Xiao Ming knows all the processes of the bank in modern financial enterprises, and the largest part of the business is lending, and the interest is calculated according to the basis according to the percent, which is a bit high, but the silver village is for the purpose of making profits, so the first to stipulate it.

Another business of the silver bank is deposits, and the base interest is calculated according to 0.5 percent, that is, the interest of depositing 1,000 taels of silver for a year The silver bank needs to pay 5 taels of interest! According to the benchmark of general private lending in the market, it will be lowered, but this one out and one in will bring 50% of the income!

At that time, the people of the Great Song Dynasty did not have the habit of going to Yinzhuang to deposit money, and they were hiding some silver at home, and some people collected the iron money and hid it under the bed or in the yard by hanging tens of thousands of dollars, and the rope that the insects ate and the rats bit was broken! If you want to attract a large number of retail investors to save money, you need to advertise!

So Xiao Ming copied all the marketing skills of later generations, beating gongs to encourage lions, sending people around to scatter leaflets, and bringing a bunch of hydrogen balloons from Hangzhou to pull the banner in mid-air, but there are always more people watching the excitement and fewer people actually taking action! made Xiao Ming very depressed!

Afterwards, he and Ai Qili analyzed, feel that the current is still the market education period, everything can not be in a hurry, Taiping Yinzhuang is subordinate to the large enterprise of Richanglong, to expand the influence also need to take a slow time, but according to the reputation of the old number of Richanglong for many years, it is possible to start from some often business dealings and merchants to make ideas.

In the southeast area, after all, Richanglong is a business name and most of the young, and the business house is also a giant level, which is also guaranteed by reputation, so some merchants still trust it, and many current accounts are paid in advance or Richanglong in advance, and in the past, Chinese did business with a reputation and long-term.

Therefore, it is the most important thing to send someone to find such a customer first, Ai Qili arranged for people to work for a few days, and it has some results, but the results are not great, and there are also merchants who are willing to deposit the silver in Tianping Yinzhuang, but there are few who save for a year, because they are all cash flow is relatively large, which is a test of Taiping Yinzhuang's accounting ability.

For large amounts of money, people will also incur interest if they save for a day, and you must account for it clearly and pay the interest accurately, but you can't make a profit by lending this money! It seems that the steps are a bit big again! For this reason, Xiao Ming asked Ding Jianpeng to find him a few pieces of information on the business model of "Qianzhuang" in the eighteenth and nineteenth centuries, and wanted to find some way out of it.

After Xiao Ming went home, he was still depressed about this matter! Su Caier asked him why he was depressed? Xiao Ming told her the reason for this incident, and he didn't know what he did wrong! But Su Caier smiled! said something to Xiao Ming.

"Xianggong is really confused for a while! Folk things have always been done by everyone, your idea of opening a silver village in the southeast is right, but after all, it is not as good as the capital, and the official family does not pay attention to it, the Great Song Dynasty is popular for any thing, that is from the capital first, you might as well open the silver village to Bianjing first, and take the official route"

Xiao Ming thought about it, Cai'er was right! As long as many things are related to the government, it is naturally much easier to do, and the common people see things that even the government respects, so how can there be any reason not to follow the trend! Moreover, the government pays taxes every year, and these money sometimes sit in the treasury for several years, and as long as this money enters the bank, the profit obtained from turnover will definitely not be calculated.

But if you drive Yinzhuang to the capital, you will inevitably have to toss, and this matter will inevitably have to be done yourself, so won't you have to leave home for a long time? He really doesn't want to leave when Shen Bei'er is in labor now, and after thinking about it, he thinks that he doesn't need to rush to Bianliang, Tokyo to open a branch for the time being, but he can start from the government in the southeast and other places first.

The government in the southeast and other places has always had a good relationship with Richanglong, and this is naturally not possible if it is not used, and Xiao Ming's intention to open Yinzhuang in the southeast is the first consideration of the problem of borrowing from merchants in the seafaring trade, but fortunately, the reserves of Yinzhuang are sufficient, so there is no need to worry about this.

The trip to the capital is a step that Xiao Ming must take to consider, this is mentioned on the agenda, but when to go, it will have to wait until the child is born, the previous work must be carried out, and the later work must keep up, Xiao Ming just wrote down the things that need to be done with paper and planned it, but he didn't dare to show it to Su Caier.

Cai'er and Bottle'er actually knew Xiao Ming's plan, he didn't want to say it, so he pretended to be confused, and it was a kind of happiness for the three of them to get together, but if you want to satisfy this kind of hard work, you can't do anything!

The Senate held a meeting, at which someone raised the issue of the city of Hangzhou, which was what Xiao Ming promised when he became the owner of Richanglong, for a long time, the construction of Hangzhou Port and the construction of the wharf were at a high speed, and Richanglong did need to carry out overseas trade as soon as possible, which was also one of the important things that Xiao Ming needed to go to the capital to do.

Su Mansion has a better house in Suzhou, Xiao Ming lives here with his second daughter, this time they didn't bring anything only some maids and wives, and Xiao Ming only took Gu Xiaoliu with him, there are few people and few free people, and they don't have to worry about all the food and clothing, Xiao Ming is here waiting for his child to be born.

The New Year has passed, the weather is slowly getting warmer, and in March, when the spring flowers are blooming, Shen Bei'er finally gave birth to a big fat son for Xiao Ming! Weighing seven catties and three taels, according to the local customs of Suzhou, this is a great joy technique, and the neighbors who got the news came to say goodbye!

