In a courtyard of the Treasure Pavilion in the capital, more than 50 people gathered in class, and the keynote speaker was Lin Yi, the prince of the dynasty and the prince of Chu.

The more than 50 people in the audience are the treasurers of banks in various cities carefully selected by Lin Yi, the older ones are more than 50 years old, and the younger ones are in their thirties.

These people were all eunuchs.

The talents of many eunuchs are not inferior to those who read at all, and they understand who the master is, and they will only work more attentively.

Moreover, these guys, Lin Yi also used the 'this worship' skill on all of them, and the consequences of betraying themselves were unbearable.

Lin Yi looked at these people and said, "You have been studying for more than two months, and I have told you everything you should talk about. ”

Lin Yi began to take the last lesson.

The Royal Bank founded by Lin Yi borrowed a lot from the experience of the Ming and Qing dynasties, and its business was mainly exchange, withdrawal of money from other places, issuance of silver bills, absorption of deposits, mortgage lending, etc.

The so-called exchange, withdrawal of money in other places, and the issuance of silver bills, in fact, is a series of actions, the commerce of the Great Song Dynasty is very developed, merchants do business to buy goods for commercial activities, need to carry a large amount of gold and silver, very inconvenient, very dangerous, so when transporting a large amount of gold and silver, often hire a dart master to escort, and the cost of hiring a dart master is not low.

The Royal Bank can solve this problem very well, the merchant or the rich person, give the money to the bank, take the exchange of silver bills, go to another city to withdraw the silver bills, the bank charges a certain fee, it is definitely lower than the dart master, and the security is also greatly increased.

This is how Shanxi's ticket number developed.

Because the exchange is simple and safe, many people directly deposit silver tickets in the later stage, which can reduce the handling fee each time, which is the reason why those silver tickets in movies and TV series are popular.

As for the absorption of deposits, it is to absorb the idle money in the hands of wealthy businessmen and wealthy private households, and this money will be given a small amount of interest, which is similar to the interest given by modern banks.

However, he believes that he will still absorb a lot of deposits, after all, the excess money is placed at home, it will only be moldy and rusty, it is better to put it in the money bank to generate a little interest, Lin Yi also draws on the modern deposit model, and gives the echelon interest according to the different years of time.

As for lending, it is the main profit model of banks.

The main loan model of the Great Song Dynasty is that the government-run lending institutions are called Jiaozi Bank and Huiziwu, and the private ones are called Jiaozi Shop, Jiao Yin Shop, Qian Yin Shop, etc., and the maximum annual interest rate can reach 100%, the normal 50% or 60%, and the minimum is 20%, and this kind of money cannot be borrowed by ordinary people.

Lin Yi is ready to ask the Royal Bank to reduce the interest rate of the loan to 20% per annum, of course, the collateral must not be less, it must be a preserved land deed, title deed, house deed, gold and silverware, trading, goods, etc.

Lin Yi's lending is mainly aimed at businessmen who use more money at a time, and the rate of return is higher.

Compared with modern banks, the business model is much simpler and rougher, only a few, but for the current Song Dynasty, it has been greatly improved.

With the Royal Bank,

It is estimated that there will be a lot less robbery on the road,

Liang Zhongshu gave Cai Jing's birthday gang, and there is no need to find someone to escort it, just send a silver ticket directly, which is more convenient.

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【I have a game world】 【】

As for the bank online store, for the time being, there are only more than 30 cities in the most developed city of the Great Song Dynasty, that is, the city where the Treasure Pavilion is located.

When Lin Yi asked the firm to build the Treasure Pavilion in various places, he thought of the bank, so those ticket numbers were basically next to the Treasure Pavilion, or simply one.

This also makes it easier to manage and prevent thieves.

Bianjing is the general number, and Luoyang, Lin'an, Yangzhou, Chengdu, Guangzhou, Fuzhou, Taiyuan, Yingtianfu, etc. are the semicolons.

Naturally, Mingzhou, Quanzhou, Mizhou, Xiuzhou, Wenzhou, and Jiangyin are indispensable treaty ports.

