As soon as the news of the Royal Bank's launch of the deposit of green seedling money came out, it immediately aroused heated discussions among many people.

"I know the loan money, what is the matter with this deposit money?" Many Kaifeng people were puzzled.

"It's not easy! You will give the court principal and interest when you lend Qingmiao money, and the court will give you principal and interest when you deposit Qingmiao money! One merchant was succinct and to the point.

This is also the name of Fan Zheng's deposits and loans in later generations, but directly borrowed Qingmiao money, and the people of the Great Song Dynasty could understand it.

"And this good thing?" Many Kaifeng people said excitedly.

"A good thing? That's our hard-earned money, how can it be easily handed over to someone else. "There are also Kaifeng people who avoid Mo Shendao, and everyone knows that the money is safe in their own hands, so they are naturally unwilling to hand it over to others for safekeeping.

"Safe in your own hands? Not necessarily. Someone else sneered.

Kaifeng City has a population of more than one million, and people of three religions and nine streams abound, and at the same time, there are many criminal cases of thieves and robbers, seeking money and killing people.

In particular, businessmen need to operate, often use money to flow, and a large amount of money is not safe in their hands, and often become the target of thieves and robbers.

There are also wanderers from other places, who have no relatives in Kaifeng City, and it is difficult to move an inch without money on their bodies, and if they have too much money, they are worried that others will see the money, and the current seedling money of the Royal Bank, which is safe and can be accessed at any time, has quickly become the best choice for these people.

With the frequent use of current Qingmiao money by Kaifeng merchants and foreign travelers, it is safe and convenient, and gradually won the trust of the people of Kaifeng.

However, for the death period of Qingmiao money, many people frowned, and they couldn't help but be taboo.

The treasury bonds also have the imperial court to ensure repayment, and the interest rate is high, but the death period of the green seedling money is also long, but the interest is much lower than the treasury bonds.

"Treasury bonds cannot be withdrawn in advance, but the dead seedling money can be withdrawn at any time according to the interest of the current seedling money." There is a popular science road for the people of Kaifeng.

Moreover, when the people learned the difference between living and dying, they were relieved.

"The annual interest rate of the loan Qingmiao money is one cent, and the annual interest rate of the Qingmiao money is two percent, the evil doctor Fan Zheng is really calculating, so as soon as he enters and exits, the Royal Bank earns eight percent interest." The merchant said with envy.

"Two percent interest is fine, one hundred yuan a year two yuan, one hundred yuan a year interest two yuan." Many people crossed their fingers and counted slightly.

It is not safe to bury money at home, and it is not possible to generate money, and it is safe to keep it in the bank and get a certain amount of interest every year, which makes many people slightly moved.

Although the interest rate of treasury bonds is high, but the time is too long, in case of urgent need for money, but the treasury bonds can not be realized in time, and the interest of the dead green seedling money is less than the national debt, it is better to be flexible, and the current and dead green seedling money and the national debt have their own advantages and disadvantages, then it depends on the personal choice.

Besides, now that the treasury bonds have been sold out in just one month, even if you want to, you can't buy them, and the dying green seedling money can be saved at any time.

The real wealth of Da Song is not the merchants, the merchants need a lot of money to turnover, and the flying money business is tailor-made for the merchants.

And the real riches of the Great Song Dynasty are the big landlords! The most valuable possession of this era was land.

In the 100 years since the founding of the Great Song Dynasty, during the 100 years of peace, the major landlords have accumulated a large amount of money, which is mainly silver with high value and easy storage.

Although the regular green seedling money has been explained, the major landlords who really control a large amount of gold and silver are still waiting and seeing.

Fan Fuzhong!

When Fan Zheng returned to Fan's mansion tiredly, he found that Li Qingzhao had turned over all the money in his family.

"What is this for?" Fan Zhengda was puzzled.

Li Qingzhao said proudly: "Xianggong's death period Qingmiao money is not supported, and the concubine is ready to save all the dowries brought by the concubine to support Xianggong." ”

Fan Zheng couldn't help but laugh and said, "What can you do with this money?" ”

Li Qingzhao said solemnly: "Although the concubine's money is a drop in the middle, it can represent the attitude of the Fan family, and even the Fan family itself has deposited the death period of Qingmiao money in the Royal Bank, and other colleagues will surely follow suit." ”

Fan Zheng was suddenly enlightened, yes! If he leads by example, he will be able to make the people of the world believe in the Royal Bank.

"The lady is worthy of being the most talented woman in the world, and she has solved the biggest problem for her husband." Fan Zheng picked up Li Qingzhao and kissed him a few times when he heard this, and laughed.

"Where's broad daylight?"

Li Qingzhao slapped Fan Zheng's chest a few times in disgust, but the force of his hand became lighter and lighter.

