Genius remembers in a second [Aishang Novel Network biquge.info] to provide you with wonderful novels to read.

The concept of a bank has long been looming in Zhu Biao's mind, he needs money, and to complete the S-level tasks in the task bar, he needs a large sum of money.

It may be that in this world, he will not be able to wait for the day when the imperial court will issue paper money in his life, but when he is alive, it must be possible to issue gold dollar coupons and silver dollar coupons in the bank he opened.

Because the silver ticket in this time and space is almost as versatile as a check or currency. Gold dollar coupons, silver dollar coupons or something, they are counted as small silver tickets, why can't they be issued? The entanglement between the two is only that one must be real, and the other can increase the false hair.

And in Zhu Biao's mind, the bank is the first to pass the money bank and the silver number. In this way, why were the banks all over China in the late Qing Dynasty and the early Republic of China squeezed out one after another? That can't all be attributed to the aspect of being strong on the outside and weak on the inside, there must still be connotations.

The bank is deposited, and the money bank and the bank are extinguished. This is also a historical fact.

Of course, Zhu Biao can't say what the specific reason is, he didn't learn this business after all. But he knew that since in the original historical time and space, China's local money banks and silver horns had prospered for a while and then fell at the feet of the banks, and the influence of inherent social and political reasons was exalted, but there must have been deficiencies in its own system.

Anyway, in Zhu Biao's cognition, banks are super profitable, whether they are state-owned or private banks, they are definitely a good way.

Banks can provide opportunities for the development of commerce, cut out usury, directly promote the development of industry and commerce, and can drive the development and reform of the entire market......

The lack of poor financial knowledge in his mind made Zhu Biao very rash to associate these together. As a result, a simple understanding appeared in his mind: the bank is good, but the money bank and the bank account are not good, and the system itself is defective. Thereupon. He issued the order to use the Liu family as a signboard and the general's mansion to issue a real copy - the establishment of the Liu Bank.

The snow is flying in June, and it is a great injustice.

If you hear Zhu Biao's heartfelt words, China's money bank and ticket number will cry.

Take the two most representative financial institutions, Jinshang Ticket Number and Zheshang Qianzhuang, which were born and raised in China, as examples:

The ticket number is to play the ticket, and the money bank is to play money. In this respect, their trajectory is quite consistent with that of their European counterparts.

In Europe, whether it was Venice and Genoa in the early days, or later in the Netherlands and England, finance and trade were inextricably linked. They go hand in hand. They also promote each other, and they also need to borrow from each other.

The earliest financial institutions in Europe came from the same business name, and in the business activities, the business demand for the services of the financial industry increased day by day, and finally led to the birth of professional financial service institutions. Since then, the financial industry has been separated from commercial trade. The development of China's ticket number and money is no more than this, and the starting point of both sides is at the same point.

It is indeed strange that China's ticket number industry originated in Shanxi, rather than the economically developed and convenient eastern seaboard. But if you think about it carefully, it makes sense.

Jin merchants, in the Ming and Qing dynasties, have been the pillars of the Chinese merchant gang, their courage to go south and north and their hard-working tenacity, as well as the advantages of being traitors and leading the way. As a result, its strength sesame blossoms are rising and standing out in China's business map.

At the end of the Ming Dynasty and the beginning of the Qing Dynasty, the Jin merchants Fan Yongdou, Wang Dengku, Jin Liangyu, Wang Dayu, Liang Guest, Tian Shenglan, Zhai Tang, Huang Yunfa and other eight families were named after doing business outside the Sai. Secretly sent military supplies and intelligence to the Manchus. They provided food to the Manchus during their most difficult time, and they can be said to be the most famous traitor families of that era. After the Manchu Dynasty entered the Central Plains, the eight Jin merchants naturally won extremely preferential treatment. In the early years of Shunzhi, the Qing court summoned Fan Yongdou, Wang Dengku, Jin Liangyu, Wang Dayu, Liang Binbin, Tian Shenglan, Zhai Tang, and Huang Yunfa, eight meritorious businessmen from Shanxi to the capital. Gave a banquet to the palace and became a naturalized internal affairs officer. He was named an imperial merchant.