The treaty ports of the Great Song Dynasty were very prosperous, and they were also an important support for the income of the Great Song Dynasty, such as tea, porcelain, silk and other goods, which were exported to Southeast Asia, Japan and other regions.

There is more banking in these treaty ports than in the big cities.

Exchange requires the circulation of information, and Lin Yi uses two methods, one is to write by land, and the other is to pass on the book by flying pigeons.

As for the most important silver ticket, it is what Lin Yi cares about the most.

From paper to ink, seals, password numbers, exchange numbers, etc., the silver tickets are all handled by Lin Yi.

The paper is made of more durable and even waterproof paper, which is not available on the market at all.

The ink of the Great Song Dynasty is not much developed, Lin Yi deliberately produced several new inks, when printing silver tickets, the use of red, blue, black three-color overprinting, the picture has a green dragon and a crane, it is very complicated, the printing workshop outside does not have such printing technology at all.

In addition, there are special numbers on the ticket, in order to facilitate the recording of English letters and Arabic numerals, it is difficult to know the meaning of these numbers unless you have returned from studying in many countries.

Not only that, the silver tickets have ticket stubs, and the ticket stubs must be checked when exchanging, and there are ciphers on them, Lin Yi's cryptography plays a role here, if the ciphers of the two silver tickets cannot be checked, they will not be dealt with.

in a word

With the current level of science and technology of the Great Song Dynasty, it is almost impossible to make a qualified counterfeit silver ticket, unless you meet a time-traveler who is more powerful than yourself.

If Lin Yi continues to operate like this, he will definitely squeeze out the business of the original official family and private money shop, but he doesn't care, he opens a royal trading house, the emperor's business, who dares to find something to kill directly.

Moreover, Lin Yi already had the intention of annexing these Jiaozi banks and money shops, and the Jiaozi Bank was opened by the Yamen of the Three Divisions and the Ministry of Households, and Lin Yi planned that after the bank was opened, when people saw the power of the bank, they would directly take the right to issue Jiaozi and the right to exchange.

In the future, the Royal Comptoir will have the right to issue both Jiaozi and silver bills at the same time.

As for the money shops that lend usury, under the squeeze of Lin Yi's low interest rate, the business will slowly shrink, and they will be left to fend for themselves, and all the business in the future will naturally go to the hands of the Royal Bank.

furthermore

Lin Yi also wanted to absorb the national treasury and the treasury of various state capitals and counties into the Royal Bank.

In ancient times, the state and the state and county would have two kinds of warehouses, one was the silver warehouse, which mainly stored the local fiscal tax silver, and the other was the grain warehouse, called the official warehouse, to prepare for disasters and famines.

There is a passage in the legend of the New White Lady, Xiaoqing stole the silver taels from the Qiantang County Treasury with the Five Ghost Handling Method, triggering a series of stories.

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According to the current situation of the Great Song Dynasty, the local government withholds a part of the annual tax burden of the imperial court, and most of it is handed over to the state treasury, which can probably earn 120 million guan, and the local finance is about 40 or 50 million guan.

That's not a small amount of money.

It's a pity to rust in the warehouse, wouldn't it be better to use it to work.

Of course

These are things for the future, and people need to accept that the Royal Bank is safer than the treasury before it can be implemented, and now I am afraid that many people will be worried and panicked if they are forced to do so.

The last point is,

Banks can also help Lin Yi sell stocks.

Lin Yi had already thought that when he found those mines, he would sell them as stocks, and the interest rate would be a little higher than that of the deposit bank, so that he could attract a large amount of money to come over, and the mines would be mined slowly.

Following

More than fifty shopkeepers, each with his business men and the guards of the Forbidden Army, will go to each province to take up their duties, they will have a month, and after a month, the Royal Bank will open for business at the same time.

......

Time has come to the winter solstice in a blink of an eye.

The day of the imperial court's worship ceremony has arrived.

