In the early days, the bank's business was relatively simple, only deposits and withdrawals, as well as the exchange of old and new banknotes, and Li Wei did not mention the loan first, for fear that they would not be familiar with it and would be prone to mistakes.

After three days of simple training, everything was ready, and the first commercial bank of the Ming Dynasty, Minghuang Bank, was officially opened on Ximen Street.

As the signboard was unveiled, the sound of firecrackers rang out, which immediately attracted some passers-by to watch.

"Banks? What is this for? ”

Wang Lao Er looked at the words on the signboard, and said to himself in confusion, and a "well-wisher" immediately explained to him next to him:

"I heard that it's something similar to a money shop, isn't the bank library shut down now? In the future, you can exchange old banknotes here, as long as you deposit them for one day, and then take them out the next day to give new banknotes, and you can take interest if you save more than a month! ”

The good Samaritan explained it to him in detail.

Li Wei decided this, firstly, to let the people be familiar with the process of depositing and attracting deposits, and secondly, to slow down the speed of banknote exchange, now he only has 500,000 new banknotes in his hand, and the stock of old banknotes in Jingshi is estimated to be more than 10 million yuan, and the matter of changing banknotes has to be done slowly.

He was a little anxious and said, "Don't say it, I have to hurry up and queue up!" ”

When that's all that, I'm leaving.

When Wang Lao Er heard that the new banknotes could be reversed here, his eyes immediately lit up, and he quickly grabbed the kind-hearted man and asked, "You mean that you can exchange new banknotes here?" ”

"yes, but you have to save it first, and then take it out the next day." The good Samaritan patiently explained to him again.

Wang Lao Er understood now that he had to pay the money on the same day, and he would take it out the next day before he could exchange it for new money, and he was suddenly a little suspicious in his heart.

"You can't lie to me, do you?"

Hearing this, the well-wisher suddenly became a little unhappy: "Why am I lying to you?" If you don't believe it, I'm going to save money! ”

After the well-wisher finished speaking, he stopped and walked quickly into the bank.

Wang Lao Er hesitated for a moment and followed in.

After entering the door, he found that in just a moment, there were already many people queuing up in this so-called bank lobby, and he saw that the kind person who spoke to him just now was at the end of the line at this time.

Wang Lao Er didn't rush to follow, but just watched from the side.

After waiting for a long time, it was finally the turn of the good Samaritan, and I saw that the bookkeeper in front of the counter first registered and filled out the form for him, and asked him to sign and draw the pledge, and then the kind-hearted man took out a bunch of new and old treasure money, and handed it all to the bookkeeper, and then the bookkeeper counted it clearly, and wrote it down on a booklet for him, and then asked him to write something, and then gave him the booklet.

The good Samaritan took the pamphlet and got up and left, and the treasure money was collected by the bookkeeper.

Wang Lao Er was suddenly taken aback, stopped the well-wisher who was about to leave, and asked, "That's it?" ”

"Yes!" The well-wisher nodded.

"How do you get that money out again?"

The good Samaritan was very patient, and took the trouble to explain to him: "Look at my booklet, which records the amount of money I have saved, and then I wrote a few words just now and left it there as a password, and when I take this booklet tomorrow, I will write it again, and as long as it matches what I wrote today, I can take out the money." ”

Wang Lao Er was very surprised when he heard it, so if he wanted to withdraw money, he had to have a booklet and a password.

"If this pamphlet is lost, will the money be gone?" Wang Lao Er said with some worry.

"It's okay, if you lose it, you just need to go to the government to issue a household registration certificate, and you can also take out the money, but if you still want this kind of booklet, you have to pay ten yuan for the cost."

The kind-hearted man explained patiently, and waited until Wang Lao Er had no doubts before Shi Shiran walked out of the bank.

Wang Lao Er stood alone in the lobby, a little entangled for a while, although there were good people who demonstrated it, he was still a little hesitant.

Since the bank was closed, the treasure money has fallen all the way as if it had collapsed, and all the shops were unwilling to accept the treasure money, openly and secretly refused, resulting in them ordinary people could only spend it at a discount repeatedly.

Although after the Ming and Huang Chamber of Commerce began large-scale shipments, many stores also began to collect treasure banknotes, but the discount of old banknotes is still very strong.

If the bank can really exchange it for new banknotes, it will undoubtedly be a great thing for him!

But if the money is deposited and people don't admit it the next day, or there is another way to deceive people, the treasure money will be lost.

In fact, the place of pouring money was moved from the bank to the bank, and the edict had been issued at the same time as the bank opened, but now there is no TV or loudspeaker, so it can only be posted in crowded places such as city gates, and people can read out the translation, and the transmission speed is very slow, and Wang Lao Er does not know it for the time being.

As he was thinking about this, there were more and more people queuing up in the bank, and when Wang Lao Er saw this situation, he gritted his teeth and stomped his feet, and quickly ran over and lined up at the end of the line.

And just after he lined up, the originally slow team suddenly played as if they were pressing double speed, and after a while, the people in front finished the work and quickly let him to the front.

Although Wang Lao Er was surprised by this, he didn't think much about it, just thought that this bookkeeper was doing things neatly.

"What is this guest going to do?"

The bookkeeper waited for him to come forward and asked enthusiastically.

"I want to swap the old notes for the new ones." Wang Lao Er said tentatively.