With these eight imperial merchants as pioneers, the development of Jin merchants during the Qing Dynasty made even greater strides. Footprints all over the world, and soon in the early years of Kangxi, it developed into two major trade systems in the north and south - the grain ship gang and the camel gang.

The former traveled to and from various provinces to the river ports, and the latter traveled thousands of miles to Kyakhta, Mongolia, becoming the largest trader of tea, silk, cloth, grain, iron and other commodities in China, and also established the earliest and largest trade network in China.

Different from the path of the rise of the Jewish financial family in Europe, the Jin merchants' ticket number exchange network was born out of a huge domestic and international trade network that spanned tens of thousands of miles and employed hundreds of thousands of people. The Jewish financial network, on the other hand, originated in pure monetary operations such as money-for-money, deposit lending, and bill trading. What the two have in common is the scale effect and fast and convenient advantages formed by the powerful network radiation capability. Once the network advantage is established, it is almost impossible for later competitors to get in. This is also the main reason why Zheshang's money bank has never been able to surpass the Jinshang ticket number in the field of remote exchange business.

The lack of a large network of Zhejiang merchants led to the small size of their money banks, and eventually it was difficult to form a large financial empire similar to that of the European Jewish financial industry.

Moreover, because the trade network coverage of the Jin merchants was too large, in the era of underdeveloped transportation, it often took a year for funds to turn over, so the strict zhòng restricted the expansion and development of the merchants' business. At the same time, the remote delivery of cash is too long, and the road is not safe, so it is objectively necessary to have a convenient way to mobilize funds remotely, which is the core business of Jinshang Ticket Number: remote exchange.

On the basis of the huge financial network advantage, the exchange network of ticket numbers was also expected to develop into a "financial highway system" similar to that laid by European Jewish financiers in the West, thus monopolizing the arteries of credit and capital circulation.

However, its headquarters in Shanxi has always lacked geographical advantages, and it has not established its own headquarters in Jiangnan, the domestic economic center, which has made the decision-makers far away from the center of trade and financial services with the most growth potential, and also lost the opportunity to dominate the emerging commercial bill trading and other financial markets. In addition, due to China's special social situation, there is no soil and space to cultivate the growth and growth of war bonds and state bonds, and the ticket number only confines its business to the field of foreign exchange, and it can only be gradually eroded by foreign banks and government-run banks in the exchange industry, which is the foundation of its survival.

The financial market, especially the trading market for various treasury bonds and various bills, which forms the core force of state financing. Because of China's strong feudal imperial system, both the ticket number and the money village failed to complete this important historical mission and turning point.

To fall behind is to die. In the original historical time and space, the once prosperous Shanxi Ticket Number and Zhejiang Qianzhuang closed down one after another, and finally let the bank, an outsider, occupy all the markets in China, which cannot but be said to be one of the many tragedies in China at the end of the Qing Dynasty.

But these are completely what Zhu Biao, a financial layman, can't see, all he can see is that the bank system is indeed stronger than the ticket number and the money bank, and the function is more than the ticket number and the money bank. Look at it, it can not only save money for loans, but also redeem and discount. It can also issue banknotes [silver tickets]. It is completely taking into account the advantages of both the money bank and the ticket number.

In feudal countries, every qiē is transferred by the will of the superior. No matter how sorry the money bank and ticket number in the real history are, Zhu Biao's decision will not change again.

The new thing of the bank has already begun in the land east of the river.

……

……

In September, the rivers and lakes of the Northern Han Dynasty became more lively.

Because a silver bell appeared in the hands of Liu Yanping, the contemporary head of the Seven Sword Cultivation Sect, Xiyan Yijian. As a result, this Seven Sword Cultivation Sect, which was between third-rate and second-rate strength, was wiped out immediately......

The silver bell appeared in Linzhou, leaving dozens of corpses in a wood, and then returned to mystery. But there are more rumors spreading!

The signs of chaos in the rivers and lakes have appeared, and it is about to set off a big storm. And more importantly, the Jianghu guests of Zhongshan, Weiguo and even Zhao have appeared in the Northern Han Dynasty, and the Wenshu Monastery of the Northern Han Dynasty. The attitude has always been extremely eager.

