"Emperor Qi, Xu Guangqi is now serving as the young Zhan Shi of the Zhan Mansion, and the title of the new official of Henan Province to supervise the imperial history, and is supervising the training of the new army in Henan. Not long ago, he wrote a letter requesting to return to Tianjin to recuperate. This person is a faction of the Donglin Party, but he is not the core of the Donglin Party. Li Jinzhong investigated Xu Guangqi's situation and reported it to Zhu Youxiao.

"Xu Guangqi is from the Donglin Party?" Zhu Youxiao suddenly hesitated, the Donglin Party at this time was about to destroy the Ming Dynasty! However, it was relieved that the Donglin Party was not all the kind of people with bad intentions, but was still divided into radicals and moderates. This Xu Guangqi should belong to the moderates.

Another example is Ye Xianggao, the head of the cabinet, who can be regarded as a moderate.

The radicals are ** Xing, Zhou Jiamo, and Yang Lian. Historically, Zhu Youxiao purged the Donglin Party in the third year of the Apocalypse, and he was obviously in a rage. In the third year of the Apocalypse, the queen gave birth to a stillborn child, and the emperor was poisoned again, how could he not be angry?

In a fit of rage, he naturally cut a large piece.

Xu Guangqi was not cut, which means that he was not caught. The Emperor of the Apocalypse in history also threw an olive branch to Xu Guangqi, but Xu Guangqi did not accept this olive branch, so the Emperor of the Apocalypse asked him to 'stay idle', that is, to leave his post without cutting his official position.

Xu Guangqi is considered a doer of the Donglin Party at the end of the Ming Dynasty, and he can still use it now, after all, Zhu Youxiao has not broken his face with the Donglin Party at this time.

Therefore, Zhu Youxiao immediately issued an order to summon Xu Guangqi to Beijing for an audience.

At this time, it was already February of the first year of the Apocalypse, and the opening of the Daming Royal Bank was a major event in the capital, which had a great impact on the people and magnates.

Ordinary people, and even many powerful people, have deposited their silver in the Daming Royal Bank, so as to sit on the interest. But for those Shanxi ticket numbers, it is not good news.

After the opening of the Daming Royal Bank, the bank's business was apparently frighteningly good.

The bank staff treated people politely, and there was free tea in the bank, and there was no appearance of a big shopkeeper bullying customers. Yang Guorui followed Zhu Youxiao's plan and tried his best to make the bank look like it was crowded and lively. In this country, the herd mentality is very common.

The one-yuan account opening in the bank has attracted a large number of ordinary people to deposit money in the bank.

When depositors come to the bank to withdraw money, if they are not worried about the safety on the road, Daming Royal Bank will also send soldiers to escort them along the way to avoid depositors being robbed by criminals.

Shanxi ticket number affected by it, so that the cash of these money banks has dropped significantly, Shanxi ticket number is also doing fund-raising things, but they do not give interest, and are charged service fees, savings capacity and Daming Royal Bank compared with the current business of the bill of exchange has an advantage.

However, after the opening of the four Daming Royal Banks in the capital, Yang Guorui began to train new employees non-stop, and has been selected and renovated in Baoding, Tianjin, Zhangjiakou and other places, ready for further expansion, and is already studying the printing of silver tickets.

However, before the silver ticket came out, the Daming Royal Bank first launched a kind of 'gift ticket', which was printed on red paper and used to give gifts to people.

What kind of wedding banquet to attend, if you send money directly, how cheesy it looks! If you send this kind of beautifully printed gift ticket launched by the bank, it will look good and auspicious.

As soon as this kind of gift ticket was introduced, it was widely welcomed.

Not only do the people like it, but those powerful people don't give money overnight, and they all use the gift tickets of the Daming Royal Bank to participate in any banquet or something. Even many powerful people specially let their subordinates go to the bank and exchange a lot of gift tickets for later use.