"Oh, that's right, now you need to deposit the old banknotes in our bank, and then take them out the next day, and then exchange them for new banknotes, and if you are willing to deposit for more than a month, there will be an interest of three thousandths, and if you save for a year, there will be five percent!" The bookkeeper explained.

In order to attract deposits, Li Weiding's interest rate is very high, and there are too many old banknotes flowing outside now, if a large amount of money is not absorbed into deposits, it will still be a little difficult to cope with it only with the inventory of the Minghuang Chamber of Commerce and the newly printed treasure banknotes.

After all, in this era, institutions like banks are not bad if they do not collect interest from depositors, let alone pay interest.

Wang Lao Er had heard these things from well-wishers before, and he had no doubts about the rule that new banknotes could only be withdrawn the next day, and as for the things about saving money that were said behind the bookkeeper, he didn't think about it for the time being, and now he just wanted to exchange the old banknotes for new ones as soon as possible.

Out of prudence, Wang Lao Er only took out an old bill with a denomination of 100 wen and handed it to the account office.

The bookkeeper did not dislike it, and after accepting it, he registered for him, and then asked him to write down the password for the record, and then handed him the booklet that had been completed.

Wang Lao Er looked at the booklet, and saw that there was his name on it, as well as a string of numbers, as well as the amount of money he had saved, etc., and half a seal was stamped on the amount.

Carefully putting the booklet away, he left the counter and walked out of the bank with trepidation.

As time went by, many passers-by like Wang Lao Er were led in by well-wishers, and some cautiously looked at them and left, thinking that tomorrow they would see if these people who had saved money could really take out the new banknotes.

Some bold ones will line up directly to save money, of course, they will not save more, and they usually take Baiwen's faint money out to try.

Now the treasure banknote has depreciated sharply, and the hundred banknotes are worth more than a dozen yuan, and ordinary people can bear this loss, and now the old banknotes are difficult to spend, rather than rotten in your hands, you might as well give it a try.

In the lobby of the bank, Li Wei sat in the corner, looking at the crowd in line, just in case, he would keep an eye on it in the first few days, and solve the problem in time.

At the beginning, these queues were basically the merchants he arranged, and there were very few real ordinary people, but it didn't matter, just practice to familiarize the account room with the process.

As time passed, there were more ordinary people in the lobby, but most of them were just observing, waiting to see if those who stupidly came up and saved money tomorrow could get it tomorrow.

The day passed in a hurry, and when it was time to apply in the afternoon, Li Wei saw that the time was almost up, so he asked people to withdraw and ended the day's business.

immediately closed the door, reconciled with the account room, and went to the accounts where the goods were acting, and only a few dollars were deposited in a whole day, which was pitiful.

But he wasn't in a hurry, after all, this was just the beginning, and the next few days were the point.

Early the next morning, before the bank opened, there were more than a dozen people waiting outside the door, and Wang Lao Er was one of them.

After these people waited for a long time, the bank finally opened its doors, and they immediately squeezed in.

"I want to get new bills!"

Wang Lao Er rushed to the front, and the first to come to the counter shouted at the account room that had just been seated.

"I'm going to withdraw the money too, which I deposited with you yesterday!"

"Me too, I saved 100 banknotes!"

After the bookkeeper sat down, he saw them crowded together, and hurriedly shouted: "Don't crowd, line up and come one by one......

However, his words had little effect.

Next to him, Li Wei sat on a chair, and there were several guards guarding him.

Looking at this situation, he couldn't help frowning slightly, and ordered to the dehuo chi beside him: "Xiaohuo, take someone to maintain order!" ”

"Yes, sir!"

When he heard this, he immediately nodded and agreed, and hurriedly called two guards to come to this group of people, and left Li Wei's side, the flattery on his face disappeared immediately, and he scolded fiercely:

"Don't crowd, line up!"

Two guards followed him as well.

When everyone saw them, their faces immediately changed, and although these guards were not wearing armor, they were all equipped with swords.

Hearing a few people shouting, they no longer dared to crowd around, and obediently lined up like they did yesterday.

Wang Lao Er was originally the first, came to the account room, and carefully whispered the words he had just shouted:

"I'll take the money."

"Well, bring the booklet."

Mr. Bookkeeper spoke softly.

"Okay, okay."

Wang Lao Er hurriedly took out the booklet from yesterday and handed it over.

The account room took a look, and saw that there was only 100 yuan, so he didn't talk nonsense, and directly took out a piece of paper and asked him to write down the password he wrote yesterday, and then checked it with the one who kept it, and after confirmation, he took out a new treasure note and gave it to him, and the balance on the book was returned to zero and stamped.

Wang Lao Er got the new banknote, and when he saw the portrait of Zhu Yuanzhang on it, his hands trembled and he exclaimed:

"Is this a portrait of the Holy One?"

"Yes, this is the portrait of the Holy Lord today, this kind of treasure money is the new banknote approved by the Holy One, you can use it with confidence." The bookkeeper whispered.

"This, this, this turned out to be a portrait of the saint, I actually got a portrait of the emperor!"

Wang Lao Er was so excited that he was incoherent with the treasure money, it doesn't matter to him whether the treasure money is not a treasure banknote, this emperor statue is not a hundred words, even if it is a hundred times, it is worth it!

(End of chapter)