Ming Taizi's Total War

Chapter 64 The Opening of the Royal Bank of Ming Dynasty

"But there are already quite a few banks in Jinling. If we open a new one, will anyone come to save money?" Zhou Yuantong is a person who knows a little bit about everything.

He also knew about money houses when he was in the rivers and lakes before. If a money house can continue to operate, there will be a large number of people to save money, at least it will take decades of accumulation of reputation.

Now that the prince is short of money, but wants to urgently open a bank to raise money, this is tantamount to a dream.

"Your Highness, with all due respect, what if your bank is opened and no one comes?" Zhou Yuantong asked Zhu Cihong tentatively.

It's not that he has never seen such an embarrassing scene. He once saw such an unlucky guy in Linqing, Shandong.

It opened there for a month, and no one saved money, so that the account books in the drawer were all dusty. Finally, the businessman saw that there was no business, so he had to sell his bank at a low price, and then returned to his hometown.

That scene was as embarrassing as it wanted to be. I was doing business happily, but found that no one talked to you. He heard that in those days, the owner of the bank met an acquaintance, and he couldn't even speak.

After hearing Zhou Yuantong's words, Zhu Cixiang smiled evilly, and then said, "Then it depends on your ability. The stick-stick place is not a pig farmer. I believe you have a way to get the rich and corrupt officials in Jinling City to deposit money in it."

Facts have proved that there is no need for the people at the sticky pole to take action at all. Those wealthy businessmen and officials in Jinling City who wanted to curry favor with the royal family deposited large sums of money in it.

Li Jin listened to Zhu Cihong's order, poured a lot of money, and made the craftsmen rush to work day and night. In a few days, he transformed an old house into a bank.

Because it was related to the money and assets of the Prince's Mansion, Zhu Cihong asked Li Jin to manage the bank. Although he was a scholar, he was not good at doing this. Fortunately, Zhou Yuantong was always by his side to help and give advice, so there was no trouble.

The only thing that could be called chaotic was the opening day, when countless wealthy businessmen came here with their servants, holding silver and hanging gold to save money.

"Master Feng, what a coincidence, you're here to save money too?" The rich businessman who spoke was surnamed Wu, who was in the food business in the southern Zhili border. He had a big business, so he naturally knew how to do business in this land of China. It is impossible to do it for a long time without the support of the government and political forces.

So he took 1000 taels of silver from the working capital that he planned to use for business and came to the Ming Dynasty Royal Bank, thinking to save money and support the royal family, which would also count as him taking advantage of the royal family.

"Yes, I heard that the prince's bank does not require storage fees, and it is more reputable than ordinary small banks. It is really hard to find such a good place even with a lantern." Master Feng saw that the person talking to him was engaged in grain trading. Mr. Wu was busy bowing to him and saluting.

Mr. Feng is the same as Mr. Wu. They are both big businessmen in the land of Nanzhili. Isn’t there a saying that goes together? You can see that the two of them have no quarrel when they meet. There are no overlapping parts.

"Besides, I recently sold a batch of silk, so I just have some spare money, so I can deposit it." Master Feng and Master Wu chatted one after another, and the two of them came to the counter in a short while.

This was specially built by Zhu Cixiang to imitate a modern bank. However, due to time constraints, it was not a masonry structure, but a counter similar to that of a pawn shop.

"Hello, we can choose to exchange bank notes and deposit money. If you choose to deposit money with us, I will open an account for you and give you a registered passbook."

The clerk at the counter saw two masters in fine clothes and a servant carrying a box behind them, so he hurriedly asked them with a smile on his face.

Although the two of them had a philistine look on their faces, they looked like businessmen, which obviously violated the laws of Daming. Businessmen are not allowed to wear silk and other expensive silk products, but the situation of Daming is declining, and this has long been the tacit fact of the whole society.

"What is this passbook?" Master Wu felt very fresh when he heard the word passbook, so he asked the salesman what it was.

"My lord, the passbook is the evidence for you to save money here, and your information is written on it. As long as you come here with the passbook, you can withdraw money from us." The salesman replied patiently.

"Isn't that the same as other banks? Why is it called a passbook?" Master Wu asked curiously.

"This, this little one doesn't know." The salesman didn't know why, it was taught by their superiors, so they said this, don't say they don't know why, even Zhu Cihong didn't know.

"Then little brother, how do you exchange this bank note?" Master Feng saw that the salesman was speechless when asked by Master Wu, so he hurriedly asked his own question.

"We charge a handling fee of five thousandths. That is to say, if you take a 1000 tael bank note, you have to hand it to us [-] tael. However, with this bank note, you can use it anywhere The Royal Bank of China exchanged it."

This question is easy to answer, and the salesman said it without thinking.

Hearing this, both Mr. Wu and Mr. Feng felt that the Daming Royal Bank was the conscience of heaven and earth, much better than other banks. Not only did they have to charge storage fees, but they also had to spend a lot of money. It would be even more troublesome if they exchanged bank notes. The handling fee charged is also more, and it cannot be exchanged in other places, which is really troublesome.

"You two don't know what business you want to handle?" After talking for a long time, the salesman said everything that should be said, and it was up to the two of them to handle what business.

"We want to exchange silver bills." Master Wu and Master Feng said in unison. As soon as the words fell, the servants behind them moved the small box full of silver ingots to the counter.

The salesman moved the box to the hands of the colleagues behind. After counting, he found that the silver they moved was exactly 1000 taels.

Just when the clerk turned around and wanted to ask the two for the handling fee, he saw Mr. Wu and Mr. Feng each took out a small silver ingot and put it on the counter.

"You two, here are your bank notes." After counting the money, the clerk solemnly handed the bank notes to the two.

Master Wu and Master Feng didn't leave after receiving the banknote, but stood there and looked at it carefully. They saw that the banknote was exquisitely crafted, the paper was solid, and the ink was made of high-quality waterproof ink.

It wasn't until the salesman reminded them that there were people behind them that they realized that they had blocked their business.

The first day of the Royal Bank’s opening ended just like that under the turbulent crowd. That night, the staff moved the money to the bank vault, and a special person came to check the account books to check whether the salesperson had stolen the bank notes.

　Thanks to the book friend old bookworm rcj for the reward.

　　
　
(End of this chapter)