On the second day, Li Qingzhao took his dowry and Fan's family wealth with great fanfare and went to the Royal Bank to deposit the death date.

Followed by. The other three rooms of the Fan family, Su Shi, Zhang Lei, and other families who are good friends with the Fan family also came to the Royal Bank to make deposits, which immediately caused a lot of heated discussions among the people of Kaifeng.

"Even the Fan family and the family they are friends with come to save the Qingmiao money during the death period, there should be no problem." Some Kaifeng people nodded.

"The money can be withdrawn at any time, how do you know that this is not them acting, and they will be withdrawn after a few days." There are also stubborn people who are still skeptical.

Immediately another piece of news came, the doctor announced that the income, expenses and salaries of the major hospitals would be handed over to the Royal Bank.

As soon as this news came out, Kaifeng was in an uproar, you must know that the doctor is Fan Zheng's biggest backer, and he handed over all the money and property of the doctor to the Royal Bank to take care of, so he is naturally very confident in it, not to mention, the golden sign of the royal family.

At present, some Kaifeng people who have surplus wealth have no doubts about the death of Qingmiao money, after all, there is a certain amount of interest every year, which is an additional income.

……………………

"Father! The Chen family has missed the national debt, and they must not miss the dead Qingmiao money again! ”

Kaifeng County, Chen's rich man's house, Chen's son said bitterly.

When the treasury bonds were just issued, the Chen family urged the rich man Chen to take out his family wealth to buy the treasury bonds, but the rich man Chen regarded money as his life, and he was unwilling to buy the treasury bonds.

"The annual interest rate of the five-year treasury bond is 5% and 100 yuan, and you can get 125 yuan after five years, you don't want to, you bury the silver in the soil, what can you do, can you still plant a cash cow?" The son of the Chen family was heartbroken.

Chen Caizhu is extremely conservative, and although the interest rate on the national debt is high, he still has a lot of worries and is ready to hesitate to wait and see.

But who knew that only a month later, 10 million yuan of treasury bonds were snapped up, which made the Chen family regret it and missed the opportunity.

Now the Royal Bank has launched the deposit of green seedling money, although the interest is not as high as the national debt, but it is extremely flexible, you can use it at any time, and you will immediately persuade my father.

"Although the five-year death period is only three percent, the principal of one hundred guan can also get one hundred and fifteen yuan of principal and interest in five years, my Chen family's thousand-guan family property can increase by one hundred and fifty yuan in five years, and ten years is three hundred yuan, and my Chen family's thousand-guan family wealth has been buried in the ground for at least thirty years, if the Royal Bank existed early, at least one thousand yuan less earned." The son of the Chen family was heartbroken.

The rich man Chen exclaimed: "If it is deposited in the Royal Bank, it will only take more than thirty years, and the Chen family's family property will be doubled?" ”

"This is still the lowest plan, if you buy five percent of the treasury bonds, the Chen family's family property can double in twenty years!" The Chen family is as greedy for money as the rich man Chen, the only difference is that the rich man Chen is stubborn about money, but the Chen family does not miss any opportunity to make money.

"But if the Chen family is in urgent need of money?" Rich Lord Chen hesitated.

The Chen family is a big family, and there are many times when he needs money, which is one of the reasons why he is reluctant to buy treasury bonds.

The Chen family son persuaded him: "The Chen family will naturally not deposit all the Qianguan family property at one time, but can keep some current green seedling money for backup, save some during the death period of one to five years, and have the opportunity to buy some treasury bonds with higher interest rates next year, so that the Chen family's wealth can be doubled in 30 years, which is comparable to the output of a thousand acres of fertile land." ”

You must know that the Chen family can have more wealth today, it took a hundred years to accumulate, and now it only needs to be deposited in the bank to double the family wealth in 30 years.

The rich man Chen was suddenly moved, and finally nodded in agreement, and decided to deposit the Chen family's money in the bank.

On the same day, the Chen family father and son dug out the silver ingots buried in the ground, and thousands of silver ingots were carefully wiped clean one by one.

The Great Song Dynasty adopted the hexadecimal system, one catty is equal to sixteen taels, and one thousand taels of silver is less than 100 catties.

"Is this really reliable? In case the certificate of deposit is lost. ”

Looking at the thin voucher in his hand, Rich Chen was still unsteady in his heart as if he was in a dream.

"Didn't my father press his fingerprints, even if he lost them, he could take them out again with his household registration and fingerprints." The Chen family explained.

Since Su Dun used the fingerprint method to solve the case, fingerprint drawing has been widely used in various fields, and one of the most important credentials of the Royal Bank is the fingerprint method.

"But ............." Rich Chen still hesitated.

