Reborn Ming Dynasty as Emperor

Chapter 159 Bank Opening

After Gong Yonggu settled the turnover of the Royal Industries Company for this month, he immediately went to the palace and presented it to Zhu Youxiao.

"Your Majesty, this is the latest 75 taels received by the Royal Industrial Company, which is a drop from last month. All the vendors in Gein's capital have already ordered. Before their orders are sold out and merchants from other places come, It is estimated that orders will decline to a certain extent, but it is expected that after the opening of sales in Jiangnan, Huguang and other places, they will make a lot of money. In addition, the Zheng family also intends to order a large number of goods from us and ship them to Nanyang for sale, and it is estimated that they will not be less than Ten thousand taels."

Hearing what Gong Yonggu said, Zhu Youxiao nodded in agreement. He is naturally very optimistic about the potential for appreciation.

However, when he saw the banknotes in Gong Yonggu's hand, he thought of banking and finance, and couldn't help but ask, "Whose banknotes belong to?"

"There are several Shanxi bank and Huizhou. Since His Majesty eradicated the eight big Shanxi merchants, Huizhou merchants have also had the opportunity to participate in the business of this bank, and the few Shanxi merchants that were not suppressed were originally relatively small. As a result, 0 Xipiaohao has grown a lot, and they are all grateful to His Majesty, saying that if it weren't for Your Majesty, they would have been suppressed by the Fan family all the time."

Gong Yonggu stood aside after answering the truth, but Zhu Youxiao smiled disapprovingly.

He naturally knows that these people are not grateful to him, they just want to make money with him, but finance and foreign trade are important lifelines of the country's economy, and they cannot be controlled by these private individuals all the time. Banks have to be opened as soon as possible.

As for foreign trade, before the establishment of a navy, Zheng Zhilong and other pirates can only make some money first.

"I entrusted you with a task. You find a way to find a few reliable people in the ticket business to use for me. Now Shanxi merchants are being suppressed, and Huizhou merchants have not yet gained a foothold in this area. It is the time when they are fighting among themselves. , is also the best time for me to get involved in this business, but I want to play bigger than them."

Hearing what Zhu Youxiao said, Gong Yonggu couldn't help but secretly rejoiced. This bank account business is naturally a profitable business, but it was previously managed by a few big Shanxi merchants, and other people couldn't get involved, such as Your Majesty That being said, now is the best time.

"Minister obeys the order", after Gong Yonggu retired, he immediately went to visit the shopkeepers of the major ticket companies. With him, the consort and captain, he personally went out, plus he was doing business for the court, and he could also directly confer official positions and Shares are divided directly, so it is not difficult to dig the corners of these stock numbers, but the difficulty is to dig a few reliable ones.

In less than half a month, Gong Yonggu, the son-in-law, coldly selected five ticket shopkeepers who looked old and experienced to have an audience with Zhu Youxiao.

These people can be regarded as senior executives of the financial system in modern times, and they are naturally flattered in the shopping malls, so they did not show too restrained when they met Zhu Youxiao, His Majesty the Emperor.

After the five people saluted, Zhu Youxiao was not polite, but asked them if they had any opinions on the current ticket office business.

At the same time, Zhu Youxiao also expressed his own set of modern banking concepts, and sent them materials, asking them to go directly to read, and then write a booklet and submit it.

It is impossible for advanced knowledge to pass Zhu Youxiao's explanation, and then these people can understand it at once, and immediately become an excellent modern banker, not to mention that Zhu Youxiao himself is just a self-study.

Zhu Youxiao wants them to comprehend and examine whether they can really walk ahead of others in this financial aspect.

Although there is no bank yet, the active capital has already made financial activities extremely rich in Daming. Therefore, after communicating with Zhu Youxiao and thoroughly understanding the information, the five people also understood what the so-called opening of a bank was all about. .

To put it simply, the method of operation is no different from that of a ticket number. You need to open an account, but depositing money in the bank not only does not charge fees, but also earns interest.

Although these people can understand what opening a bank is for, they don't understand why His Majesty wants to pay back the interest. Everyone only thinks that His Majesty wants to use this method to compete for the bank's business, even if they lose some money first, it doesn't matter.

But Zhu Youxiao asked them to open the Royal Bank and directly ordered them to adjust the interest rate to [-] to [-], which surprised them even more.

But Zhu Youxiao didn't take it seriously. Everyone knows that opening a bank is always about making money and not losing money. Even the bank's main profit does not depend on handling fees. To be honest, the cost of managing and transporting banks is the so-called formalities. The fees are not even worth the cost of the ticket number, and the profit of the ticket number naturally depends on lending and other investments.

However, it has not yet evolved from a bank account to a banking institution, so most people do not know that there are places in the world where money is not given but can also be collected.

However, when the Royal Bank's signboard was posted, except Zhu Youxiao's own deposit of 300 million taels, and Gong Yongtu and others deposited a few 10 taels for Zhu Youxiao's face.

The entire Royal Bank was open for one day, but no one came in.

Hu Shouchun, the former president of the Royal Bank of Shanxi, who held the title of head of the household department, stood bored in front of the door plate with the four characters "Royal Bank" on it. He didn't see anyone come in for a long time.

Those who stopped for a while only took a few glances, and asked with a smile: "What is a bank? Look at the notice on it, isn't it just a ticket number? You can get interest for saving money. Who would believe it?"

"I'm afraid this is another way for the government to collect money, so that we can take away all the money of our businessmen." A small merchant once suffered from heavy taxes imposed by eunuchs, so it is naturally a hardship for the government. Great hatred.

However, at this time, a child came and ran to Hu Shouchun directly, and asked, "Can you still charge interest for saving money here?"

"Yes, you only need to register your name and household registration on this form, stamp your fingerprint here, and take this ticket with anti-counterfeiting measures. Are you regular or current?"

For this first customer, Hu Shouchun was very patient and received him personally.

"What regular and regular?" asked the child.

"There are six months, one year, three years, five years, and you can get one-tenth of the interest of the principal. You can withdraw and deposit at any time, but only one-twentieth of the interest."

After Hu Shouchun said, the child looked outside, and finally said: "Currently, I will come to pick it up in three days."

"Okay, please write your name and household registration here, as well as deposit the principal." Hu Shouchun ordered his assistant Tang Yi to take a slip of the note, but who knows, the child only took out a copper coin and said with a smile: " I only have one penny, hehe, it was given to me by the gentleman outside."

Hu Shouchun looked at the talented gentleman outside with a sarcasm on his face, and said nothing, just ordered: "A penny is also money, go through the formalities for him!"

(End of this chapter)