Hedong is still calm here, and Mu Xuehua came to write a letter saying that he was the deacon of the inner gate of the Shangjian Sect. Among the original deacons, such as Long Xiao and Lan Ying, they were all promoted to the elders of the inner gate. Lu Yu, the senior brother who helped the sword master, was also promoted to the deacon of the inner gate, but he was not among the top ten.

"Brother, brother. You persuade your mother. and dragged me to see the pious woman......"

The little face cried and mourned, and there was no usual joy at all. If it's not really old, I'm afraid that I can still splash and roll around to express my unwillingness and make a fuss.

"Then what do you want my brother to do? Are you twenty years old? Zhu Biao looked at his little sister very helplessly.

He hurts this sister very much. I hope she will always live happily and happily all the time. But men should marry women when they are married, this is a human necessity.

"I also want you to find a wishful husband yourself. But our family is in an awkward situation...... The selection surface is really narrow. Mother, she is also in a hurry. "I gave the two wives who were playing checkers on the couch a look. Song Yingzhu pulled her little sister and sat down.

"But the ones she introduced...... It's really ...... It's not eye-catching! ”

pouted and said, and then lay on the ears of Song Yingzhu and Shan Yuping's two sisters-in-law and muttered, and Song and Shan laughed out loud after a while.

"Really, I don't lie to you." There is also a little sister's coquettish complaint in the middle.

Shi Cai's still bitter face immediately became radiant, Zhu Biao shook his head helplessly, or the young man didn't know what it was like. Although this little sister is sensible and well-behaved, she is not easy to say, that is, she is a little arrogant and doesn't care about anything.

This is not a very good character in the eyes of girls!

Because of this, Zhu Biao set a 'standard' for choosing a sister-in-law early: first, people are honest and duty-bound, and too many flowers and intestines can't be successful; Second, the family background is mediocre, otherwise the little sister will marry in the past, don't say the rules, warm the bed, and don't say anything about the concubine in the future, that is, the father, uncle, and brothers and sisters of the same generation, and a large team of people have enough to annoy this heartless girl; 3. Attach importance to love and righteousness, or swim in the rivers and lakes. No one is sure where the Zhu family and the imperial court will go after all. It is better not to embarrass the future.

But where is such a 'sister-in-law'?

Zhu Biao had thought about Mu Xuehua in his heart, but ...... I won't talk about this. After that, there was no more central people.

Zhu Mu asked each other several times on this issue, but Zhu Biao didn't express his opinion, just because he really couldn't think of anyone. And Zhu Mu herself once faintly passed a hint of the meaning of the cousin of the Liu family, kissing and kissing! But more than a year ago, she stopped talking about it herself, the girl was successful in martial arts, and Zhiyuan and Zhiming, who often beat in martial arts exercises, all hugged their heads and ran, and finally hid when they saw her.

In fact, Zhu Biao still has an unspeakable candidate in his heart - Dou Bing.

This is his absolute pro-confidant, and his martial arts are also very good, if he marries his little sister, Ding Ran will respect his little sister to heaven. And there is no father, no mother, no relatives, and no one is restrained when the little sister marries.

But the two of them didn't call. Dou Bing's guy is very honest and polite, and he doesn't dare to think about his little sister for half a point. And after he got married, he and Zhou Yunfei found their goals, and their eyes were all on Nolan and Shulan. I don't know if the two of them were divided before, one for one.

Zhu Biao couldn't say it anymore.

Of course, as Zhu Biao's own power increased, the family was raised, and Dou Bing was a servant. With his eldest lady, it will also be a national laugh. Public opinion can crush people, and Zhu Biao also has scruples, and that little bit of thinking is getting weaker and weaker.

"Dashuai, Mr. Liang has something to see!"

"Let him sit in the hall later. I'll change my clothes and go. ”

Liang Jin? He doesn't seem to be married. How old are you......

============= dividing line ========================

"Bank?".

"Save money for interest? …”

"Loans? Mortgage? ”。

In the eastern boundary of Hedong, the appearance of Liu's Bank was like a big gossip falling on the heads of a group of idle and boring people, and it instantly caused a sensation in the entire territory.