The Chen family said helplessly: "If my father doesn't believe it, you can go to the Royal Bank to withdraw the money." ”

Looking at the plaque of the Royal Bank, the personal signatures and jade seals of the official family, as well as the landlords and old fortunes who obviously came to the Royal Bank with money and hidden treasures, several of them were a little familiar, and finally nodded heavily.

The richer Chen's family is not alone, the richer the person, the more calculating, and the more money he has, the more interest he will get.

There are profits and losses in doing business, although it makes money by putting the money in the ink, but the Qingmiao money of the imperial court has already impacted the money of the ink, not to mention the risk of defaulting on the account, and there are not only potential safety hazards but no interest when buried at home.

On the whole, depositing in the Royal Bank was the best choice for the feudal conservative, miserly and money-greedy landlords of the Great Song Dynasty.

Boxes of gold and silver were dug up and sent to the Royal Bank, and then to the Minting Prison, where they were minted into silver coins and sold to the market.

The silver coins flow into the market, go around in a circle, and then are deposited into the Royal Bank.

With the high-speed circulation of silver coins, the current situation of the original money shortage in the Great Song Dynasty was cured, and throughout the second year of Shaosheng, the Royal Bank became a hot name in the Great Song Dynasty.

……………………

"Congratulations to the Royal Bank for depositing 10,000 yuan of Seedlings!"

At the beginning of the third year of Shaosheng, a bright red banner was hung in front of every royal bank in the cities of the Great Song Dynasty.

The whole world was shocked.

"Wanwan!"

Hundreds of people exclaimed, not to mention that they had seen so much money, or that they had never heard of so much money.

The annual financial income of the Great Song Dynasty is only 80 or 90 million yuan, and the royal bank has deposited more than 10,000 yuan of green seedling money, which can be said to be rich and rival the country.

As soon as this banner came out, it had an unexpected effect.

The landlords and old fortunes who were originally worried about their money have put their minds at ease, the principal of the Royal Bank has reached tens of thousands, and their hundreds or thousands of dollars are not worth mentioning at all, so they don't have to worry that the Royal Bank can't withdraw the money.

In the court,

After the hundred officials got the news, the imperial court was shaken, and Zhao Xu and the hundred officials immediately summoned Fan Zheng over.

"Does the Royal Bank really have a million dollars in it?" Zhao Xu still couldn't believe it, even he, the emperor, had never seen so much money.

"Not bad! And this is only the Seedlings money deposited by the Royal Bank for half a year after it opened, if nothing else, the Royal Bank will deposit more and more Seedlings money in the future. Fan Zheng said proudly.

"Ten thousand, even if it is according to the average interest rate of two percent, then it is not necessary to pay two million yuan of interest a year." In the court, the ministers of the Manchu Dynasty were in an uproar when they heard the news, and if there were more in the future, wouldn't it be that the interest money would also skyrocket.

For a long time, the Great Song Dynasty court was troubled by the lack of money, and now the Manchu Dynasty officials have experienced the trouble of having too much money for the first time.

"The imperial court has already issued 10 million guan of treasury bonds, and now it has to pay 2 million guan of interest every year, plus the expenses of the court, this burden is probably heavier than the previous annual coin." Cai Jing reprimanded angrily.

Fan Zheng shook his head and said: "Ministers, don't be confused, the 10 million national debt is the debt of the household, and the Royal Bank is responsible for underwriting, but it is not the debt of the Royal Bank, the Royal Bank is responsible for its own profits and losses, and only needs to be responsible for the interest on the deposit." ”

"Two million yuan a year or even more bank interest in the future, Fan Taicheng is sure to be self-responsible." Fan Chun kindly reminded.

You must know that the interest on the 10 million guan treasury bond is only 500,000 guan at most, which is already a heavy burden on the household, but the Royal Bank directly has to bear the interest of 2 million guan, which is not something that one person or one department can bear.

This money, if placed in a small country, is enough to bring down a small country.

Fan Zheng nodded and said, "Yes, the Royal Bank will be responsible for its own profits and losses, and it will bear the interest of two million yuan alone." ”

"I can't do it!" Cai Jing sneered.

According to the agreement between the Ministry of Accounts and the Royal Bank, all the profits generated by the minting of silver coins belong to the Ministry of Households, and now the flying money business is capped due to the cap of Baiwen, although the income has increased, but it is also extremely limited.

Fan Zheng said proudly: "What's so difficult about this? Wouldn't it be easy to just lend out the 10,000,000,000 yuan of green seedling money, and to recover 2 million yuan. ”

"Loan out thousands of seedlings?" The officials of the Manchu Dynasty couldn't help but be shocked, and looked at Fan Zheng in disbelief, a transaction that had never appeared even between countries, and now it actually appeared in Fan Zheng's mouth.

(End of chapter)