"Big brother, compared to your younger brother, these properties are still not enough, I got 300 million beautiful country banknotes here!"

"According to the exchange rate of one to seven, a total of 2 billion Chinese coins can be purchased, and more than one billion catties ......of rice can be purchased."

Zhu Youxiao was shocked: "More than a billion catties of rice!" ”

Zhang Yan took out a dollar: "This kind of money is more than my Huaxia 100 yuan for seven?" ”

Zhang Yan frowned and said: "The Westerners on here are ugly, and the color is not good-looking, why!" ”

Zhu Youxiao also took one when he heard the words and looked at it carefully.

"It's true that it's not as beautiful as my Huaxia red coin, who is this person?"

Huang Xiaodao: "One of the founding fathers of the beautiful country, Franklin, was born eighty-one years later, and he is a character. ”

Zhu Youxiao nodded.

"This is the most powerful country in the fairy world, and their paper money is definitely worth more than other countries, but in Daming, I want this beautiful country to never appear again! And let my Ming coin be the most valuable coin in the world! ”

Huang Xiao nodded: "Big brother is the same as I thought." ”

Zhang Yan asked: "Doesn't that mean that the beautiful country only needs to constantly print paper money to buy the materials it needs all over the world?" ”

Huang Xiao laughed: "Sister-in-law asked well, that's pretty much what it means!" The reason why this country is strong is, on the one hand, that it is leading in military weapons and has developed science and technology, and in addition, this dollar is another invisible weapon of mass destruction! With these two items, it can dominate the world! ”

"However, in recent years, my Huaxia has also hit the beautiful country in two aspects, and I believe that in the near future, my Huaxia will once again stand on the top of the world!"

Zhu Youxiao nodded.

"What is the Daming Royal Bank that Brother Xian just said? Currency exchange? Isn't that similar to a money bank? ”

Huang Xiaodao: "This is a very complicated institution, and it is also an extremely important institution, and it is not too early now, so I will make a long story short, and I will give you a copy of the information when I go back." ”

"Although it is similar to the money bank, but it is by no means the same, first of all, the royal bank is a state act, the issuance and regulation of currency, are its scope of responsibility, in addition, it has another important function, to ensure the convenient circulation of currency, for example, Liu Cheng confiscated 80 million taels of silver in Zhangjiakou, to be transported back to Beijing, labor and mobilization, and it is not safe, if there is a bank, it can be stored in the Zhangjiakou branch on the spot, and it can be withdrawn in Beijing with a voucher."

"Some of these features have been implemented in some of the larger banks, and Royal Bank is just more secure and has more outlets."

Zhu Youxiao nodded.

Huang Xiao continued: "It also has a more important function, in the past, most of the money of my Ming landlords and wealthy businessmen were melted into big silver melons and buried deep in the ground, so that the silver on the market was not well circulated, and there would be a silver panic, which would have an impact on the development of commerce and trade, people's livelihood and even the operation of the country!" ”

Zhang Yan nodded.

"The big silver melons that Liu Cheng brought back are all hundreds of catties, and the largest one is said to be nearly 1,000 catties."

Huang Xiao laughed: "Yes, what is the use of such a big silver melon except for burying it in the ground?" If it can't be circulated, it's like a pile of waste stones, but if he stores this big silver melon in the Daming Royal Bank, we can melt it into a silver dollar, so that it will circulate smoothly, and then it will promote consumption. ”

Zhu Youxiao interrupted and asked, "But...... How to get these landlords to keep their gold and silver in the bank? ”

Zhang Yan also looked at Huang Xiao curiously.

Huang Xiao smiled: "Our bank here adopts the method of giving interest to attract people to deposit their money in the bank. ”

Zhu Youxiao and Zhang Yan were taken aback.

Zhu Youxiao was surprised: "Help him keep the storage, and give him interest?" ”

Huang Xiao nodded.

Zhu Youxiao said: "What is the interest? ”

Huang Xiaodao: "The annual interest is about three to four thousandths, for example, the eldest brother has 100 million taels, which is deposited in Daming Bank, and the bank will pay the eldest brother 340,000 taels after a year!" ”

Zhu Youxiao was shocked: "Then don't I have to do anything, and I can't eat up the interest alone?" ”

Huang Xiao laughed: "Yes, congratulations to the eldest brother for being financially free!" You can lie flat! ”

Zhu Youxiao didn't seem to understand, and he also smiled.

"So, my money can also be deposited in the Royal Bank?"

Huang Xiao nodded.

Zhu Youxiao frowned and said, "But, in this way, wouldn't the Royal Bank have to lose money?" If everyone in the Ming Dynasty keeps their silver in the bank, it won't be long before the Royal Bank will close just by paying interest! ”

Huang Xiao smiled: "No, big brother, the bank is the most profitable institution in the world, let's put it this way, our current Huaxia country, more than a billion people, in fact, the vast majority of them are making money for the bank, such a base, it deserves to make a fortune!" ”

Zhu Youxiao, Zhang Yan, the two were shocked!

Zhu Youxiao asked: "Why is this?" ”

Huang Xiao said with a smile: "First of all, the bank is not a philanthropist, after it pays interest, the money it gets will not be rusted in the vault, it will lend out." ”

Zhu Youxiao said: "Usury? ”

Huang Xiao shook his head, "It's better than usury, but it's not low, of course, we are in Daming, in order to invigorate the economy, we can naturally make it lower, as long as we ensure that we make a balance and make a little profit!" ”

"In this way, we can not only afford to pay the interest, but also suppress the unreasonable usury of the people, and at the same time can also inhibit land annexation, for example, Zhang San, because of a serious illness needs to urgently use ten taels of silver, in the past, he borrowed usury, and soon he will be in debt, so that he mortgages the land!"

"If Zhang San borrows money from our bank, ten taels, a year, we will count five hundredths, and he only needs to repay an extra 500 copper plates, so that for Zhang San, his pressure is less, and he doesn't have to sell his children or land. For our bank, if you pay 5/1,000 interest, you will make a tenfold profit when you change hands. ”

Zhu Youxiao nodded again and again.

"I see, it's wonderful! And for the benefit of the country and the people! Banks have to do it! Gotta do it! ”

Zhang Yan said worriedly: "But we don't have the advanced technology and talents like the fairy world, this bank must be very complicated to calculate, I'm afraid that it won't be able to succeed for a while." ”

Zhu Youxiao nodded: "What Baozhu said is very true!" Brother Xian, do banks all use that kind of computer that calculates very quickly? ”

Huang Xiao smiled: "Big brother guessed right!" My sister-in-law's concerns are also very reasonable, but I also have countermeasures. ”

"I acquired a company, has let them in the research and development of the banking system, although not as fast and convenient as my time, but certainly not a big problem, and then select smart students to train, I believe that Daming Bank will be able to do it, and succeed!"

Zhu Youxiao saluted when he heard the words, "Brother Xian has worked hard and has a far-sighted vision, so act according to what Brother Xian says!" I'm really looking forward to setting it up sooner! ”

Huang Xiao replied: "If you want to hurry, you can't reach it, big brother, don't worry, I will do it as soon as possible." ”

Zhang Yan said: "Okay, then let's talk about this treasure banknote, Your Majesty, do you think Huang Xiao's avatar is only worth a penny?" The concubine felt that it was inappropriate. ”