The money bank lowered its noble stature and abolished the money deposit fee like the small money bank run by the Jews, which had a great impact.

The first is to let the old dog Jia in Lin'an City lie down.

At that time, Jia Laogou and his group were discussing with the Empress Dowager Xie about opening a Great Song Dynasty royal money bank------ and they had already cleared the door, so it should be easy to open a money store that was larger than it.

The credit business has been developed in the Great Song Dynasty for hundreds of years, and even the Empress Dowager Xie understands it.

A few words.

Previously, Da Song's credit business was divided into government lending and private lending.

Government borrowing is mainly in the form of loans, which help people survive their difficulties by lending food or seeds in case of emergency.

Private lending is mostly usury, which can solve the problem of serious shortage of funds for ordinary people caused by social differentiation and "money shortage", and meet the needs of special payments and urgent needs.

Pledge and mortgage are forms of loan guarantees, which are operated by institutions such as pledge and unwarehousing.

The pledge is a security for movable property, and it must be transferred to possession of movable property; A mortgage is a type of security for immovable property, and it is usually sufficient to deliver the deed of the collateral to the creditor.

When the debtor defaults, the creditor can be repaid in priority with the sale price.

As a form of real estate transfer, the code was formed and developed in the Great Song Dynasty.

It is characterized by the fact that after the pawn pays the pawn price to the pawn, it has the right to use the pawn property and the right to dispose of the income during the pawn period, and the pawn does not have to pay interest to the pawn.

However, whether it is the government or the private sector, these credit businesses do not have the professionalism of the Liuqiu Money Bank------ except for the loans provided by the Great Song Dynasty Government for the disaster victims, all other aspects of the business have been affected by the Liuqiu Money Bank, and there is no saving in ten!

The loan business is the most reluctant business of the Great Song Dynasty government, because it has attracted the lesson of Wang Anshi's reform, such a business is not allowed to charge interest------ there is no motivation without the stimulation of money.

Liuqiu Qian Bank made money like this, which could not but attract the attention of the Great Song Dynasty government.

Someone in the household department carefully calculated the profitability of the Liuqiu Money Bank, and that number made Jia Laogou's saliva come out.

Jia Laogou proposed to open the Great Song Dynasty Royal Money Bank with ulterior motives, he wanted to go around the account opening department and turn this money bank into the property of the imperial treasury, so that when all the income belongs to the imperial treasury------- then when he calls it himself, there will be no obstruction from the opposing faction at all!

With his trusted relationship with Empress Dowager Xie, basically, all of his suggestions were approved.

As for Zhao Xian, the official family of the Great Song Dynasty, he is only a seven or eight-year-old child now, and everything is subject to his grandmother's arrangement.

After listening to Jia Laogou's suggestion with relish, Empress Dowager Xie agreed on the spot, which is a great thing.

But soon after, a few damn bad old men jumped out of the opposing faction, and bluntly said that they would change their name to Da Song Qian Xing, and the ownership was managed by the household department.

He also said to the Empress Dowager Xie affectionately, the Great Song Dynasty treasury is now very sufficient, and it can no longer compete with the people of the world------ and the household department should justifiably assume the role of the treasury.

In a word, the Zhao family has enough money, so let the country have more money.

He also took Liuqiu Island as an example, saying that the destitute people there could get meal tickets and clothing tickets to avoid starvation and nakedness------ and my Great Song should do better.

Afterwards, when the owner of Zhang Island heard this, he secretly scolded, your sister, don't involve me in the struggle for wealth and power!

Empress Dowager Xie immediately felt that it made sense after hearing this, but she turned her eyes to Jia Laogou.

Jia Laogou said righteously, the investment in starting a money bank is huge, and the risk is not small, so starting the Great Song Dynasty Royal Money Bank can be regarded as an attempt, just because there are still some assets in the imperial treasury, so let the royal family take the risk first.

If it is successful, start to open the Great Song Money Store again!

That's the approximate meaning.

Jia Laogou's words made those bad old men stunned for a moment, will there be risks?

Then they immediately woke up, the merchants who originally opened the pledge shop, the pledge shop and the pawn shop were all fat and flowing, but they all let the flow of money collapse the business, even the overseas businessman can run the business, I Da Song to open it can still be risky??

We must not let Jia Laogou's human rights and financial rights be manipulated by one hand!!

They appealed to Empress Dowager Xie again about the concept of the treasury------ Jia Laogou was speechless, and finally the two sides finally reached an agreement to open the Great Song Money Bank and the Great Song Royal Money Bank at the same time.

Just as they were starting to prepare for it, there was a sudden news that the money bank would not charge a deposit storage fee.

Jia Laogou is really angry, why is everything so unsmooth!

It's good, you don't have this gain, and you make me wait for an inexplicable loss!

He immediately wrote a letter to Zhang Daozhu, one to accuse him and ask him to still charge fees, and the other to ask him for the craftsman who made paper money.

The watermark method of Liuqiu banknotes is very good, which makes their counterfeit banknotes very rare------- but the banknotes of the Great Song Dynasty are always stolen and counterfeited, and even the officials of the Great Song Dynasty government like to use Liuqiu banknotes.

After receiving the letter, Zhang Island Master couldn't cry or laugh, Jia Laogou really doesn't treat himself as an outsider, my fee reduction is a good thing for a big money saver like you, and it is also a good thing for other officials who save money, how can he not be happy? !

After thinking for a while, Island Master Zhang suddenly understood, ah, maybe Da Song wants to start a money shop.

Of course, he couldn't imagine that he could open two at the same time, it would be too strange.

As for the second requirement, he thought about it, and it was not a good thing for him that there were many counterfeit banknotes in the Great Song Dynasty, so he decided to send someone to teach them.

Ensuring that banknotes are not copied is not only a way to watermark, Zhang also knows other methods, but now those ancients still don't understand this, he doesn't want to be too advanced.

In the letter, Mr. Zhang explained the relationship between the cost reduction and the stimulus of the economy, and said that in the near future, it is possible to reduce the interest rate on loans to stimulate investment.

These are all some very simple common sense, I believe Jia Laogou can understand it.

At the same time, he even gave him a few wallabies sent by the Australian dog gnawing captain, and some kangaroo leather goods.

In fact, the owner of Zhang Island is very fond of giving such items that are not costly, such as a two-foot-tall parrot, a rhinoceros horn more than one meter long, and an elephant tusk more than two meters long.

The wallabies sent by Captain Gnawing Dog simply made Nana and Qianqian so happy that they had to be led on a leash when they went out to play.

But the editor-in-chief of Yang Youxing didn't like it, because when he was squatting and playing with it, he was kicked in the face.

After Jia Laogou received the letter from the owner of Zhang, he thought about it for a long time, and had to admit that he was right, but immediately replied that the loan interest must not be reduced, and if it is to be lowered or raised, it must be consistent with the Great Song Dynasty Royal Money Bank in advance.

Young man, don't take too big steps, you'll get eggs------ that's what it means.

He has no liking for the wallabies bouncing around in the garden, and the only thing in the world is the crickets.

He gave the little kangaroo to Zhao Xian, the official of the Great Song Dynasty, just like the big parrot before, so that he could have fun.

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