The winter solstice sacrifice is one of the most solemn sacrifices of the imperial court, held in the temple of the imperial palace, today all the civil officials and military generals above the seventh rank in the capital, as well as the princes and sons of the clan, will all gather here, the number of thousands of people.

Three days ago,

Song Huizong began to fast, not close to women.

The day before,

Slaughter livestock to make the best.

Lin Yi is the chief officer of this Heaven Sacrifice Ceremony, and this position was previously held by Cai Jing, which made many people think.

The hour has come.

Song Huizong wore a dragon robe on the stage, burned incense and prayed, made chimes, bells, and bells to play music, read the sacrificial words, and finally bowed to the ancestors and the emperor God, and bowed three times and bowed nine times.

Speaking simply,

In fact, the whole process etiquette is extremely grand and complicated.

The ceremony of sacrificing to the heavens was over, and it was not dissolved, and this time Song Huizong added another article, that is, in the holy temple, all members of the royal family, civil officials, military generals, princes and disciples of the clan, and even eunuchs and palace maids, swore allegiance to His Majesty the Emperor together.

Lin Yi printed countless notes in advance and asked the eunuchs to send them down one by one, with oaths on them.

Everyone looked at each other at first, but no one dared to disobey, Heaven and Earth Monarch, these people present should have been loyal to His Majesty, why, do you still want to have two hearts if you don't swear?

"We hereby swear allegiance to Your Majesty, strictly abide by the discipline and law of the country, fulfill our duties loyally, and repay the king's kindness with loyalty,...... If you break your oath, the sky will thunder. ”

Regardless of whether you want to or not, all kneel down and swear an oath, Lin Yi looked at all this with a smile, and swore allegiance in the future, if he wants to make it normal, all officials must go through this.

The temple of the sacrifice to the heavens has finally ended.

And the next day,

There is a lot of news coming out of Bianjing.

One night,

Today, more than a dozen ministers, princes and nobles, and even two generals died, this is a big event, Yin Zhang Shuye of Bianjing Mansion hurriedly sent someone to check, and the final conclusion was that they all died of heartache.

It's weird.

Report to Your Majesty immediately.

For this result,

Song Huizong was not so surprised.

These people swear to be punished, which means that they are damned people, on the one hand, let people arrange the funeral, and on the other hand, send a secret organization to investigate whether these people have any other problems, find evidence and deal with them.

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The Great Song also had intelligence agencies.

For example, the Privy Council Staff Pavilion is in charge of map surveying and mapping, military aircraft files, military intelligence collection, and overseas espionage activities.

There is another one called the Imperial City Division, whose functions are similar to the Jinyi Guard of later generations, which is not subject to the management of the Sanya, and directly obeys the emperor's orders, and has a series of functions such as detectives, arrests, and prisons, and its monitoring objects include officials in Beijing, local officials and even ordinary people, but compared to the Jinyi Guard, the Imperial City Division is much more low-key, and many people and officials are not very aware of the existence of the Imperial City Division.

In fact, in the palace, there is another secret force, that is, the eunuch's 'internal office', this intelligence organization is also responsible for collecting intelligence, but the source of intelligence mainly comes from the eunuchs and the army in various places.

Outside.

Gradually, some rumors appeared.

said that His Majesty had obtained the immortal law, and anyone who was not loyal to His Majesty would be punished by the gods, although the rumors were suppressed afterwards, but the seeds were planted in people's hearts.

The awe is heavier.

A month came quickly, the Royal Bank opened, and the head office of Bianjing was on Xicheng Street, a three-story building, of course, this was only an external store, and the real silver vault was a treasure trove under the Treasure Pavilion.

The day the bank opened.

Another lion dance celebration.

Lin Yi once again invited officials and wealthy businessmen, and this time when they came, each of them handed out a manual, which explained the role of the Royal Bank.

The first sentence is,

"Royal Bank, Huitong World!"

The Royal Bank is designed to facilitate merchants from all over the world and solve the problem of merchants transporting silver in large quantities.

Remittance, withdrawal of money in other places, issuance of silver bills, absorption of deposits, mortgage lending.

