Bank, this is the largest project that Xiaotian has done since he came to Daming, in addition to the head office of Xia Ke Island, all along the coast, especially in Nanyang, Xiaotian has built a total of more than 100 branches. Pen fun and pavilion www.biquge.info

In order to popularize the concept of banking to the common people, Xiaotian has also taken great pains. When I first started playing, of course, it was impossible to realize all the blueprints in Xiaotian's heart. Now this place, at best, is an upgraded version of the bank, with only the most basic functions of saving money and withdrawing money.

What is more convenient is that Xiaotian promises that at any time and at any time, the guest can receive all the silver taels he has deposited in other branches at any branch. This function is somewhat similar to the money bank, the only difference is that when you deposit money in the money bank, you will be charged a handling fee, but in Xiaotian, not only does it not charge a handling fee, but it actually gives you interest.

Of course, in addition to deposits and withdrawals, there are also loans. In fact, Qianzhuang also has a part of the lending business, but their lending is more of a loan shark, saying that it is a loan, it is too vain to elevate them, in Xiaotian's opinion, it is at most an upgrade of a pawnshop.

Generally speaking, the usury of the Ming Dynasty was more than two cents, that is, every copper plate had blood. Xiao Tian naturally couldn't do this, and reduced the interest to two points for the first time. Hundreds of people overseas have already offered Xiaotian to become a living Bodhisattva. As everyone knows, in the 21st century, two cents is considered usury.

It's such a bank, if someone else opens it, the people will probably think that this person is either a fool or a liar. It's different if you change Xiaotian, you must know that Xiaotian is known as the smartest person in the world, so he is naturally not a fool. Similarly, the Marquis of Dingyuan is worth a huge amount of money, who in the world does not know! Naturally, we will not cheat ordinary people of this hard-earned money.

Besides, I didn't see that before Dingyuan Hou opened the bank, he took out several mountains of silver, and used it as a god horse reserve, what did you say Dingyuan Hou was for? What else can you do, Dingyuan Hou has the world in his heart, has the heart of a saint, and saves everyone!

Xiaotian's behavior is really similar to doing good deeds in this era. Loans, since ancient times, there has been no thing that does not press, but in this era, other pawnshops are bargaining to the death. When it comes to Xiaotian, Xiaotian is relatively particular. Basically, it's about the same if something worth ten taels of silver kills you for about eight taels of silver.

In addition, Xiaotian Bank also undertakes investment loan business. That is to say, as long as you can tinker with something new, as long as you can tell where this thing is used, Xiaotian will invest in you, help you open the factory, and let you realize your dream of being the boss.

Xiaotian's bank reputation is guaranteed, the golden signboard, and his silver ticket can be exchanged for money anywhere. In this case, when people do things, they will naturally no longer carry boxes of silver, but instead they will be replaced by handfuls of silver bills issued by Xiaotian Bank.

In the first few months, when doing business, you have to exchange the silver ticket for silver first, and after the transaction is completed, you have to ask the other party to exchange the silver back for the silver ticket.

Later, everyone was troublesome, plus Xiaotian's grandson, when he exchanged silver tickets and silver, he had to charge a handling fee, and after a few months of hard work, Xiaotian Bank's silver tickets gradually had the role of paper money.

Of course, anti-counterfeiting is very important at this time. In fact, the Ming Dynasty did not lack the technical means to print paper money, and there was a precedent for paper money even as far away as the Song Dynasty.

In the Ming Dynasty, a large number of paper money was printed during the Chengzu period, and even a decree was almost issued prohibiting the use of metal money by the common people. Over the years, I haven't seen this banknote counterfeit at any time.

However, it is a pity that if paper money wants to be issued smoothly, it must have sufficient reserves, and our imperial court has never sorted out these things, and even the amount of paper money issued is all decided by the emperor patting his head.

Zhu Di did the best, whenever he ran out of money, he would pat his head and print money. No money for war? Stamp! Don't have money to leave your book? Stamp! No money to repair the river? Stamp! Xiu Yanjing has no money? Of course, it was printed.

As a result, the Yongle Dynasty was indeed a strong country, but the people were exceptionally weak, and he himself was proud to think that he was the first emperor of the ages, but I don't know how many people wished that he would die quickly.

Far from it. Of course, Xiaotian can't do things like this, there are always a lot of reserves in the bank, which can be exchanged in Xiaotian's bank at any time, and naturally there is no problem of depreciation.

