Physician of the Song Dynasty: Zhang Kai and Li Qingzhao have a private life-long contract

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

"I know the money for lending young crops, but what's going on with the money for saving young crops?" Many people in Kaifeng asked in confusion.

"This is not simple! You give the principal and interest to the court when you borrow money for young crops, and the court gives you principal and interest when you deposit money for young crops!" A merchant said concisely and comprehensively.

This is also the name of Fan Zheng who did not have deposits and loans from later generations, but directly borrowed young people's money, which everyone in the Song Dynasty can understand.

"Is there such a good thing?" Many people in Kaifeng asked excitedly.

"A good thing? That's our hard-earned money, how can we hand it over to others so easily." Some Kaifeng people said, "Everyone knows that money is only safe in their own hands, so they naturally don't want to hand it over to others for safekeeping."

"Safe in your own hands? That's not necessarily the case." Someone else sneered.

The city of Kaifeng has a population of over one million, and people from all religions and schools are everywhere. It also breeds many criminal cases involving thieves, robbers, and murderers.

In particular, merchants need to operate and frequently use money to circulate. It is not safe to hold a large amount of money in their hands, and they often become targets of thieves and robbers.

There are also wanderers from other places who have no friends in the city of Kaifeng. It is difficult to move around without money. If you have too much money, you are worried that others will take advantage of your wealth. However, the Royal Bank's current youth money is safe and can be accessed at any time. They will soon become these. The best choice for people.

As Kaifeng merchants and out-of-town travelers frequently used demand money, it was safe and convenient, and gradually won the trust of Kaifeng people.

However, many people frowned and kept secrets about the money for young people before their death.

The government guarantees the repayment of the national debt, and the interest rate is high, but the dead money also takes a long time, but the interest rate is much lower than the national debt.

"Treasury bonds cannot be withdrawn in advance, but dead money can be withdrawn at any time according to the interest rate of current money." Some people in Kaifeng said popular science.

Furthermore, when people understand the difference between demand and death, they will feel relieved.

"The annual interest rate for loaning young crops is one cent, and the annual interest rate for depositing young crops is two cents. The evil doctor Fan Zheng is really good at calculating. In this way, the Royal Bank earns eight cents in interest." The businessman said with envy.

"Two cents interest is fine, two cents a year for one hundred pennies, two cents a year for one hundred guan." Many people counted on their fingers.

It is not safe to bury money at home, nor can it generate money. Putting it in a bank is safe and you can earn a certain amount of interest every year, which makes many people slightly interested.

Although the interest rate of national debt is high, the time period is too long. If money is urgently needed, national debt cannot be converted into cash in time. Although the interest rate of dead money is lower than that of national debt, it is more flexible. Current, dead money and national debt have their own advantages and disadvantages. So, It depends on personal choice.

Besides, now that the national debt is sold out in just one month, you can't buy it even if you want to, but you can save the money of young people at any time.

The real rich people in Da Song are not the merchants. The merchants need a lot of money for turnover. The Feiqian business is tailor-made for the merchants.

The really rich people in the Song Dynasty were the big landowners! The most valuable asset in this era is land.

A hundred years after the founding of the Song Dynasty, during these hundred years of peace, major landowners accumulated a large amount of money, mainly silver, which was of high value and easy to store.

Although the regular green crop money has been explained clearly, the major landowners who really control a large amount of gold and silver are still waiting and watching.

Fan Fuzhong!

When Fan Zheng returned to Fan's house tiredly, he found that Li Qingzhao had dug out all the money in the house.

"What is this for?" Fan Zheng asked in confusion.

Li Qingzhao said proudly: "No one will support my husband until his death. I will save all the dowry I brought until my death to support my husband."

Fan Zheng didn't know whether to laugh or cry: "What can you do with this little money?"

Li Qingzhao said solemnly: "Although my money is only a drop in the bucket, it can represent the attitude of the Fan family. Even the Fan family themselves have deposited money for young people before their death in the Royal Bank. Other colleagues will be happy to follow suit."

Fan Zheng was suddenly enlightened, yes! Only if he leads by example can people around the world trust Royal Bank.

"My wife is indeed the most talented woman in the world, and she has actually solved her husband's biggest problem." Hearing this, Fan Zheng picked up Li Qingzhao and kissed her several times, laughing loudly.

"What about broad daylight?"

Li Qingzhao punched Fan Zheng's chest several times in a coquettish manner, but the force of his blow became lighter and weaker.

The next day, Li Qingzhao took his dowry and the Fan family's wealth to the Royal Bank with great fanfare to deposit money until his death.

Immediately afterwards. The other three families of the Fan family, Su Shi, Zhang Lei and other aristocratic families who had good relations with the Fan family also came to the Royal Bank to make deposits, which immediately aroused a lot of heated discussion among the people of Kaifeng.

"Even the Fan family and the aristocratic families they have good relations with come here to save money for young people before their death. There should be no problem." Some people in Kaifeng nodded.

"You can withdraw the money for young people who are dying at any time. How do you know this is not a show? You can withdraw it after a few days." Some stubborn people still doubted.

Immediately, another piece of news came, and the doctors announced that they would hand over the income and expenses of major hospitals, as well as the payment of doctors' salaries, to the Royal Bank.

Kaifeng was in an uproar as soon as this news came out. You must know that the doctor is Fan Zheng's biggest backer. He handed over all the doctor's money to the Royal Bank, so he naturally has great confidence in it, not to mention the golden name of the Royal Bank.

Nowadays, some people in Kaifeng who have a lot of money no longer have any doubts about the money given to young people before their death. After all, there is a certain amount of interest every year, which is extra income.

........................

"Father! The Chen family has already missed out on the national debt, and they must not miss out on the dying young crops money again!"

In Kaifeng County, in the house of wealthy man Chen, the eldest son Chen spoke earnestly.

When the national debt was first issued, Chen's eldest son urged Mr. Chen to use his family wealth to buy national debt. However, Mr. Chen regarded wealth as his life and had many concerns and was unwilling to buy national debt.

"The five-year national bond has an annual interest rate of 5% and 100 guan. You can get 125 guan in five years. You don't want to. What can you do if you bury the money in the soil? Can you still plant a money tree? No way." Chen's eldest son said sadly.

Mr. Chen is extremely conservative. Although the interest rate on national debt is high, he still has many concerns and is ready to wait and see.

But who would have expected that in just one month, all the 10 million bonds of national debt would be sold out, which made the Chen family regretful that they had missed this opportunity.

Now the Royal Bank has launched a deposit for young people. Although the interest rate is not as high as the national debt, it is extremely flexible and can be used and withdrawn at any time. I immediately advised my father.

"Although the five-year death period is only three cents, a principal of one hundred guan can still get 115 guan principal and interest in five years. My Chen family's Qianguan family property can be increased by 150 guan in five years. In ten years, it will be 150 guan." Three hundred guan, and the Chen family's thousands of guan wealth has been buried underground for at least thirty years. If the Royal Bank had existed earlier, it would have made at least a thousand guan less." The eldest son of Chen said sadly.

Rich Man Chen exclaimed: "If it is deposited in the Royal Bank, it will only take more than thirty years for the Chen family's wealth to double?"

"This is still the lowest plan. If we buy 5% of national debt, the Chen family's wealth can be doubled in twenty years!" The eldest son of Chen is as addicted to money as Rich Man Chen. The only difference is that Rich Man Chen is Sticking to money, Chen's eldest son never misses any opportunity to make money.