Chapter 62: The Royal Money House (3)
Xie Yufei understood that these proprietors would definitely agree, she herself had personally felt the strong oppression, everything under the imperial power was powder, and she also understood the desire of these inferior merchants to change their identity, they had no status in the imperial society, and no amount of wealth could make people feel at ease, so she asked Xia Yiyu to ask the emperor for these rewards in exchange.
"Is that true?" The sudden surprise made Xia Yiyu smile happily, and he couldn't even believe what Xie Yufei said.
"Cousin," Xie Yufei only bowed slightly, and asked again, "Did your trip go well today?" ”
Xia Yiyu was in a very happy mood at the moment, and his eyebrows flew and he said, "Hmm! It has also been negotiated, behind the Rishengchang cabinet is Luo Guoye, behind the Weitai thick cabinet is the eldest princess's house, behind Tianchengxiang is his father's uncle's house, Bao Fenglong is involved with the right minister's house, and behind the three Jinyuan is Uncle Yongwang, only these top-level magnates dare to ignore the law of the country and do things that give people authority. These magnates all own half of the shares in the cabinet, and I used my incorruptible house to move them with affection and reason, so that they could agree with pleasure and sincerity.
Now everything is ready to open, I will go first, this matter needs to be struck while the iron is hot, you must enter the palace overnight, you rest early! ”
Xie Yufei was secretly amused when he saw his arrogant appearance, stood up and sent him to the door, "Cousin, go slowly!" ”
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After nearly a month of planning, the Royal Money Village has been able to open at any time, opening stores in the East and West Cities, rebuilding on the basis of the original cabinet shop, rebuilding ten connected shops into a combination, funded by the Royal Money Bank, and the government came forward to forcibly requisition the original owner to a store in other locations in the East and West City.
After the reconstruction, the royal money village is magnificent, the appearance is somewhat like the office, the internal structure of the money village is complex, the three-story size room adds up to more than 60 rooms, there is an underground silver vault cut from heavy stone bricks underground, and the hidden organ is covered, if there is an outsider who enters the touch mechanism, he must die on the spot.
The third day of March is a good day, and the East City Royal Money House officially opened for business today.
Since ancient times, people have always loved to watch strange things. At this time, the entrance of the royal money village was full of people who stopped to watch, waiting for the red silk covered on the plaque to be uncovered, curious about what this yamen and shop were doing.
The sun is rising, the opening time is approaching, a group of household officials and household officials in official uniforms are surrounded by a group of soldiers, the people are in an uproar, and the discussion is buzzing, isn't this a store? Or does the government also do business?
The five proprietors standing next to the stone lion at the door took three steps and two steps to greet them, and after a few polite compliments, they led the officials into the bank.
Now they have received the Gong card, and they can not worship below one product. But the onlookers outside didn't know that this civilian actually stood with the high-ranking officials of the court and chatted, and everyone who watched was stunned.
After a while, the head of the household came out to announce that the auspicious time had arrived, and he personally unveiled the red silk, and the four big characters of the royal money village came into everyone's eyes.
Later, a small official came out and posted a few notices with the same content, which clearly wrote the business of the money village, and the people were not calm after reading the notices, which completely shocked their past cognition.
"Saving money for interest? Regular? What does current mean? ”
"As long as the loan is guaranteed by someone with official status, the interest is only one and a half cents?"
"As long as the loan is secured by a physical property, the interest is only one and a half cents?"
As we all know, saving money is to teach the cost of storage, saving money is not attractive, and there are still many people who go in to ask about low-interest loans.
Xishi Royal Money Village also opened for business on the same day, Xia Yiyu and Xie Yufei were sitting behind the business hall of Qian Zhuang at this time, and they were relieved to see the sparse businessmen who came in to inquire about negotiations.
"Fortunately, someone came in so quickly, and as long as these customers borrowed money at a low interest rate, it would soon have a publicity effect." Xie Yufei's nervous expression was much relieved, this was planned by her, and the most nervous thing was her.
"From tomorrow onwards, the municipal department will only be responsible for checking the accounts, and the commercial tax will be paid in the royal bank." Xia Yiyu saw that the hundreds of people who came in one after another were asking to borrow money, and no one had saved money, so he comforted her without a clue.
Xie Yufei said with a smile: "Cousin, this borrowing money is also a business, and the profit is higher, more people will come to borrow money after today, as long as the reputation spreads, I am afraid that no one will come to save money?" ”
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Today is the eleventh day after the opening of the Royal Bank, in the lobby of the West City Royal Bank, there is a long queue in front of the ten business windows, the first to the fifth window to handle the deposit, the sixth to the tenth window to handle the loan, borrowing money and saving money have accounted for half of each other.
The people who save money come to handle the deposit with silver tokens, and they need to leave the tokens and codes for withdrawing money, and the scribes who handle them will file and number each business, and then hand over the number and the documents stamped with the royal money to the customer.
The people who borrow money are holding the deed of land or other property contract documents to handle the loan, or lead the country chief to come as a guarantee, these are small loans, there is a VIP area on the second floor of the money village, specializing in the business of accessing more than 10,000 yuan, and the business of more than 10,000 yuan needs to leave a customer portrait, and it is stipulated that more than 10,000 yuan needs to be withdrawn in person.
Xia Yiyu would inspect the money houses in the east and west cities every day, standing in the inner hall of the lobby and seeing everything thriving and progressing in a good way, the corners of his mouth rose to show a satisfied smile, and then went up to the third floor to listen to their daily business reports.
The clerk of the bank treasury of Qianzhuang took the account book after the statistics and reported the business situation: "Your Highness, Qianzhuang lent 437,590 yuan yesterday, and the deposit of 28,065 yuan of income, including 18,000 yuan of commercial tax!" ”
The warden paused and continued: "What follows is the result of the general ledger statistics once every ten days required by His Highness, plus the accounts sent by the Dongshi Money Village, the two money houses have been lent out for 6,634,830 yuan in the ten days since they opened, half of the principal has been removed, and the deposit of income is only 1,783,650 yuan.
The amount of money deposited has gradually increased over the past five days, and the subordinates think that the people who need to borrow money have also borrowed almost enough, and the number of customers who come to deposit money has gradually increased. ”
The account sheet made by this scribe was very detailed, and Xia Yiyu did not hesitate to praise it, and said, "Hmm! Well done! This prince will give you a good evaluation, step down! ”
The scribe was praised by the three princes, and he couldn't help but bow and retreat.
After two months of stability, you can start to open a royal bank in the prosperous state below, open a money bank, and cross the river all the way, there is no big problem that cannot be solved, Xia Yiyu thought of this, and he was in a much relaxed mood, so he went to the account room next door to see the gentleman who was teaching students. Yu Fei actually gave a lecture to a group of officials who were born as jinshi, and he was able to convince them, and those students instead called more officials to listen to the class together, so in recent times he has been in contact with many real power officials in the household department, and he has put down his body like the second prince to intersect, although these real power officials are not of high rank, but the position is important, and it may be of great use in the future.
Yu Fei also told him that he had discovered a talent, the new household member Wailang Zhong Shu, who was now learning a higher level of arithmetic with her.
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Xie Yufei had seen the cumbersome bookkeeping method of the household department, which was not only cumbersome but also easy to confuse and make mistakes, so he asked Xia Yiyu to order these household officials to learn how to keep accounts with her for three days.
Today is the third day of learning, Xie Yufei directly drew a few different kinds of tables for them, and asked them to use the Arabic numerals they learned to subtract the list, these household officials have fully understood how to use it at the moment, and everyone is very excited in their hearts.