As the first shareholder of the Royal Bank, Zhu Jian, of course, had to cheer, he became the first to third customer of the Royal Bank, the first account opened the general account of the Ming Treasury, which was a public account, the second was his small treasury account, and the third was his real private account.

Zhu Jian copied some methods of the bank in later generations, the savings business of the Royal Bank is also divided into two kinds: public and private, the beginning of the account is distinguished by A and S, A represents the public account, S represents the private savings, the external service window is also divided into public and private, and the private savings business is divided into ordinary accounts and VIP accounts, and the letter V is added in front of the S to distinguish, and the VIP customers are those who have official titles and bank accounts with more than 500,000 taels of silver, and enjoy the priority of exempting from the number.

Zhu Jian came from later generations and knew all the evils of feudal society, but now he is the number one person in power and enjoys all the benefits, so he doesn't want to change too much.

In order to improve the social status of soldiers, enhance the sense of honor of soldiers, and encourage people of appropriate age to actively serve in the military, active and retired soldiers and their families also enjoy VIP services, the account is slightly different from senior officials and special customers, the higher the level, the more V letters in front of the account, like Zhu Jian, the emperor of the Ming Dynasty, his private account number is five V, like the cabinet chief assistant Ruan Dacheng, the chief of the imperial general staff Song Xiance, the chief of the imperial general staff Wang Chengen and other bigwigs of the private account is four V, and so on.

On the opening day, the Royal Bank was full of people who opened accounts, all of whom were bigwigs in the court, and then it was the turn of the lower-level officials, blocking the entire business hall.

In the following days, the business hall of the Royal Bank was still full of customers, either low-level officials or big families, ordinary people have no chance to open an account, there is no need to publicize, and there is no need to worry about no big customers.

In line with the principle of security considerations, they will choose the bank with higher security, the Royal Bank is undoubtedly the safest, not only the emperor, but also the entire court boss has stored money in it, can it go bankrupt? Even if you want to go bankrupt, you don't dare to go bankrupt, so the family and the moat are willing to deposit their spare money in the Royal Bank, and it is good to put it away, and it is not bad to earn some interest.

There are too many customers, as a last resort, Zhu Jian had to set up another branch in the capital, and realize the account exchange of more than three V, as long as it is a senior customer above the three V level, in the head office or branch access can be done, but to charge a little handling fee, this handling fee is not taken seriously for the moat at all, they only ask for fast.

There is no computer networking, bank accounting and settlement are all purely manual operations, to achieve account interoperability is a big problem, Zhu Jian opened this business is to attract the trench, the solution is to spend more money, recruit a few courier brother full-time errands, once there are large customers across the bank to handle business, immediately with the bill to the opening bank to deal with, as far as possible in a short period of time to achieve the two lines of account correct, and call some business personnel to work at night to check the inter-bank business of the two banks, to ensure that it is correct, and the salary of the courier brother, The small errand fee and the small handling fee charged are enough to pay, and the wool is dripping from the sheep.

Of course, there is a certain risk of loopholes in the courier brother's transmission of billing information, so the courier brother who chooses to hire is strictly screened, and there is a village chief or clan elder as a guarantee, once something happens, not only the family, the guarantor has to be responsible, and the main offender loses his head, and the punishment of the family property is light, and the heavy is the family, in order to prevent this kind of case from happening, Zhu Jian and the bigwigs of the court have set a heavy one, and a crime must click.

The addition of branches has greatly alleviated the pressure on the head office, and outside the city, there are family members and large households within a radius of 100 miles, most of whom have come to open accounts, and some have withdrawn cash from the original bank and transferred it to the Royal Bank, which has caused a lot of pressure on other private banks.

In order to avoid vicious competition, before the opening of the Royal Bank, Zhu Jian issued an order to rectify the private money houses of the people, stipulating that the interest rates on private deposits and loans should fluctuate up and down to no more than 5 percent, and violators were punished with fines of more than 20 times for the crime of disturbing the financial order of the empire.

The civil and military officials raised their hands and feet in agreement, they were all shareholders of the Royal Bank, and they wished that all private banks owned by the private sector would close down and the Royal Bank would monopolize this business.

Branches around the country have also opened for business during this period of time, the same industry customers are full, even if the local moat clan has a wait-and-see attitude, and does not want to change careers for the time being, they also have to have a face for the local parents and officials, come to cheer up, open an account first, save some money to go in, even if they don't pull the poop, they will occupy a pit first.

With the opening of branches of the Royal Bank, the pressure on private banks increased, and they either joined forces to fight against the behemoth Royal Bank, or merged into the Royal Bank and became one of its branches.

Zhu Jian was very generous to these private money banks that requested mergers, giving quite fair treatment and relaxed autonomy, which made these bosses grateful, although the money was less than before, but holding the thick dragon legs of the Son of Heaven, there was no risk, and the money was earned steadily and securely, and there was no need to worry about bankruptcy and bankruptcy all day long.

Of course, lending and investment is a technical work, local branches in the possession of a lot of shares and independent autonomy at the same time but also to bear the risk of self-financing, in addition to some special loans designated by the imperial court to issue, the imperial court to bear the risk, other lending on the implementation of the goods salesman, put to be responsible for recovery, want to deceive, fill the pocket, once verified, the consequences are serious, run away? Don't be kidding, if you run away from the monk, you can't run away from the temple, not to mention that the whole empire is wanted, your family and clansmen have to help you take responsibility, record it in your household register, and become a stain on your family, your children want to study and take the exam, take the civil service exam and eat official meals, then you have to wait two generations later.

Many of the rules and regulations of the Royal Bank are all copycat the modern banking system of later generations, according to the actual situation of the Ming Dynasty to delete, modify or add, as far as possible to reduce loopholes, to avoid the occurrence of all kinds of cases, the Ming Dynasty is now a real monarch ** feudal society, Zhu Jian can torture to maintain the financial order of the Ming Empire.

The opening of the Royal Bank was just a small episode, but the offensive and defensive battle of Jinzhou Jiancheng had reached the most critical time.