Three months have passed, and the silver coins from Jingwen's bank have been issued, and the effect after issuance is very good. In the past, when many people wanted to buy something a little more valuable, they had to carry a few catties of copper coins out. According to Jingwen's scruples, he has always had six catties of money, but it is only equivalent to more than 400 yuan in later generations. More than 400 yuan is actually not much, and many people often need to buy it. So, once this one-and-a-half tael silver coin is offered, the result is very good. These silver coins are about 50 to 500 yuan in denomination, which is just enough to meet the needs of the vast majority of ordinary people when shopping, so once silver coins appear on the market, they are very popular.

Originally, the Tang Dynasty did not use gold and silver as a transaction, but now gold and silver are openly used as auxiliary coins and traded as valuables. And there is the head of the emperor Li Shimin on it, and the currencies of different denominations just form a brief history of Li Shimin's conquest of the battlefield to the enthronement and proclamation of the emperor in the Tang Dynasty, which greatly improves the status of the emperor in the minds of the people. Therefore, many people keep these things as if they are very precious. Of course, this is only the beginning. Once more and more coins are issued in the future, this kind of collection will become meaningless, because it is rare and expensive, and if there are more of them, it will not be worth much. As for the silver coins, they will also be stamped out one by one, which can bring a large amount of seigniorage to Jingwen. The so-called seigniorage, which is the face value of the currency, minus the cost. Jingwen made a currency with a face value of about half a tael, but the cost was only the cost of silver and a very small amount of labor cost, but it could be used as a slightly higher currency, and the difference in price fell into Jingwen's pocket.

As for the future generations, just because a piece of paper can become currency, and the state can exchange a piece of paper for your materials, which is also the seigniorage. Of course, seigniorage if it is too much. The most typical is inflation. However, Jingwen uses silver as a silver coin, so the probability of inflation is much smaller, because the value of silver is not low.

"Miss Cui Ying, sit closer, we have something to discuss!" Jingwen said.

Cui Ying sat down unwillingly, obviously closer to Jingwen, but Cui Ying was still very guarded. During this time, Cui Ying was constantly discussed by Jingwen for various reasons, and then came over casually to do something. And rub the oil from time to time. Anyway, it seems to want to provoke Cui Ying's mind. And Cui Ying was very distressed, and she didn't know Jingwen's "ambition" for her. Therefore, Cui Ying can only avoid it as much as possible, but Jingwen, the "unscrupulous boss", often uses her hands and feet, and she has no choice. Now Cui Ying can only rely on working for Jingwen to survive, and she doesn't know who to rely on. In the past, the Cui family's relationship networks are no longer needed when they leave the Cui family.

And Cui Ying is also a high-minded and arrogant person, so she naturally wants to support herself by her own ability. But who would appoint a woman? I'm afraid except for Jingwen here. There is no one else at all, which is why Cui Ying can only use Jingwen's hands and feet. And Cui Ying also wrote to talk to her father Cui several times, but they were like mud cows entering the sea, and there was no news. Cui Ying didn't know at all. His father Cui Tan has already "sold" his daughter to Jingwen, as long as Jingwen doesn't go too far, Cui Tan will also acquiesce to Jingwen's pursuit of Cui Ying.

"What's the matter? Hurry up! Cui Ying said.

"Quite simply, our bank is ready to start a loan business. What do you think? Jingwen asked.

"Loans? Are we going to take out loans now? Cui Ying asked.

Cui Ying had long known what a loan was under Jingwen's explanation. In Cui Ying's view, the bank has always been playing the book game. That is, the means of buying and selling short. Using other people's money and then earning your own money is also known as banking finance. And this loan has to be creditworthy, and someone else has to deposit money before you can have money to lend out. At present, the credibility of the bank has just been accumulated for more than three months, where can anyone deposit it? People also have to worry about whether they will be swallowed by you if they are saved.

"You don't have to worry, since I want a loan, then I naturally want to be an example, and I will personally deposit the money. As for my other properties, I will also deposit money, so that I can get millions of dollars in deposits. And, you have to promise that the bank will be responsible if you lose it. Even, there is no custody fee, and even the deposit is enough to give a certain amount of interest. Jingwen said.

"We keep it for them, do we pay interest in return?" Cui Ying was a little incomprehensible.

"Of course, we can certainly consider giving a certain amount of interest. Of course, not too much at the moment, only five thousandths per year. Jingwen said.

Cui Ying then asked, "Doesn't that increase our costs?" ”

"This is very simple, that is, the wool is out of the sheep, since we have increased the cost, then those who need to borrow money from us, can't we pass on this cost? We give people 5 percent interest, but we take out a loan, and that's 8 percent a year. You should know that the personal borrowing in these years is all about profit, and the interest is often more than 30%! There will be 30% interest a year, which is simply forcing people to death. And we have up to 8 percent a year, and I'm afraid a lot of people will be willing to borrow. ”

Jingwen has gone through market research, and the interest on personal loans in this period often exceeds 30%, which is simply a Hades debt in later generations! However, this was reasonable and legal in ancient times, and was protected by law. Later, the Northern Song Dynasty's Qingmiao Law, with an interest rate of 20 percent, was called good governance, so you can imagine how dark the loan interest was in ancient times. If you can have 8% interest, I am afraid that for many people, it is almost the same as no interest. Of course, as a beginning, the loan number should not be too large, otherwise once it causes bad debts, it will be miserable. If it is a large loan, it is necessary to check his past creditworthiness. If you don't have a good reputation in the past, you can't get a loan. In order to reduce the risk, the lender may even have to come up with the collateral! (To be continued......)