Start Summoning West Factory Flower

Chapter 92 Shanhai Bank
As soon as Zheng Ming stepped into the bank, a servant greeted him.

"His Royal Highness, you are here!" The little servant smiled slyly.

Zheng Ming nodded slightly and glanced at the situation in the bank.

"Where's the cashier?"

Qian Tongcai, formerly known as Qian Tongcai, was originally the accountant of the Zhao family. Later, when the Zhao family was destroyed, he was arranged to manage the treasury in the palace. After the bank was established, Zheng Ming was appointed as the bank's treasurer.

"The shopkeeper is upstairs with a big client." The servant replied.

Zheng Ming raised his brows and said, "Big client! Who is that?"

While leading Zheng Ming upstairs, the servant said in a low voice, "It's Qi Mingcheng from Sansheng Island."

Zheng Ming nodded calmly.

Sansheng Island is one of the many islands in the Luoyu Archipelago. Qi Mingcheng has also heard of it, and he used to be a pirate.

However, after Yihetang unified the Luoyu Islands, he turned his back on his righteousness and started a serious business.

In fact, there are quite a few people like Qi Mingcheng on the Luoyu Islands, most of them are small pirates. Later, the pirates couldn't do it, so they changed their careers.

Zheng Ming did not kill them all. As long as they stopped doing evil, they could obtain household registration in Shanhai County, join the navy, or do other jobs.

Walking up to the second floor, I happened to see one fat and one thin, two middle-aged men sitting opposite each other.

"Meet Your Highness!" When the two saw Zheng Ming, they quickly got up and saluted.

The fat one is Qian Tongcai, and the thin one is Qi Mingcheng.

Zheng Ming smiled and said: "You continue, this king can take a look."

After speaking, he walked into Qian Tongcai's account.

Qian Tongcai gave the servant a wink, and then pulled Qi Mingcheng to sit down.

"Here, your Highness is here, and the shopkeeper Qian won't be with you?" Qi Mingcheng said a little nervously.

Qian Tongcai said with a smile: "Your Highness has said that in the bank, everything is customer first. At this time, you are the most honored guest here."

Before the opening of the bank, Zheng Ming gave him a half-month training, instilled various concepts of bank management, and also told him the idea of ​​'customer is God' several times.

"This is not good!" When Qi Mingcheng heard this, he became even more restless.

How could he be the most honorable guest in front of the prince?

Qian Tongcai poured tea for him and said, "Because Your Highness is the owner of the bank, Boss Qi came to the bank to borrow money to take care of His Highness's business. Let's talk about this loan first."

This time Qi Mingcheng came to take out a loan, and it was not a small amount.

With the collapse of the Blue Mountain Sect of the Golden Dynasty, Shanhai County has now opened up the last link of the sea trade, and now it is the stage of rapid development of the sea trade.

Qi Mingcheng saw this opportunity and planned to buy a few ships from the shipyard, but he didn't have much cash in hand, so he wanted to come to Qianzhuang for a loan.

For Qian Tongcai, Qi Mingcheng was a big customer, a big customer with a one-time loan of 30,000 taels.

Such large customers should naturally be well received.

Qi Mingcheng looked at the wooden door of the account room, a little bit of light flashing in his eyes.

"Your Highness is wise!" He bowed his hands in the direction of the accountant.

Qian Tongcai chuckled and said, "Let's continue the topic just now. A loan of 30,000 taels is fine, but the farmland on Sansheng Island must be used as collateral. This is the rule of our bank."

In the accounting room, Zheng Ming sat at the desk, casually looking at the account book.

"There seems to be a lot of silver in the warehouse recently." Zheng Ming said.

The servant next to him said, "This is the people's recognition and trust in His Highness."

Zheng Ming frowned slightly.

It is true that the people put their money in the bank to trust him, but it is not what he wants.

The purpose of his establishment of the bank is to support the private chamber of commerce and facilitate business transactions, not to collect money.

Now there are nearly 2 million taels of silver in the treasury of the Wangfu, and he has nowhere to use it.

