readx; Although Daming Bank was not recognized by the courtiers, it was unusually popular among the people, and it was particularly popular on the first day of its official opening, which made Bi Ziyan and others overjoyed at the same time, but also a little caught off guard. Pen ~ fun ~ pavilion www.biquge.info

Due to the inadequate preparations, the household department only opened two branches in the inner and outer cities of Jingshi, each with five counters. Unexpectedly, there are tens of thousands of ordinary people queuing up to make deposits, and such a small number of people simply cannot be received. In addition, whether it is the staff who have just taken up their posts or the ordinary people who come to deposit, they are relatively unfamiliar with the bank's work process, and often have to grind for a long time to open an account, and they have also encountered some more difficult practical problems.

For example, many ordinary people are illiterate and only know what their names are, and they can't even write their names. In this era, there is no ID card, and personal information needs to be registered in detail to open an account, including name, age, address, immediate family, etc. In order to prevent the phenomenon of fraudulent deposit withdrawal, when formulating the bank's detailed rules, Zhu Youzhen also deliberately referred to the password system of his previous life, and asked the account holder to leave a password, such as "big black dog", "Yongding Gate", and so on.

Therefore, on the morning of the first day, the efficiency of the bank was really not high, and only a few hundred accounts were opened, and the deposit bank was less than 2,000 taels. The people queuing up outside had the scorching sun on their heads, and they soon sweated profusely, and they inevitably complained.

While everyone was complaining, they suddenly heard someone shouting: "Long live the Lord and the queen have arrived!" ”

Everyone hurriedly looked back, and sure enough, Zhu Youzhen and Rui'er changed into civilian clothes, and surrounded by dozens of members of the Imperial City Security Team, they got down from a distance and slowly came to the end of the team.

The common people were so frightened that they knelt down on a mountain and shouted long live, Zhu Youzhen hurriedly laughed loudly: "Fathers, please calm down." I have nothing else to do, today I am specially to accompany the queen to the bank to make a deposit. ”

The queen mother of the world actually wants to deposit? The common people will be skeptical, but since the emperor said so, who would dare to line up in front of him, and hurriedly make way for the two to pass.

Rui'er smiled and said: "Depositing spare money in the bank is a move for the benefit of the country and the people, and all the fathers and elders are actively depositing under the scorching sun, and both Banzai and the palace are deeply moved." Long live Fang Cai said, everything must be said to come first and come first, no one can cut the line. Banzai and Hongu are willing to line up with everyone, so don't be restrained. ”

The common people are accustomed to seeing the officials and masters swaggering through the market under the signs of "quiet" and "avoidance", where would they have thought that one day, they could line up with the emperor and queen? Everyone was immediately deeply moved, and no one complained.

Zhu Youzhen also took the opportunity to comfort everyone: "Today is the first day of Daming Bank's external business, and it is normal to handle business slowly, and I hope you will understand." The reason why the registration is so complete that it is a little cumbersome is also to ensure that everyone's hard-earned hard-earned money is not lost at all. Please rest assured that Daming Bank will soon open more branches to facilitate everyone's deposit and withdrawal; If you are too far behind, there is no need to wait here, I will ask the people in the bank to issue the number one by one for a while, and it will be handled in order tomorrow. ”

Of course, none of the ordinary people dared to really line up in front of the emperor and empress, and they retreated one after another after receiving the number, so Zhu Youzhen and Rui'er quickly lined up. Today, this branch is Bi Ziyan himself in charge, he also just knew that the emperor and queen were coming, and was about to lead everyone to kneel to greet him, Zhu Youzhen waved his hand and said: "Don't you need these false courtesies, haven't you seen so many people waiting?" Do what you want, please open an account for the queen! ”

Rui'er put a big burden on the counter and said: "This is the silver deposit of the palace and Concubine De, Concubine Ling, Concubine Li and dozens of palace maids, a total of more than 900 taels, a detailed list has been attached, please register them one by one." ”

The people behind shouted again. First, I always thought that the harem beauties and jade food must have endless silver, but I didn't expect the queen and several imperial concubines, plus dozens of palace maids, to save less than 1,000 taels of silver in total, which shows the simplicity of life; The second is that there are more than 900 taels of silver in the baggage, which is worth the weight of an adult, but the queen seems to be delicate and gentle, but it is very easy to carry the burden!

"The queen has practiced martial arts since she was a child, and she has sacrificed herself many times to save me, and she is an out-and-out heroine." Seeing this, Zhu Youzhen joked, "Don't hide it from your fathers, I'm really afraid of her!" ”

In the kind laughter of everyone, Zhu Youzhen also smiled and said: "Everyone, not only the queen, but every woman is not easy. Although they may not have the ability to kill the enemy like the queen, they are also great and worthy of respect for giving birth to children and taking care of the whole family's housework. Therefore, it is not wrong for the husband to sing with the wife, but it is not necessary to raise the case with eyebrows. Women can hold up half the sky, and I hope that all fathers and elders can seriously understand this sentence. ”

Everyone was silent after hearing this, but Zhu Youzhen was slightly red. This sentence is a famous quote from the old man, and today he has plagiarized it again.

With the emperor and empress personally demonstrated, the enthusiasm of the common people to save money is higher. After finishing the business, Bi Ziyan hurriedly invited the two of them to rest in the back, and at the same time said happily: "When the minister and Lord Shangshu discussed yesterday, they were still worried that the people would not approve of the bank and would not come to deposit money. I didn't expect to be so enthusiastic, the wisdom of the saints, the ministers can't reach it! ”

Zhu Youzhen replied with a smile: "It's not that Qing and the others don't have intelligence, it's just that they didn't think about this aspect in the past. I'll give you an account: there are more than 1 million people in Beijing, of which there are no more than a few tens of thousands of officials and their families, plus businessmen and wealthy households, that is, more than 100,000 people, and the rest are all 'peddlers and pawns'. Although these ordinary people cannot be compared with those rich families, they also have a little surplus wealth at home. For such a small amount of silver as three or five taels of silver, the folk silver number is not eye-catching; However, the accumulation of sand into a tower has grown into a lot, and the wealth of nearly a million people has been gathered, which is still an astonishing amount. For the common people, the silver is kept at home, not only can it not make money, but it must be protected from theft; Now that there are government-run banks, money can be put here with peace of mind and money, so why not! ”

After a pause, Zhu Youzhen admonished again: "By the way, the bank has just opened, and there will definitely be people who are worried about the safety of funds." Therefore, the reserve fund should be set at 50% temporarily, and it is necessary to ensure that the principal and interest are repaid in a timely manner. When you get back on track in the future, you can slowly reduce the reserve ratio. The rest of the money can be lent to the Tai Warehouse immediately, and the arrears of the officials and soldiers in various places can be paid first. ”

Bi Ziyan said with some hesitation: "But after all, I have to repay the principal and interest..."

"It's just a small amount of money." Zhu Youzhen said firmly, "If the officials and soldiers mutinied, or the thieves were blazing, because of the arrears of salaries, the losses could not be measured at all, wouldn't it be clear which was more important and which was lighter?" ”

Bi Ziyan suddenly realized, but he was still a little worried. Zhu Youzhen comforted him and said: "Don't worry, there are still many people who want to deposit silver, and these people all want to save for a fixed time." ”

"Oh?" Bi Ziyan was surprised, "But most of the officials and businessmen and wealthy families don't seem to be like ordinary people..."

Zhu Youzhen pouted lightly and said, "It's not them." It's the officers and soldiers of the three battalions! ”