Even, Xiaotian's silver tickets are gradually flowing into the inland areas, you must know that there are no branches in the inland areas, isn't this the same as paper money?

As a result, Xiaotian became the de facto currency issuer of the Ming Dynasty. It is almost certain that as long as Xiaotian does not rebel and does not die, he can really go sideways in Daming, and no emperor will dare to kill someone like him, otherwise he will die on the front foot, and the economy of Daming on the back foot will collapse.

single-handedly controlled the entire Ming economy and became the economic emperor in the true sense, Xiaotian said that he was in a very happy mood.

At the end of the year, another big event happened, a big earthquake.

On December 12, the 34th year of Jiajing, a magnitude 8 earthquake struck Huazhou, Weinan, Puzhou, Shanxi, and Linzhen in Shaanxi.

Han Bangqi, the secretary of the Nanjing Military Department, the secretary of the Nanjing Military Department, the secretary of the Guanglu Temple in Nanjing, the king of the Nanjing Guozi Sacrifice Wine Wang Weiyi, the Langzhong Xue Zuxue, the foreign minister He Chengguang, the director Wang Shangli, the imperial historian Yang Jiuze, and the senator Bai Bi and their families were crushed to death on the same day. The whole family of Xie Zhi County in Weinan was in trouble.

More than 820,000 officials, soldiers, and civilians were repressed and their names were reported, and even more untold names were not known. Huazhou, Weinan, Huayin, Sanyuan, Fuping, Chaoyi, Lintong, Tongzhou (now Dali); This is especially true in Puzhou, Linzhen, Yishi, Jiezhou, Wanquan, Ronghe, Xiaxian, Anyi, Ruicheng, Pinglu and other places in Shanxi.

It was midnight, the sound was like thunder, the momentum was like a dustpan, and the big trees were like brooms sweeping the ground. The walls and ancestral halls of Huazhou buildings and public and private buildings were destroyed for a while, the ground collapsed, the ground protruded into a fu, suddenly cracked into a river, the water became a spring, the mountains and rivers were displaced, the road was changed, the wall was inchless, and six out of ten people died. Weinan was hit by more than 20 earthquakes in one night, the ground cracked in dozens of places, the water gushing, paid, shipboard, fresh yellow melon, and 20 or 30 zhang deep. The north and south of the middle street are sunk by one or two zhang, and the people and streets in the city are trapped.

The Chishui Mountain in the eastern suburbs is plunged into flat land, and it is not too high. The Five Fingers Mountain was destroyed. Weishui migrated north for four or five miles, and five out of ten died. The walls of Tongguan and Yanning fell. In Puzhou, Shanxi, the ground was cracked into canals, the city was completely destroyed, and tens of thousands of residents were crushed. The houses of the Yi clan all collapsed, and tens of thousands of members and residents of the clan were crushed. The officials and people of the Kuo Ancestral Hall in Linzhen City did their best, and it was impossible to crush people and animals. The Rong River collapsed and destroyed the city walls and the houses of the government and the people, and many people died, the ground cracked and the water was three or four feet deep, and the aftershocks continued. Xingping, Lantian, Juxian, Zhuoyang, Gaoling, Xukuo (now Zhouzhi), Liquan, Tongguan (now Tongchuan), Yaozhou, Chengcheng, Hancheng, Pucheng, Baishui; Shanxi's Wenxi, Jixian, Hejin, Jishan, Yonghe, Huozhou and other cities were destroyed, and many people and animals were killed. Fengxiang Mansion, Yan'an Mansion, Weide Prefecture; Pingyang Mansion, Shanxi; The Kaifeng Mansion and Nanyang Mansion in Henan Province also shook like thunder, the walls collapsed, and people and animals were killed and injured.

The Beijing division was hit by three consecutive earthquakes, the city walls were damaged, and there were many consecutive earthquakes in various places, and Puzhou was hit by earthquakes for more than three years. The earthquake affected more than 130 prefectures and counties in seven provinces, including Shaanxi, Shanxi, Jingshi (present-day Beijing), Shandong, Nanzhigu (present-day Jiangsu), Huguang, and Hannan, of which 95 prefectures and counties suffered varying degrees of damage. The farthest distance of damage from this earthquake was about 450 kilometers, and the farthest felt distance was about 800 kilometers. (To be continued.) )