Zhu Yuanzhang thought about it and took a sip of tea: "Poof~~ What kind of tea?" Bitter! ”

"Kuding tea, it is indeed a little bitter, it is medicine." The governor introduced.

"Change, we're not on fire anymore, it's like Coptis water." Zhu Yuanzhang didn't want to take a second sip.

"Change, come, give, drink, hair, hey, hey, hey, hey!" Zhu Wentian immediately brought a teapot to replace it with a new green tea, Huangshan Maofeng.

"There are people in the gold and silver shops who have other people's gold and silver, and they charge a certain fee for keeping it, and if someone else goes to take the gold and silver......

Zhu Yuanzhang took a sip of green tea and found that it was sweet, because the bitter tea was too bitter, there was a contrast, and he said about the gold and silver shop.

"Your Majesty, it just so happens that we will open a bank, and it is okay to call it a bank, but the bank is better, and the function needs to be explained in the future, and the noun is easier to apply.

If someone goes to the gold and silver shop to withdraw money, let them come to our bank to get it, just check the account of the gold and silver shop by the way to see if there is any yang and yin violation.

The agreed monthly interest shall not exceed three points, and if it is exceeded, we can still earn back one-thousandth of the interest money. ”

According to what the governor said, to promote the banking industry, financial services to keep up, and the issuance of treasure banknotes, it is inevitable to need a channel for back and forth exchange.

A branch of a bank was opened next to the department stores in each prefecture to collect deposits, loans, currency exchange, and bill exchange......

"So, there will be no more gold and silver shops in the future? No, they can be used exclusively to help people with gold and silver jewelry.

Who is responsible? You need to be trained, right? Anyway, we're tired of learning about it, and it's finally going to come in handy.

The sergeant left behind? I'm afraid that they won't learn well, and we'll buzz when we look at some of the things you write. ”

Zhu Yuanzhang got some of the banking business content that Li Chang copied, which is very simple for Zhu Wentian, and it has not yet involved other functions of the central bank!

When deposits and loans have interest, it is the beginning of finance, which regulates deflation and inflation through reserve ratios and interest rates.

In addition, there are foreign trade profits to exchange collateral and take out treasure money, and open market operations for lower-level banks......

If it was changed to the Tang Dynasty, Zhu Wentian would never throw the bank out so early, after the Song Dynasty and the Yuan Dynasty, the financial industry already had a foundation, and businessmen and ordinary people knew it.

Without the Qing Miao Law of the Song Dynasty, the people would also borrow money when they were in a state of flux, so Zhu Yuanzhang demanded that the interest should not exceed three cents per month, 36 percent a year.

Zhu Wentian wants to push this to less than 6 percent, or even 3 percent, because the interest rate on deposits is low, and everyone else will have to consume money and custody fees, and the bank will pay back the interest to the people, and they will be happy to give 1 percent.

The higher the interest rate of borrowing, the faster the rate of inflation, and it is very easy to control the use of low interest rates to curb high inflation and the use of high reserve ratios to deal with runs.

Later, some smart people feel that they understand the operation of Daming Bank, and want to exploit loopholes in it, and then teach them how to behave.

Including the high output of silver in Yiren, they want to use it to impact the Ming financial system, and swallow as much as they want.

"Your Majesty, they don't need to learn too complicated theories, as long as they learn the operation well, the bill of exchange adopts the quadruplicate rule, and it is no problem to learn how to fill it out according to the format."

The lieutenant has a headache learning himself, but he has to learn.

"Quadruple? Our department stores use triplets, and taxes are also collected, how did you come up with it? What to eat in the morning? ”

Zhu Yuanzhang drank two sips of tea, became even more hungry, and didn't want to spend any more time on it, so he hurried to eat.

"Your Majesty eats shredded radish and oyster tofu soup, and the others correct it according to their physical condition, but the crown princess eats differently."

"Eat, do you have mutton buns?"

"Yes, but Your Majesty can only eat pork buns and mutton."

"Then let's eat steamed dumplings, and the vinegar won't be all sucked by the noodles."

"Okay, and laba garlic."

So Zhu Wentian drank the radish soup and ate a satisfying dumpling, and immediately sent someone to the gold and silver shop in Nanjing to borrow gold and silver.

At the same time, bring the account, who wants to withdraw the gold and silver back to the bank that has been temporarily established by the convenience of the people.

However, those who want gold and silver will be charged a storage fee according to the rules of the gold and silver shop, and those who do not want gold, silver or copper coins will be given an equal amount of treasure money, and the storage fee will be waived.

……

"Hanhan, there is no gold and silver shop that is clean, and they can make a profit of five cents at most.

In a year, according to 12 months, it is 60%, and the key is to have equal principal and interest on a monthly basis.

This is not 60 percent, if you don't stop first and then the cost, it is too much worse, and people can't breathe. ”

The lieutenant chief went to Han Han at night to talk about the day's affairs, and the imperial court now has audit masters, and Xiaqiu Village has not sent anyone to help.

Zhu Wentian shook his head: "It depends on the use of funds, for example, I think it will take me eight to ten months to make money with the borrowed money, so I naturally hope that it will be interest first and then principal, otherwise I will not be able to draw money to repay the same amount of principal and interest."

If I can get a portion of the money every month, and the total interest of the equal principal and interest is lower than the first interest and then the principal, I will choose the equal principal and interest.

For the people who farm the land, in fact, it is better to pay interest first and then the cost for three months, and the grain can be repaid together after three months.

Banks can even subsidize the repayment of principal and interest, so that the people are under little pressure and do not have to pay back a penny before the harvest.

For the bank, there is no loss for any of them, and the equal principal and interest is less for a borrower, but it can be lent out again after recovering the principal and interest every month.

But either way, 60 percent is high, and 36 percent is also high.

Therefore, the state has national laws, the family has a home, and the gold and silver shop is waiting to be cleaned up! Well! Money, earn, easy, hehehehehe......"

Zhu Wentian knew that Zhu Yuanzhang was very happy to be caught, caught the handle of the gold and silver shop and the evidence of the crime, and gave you a cent of loan interest? Everything in my dreams.

……

The next day, in early February, the second dragon raised its head, and Zhu Yuanzhang invited officials and their families to come over to eat pork.

The whole pig head is marinated, and then processed, you can't sauce a pig head, as soon as the juice is harvested, it will be salty, and you can't continue to fry and mix.

And I took pictures today, after the last photo, we got the photos, color, it looks good, and I deliberately washed a few more copies, which is convenient for preservation.

Actually, I kept all the negatives! It can be washed out at any time.

Everyone arrived before the evening, didn't eat at noon, and ate some nuts and snacks when they were hungry, waiting for a good meal in the evening.

Some of the ministers were happy, some frowned, for example, Hu Weiyong was the latter, he always felt that something was wrong, but yesterday he checked the accounts of the Nanjing gold and silver shop, and said that the good housekeeper borrowed gold and silver to give interest, and as a result, he was arrested.

"What a mediocrity! Our good Zuo Cheng, you've worked hard lately! Hey, hey, hey, hey......"

Zhu Yuanzhang and others sat down and said to Hu Weiyong with a sincere face.

Hu Weiyong: "......"

Other Ministers: "......"

(End of chapter)