With the rapid increase in the assets of the Yan family, the Yan family also needs a money bank controlled by themselves, just like the wealthy businessmen in this era all have their own money banks and the big consortia in Yan Xueyi's previous life have their own banks. Pen fun and pavilion www.biquge.info

The money village of the Yan family is called Yan's money village, just like the business house of the Yan family is called the Yan family, the surname Yan is still relatively few in this era, and the big family of the Yan family is even less, basically Yan Xueyi, the Yan family, is the largest family surnamed Yan, so it is okay to crown the money and business house of the Yan family in front of the Yan family, and play the reputation of the Yan family, and now the Yan family has a great reputation in the country, which lays a lot of foundation for the Yan family. At least after the opening of Yan's Bank, everyone knows that Yan's Bank and Yan's Commercial Bank are the same.

The establishment of Yan's money village naturally has the participation of Yan Xueyi, the patriarch, but Yan Xueyi is mainly responsible for the formulation of the rules of Yan's money bank, and the establishment of Yan's money village is left to others.

Money is a product of the old era, but also the prototype of the modern bank, originated from the exchange of silver money, and then gradually developed into the deposit and exchange, and the bank, in 1847 there was a foreign bank opened in SH, but because of the deep-rooted money in this era, it was not until the 90s of the 19th century that there were Chinese banks.

Therefore, the Yan family wants to open a money village instead of a bank, Yan Xueyi doesn't care about the name, but it can make the money village more like a bank.

Gan's Bank's main business is deposits and loans:

Deposit, because Yan's money is a new bank, if you want to attract people to deposit, the best way is to deposit interest, this trick has not appeared in this era (the specific time has not been checked), the interest rate will not be too high, only one percent of the interest rate a year, that is, a person saves one hundred taels of silver, and after a year it will become 101 taels of silver, and other banks in this era are just the opposite, not only the deposit has no interest, but to collect money, once Yan's money appears, It is self-evident which one you will choose to save money in, the only thing to consider is that Gan's Money Village is a new money bank, which does not have much reputation, and it still needs historical background compared with those century-old brands.

Loan, is to lend the silver to the people who need it, and then get a higher return, is the main way of making profits, others come to Gan's money to take a loan, Yan's money to carefully review the qualifications of the loaner, the loan person can use real estate stores, shareholders, etc. as collateral to lend a sum of money, if you don't have these things, you can also find a guarantor to loan, if the lender is an old customer of Yan's money, you can rely on its credit rating (Gan's own division) to lend directly, no need for those troubles.

In addition to deposits and loans, Yan's money also has to issue a kind of silver bills, silver bills can be exchanged for cash directly in the bank, most of the money banks in this era will issue private banknotes, after all, it is too troublesome to carry a large amount of silver, it is better to use silver tickets directly, Yan's money banknotes must be made to look better, just like the fine banknotes issued by the regular general, and wait until one day this exquisite banknote may be able to replace the status of silver and become a transaction currency.

When Gan's money was first opened, there were only three main businesses: deposits, loans, and the issuance of banknotes (silver bills), and the first Gan's money bank was not directly opened all over the country, but was first opened in Siqi, the foundation of the Yan family.

Why not just make Gan's money popular throughout the country? The main reason is that the Gan's firm is understaffed, this year the Gan's firm will continue to build the first floor of the world in the provincial capitals of various provinces, which is the main industry of the Gan family, and a large number of manpower needs to be used. At this time, Yan's firm will be able to draw out a large number of people.

At present, Siqi Province shares 31 state capitals and 156 counties, and originally wanted each county to have a Gan's money village, but in this way, if each county has a money village, then the Yan money village needs at least 1,000 people, and the manpower is not enough, so it can only give up laying the Yan money village to the county, and can only go to the 31 state capitals to establish 31 Yan money villages.

Determine the goal, just after the fifteenth day of the first lunar month, Yan's firm dispatched hundreds of people to participate in the construction of Yan's money, divided into 31 small teams to go to 31 state capitals to choose the location of the money, start the construction of Yan's money, and at the same time have not forgotten to build a good relationship with the forces of various state capitals, even if it costs some silver, it doesn't matter, now the Yan family has nothing, that is, a lot of silver, a lot of silver in their hands waiting to be spent, the more you spend, the more you will earn back in the future.

In fact, Yan Xueyi also established a Yan's money village in Yuanhe Industrial Zone, the scale of this Yan's money village is still very large, at least five or six times larger than the 31 Yan's money villages under construction outside, belonging to the second headquarters of Yan's money village, the first headquarters is in Chengdu, basically most of the cash of Yan's money village is shipped to the second headquarters, and a small part is transported to the first headquarters, after all, the Yuanhe Industrial Zone is relatively close to Yanjiabao, and it is really controlled by the Yan family.

The Yan clan has been developing in Siqi Province for so many years, and has formed a set of ways, only three months, 31 Yan money houses have been established, and the additional manpower needs have also been recruited, and now the Yan family is waiting for the Yan family to transport a batch of silver to each Yan money village as a base, and also to transport a batch of banknotes (silver tickets) for exchange.

The banknotes of Yan's money are printed by the printing factory in the Yuanhe Industrial Zone using special paper, which is similar to the modern banknotes, divided into one tael, two taels, five taels, ten taels, twenty taels, fifty taels, one hundred and two seven denominations, the front and back of the banknote are printed with different scenes, such as the Great Wall, the Yellow Crane Tower, Mount Tai, etc., the banknote is issued by the Gan's money in detail, the denomination of the banknote, and the number of the banknote.

Beautifully made banknotes can be used as collectibles, and it is impossible to imitate them with the technology of the Manchu Qing Dynasty, and with the technology provided by Yan Xueyi, even the Western countries that have entered the industrialization cannot imitate this kind of banknotes.

Yan Xueyi sometimes thinks about whether to make counterfeit banknotes for pounds, francs, and dollars, so that he can make a lot of money, but now is not the time, Yan's firm has less contact with foreigners, and no Yan's people go abroad, how to spend the counterfeit banknotes produced is a big problem, and the problem of counterfeit banknotes will be talked about later.

In late May, on an auspicious day, a total of 32 Gan's money banks in Siqi Province officially opened.