Liu's Bank, which combined the functions of the two banks of money and silver, added a variety of innovations such as loans and mortgages, and almost copied all the common functions of banks in the previous life, shocked the officialdom and shopping malls of the entire Hedong as soon as it appeared.

Successive dynasties have cracked down on the private loan shark industry, but the effect is not good. The benevolent see the benevolent, and the wise see the wise. And the bank is nothing else, but it has played a significant role in suppressing usury.

Its interest rate is so low, only 5% per annum. Ten times less than usury.

Entering mid-to-late September, the establishment of the bank has not been said about anything else, which is commendable.

Of course, the dark side of society is not so easy to dispel. Otherwise, there would not be so many people who sold their sons and daughters and devoted themselves to servitude for 10,000 years.

At least relatively generally. The emergence of Liu's Bank has dealt a near-fatal blow to the loan shark industry in Hedong. Who would let go of low-interest loans from banks with obvious 'government' backgrounds, and go to loan sharks? What's wrong with thinking that your debt is not high enough?

And with the establishment of Liu's Bank, the first business thrown out turned out to be Hedong Army bonds worth five million taels, which made countless people lose their eyes!

Is this Zhu Biao borrowing money from the people of the world? ! How could there have been such strange things in all ages?

Ruyi Fang in the south of the county town.

A house not far from Fangmen, since the Liu family entered Hedong, Liu Zhengqing's whole family has lived here.

The house has been renovated and was originally the residence of a wealthy merchant. After the war, the wealthy merchants moved to the mainland. The house has been vacant, leaving only more than a dozen people. After the Liu family bought it, the wealthy businessman also took away a burden.

The thresholds of the walls and tiles are all new, but the decoration is not luxurious and rich, and it is a little worse than the old mansion of the Liu family in Qingxiang City.

It's just that the identity is different now, the Liu family is equivalent to a relative in Hedong, which is too eye-catching, and it is better to be simple at this time!

In the study, Liu Zhengqing was discussing things with his eldest son Liu Zhiwen. As the head of the bank, the father and son are now under a lot of pressure.

The Liu family and Zhu Biao are now completely tied together, that is, Liu Zhengqi and Liu Zhengchu are still officials, and the Liu family has also been seen in Zhu Biao's sphere of influence. So what Zhu Biao asked for, that is what the Liu family must complete. It's difficult though!

Liujia Bank, which has a capital of six million silver dollars, is now unable to make ends meet. There is simply no comparison between the amount of money deposited every day and the amount of money spent on a daily basis. Up to now, it has not been a month, and the capital of six million silver dollars has only been left to about 3.2 million.

As soon as the branches in various counties are opened, a group of borrowers and mortgages will come to the door every day.

These crab-eating people naturally couldn't be the trust found by the Liu family, but they noticed that there was a bargain to take advantage of. There are not no smart people in the world, and some people's eyes are bright!

What kind of effect can the bank play, the bigger the businessman can imagine! Its birth is to spread a large net of gold and silver in the entire Hedong territory.

Therefore, when the people did not dare to deposit their surplus money in the bank, some merchants received from the bank the most urgently needed thing for their business - capital, and some poor people also borrowed money from the bank to start their own family anew or free themselves from loan sharks.

The former is not too big, and a list of tens of thousands of taels is rare. The latter is even more dense and small, with a few taels of silver and a dozen silver dollars in the majority. However, gathering sand into a tower, accumulating a lot, and the capital savings fell by half in less than a month, how could Liu Zhengqing's father and son not feel anxious.

Six million silver dollars, one sold for the entire Liu family is not worth one-tenth of the astronomical amount. In less than a month, it shrank to 3.2 million, and even if his eldest nephew had a mint to replenish it, the money would not be enough to spend like this.

Liu Zhengqing knew that such a high speed would not last forever, but he was afraid of Hedong, and he was afraid that his nephew Zhu Biao would not have the funds to support him to the end...... In that case, the Hedong Army will be greatly damaged.

Therefore, with the gradual decline in the amount of bank savings, the pressure in Liu Zhengqing's heart has gradually increased, and by now, he has stayed at home. Just staring at every news from the bank all the time, the bookkeeper at home was also affected, and he was there day and night with abacus beads, calculating and checking one number after another......

(To be continued)