Many big businessmen have a flexible mind, and they suddenly feel how convenient the bank will bring to them.

It costs less money than the dart board, it is more stable than the dart board, the probability of an accident is smaller, it is faster than the dart game, and people soon find an advantage, that is, they can withdraw the silver without having to rush it once, and they can use the silver ticket continuously, so that the handling fee is saved.

They felt smart and found a place to take advantage, but Lin Yi wanted them to do this, exchanging silver tickets for real money, it was definitely him who took advantage.

As for deposits or mortgages, they are also very attractive to big businessmen, who will inevitably encounter opportunities to make a fortune but do not have the money in hand, and their way in the past is to borrow from friends, or even to borrow from usury.

Now with the Royal Bank, the interest rate is much lower than that of loan sharks, and even less than the interest rate of borrowing from friends in the past, so they are naturally willing to borrow from the Royal Bank.

In addition, it also saves the trouble of transporting silver, and can even directly ask the bank to help you pay off the arrears.

Hands are saved.

In short, they are here at the Royal Bank and see a lot of convenient places.

As for the handling fee and loan interest on the bank, you have to pay it elsewhere, and the bank is still low, so you naturally choose the Royal Bank.

Immediately

There are people who handle the silver ticket business.

Silver tickets start from 100 guan and gradually increase, and the largest one is 5,000 guan, which is more convenient than Jiaozi.

From this day on,

The Royal Bank business gradually began to develop.

Time flies,

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On the day of the New Year, people are lively and lively for the New Year, and on the fifteenth day of the first month of another year, look at the lanterns, the fish and dragon dance, and the half moon, and the second dragon in February raise its head.

Because of several policies announced by Song Huizong last year,

A lot less exploitation,

The life of the people of the Great Song Dynasty has been much better, and all parts of the country are also very stable.

Yesterday there was a heavy snowfall in Bianjing, the world became white, Lin Yi felt that this should be the last heavy snow of the year, it didn't feel cold at all, and the sun only felt that the air was moist and comfortable.

When they came to the palace hall, the officials saw Lin Yi surrendering their hands one after another.

Lin Yi said hello and walked forward,

Now his position, only below Cai Jing, is the deputy prime minister of Shaozai, and he stands in the front row side by side with Cai Jing.

"I've seen Cai Xiang."

Lin Yi greeted Cai Jing when he saw him.

Cai Jing hurriedly returned the salute, "Lin Xiang." ”

Before the emperor came, everyone was chatting in twos and threes, Cai Jing looked at Lin Yi and said, "Lin Xiang, someone came to me to report the matter of the Royal Bank." ”

"Oh, what's the matter?" Lin Yi asked.

"Since the opening of the Royal Bank, the business of the government-run Jiaozi shop has been greatly discounted, and after the Royal Bank received the Jiaozi, it took the Jiaozi ticket to the bank to exchange silver or copper coins, and now the bank has been unable to make ends meet, and the three departments are very anxious." Cai Jingdao.

"Well, that's a problem." Lin Yidao.

And then

That's it.

Cai Jing looked at Lin Yi, "Then how is Lin Xiang going to solve it?" ”

Lin Yi looked at Cai Jing in surprise, "The three divisions and the household department are not under my control, this is Cai Xiang's scope of responsibility, I can't put my beak at will." ”

Lin Yi is now in charge of the Ministry of Rites and the Ministry of Industry, and the Ministry of Officials, the Ministry of Households, and the Ministry of Punishment are still under the responsibility of Prime Minister Cai Jing, as for the three divisions, they are directly responsible to the emperor.

At this moment,

The eunuch shouted that His Majesty had arrived.

Everyone hurriedly stood up, greeted His Majesty, and began to deal with government affairs, and the three divisions were the first to stand up.

The problem is that the Royal Bank has squeezed the space of Jiaozi because of the exchange and issuance of silver bills, and the Royal Bank also took a large number of Jiaozi to Jiaozi Bank to exchange cash, and now Jiaozi Bank has no cash to exchange.

