Unlike the Ming Dynasty, which was very busy, the Republic is still carrying out the monetary rectification system in an orderly manner.

At present, there is no way to ensure that there are banks in third-tier cities and towns, but it is already possible to set up branches in first-tier cities and basic subordinates to set up branches in second-tier cities. Even in the third-tier towns around Chang'an, branches have been opened to ensure that merchants can exchange huàn coins anytime and anywhere.

Originally, Zhang Hongbin naturally wanted to issue banknotes. However, the Ming treasure banknote made the Ming government lose its credibility, and also made the people not trust this government-issued currency at all. Therefore, before the banks of the republic can gain sufficient credibility, paper money must be sold cautiously, which is Xu Guangqi's meaning, and of course, Zhu Cunyuan seems to have had similar advice in the later period.

It's hard for her, busy developing more powerful gunpowder, busy developing more powerful chemicals, and many times locking herself in the real room, and the children don't pay attention to it. When she came back last time, Zhang Cai and Zhang Tian were both timid to her, and they were not as close as Xu Hui.

However, Zhu Cunyuan probably also received the influence of the knowledge of future people in the brain, and was more or less heartless, and still had a fight with the two little children. It can be seen from the knowledge display board that she is still a little concerned, after all, she is still an ancient person in essence, a traditional Chinese little woman.

"It's really hard for you...... Zhang Hongbin silently stroked her cheek at that time, helping her wipe away the tears that she said were blinded by the sand.

"It's just hard work for a while, it's nothing." Zhu Cunyuan felt Zhang Hongbin's warm and wide hand, and said happily.

I learned from her that now she is trying to synthesize sulfonamides, even if Zhang Hongbin can buy this thing directly in the supermarket, but it is naturally best to be able to independently develop. After all, he is the only one who can use the supermarket, and the technology he has mastered can be passed on from generation to generation.

Guan Dao is a good talent, who has just learned basic chemistry and has begun to focus on biochemistry. Zhu Cunyuan gave him a task, which was to research penicillin, and he was also in retreat at the moment. In the final analysis, if this research is really successful, Zhang Hongbin is afraid that he will be really happy.

The bank began to operate, and under the guidance of public opinion, everyone was full of hope for the republic. In particular, it is gold, silver and copper currency, so there will be no resistance, after all, it is a precious metal, not a cheap thing like a piece of paper. If it is really not credible, it should be regarded as giving back to the republic, after all, it is precisely because of the republic's savings that they can live such a good life.

The grace of a drop of water should be reciprocated by a spring, and the people still know this truth.

In addition, the policy of non-local exchange and interest on deposits introduced by the banking industry is also very popular with the people. Instead of depositing money in the zài home moldy, it is better to save it in the zài bank for some interest, the small citizens are not good at anything else, the best thing is to be careful in budgeting, after all, it is related to their life and death.

During this period, there was also a disgusting run, which seemed to be a big businessman from Zhejiang. These guys exchanged millions of taels of silver into gold and silver coins in one go, hoping to make the bank have no coins to give to others, and then hit the bank's credit. But they didn't want to use guò communication tools, so they urgently pulled a batch of gold and silver coins in various places to rescue the emergency, and at the same time, the mint bureau was also working overtime to mint money, so the final result was that these merchants took enough money, but lost more than 100,000 taels of silver.

After all, there are regulations in the banking industry that if a large amount of silver is exchanged for gold coins, the ratio of exchange to gold coins must be increased. The other party was very happy at that time, and thought that if the bank could not redeem it, it would naturally return their silver, and even compensate for some of the losses, so they did not stop cashing it.

As a result, when the exchange was over, they found that they had at least 100,000 taels of silver.

Worst of all, the gold and silver coins were not pure gold and sterling silver, which were minted with some other materials. Here in the Huaxia Republic, such a currency can be used as one tael of silver and one tael of gold, and the proportion is very fixed. But in other places, I'm afraid that it would be good to be able to use it as half a tael of silver.

In other words, they want to use this money, preferably in the Republic, otherwise they will lose nearly a million taels of silver...... So, they cried.

Naturally, they could use the money in the Republic, and if they were the best at shopping, they could get a lot of taxes. If they purchase goods in large quantities, they can also be taxed. In any case, a large amount of this money will be returned to the government, and the most important thing is to increase the volume of trade, which in turn will further improve the local economy, which will be beneficial to the government in any case.

But since that time, it has not been without side effects, and the biggest side effect is that there have been some problems with the savings of gold. However, there are still a lot of seizures in Myanmar and Tibet, and there are also gold mines in Myanmar, which can be mined as soon as possible. Not to mention, the fleet has slowly taken shape, and it is still okay to go out and plunder appropriately.

According to Zhang Hongbin's original idea, that is, to start from Myanmar and completely close the Strait of Malacca. Since then, all ships that want to pass through here must pay a certain share of the toll, otherwise they will be sunk or forced to land, and they will not be given a good time anyway. In this way, Malacca is the golden rooster of the republic, and it continues to create wealth for the republic.

The most important thing is to seize gold on a large scale in the hands of Westerners to the greatest extent.

The bank was opened for five days, and after the novelty passed, the people began to have confidence in the bank. Some of them also took the courage to deposit the money in the bank and returned home with receipts. It's a pity that there is no way to apply for a bank card now, so such a certificate must be kept properly and must be renewed every six months.

After five days, some merchants began to exchange large quantities of gold and silver. They all do business within the Republic, so it is best for them to do business by saving money here and withdrawing money in other cities. There are even a few people who are not very good at turnover, and they choose to take out a loan, even if the interest is higher than the interest on the deposit, it doesn't matter, after all, he is only temporarily ineffective, and the trade channels and customers are still there, and he will be able to earn it back soon. As for the mortgage, he gritted his teeth and mortgaged his homestead and workshop.

Some people also wanted to start a small business, or were in urgent need of money, so they also mortgaged their houses and exchanged them for some coins. It is true that the interest rate of the bank is higher than that of the deposit, but it is more cost-effective than those who lend usury, and there is no need to worry about the rolling interest, so the people prefer to deal with the bank.

Not to mention, I heard that a new regulation will soon be introduced to crack down on illegal borrowing by the enemy. When the time comes, those black-hearted rich men will be unlucky!