

And the Imperial Bank's issuance of banknotes at the expense of its own interests, the imperial court is even more unlikely to do so, as long as people with a little brain know how much the loss of the Imperial Bank's issuance of banknotes has been in the past half a month.

For this reason, Huang Shouye's father and daughter both found Yang Dewen to raise objections, and immediately stopped this behavior of drinking doves to quench thirst, otherwise if it continues to be issued like this, sooner or later the Imperial Bank will close down.

People like Huang Shouye can occupy half of Mingzhou operated by Huang's Qianzhuang, and in many states and counties in Daqin, there are branches of Huang's Qianzhuang, or cooperative merchants, it can be said that Huang Shouye is the elite of this era, and Huang Ruonan is recognized as a talented woman in this era, and she is the first to see the huge benefits of issuing banknotes.

After all, they don't know how crazy the development of the banking industry in the 21st century is, and the financial industry has become the pillar of social development.

But they can't be blamed, after all, they live in the current era, not the 21st century.

Although it is still in a state of loss in the matter of issuing banknotes, the number of people who come to the Imperial Bank to deposit money is increasing day by day, which makes Yang Dewen very happy.

Compared with Yang Dewen's optimistic attitude, Huang Shouye's father and daughter are obviously unable to do it.

"Virtuous nephew! The more people who deposit, the more money we save, the more interest we will have to pay for it in the future, and the old man really doesn't understand why you are so happy. Huang Shouye said with a frown.

"Uncle Huang, you are the one who opened the bank, did someone want to go to your bank to deposit money before, but you are still not happy? Aren't we who open banks just want more people to save money? Yang Dewen looked at Huang Shouye with some amusement and said.

"Can this business model of the Imperial Bank be compared with those of the previous banks? When the money bank collects cashiers when it comes in, not only does it not have to pay interest, but it even charges some storage fees, so of course, the more people who save money, the better! ”

"Since this is the case, then from tomorrow, stop the subsidy to the merchants, as for the people who exchange gold and silver for paper money, do not stop for the time being, and post a notice in the business hall of the Imperial Bank, the preferential period will end on the 28th of the lunar month, and the annual holiday will begin on the 29th of the lunar month, and after the market opens on the seventh day of the first month of the new year, gold and silver will be exchanged for paper money, and they will no longer enjoy preferential benefits." Yang Dewen thought for a while and said.

With the subsidy for merchants, many merchants are becoming more and more lazy to come to exchange gold and silver, and more merchants have begun to take paper money to the bank and deposit it directly.

At the same time, the Imperial Bank has also developed a set of preferential loan interest rates. It is mainly aimed at short-term loans.

If you borrow 10,000 taels of silver, you only need 5 taels of silver a day, and 1,000 taels of silver is only 500 taels of interest a day. If you only borrow 100 taels of silver, you will only have 1,500 yuan of interest a month.

Compared with the usury that was popular in some money banks and pawnshops in this era, it was really a conscience price, and more importantly, these short-term small loans were still loans that did not require collateral.

For a large amount of commercial loans, of course, there will be other preferential measures.

Not only that, Imperial Bank also vigorously supports entrepreneurship, encouraging ordinary people to start businesses in the mode of families and individuals, and operate small businesses such as opening shops and stalls.

In this regard, the interest rate given by the Imperial Bank is very low, almost the same as the interest on the deposit, but everyone only enjoys one such opportunity, and must also submit a business application, to explain the purpose of the loan for this application, so that the Imperial Bank can review, this is actually a way to improve risk control.

Yang Dewen's whimsical ideas always made Huang Shouye's father and daughter incomprehensible, since it was a loan, there would always be risks, so now the Imperial Bank is lending out with the interest on the deposit, showing that there is a loss of 100%.

Of course, Yang Dewen knows this truth, but he has no good way, only when the economy develops, the bank can be promising. And many of these things should be made by the imperial court.

If everyone is just having a meal and is not interested in doing business, how can the economy prosper and develop?

In fact, many people also want to do business, but it is difficult to accumulate the principal in their hands, and it is really not cost-effective to borrow usury to do business.

The low-interest loan method launched by the Imperial Bank has made many people's hearts flutter.

As long as you find a way to make up a part of the principal, you only need to borrow a part of the small interest loan, you can try to do some business on your own, even if you fail, it is within the range you can afford.

But what if it succeeds? , wealth, mansions, beauties, all these things are at your fingertips.

But what kind of business should be done? Just when everyone feels a headache and is very upset, the Youranju Charity Foundation has launched a chef cooking training academy, which can teach you how to cook various dishes in the VIP building for a little tuition.

After learning, if you don't want to start your own business, you can go to the VIP building to apply for a job as a chef, and you will have the opportunity to work in the VIP building in the capital.

If you're ambitious enough, you can apply for a loan from Imperial Bank and start your own small restaurant with little to no risk.

In order to expand the VIP building, it needs not only a large number of chefs, but also a large number of service personnel, as well as managers such as foremen, who must be systematically trained.

Since it is to carry out unified system training, Yang Dewen also intends to completely improve the management of the VIP building and implement standardized management, and this step will have to be taken sooner or later.

Manpower will eventually run out, not only in VIP buildings, but also in Imperial Bank, and leisurely living will certainly be no exception.

If you want to achieve rapid layout and expansion, it is definitely not possible to have available talents, and it is even more impossible without unified management and standardization.

So for a while, all kinds of recruitment and training advertisements were posted everywhere in Mingzhou City.

Whether it is the Imperial Bank, or the VIP building, or the leisurely residence, the treatment and benefits given by the three are quite good, so they attract a large number of people in Mingzhou City to enthusiastically sign up for employment and training.

Before the New Year, the sales of New Year's goods in Mingzhou City soared, and the commercial economy was active.

Before the Chinese New Year, the Imperial Bank produced a large number of red envelopes and sent people to the streets to publicize them.

The slogan of the propaganda is, press the New Year's money, use red envelopes, and red envelopes are filled with imperial coins.

In the past few thousand years, ordinary people have little money at home, and they can make children happy for a whole year by giving a few copper coins as New Year's money.

Some wealthy families give the children of those relatives New Year's money, where can they give it? It is also a trouble to give too much gold, silver and copper money.

Even if there is a silver ticket in the back, some rich and noble families use the silver ticket as a New Year's money for their children.

In fact, in the end, those silver tickets will be taken away by adults, because usually the smallest denomination of silver tickets is also one hundred taels, and it is definitely not appropriate for children to use them.

But this year, if you use the red envelopes pushed out by the Imperial Bank and wrap them in banknotes, it will be really very convenient, practical and good-looking.