When Wen Po took the child out to show Xiao Ming, Xiao Ming couldn't help but burst into tears! I'm finally out of the woods! But the child was born in ancient times, and his grandparents couldn't see it!

After the child was born, he cried loudly, and he slept after drinking milk every day, but Shen Bei'er was short of milk, Xiao Ming asked people to find another wet nurse, so the child had to drink two people's milk every day, and his body grew rapidly! The little face is flushed! The husband and wife tease their children every day, and they have endless fun.

Although such days are happy, but very short, not long after the child's full moon, before the Taiping Yinzhuang opened a branch in Tokyo, and greeted Xue Bingchang, at this time he came to an urgent letter, claiming that now is a good time to go to Tokyo to open a branch of Yinzhuang, thinking that the emperor is going to celebrate his birthday.

This year is the ninth year of Xuanhe, according to the tradition and calendar of the Great Song Dynasty, that is, the number of the country is every nine, the emperor will celebrate his birthday in a big way, according to the Ministry of Rites, the emperor's year name can not be used for ten years, but the number of nine is auspicious, which is also the sixth year name used by Huizong.

In the history of the Great Song Dynasty, only Emperor Renzong used a year name, which is unlucky, the reason for easy numbers lies in the fact that nine is the old yang, after the yang is the yin, where the old yang is after the yang to the yin, Huizong now has a belief in Taoism, and attaches great importance to this aspect.

The use of this country name, taboo more, you can not use the era name used by the emperor, Huizong's six era names are: Jianzhong Yasuguo, Chongning, Daguan, Zhenghe, coincidence and Xuanhe, then you have to choose a more suitable era name, in this regard, Huizong himself thought about many and was not satisfied, so he asked the bachelors of Tai Academy to think about him.

The scholars pondered and meditated, and after checking the classics, they chose a "morality!" for him. The year name, Huizong is very satisfied, catch up with his birthday in May, then the birthday celebration will be a big deal, after the birthday, the year name will be changed, so the whole world celebrates, the world amnesty.

Xiaoming also felt that this was a good opportunity, so after arranging the outfit, he said goodbye to his wife and children and went north to Tokyo Bianliang, when he left, Su Caier was quite reluctant, recently she has become more and more attached to Xiao Ming, Shen Bei'er is now all thinking about her son, but it makes Cai'er feel lonely, but she is a sensible person, although she is reluctant in her heart, she still sends Xiao Ming off, and pays attention to him A lot of letters, anyway, Fei Kite's family has it, and you can send a letter at any time to report safety!

In the end, Cai'er also wrote a song for Xiao Ming, which was a song called "Hate Parting".

The Yiren danced alone along the river, stepping along.

Butterflies peek at the flowers, beautify the face.

The hand is slender and erect, and the jade face is angry.

Tears welled up.

Just because Lang Jun doesn't return, the letter is still broken.

Xiao Minglin only remembered before he set off, and he hadn't named the child yet, and Shen Bei'er and Su Cai'er kept calling the milk name that was still there: Yun'er! Because the child always sucks his fingers, Xiao Ming thought for a long time and remembered that he was still born in Suzhou, so he named the child: Xiao Yunwu.

Xiao Ming took a boat to Jinling to wait, the guards mercenaries and tiger guards also rushed there to meet, everyone took a boat and went straight to Xuzhou, if you want to open a branch in Tokyo, then the preparation of funds is the most important, and Xuzhou's Tianping Iron Works and iron mines plus the enterprises in Taiping City are currently the richest in Xiao Ming's own industry.

Jie Zhicong is the actual manager of the entire Taiping City, the current Taiping City is not as good as before, here has been built like a medium-sized city in the Great Song Dynasty, with tall city walls, and many residents, the county order of Taiping County has been unable to govern, and the result is that the Xuzhou Mansion Yin sent people to manage.

However, Taiping City itself was a system of its own, and the Great Song Dynasty's system of taxation and forced labor was often ignored in Taiping City, and the city had its own guards, and there was no need for the management of the Great Song government at all. But Jie Zhicong is still relatively low-key, his relationship with Xuzhou Mansion has always been very good, and he has set up a three-level official office in Taiping City, and the corresponding tax revenue still accounts for sixty percent of Xuzhou Mansion, so the government is also very recognized by this, and the existence of Taiping City is also natural.

Xiao Ming met with Jie Zhicong to discuss the opening of Yinzhuang in Tokyo, of course Jie Zhicong supports, Yinzhuang This kind of thing can be understood by any businessman with a keen mind, and now the high-level leaders of Taiping City basically listen to Xiao Ming, the mine manager Li Laohe and the guard general Hao Stick, as well as the cement factory and the director of the glass factory are all promoted by Xiao Ming, so naturally they have nothing to say.

So Xiao Ming took a million taels of silver from Xuzhou Taiping City, escorted by the guards and mercenaries all the way to Bianliang, Tokyo, from a distance, the scene of Bianliang City is very different, the first thing that catches your eye is a spacious road outside the city, it is actually a cement paved road!

The cement road is full of horse-drawn carriages, two-wheeled and four-wheeled are the most, and there are also a lot of people riding horses. It seems that after years of trade with the Liao State, coupled with the fall of the Western Xia Kingdom, the Great Song Dynasty is now completely short of horses!

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