Especially in the next day's newspaper, this incident was published on purpose.
"After I came back from fishing yesterday, the head of the seafood processing factory took me directly to the bank to get a passbook, and then transferred the fish money to my passbook through the bank."
"Later, I used the passbook to get the money immediately, and every account was clearly printed on the passbook."
"Deposit the money directly in the bank, the bank will keep it for you for free, and even if you lose it, His Highness King Wu will pay you in full."
"To be honest, I will save all the money in the bank as soon as possible except for a small amount of money in my hand. Otherwise, I don't feel safe leaving the money at home!"
A reporter interviewed the fishermen and published the original paintings of the fishermen in the newspaper.
Many people in Yangzhou and Suzhou were very surprised when they read the newspaper!
"It's so convenient!"
Everyone was not interested in saving money at the beginning, and felt that it was safest to keep money in their own hands.
But after seeing the fishermen's interviews, they suddenly felt that it was very convenient to store in a bank!
For a moment, the idea of depositing the money in the bank came into their minds!
PS: The first update!corpse.
Chapter 192 Transfer Fee!Li Shimin's pattern and ambition!
The gates of Yangzhou Branch and Suzhou Branch of Datang Royal Bank.
At this time, a lot of people gathered here, and many of them came to save money with passbooks.
They all carry a lot of copper coins on their bodies and want to deposit them in the bank.
Due to the increasing number of people at the scene, the government of Yangzhou and Suzhou also sent people to maintain order.
"Everyone, the bank is open every day. There is no need for everyone to squeeze in one day to handle the deposit business. This will delay everyone's time."
"The bank will issue 2 numbers every day, and those who get the first 2 numbers can handle it on the same day."
"If you don't get the number, please go home and wait. There will be a long time in the future, so don't rush this day or two."
The head of the bank also stood up and said loudly to the people who came to save money.
Handling passbooks and saving money is an extremely private matter. Once there are too many people, it may cause leakage of private information.
And when there are more people, the pressure on the bank staff will also double.
But their work is the kind that needs to be very calm and careful in order not to make mistakes. Once a mistake occurs, it will cause double losses to the bank and the people!
Even, it will greatly affect the reputation of the bank!
Li Ke warned him in extremely stern words that he must put the bank's reputation and reputation first.
Therefore, in order to prevent mistakes as much as possible, he slightly calculated the time required to handle a business and how many businesses he could handle in a day.
At the same time, a certain amount of space must be reserved for users who come to withdraw money.
So he decided to only release 2 numbers a day, and it was almost enough to handle 2 businesses a day.
As for the method of limiting the number, Li Ke told him before.
It is said that if there are too many people, the number will be directly limited.
Of course, it is only limited to those who come to handle money deposit business.
People who come to withdraw money, no matter how many people there are, must handle business.
Otherwise, it will give the common people the impression that it is easy to save money and difficult to withdraw money, which will be a huge blow to the bank's reputation!
"Do two a day!"
"Wait until which day do I have to line up?"
"I wish I had known that I would have deposited money in the bank on the first day it opened. No one deposited money on that day!"
"I don't trust His Majesty the Emperor, or His Highness King Wu, alas!"
"I can't help it. I must be outside on the 2nd. Let's come back tomorrow."
"I'm in the top 2, I can deposit it today, and finally I can sleep soundly at night."
Hearing what the head of the bank said, everyone immediately complained.
But there is no way, the bank manager said that the 2nd will be the 2nd, and they have no way to force the money into it.
Didn't you see the soldiers holding sharp knives standing on both sides of the bank?
If anyone dares to be presumptuous in the bank, those soldiers will not be polite to you.
After all, it was written in the newspaper, His Royal Highness King Wu said it himself.
Anyone who makes trouble in the bank and poses a serious threat to the bank's property will be directly arrested and taken to the Governor's Mansion!
Everyone dare not think about what will happen when they arrive at the Metropolitan Governor's Mansion.
Therefore, those who did not get the number could only go home honestly, planning to come back when there were fewer people.
What the head of the bank said was also reasonable. Anyway, the bank is here and it is open every day, so there is no rush for this day or two.
Those who grab the number wait in anticipation to go in and do business.
This is how the Yangzhou branch handles it, and the Suzhou branch also handles it this way.
After all, banks are no better than other places. It must be quiet and careful here.
The head of the bank would go to the Metropolitan Governor's Mansion to report the situation of the bank to Li Ke every evening.
"Your Highness, people's trust in the bank is getting higher and higher, and everyone's worries about saving money have become very, very small."
"Those merchants are very fond of the money transfer business, thinking that the money transfer business makes their business transactions much more convenient."
