"Have you heard that the emperor embezzled the money from the bank for pleasure, and I heard that more than a dozen halls will be built in the palace."

"I also heard that the emperor will follow the example of the king of Shang to build a wine pond meat forest. Millions of taels of silver have been embezzled. ”

"What millions of taels, I heard that tens of millions of taels have been embezzled."

"What? So much! ”

"Yes! Go to the bank and get the money out! It's too late, but it's gone. ”

"Go together, go together."

The streets and alleys, restaurants and teahouses were full of rumors, which quickly caused panic among the ignorant people, and the people on the streets rushed to the Royal Bank, for fear that they would not be able to get the money back if they went late.

Shortly before the run, the Tongzhou Chamber of Commerce and the Jin Shang Bill had already withdrawn all the 20 million taels of silver deposited in the bank, thinking that the Royal Bank would be short of funds and then be run and collapsed.

At this time, a large number of ordinary people in the prefectures and counties of Beizhili deposited their surplus money in the Royal Bank to eat some interest. The interest of 10% in the first year is still very considerable. In this era of capital shortage, it is normal for banks to give 10% interest. After all, the mainstream investment projects are still in a blank, and if the rate of return of these investment projects can't even earn 10% interest, then this business is really not to be done.

This kind of interest rate of only 10% for 5 years is lower than the bank interest rate during the Republic of China, and many banks in the Republic of China period had an interest rate of 10% for three years. It's just that in this era, after all, only the Daming Royal Bank has opened a deposit interest rate, so it is very attractive.

With the encouragement of the Royal Bank, a large number of ordinary people saved their change and then deposited it in the Daming Royal Bank.

Together with this rumor, these ordinary people immediately panicked. There were long queues of ordinary people who went to the branches of the Royal Bank to run on them.

Everyone scrambled for fear that they would not be able to get the money back.

In the face of these runs, as well as some wealthy businessmen and magnates who deposited large sums of silver, the Daming Royal Bank did not say a word and directly complied.

Zhu Youxiao's money was placed in the Royal Bank, but it was not used for investment in the Royal Bank, and it did not eat interest. It is only to facilitate the settlement activities of purchasing materials, and to use it for emergency needs in the event of a run on the Royal Bank.

At this time, Zhu Youxiao's internal money already had nearly 10 million taels of silver.

Half a year later, the glass products manufactured by the glaze manufacturing factory made a profit of 2.8 million taels of silver in the country again. Because the sales are not so hot at the beginning, so in the second half of the year, the glass products have been the first round of price reduction, what the supreme luxury version of the fitting mirror, the price has dropped to 50,000 taels, the price has been cut in half, the price reduction has played a good effect, many of the wealthy people who are reluctant to spend so much money to strengthen the purchase of glass products, after the price reduction, they bought some. At the same time, the glass factory also launched glasses, and at this time China also had glasses, but they were made of crystal, and the cost was relatively high.

In the first half of the year, the tax bureau collected a total of 1.2 million taels of taxes in Beizhili, and basically all economic activities that could not be linked to ordinary people were taxed.

In terms of official salt sales, it has also expanded to various towns in Beizhili, and it has made a profit of 1.43 million taels in a few months. However, illegal salt is still common in the countryside, but in the towns of Beizhili, all the illegal salt and the official salt sold by other merchants are cleared.

The Daming Royal Bank also made a slight profit, providing loans to the royal capital and private capital, making a profit of 300,000 taels. The coinage began to become the main force of profit, and it also made a profit of more than 50 taels in half a month.

Together, these profits amounted to nearly 6.3 million taels.

After Li Sancai's assets were sold one after another, he got another 530,000 taels, which of course was not all of Li Sancai's real estate, but some of these excellent assets were digested by the royal capital, such as land, shops, and so on.

There are also military expenses for the Ming army in Liaodong and Dongjiang, which are not paid all at once, but successively every month. And a lot of war materials are provided by the Royal Military Factory and the Jimin Food Bank, so the military expenses do not need to be allocated, but the materials are transported to the front.

Together, these silver reserves of tens of millions of taels are enough for the Daming Royal Bank to suffer from this run.

At present, the Daming Royal Bank has only lent more than 9 million taels of silver, and even if all the depositors take out the silver, there are still 1 million taels of silver in the inner pocket.

Previously, the loan could not be released, mainly because there was not enough investment project to obtain scale.

Now the Royal Agricultural Company and Jimin Grain Bank are on the right track, forming a set of operating models, which has generated a huge demand for funds.

As long as this run is survived, when the funds flow back, Daming Royal Bank can obtain huge benefits.

"Uncle, you have deposited a total of 100 taels of silver in the Royal Bank, with a deposit period of 5 years, and you have been saving for more than half a year, and you currently have interest of 6 taels, 3 cents and 4 cents. If you take it out now, the interest will be gone. In front of the counter, the staff said to an old man who came to withdraw money: "The bank still builds yì and you continue to store." ”

"It's not saved, I'm going to take it out, take it all out, this is the old coffin book!" The old man said with some eagerness.

"Alright! I'll handle it for you right away, do you want silver or silver dollars? "The staff of the bank don't say much, they will still persuade these ordinary people, and it is their business whether they listen or not.

"Silver dollars! This stuff works. The old man said.

"Okay, do you need us to send someone to escort you home?" The staff asked the old man while asking them to count the silver dollars.

"Yes, yes." The old man is also not at ease, for fear that he will be robbed on the road. Soon the old man got 120 silver dollars and 24 large copper dollars. The bank immediately sent three soldiers from the Beijing camp to escort the old man home.

There were so many people who came to withdraw money this time, so Zhu Youxiao withdrew a large number of troops from the Beijing camp and went to the branches of the Royal Bank to maintain order and escort the depositors home.

This kind of service makes many people feel intimate.

"I want to withdraw money, I want to withdraw money. I have deposited 10,000 taels in your bank. At this time, a wealthy merchant lined up at the counter, and the staff said, "How much silver do you want to take?" ”

"Take it all." The rich merchant said hurriedly.

"I'm sorry, if you withdraw more than 100 taels, you need to make an appointment three days in advance, you can go into the VIP room to make an appointment, and we will prepare the silver after three days." The staff said to the wealthy businessman.

"What? Three days later! Do you have any money in three days? The rich businessman was furious on the spot, slapped the counter angrily, and the staff said with a cold face: "Please don't disturb the operation order of the bank, otherwise you will bear the consequences." ”

"I** your mother, you have to give this money today, and you have to give it if you don't give it." The wealthy merchant splashed on the spot, and the bank staff at the counter immediately shouted, "Someone." ”

Immediately, I saw two soldiers from the Beijing camp rushing in, and the rich businessman who was talking about Sapo was dragged out directly.

When the other big depositors saw this, their faces turned pale one by one, and they were afraid that they would not be able to withdraw the silver. But I could only go to the VIP room to make an appointment helplessly, and I regretted it to death, why should I be greedy for this 10% annual interest rate in the first place! The big depositors who entered the VIP room, when they made an appointment to withdraw money one by one, the bank staff did not persuade them to say a word.

These fixed deposit period of silver, if withdrawn in advance, do not have a penny of interest. For those ordinary people, the bank staff is still more conscientious to advise, and these big depositors, they want to take it, and the bank is still eager to do it! This allows the bank to save a lot of money on interest expenses, after all, the money itself is not lent out.

PS: Thanks to Rabilot for your support, the first helmsman of this book.