That's a big deal.

Many ministers began to talk about it.

If there is no money in the treasury, once the people lose confidence in Jiaozi, Jiaozi's status will plummet, this kind of thing has not happened, the so-called paper money, nothing more than national credit, if there is no credit, paper money is equivalent to straw paper.

Song Huizong looked at Cai Jing.

"Cai Xiang, you are in charge of the three provinces of Shangshu, Menxia, and Zhongshu, how do you think you should deal with this matter?"

Cai Jing was also very embarrassed.

If we follow the experience of the past, it is to shut down the Royal Bank, and then take the money back and replenish it to the treasury, so that no other similar banks will appear from now on.

But this is the royal bank, the emperor's property, if he dares to say these words, Song Huizong will simply let him go.

There is another way,

He really couldn't think of it.

However, he is also cunning and cunning, kicked the ball to Lin Yi, and arched his hand: "Your Majesty, the minister thinks that Lin Xiang's opinion should be asked on this matter, he is in charge of the Royal Bank, and he knows this matter best." ”

Song Huizong looked at Lin Yi.

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【I have a game world】 【】

"Lin Qing, what do you think about this matter?"

Lin Yi is out of the ranks,

Bow down,

He said loudly: "Back to Your Majesty, I would like to report to Your Majesty the results of the Royal Bank in the past three months. ”

Song Huizong smiled and nodded.

"Lin Qing, you say."

"In the three months since the opening of the Royal Bank, a total of 26.56 million bank bills have been handled, 43 million deposits have been absorbed, and 10 million loans have been borrowed, and now the total amount of bank deposits in the Royal Bank has exceeded 50 million."

The minister of the palace was shocked when he heard this.

It's only been open for three months.

There are fifty or sixty million yuan, and this ability to absorb money is really strong.

In fact, the deposit of this money, the Royal Merchant Bank and the Treasure Pavilion is the majority, and most of the money is handled by wealthy merchants from all over the world, and now they know the convenience of the Royal Bank, many businessmen have to exchange silver tickets to carry business, and abandon the silver or even the handover.

Song Huizong was very happy.

"Okay, good, Lin Qing did a good job, by the way, how do you think the matter of Jiaozixing should be solved?"

Lin Yitang said: "It's complicated to say it's complicated, and it's simple to say it's simple. ”

"If it is purely in terms of business operation, there is no solution to this matter, after all, the bank has no money, once Jiaozi loses its credibility and breaks out, it is likely to cause social unrest, and this matter needs to be taken seriously."

"But to say simple and simple, the minister's opinion is to merge the Jiaozi Bank into the Royal Bank, the Jiaozi Bank has a single function, only the issuance of Jiaozi and the exchange of a role, when encountering the Royal Bank, there will be a risk immediately, indicating that the Jiaozi Bank has fallen behind and must be innovated."

"There are several advantages to handing over Jiaozi Bank to the Royal Bank, that is, the exchange of Jiaozi is guaranteed by the Royal Bank, and there is no need to be guaranteed by the state, which saves a lot of trouble?"

Some officials asked, "How does the country use the money?" ”

Lin Yi replied: "The purpose of Jiaozi's issuance at the beginning was not to plunder the people's wealth, let alone to fish with all their might, but to facilitate the people. ”

The official who asked the question immediately shut up.

"As for the state's use of money, the tax burden is enough in normal times, and in case of emergency, the imperial court can borrow from the Royal Bank, which is a national industry after all, and the interest can be reduced to a minimum."

Immediately, Lin Yi began to popularize financial knowledge to the officials present, and Lin Yi casually took out some theories of later generations, which could fool these officials, and many officials couldn't help but nod their heads.

Finally, Song Huizong announced.

From this day forward,

Lin Yi was in charge of the three divisions and the household department, and at the same time, all the Jiaozi Bank was merged into the Royal Bank, and all the financial affairs of the state in the future were handed over to the Royal Bank.

Lin Yi's rights increased again.

...... Count down to 5.