Accepting people's deposits to pay interest is a trivial matter, but the key is that it is not conducive to the circulation of private money. People have deposited their money in the bank, and there is no silver in the market.

"Let's lower the interest rate, it's not a good thing to save too much silver." Zheng Ming said.

In fact, he is the first of several royal families around him to save money for interest. Not only does he not pay interest for deposits in other banks, but he also charges a handling fee.

At first, Zheng Ming also thought about whether to give the interest, but after thinking about it, he decided to give it.

Because his bank is not an ordinary bank, and will develop towards the central bank in the future, so everything must be tried and tested slowly.

Now that Shanhai County is not large, he can allow problems to arise, and he can also bear failures.

"Yes!" The little servant responded quickly.

Then Zheng Ming flipped through the account book again.

Generally speaking, the operation of the bank has become formal, and there are no major problems.

But there are a few things that make him very dissatisfied.

First, the use of silver and copper coins as the main currency has many disadvantages, it is inconvenient to carry, and the currency itself will be worn after frequent circulation, which will cause the loss of value.

The second is that the exchange ratio between silver and copper coins is not standardized. Not to mention several great dynasties, there are great differences within the Dali Dynasty alone. trouble.

If Zheng Ming wants to change these, he must redefine the rules of currency.

He didn't need to think about paper money for the time being. He planned to try silver dollars, that is, lace money, silver coins.

"Abolish the two yuan and change the yuan", establish the silver dollar standard currency, formulate perfect currency specifications, and reduce the trouble of silver and copper exchange.

However, it is not a simple matter to 'change two yuan from two fees'. It not only involves currency circulation in Shanhai County, but also sea trade transactions.

Zheng Ming thought about it for a long time and decided to try it in Shanhai County first.

Anyway, Shanhai County is small, so he can be tossed around freely, and even if there is a problem, it is easy to solve.

……

With the rapid development of sea trade in Shanhai County, it finally attracted the attention of several surrounding dynasties.

In the beginning, only the private chambers of commerce of several dynasties paid attention to this newly emerging Shanhai Chamber of Commerce. Later, the officials of several dynasties also noticed the Shanhai Chamber of Commerce.

After all, the merchant ships of the Shanhai Chamber of Commerce were too active during this time.

Especially in the Great Zhou Dynasty, a fleet of Shanhai County arrived almost every few days, and each time it brought a large amount of goods, not only the products of the Dongying Dynasty and the Dajin Dynasty, but also the snow salt from Shanhai County. It attracted a lot of attention for a while.

In particular, Xueyan made the officials of the Great Zhou Dynasty very angry.

The Great Zhou Dynasty was not as chaotic as the Eastern Ying Dynasty. It had a perfect salt administration within it, and had a very strong crackdown on private salt.

Zhao Nanguo, who is in charge of the Great Zhou Sea Trade, is not stupid. He did not sell the snow salt directly to the Great Zhou Dynasty. Instead, he selected several powerful chambers of commerce in the Great Zhou Dynasty as partners, and then chose an island in the sea as a partner. transaction location.

I sell snow salt outside of Dazhou, which has nothing to do with your Dazhou Dynasty. As for where the snow salt is sold in the end, it has nothing to do with me.

And it is precisely this that the officials of the Great Zhou Dynasty are annoyed.

If you dare to sell illicit salt within the Great Zhou Dynasty, I can kill you, but what should we do if you do?
Crack down on those chambers of commerce that sell snow salt?Don't be kidding, those are the noble and wealthy families of the Great Zhou Dynasty.

As for the attack on other merchant ships of the Shanhai Chamber of Commerce, it will not work.

The Great Zhou Dynasty had developed sea trade and perfect related systems. They could not destroy the system they had formulated by themselves, which was equivalent to slapping themselves in the face.

Therefore, the Dazhou government was angry with the Shanhai Chamber of Commerce, but had nothing to do with the Shanhai Chamber of Commerce.

It's not completely impossible. After they found out that the Shanhai Chamber of Commerce was behind the Shanhai Chamber of Commerce, Zheng Ming, the Shanhai County King, sent a letter of credentials directly to Zheng Qingsong.

(End of this chapter)