The head of the bank reported the situation of the bank to Li Ke.
Hearing this, Li Ke smiled with satisfaction.
In terms of saving money, he did not completely copy the methods of modern banks.
In modern banks, you earn interest when you save money.
Although the interest on demand deposits is very small, at least there are some.
Regular ones are slightly higher.
But Datang Royal Bank, he did not set a rule for deposit interest.
Because the situation in Datang and modern times is not the same, there is no need to completely copy it.
In modern times, banks give users interest because banks invest and lend users' money.
The income from investment and lending is distributed to users, which becomes interest.
Moreover, there are many modern banks. In order to absorb more deposits and obtain greater investment and lending funds, each bank will set higher interest rates.
But in Datang, because the economy and finance are not developed enough, there are actually not many projects that can be invested.
Mainly rely on lending to obtain income.
Moreover, the number of people who take out loans is not very large, so the income from this part of the loan is also limited.
And if deposit interest is paid to all users, then the bank's income and expenditure will be out of balance.
Expenses far outweigh income.
It won't take long for the bank to go bankrupt.
This is obviously not what Li Ke wants to see, so he didn't set a rule for deposit interest.
Anyway, in Datang, and even in this world, there is only one Datang Royal Bank, and there is no competitor at all.
So there is no need to use interest to compete for users.
Moreover, the money in this era is mainly gold, silver, and copper coins.
The money is firstly bulky and secondly heavy.
It is actually very inconvenient to put it at home, and many people even want to prevent it from being stolen.
Put the money directly in the clay pot, then dig a hole at home and bury it in the soil!
It can be said that people have also racked their brains on how to hide money.
Now, he provides everyone with a place where they can safely deposit money for free, and also keeps it on their behalf, and can withdraw it at any time.
He believes that ordinary people will definitely be willing to deposit their money in the bank.
In fact, in historical banks, people depositing money in them not only has no interest, but also pays bank fees!
Because the bank has kept the money for everyone, so they have to ask the common people for money!
Even so, people in history chose to store their money in banks.
It shows that everyone really needs a safe and stable money deposit institution.
Therefore, even if Li Ke does not pay interest, it will not affect everyone to save money in the bank.
As for the transfer, Li Ke had long thought that merchants would be very interested in this business.
After all, when Li Ke was in Chang'an City before, he had experienced the pain every time he divided money.
Baskets of copper coins were transported to the palace, and they had to be counted one by one, and then the thousand coins were strung together with strings, which was very troublesome.
After arriving in Yangzhou, this situation became even more serious.
Especially the last time he auctioned the agency right in the Metropolitan Governor's Mansion, it sold a full 3 guan!
Although many are paid in gold and silver, copper coins still account for the vast majority.
Many people in the Metropolitan Governor's Mansion have lost their money.
Now I feel like throwing up when I smell the stench of copper.
Not to mention that these businessmen have a lot of money transactions almost every day.
In particular, they often have to buy goods from major workshops in Yangzhou City, and they have to bring a lot of money every time they buy goods.
Heavy and very inconvenient.
Therefore, the business of transferring money is simply a huge convenience for merchants!
In fact it is.
Now, after they purchase goods from the workshop, they just go to the bank with the workshop's treasurer.
You only need to enter a small compartment, and after pairing the password, you can go to the counter to handle the transfer
It took only half a stick of incense before and after, so it was easy.
Unlike before, people had to be sent to the workshop to pull baskets of copper coins to the workshop.
After being transported, it will take a lot of time to count.
It can be said to be time-consuming and labor-intensive, but direct bank transfer is time-saving and labor-saving!
However, Li Ke set a handling fee for the transfer.
After all, it saves time and effort, and the handling fee is also very reasonable!
Modern bank transfers are charged a handling fee, generally around 1%.
For example, ICBC, the largest bank in the universe, has a transfer fee of 1%.
However, the handling fee has a minimum and maximum value.
That is, no matter how much you transfer, even if you transfer 10 yuan, you will be charged a minimum handling fee of 1 yuan.
Even if you transfer 1 yuan, you can only charge a handling fee of 50 yuan at most.
The handling fee set by Li Ke for Datang Royal Bank is also 1%, with a minimum of no less than 5 coins and a maximum of no more than 1 guan.
Li Ke felt that there was no major problem with the setting of the handling fee.
After all, if you transfer thousands of guan, you will be charged 1 guan as a handling fee, but it will save you a lot of trouble!
This deal is still very cost-effective.
In fact, merchants do not have any opinion on this handling fee.
After all, compared with the time and energy saved, this little money is really nothing.
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