After more than half a month, Jingwen's bank also opened. And Cui Ying, the actual manager of the bank, has also begun to take office. After all, Cui Ying can be said to be the daughter of the Cui family, the highest-ranking scholar, and her various abilities are also very sufficient. And she can get a fifty percent bonus, so she works even harder. Of course, it is only a 50% dividend, and it is not a stake that Jingwen can recover at any time. Under Cui Ying's organization, he immediately transferred some personnel from Jingwen's other industries and opened a bank. On the contrary, Liu Qing was a little unhappy with Cui Ying, because Cui Ying took the most out of her accountants, because the bank needs a lot of people who are proficient in accounts. But under Jingwen's comfort, Liu Qing finally broke into tears and smiled.

"Jingwen, now we are ready to open branches in Chang'an, Luoyang, and Youzhou and Guangzhou. At present, only the three semicolons of Chang'an, Luoyang and Youzhou can exchange gold, silver and copper coins with each other, and there is still a big gap between us opening online stores throughout Datang. Cui Ying said.

Now, due to various reasons such as roads, time, and costs, Jingwen's bank has only opened bank branches in three online stores in Datang. And Chang'an is the capital of the Tang Dynasty, and the meaning of politics is different, so it is necessary to open a headquarters here. In Luoyang, it is a place that communicates the north and the south, and it is an important commercial channel, and there are often many goods circulating here, and the canal has become the center here, so it is necessary to open one here. If it is opened in Luoyang, it is equivalent to direct communication between the north and the south.

As for Youzhou, it is facing the northern grasslands. Now the Northern Turks have been wiped out. The merchant could go to the Turks at any time to do business, and they could exchange copper coins for gold and silver in Chang'an or Luoyang, and then exchange them again for copper coins in Youzhou. This makes it possible to reduce transportation costs and then expand profits. As for the branch in Guangzhou, it has not been able to really open at present, because Guangzhou in this era has a long way to go and the economy is not developed, which is just the opposite of later generations. Therefore, the preparation of the Guangzhou branch is not very fast, and the political significance of this branch is greater than the practical significance. The Guangzhou branch was actually used to support Shi Wang Xuance, the governor of the Guangzhou Governor's Office. Mainly support him to develop the Guangzhou economy. And develop the Maritime Silk Road, if you can get benefits from overseas at that time, then help Wang Xuance to "sell stolen goods".

"Alright, let's open in a hurry! Later. We're afraid we're going to have to have all sorts of new businesses. For example, deposits. There is also for example, what kind of loan business. Jingwen said.

Cui Ying also understood what was going on with the deposit and loan, because Jingwen had explained it to her. However, now Jingwen's bank reputation has not yet reached that level. Therefore, it is not yet possible to absorb deposits as capital for loans. Therefore, the current loan is more than worth the loss, so Cui Ying will not be so stupid to immediately implement the loan business.

"Crackling ......"

The sound of firecrackers was obviously the opening of Jingwen's banking industry. Jingwen's bank, that is, uses the word "bank" as the title, and does not use any distinctive name. And no one knows what's going on with this bank.

"Ladies and gentlemen, our bank can exchange copper coins into gold and silver, and we can also exchange gold and silver into copper coins. In the future, you can exchange huàn into gold with us, and then go to Luoyang or Youzhou and Guangzhou, and exchange huàn into copper coins again, so that you can save a lot of transportation costs! Said an employee at the bank.

And this street is the street with the most merchants, so many merchants have heard this statement. This statement immediately surprised many large merchants, because they did not expect this statement. They all often have to travel through different states and counties to do business, and the cost of transporting copper coins is a very huge cost, from transportation to protection. If copper coins can be exchanged for huàn into high value, small size, and light relative value, then they can save a lot of costs?

Save costs, that's net earnings! Therefore, many people have come to consult.

"How do you exchange huàn into gold and silver?" Someone asked.

The employee immediately said: "This is very simple, that is, you will exchange your copper coins into silver according to the proportion, and at present, one tael of silver will be exchanged for huàn money, and ten taels of silver will be exchanged for one tael of gold." Of course, it must be a gold and silver coin specially minted by our bank, and if it is not a gold and silver coin specially minted by our bank, then we cannot exchange gold and silver for huàn to become our copper coin. If we have to exchange ordinary gold and silver for copper coins, then we have to charge appraisal fees and fire consumption fees to be able to exchange them. Moreover, the ratio of gold and silver to huàn copper coins is also in the market and will change at any time. We're not going to change much, though. ”

This was actually thought up by Jing Wen, who specially minted a batch of gold and silver coins by himself. These gold and silver coins have the corresponding weight according to a uniform standard, and then when the time comes, they can be exchanged for gold and silver coins by those merchants. Of course, under normal circumstances, Jingwen does not accept ordinary people to exchange unmarked gold and silver for copper coins, because Jingwen also has to worry about anti-counterfeiting and whether the purity of those ordinary gold and silver can meet the requirements of gold and silver coins. If the purity can't be reached by then, won't Jingwen suffer a loss? Of course, if those people have to use unconventional gold and silver coins to exchange huàn, it is not impossible, but they have to charge fire consumption and appraisal fees.

And ordinary people don't know that Jingwen is actually a certain Cheng dù on the control of the Tang Dynasty's currency issuance rights, and in the future, the right to issue gold and silver coins with large denominations will be in the hands of their own banks. Of course, this kind of credibility damage cannot be done. At that time, it is entirely possible to use the right of issuance as a means of controlling the economy, and the benefits brought by this right of issuance can be said to be very huge. At that time, unless the emperor and the court are willing to let the country sink completely, then they can only choose to "share the world" with Jingwen. At that time, as long as Jingwen does not rebel, they can only pinch their noses. What's more, they may not be able to know what the consequences of being accused of the economy will be, which is the reason why the ancient people did not understand commerce and trade.

As for the ratio of silver and copper coins to huàn, that is, it will change at any time according to the market, this is to avoid losses! (To be continued......)