Soon the money activities in the officialdom were also replaced by gift tickets, giving gifts to the boss, bribing officials, and other activities, all used gift tickets when giving silver, and often large-denomination gift tickets.

If you want to give silver, one or two pieces of silver is heavy enough, and it is okay to bribe people. But if it is used to bribe those dignitaries, it will not be able to take it out, and it will not be convenient.

There is a nursery rhyme in the capital that sings: "White turns yellow, yellow turns white." ”

It is about the evolution of gift-giving in the capital, which was still giving silver at first, then it became gold, and then it became pearling.

Whether it's gold or pearls, can you have gift tickets to be convenient and joyful?

When the gold is taken out, people say it is cheesy.

The pearl is out of his hand, and it is not easy for people to realize it.

When antiques are sent out, people may not be able to look at them, or they may look away from them.

It's fucking hard to give gifts!

Nowadays, gift tickets have appeared, which are beautifully printed and convenient to redeem. At the same time, it is also joyful and auspicious. At the same time, the value is also clear at a glance.

Soon, gift tickets swept through the officialdom of the capital like a flood, making many officials feel that it was a lot easier to receive gifts! And this money can also be deposited in the bank to eat interest.

As for the fear that the emperor will know that they have a lot of money, there is no need to worry about it at all, just use someone else's name to open an account.

So much so that in less than half a month, many officials also secretly deposited the silver into the Daming Royal Bank. And all of them have long-term deposits for three or five years.

Daming Royal Bank does not have a 10% interest rate for all depositors, the interest rate for deposits and withdrawals is only 3%, the interest rate for one-year deposits is 5%, the interest rate for three-year deposits is 7%, and the interest rate for five-year deposits is 10%.

However, some officials began to criticize the emperor for 'playing with fire', and many officials saw that once the Ming Royal Bank could not make a profit, it would be difficult to support the 10% annual interest rate, and if the investment failed, what should I do?

Of course, it can be continued by demolishing the east wall and making up the west wall, but what if you get rid of it one day?

So early that day, a group of ministers came out one after another, accusing the emperor of opening the royal bank as a 'crooked way', and even many Qichu Zhejiang party officials also expressed concern about this.

"Ladies and gentlemen, I opened the Royal Bank, if one day the bank fails. I also have Huangzhuang and Huangdian that can be used to compensate depositors for their deposits, and we will never let depositors suffer. Zhu Youxiao promised the ministers in the court that he knew that many ministers had deposited their money in the bank.

Now it's time to boost their confidence in the Royal Bank.

"Your Majesty, what if the bank fails, and the Huangzhuang and Huangdian can't compensate for the deposits?" Shou Fu Ye asked Gao Zhulie.

"Haha! I can't afford to change money, don't I still have the imperial court! In short, I will not lose faith in the people. Zhu Youxiao said happily.

"Your Majesty." Star suddenly knelt on the ground and shouted Shengming. Ye Xianggao originally wanted to argue with the emperor, but he didn't expect **Xing to suddenly agree, and sang an ode. **Xing shouted on his knees, and soon a group of Donglin Party knelt down in an uproar.

Zhu Youxiao couldn't help sneering when he looked at the scene in front of him, obviously these Donglin parties were not optimistic about the bank. After all, in their opinion, under the 10% interest rate, Daming Royal Bank will inevitably have problems as long as it takes a long time. At that time, as long as there is a problem and the Huangzhuang and Huangdian cannot make up for the losses of the depositors, then they will inevitably sell state-owned assets on a large scale, and even sell state-owned rights.

Therefore, the praise of the Donglin Party is actually impure motives.

"Huh! Brother has so much money in his hands, can he still make a loss in business? Zhu Youxiao was very calm in his heart, and when the business in all aspects was bigger, don't cry and shout that we can compete with the people for profit.

After this morning, the deposits absorbed by the Daming Royal Bank soared by more than one million taels on the same day, and most of them were five-year long-term deposits.

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