Daming Town Haiwang

Chapter 356, The First Bank of Ming Dynasty
The most prosperous and central Chang'an Avenue in the capital runs north-south. The north end reaches the main entrance of the Imperial Palace, and the south end reaches the Drum Tower. It has always been the most prosperous and lively place in the entire capital.

The people around Chang'an Street are all the dignitaries in the entire capital, so the consumption energy in this area is naturally beyond doubt, and it is the place with the strongest consumption ability in the entire capital.

The ancient and modern building, which is famous throughout Daming, is on this street, and the glass windows reflect a dazzling light under the sunlight.

At this time, on the opposite side of the Gujin Building, a building with a large area is undergoing intensive renovation. Like the Gujin Building, this building also uses a large number of glass windows and a large number of glass products for decoration and embellishment. It looks very tall, and there is even a faint tendency to surpass the ancient and modern buildings.

So even though it is still being renovated, it has already attracted a large number of people to stop and watch. If they want to see what business is going on here, the owner is willing to spend so much money on decoration.

"The First Bank of Ming Dynasty?"

A huge plaque hangs, and everyone recognizes it immediately.

Just looking at the words on it, everyone knew each other, but when put together, everyone was dumbfounded. What is a bank?

What is the business of this bank?

Everyone's minds are full of doubts. It is so tall, compared with the ancient and modern building opposite, and renting such a large storefront in such a bustling core area must be a big business. There is no doubt about it of.

Just what business does this bank do?No one knows yet.

"Old Liu, do we need to be so high-profile when we open this bank?"

Inside the building, Zhu Houzhao, Liu Jin, and Xu Guangzuo visited the upcoming Daming First Bank and chatted.

In ancient times, except for brothels, Chuguan, etc., most of the other walks of life believed in the principle of low-key, no matter how low-key, they were afraid of being recognized when doing business, and sometimes they even reached out to each other when negotiating prices. Inside his sleeve, he gestured with his fingers.

It can be seen from this that the ancients generally did not like publicity when doing business, especially those who opened a bank.

Of course, this is also a habit summed up by businessmen throughout the dynasties. The rich can't do what the powerful can do. If they are too rich, they will become fat pigs and will definitely be slaughtered. That is also to be as low-key as possible, and making a fortune in silence is everyone's creed.

Luckily for Liu Jin, he opened a bank and chose to do business in the most prosperous and central area, using the most ostentatious way to do business, wishing that everyone in the world would know about it.

"Your Highness, we are running a bank, not a bank."

Liu Jin emphasized again helplessly.

"Yes, yes, it's the bank, it's the bank."

Zhu Houzhao said with a smile.

"Naturally, the bank we opened should be placed in the most conspicuous position. It is best to let everyone know our existence, so that we can start various businesses quickly, so in the future, every time our Daming First Bank visits a When opening branches in cities, we must choose the most prosperous and core areas to set up, and we must let everyone see the strength of our Daming First Bank, so that they will trust us."

After thinking about it, Liu Jin also expressed his own thoughts. The banks of later generations will definitely be opened in the most conspicuous positions, so that everyone can find them very easily and handle various businesses. If you open in a remote place In the corner, everyone will definitely think that your bank is not strong enough, and they don't want to come to make deposits.

"Brother Liu, what I am most worried about now is whether our bank's various businesses can be run, especially this savings business. Will anyone be willing to deposit money in our bank?"

Xu Guangzuo on the side thought about it and said what he was worried about.

"Don't worry, as long as we can establish credit, we will be anxious about how to use these deposits. After all, we have to pay interest on deposits. If we don't lend out or invest, we will definitely lose money. of."

Liu Jin said confidently.

"Come, take a look at our latest bank notes~"

Then Liu Jin took the two of them to the back of the bank, where a large number of staff were constantly busy. Liu Jin picked up a stack of bank notes and said to Zhu Houzhao and Xu Guangzuo with a smile.

"This bank note?"

Xu Guangzuo picked up a banknote and looked at it carefully. The banknote was very thick to the touch, and there was a crisp sound when flicked lightly. At the same time, the toughness was also very good. The most important thing was that the pattern printed on it was very beautiful.

The banknotes are not big, similar to the banknotes of later generations. They are divided into 1 tael, 2 taels, 5 taels, 10 taels, 20 taels, 50 taels, and 100 taels. The size of each banknote is different. It is not big, and the colors are different. The 100 taels silver note with the largest face value is printed in purple as the main color, which is exquisite and exquisite, and there are obvious bumps on the paper.

The patterns printed on the banknotes of each denomination are also different. The pattern of the Great Wall of China is printed on the face value of 100 taels of silver, which is very fine and everything can be seen clearly.

"Tsk tsk, it's simply ingenious, the printing is so fine, it's unbelievable."

Xu Guangzuo couldn't help sighing after reading it, and then took out a bank note from the Four Seas Bank from his arms, and immediately felt that the bank note from the Four Seas Bank was simply unhandy, and it was nothing compared to the bank note in front of him. There is no comparison.

"Old Liu, what do you use to identify the authenticity of this bank note?"

Zhu Houzhao was also watching these banknotes carefully. The beautiful printing of the banknotes is not the key, but the key is to be able to distinguish the authenticity from the fake, so that it is impossible for people to use fake banknotes to collect money from the First Bank of Ming Dynasty.

"Yeah, once this bank is opened, the money will keep flowing in and out, and there will definitely be people who will take our banknotes and try to get the money."

Xu Guangzuo also nodded repeatedly and said that he was very concerned about this point. For those who run a bank, each bank has its own unique anti-counterfeiting technology to ensure the safety of its bank notes.

"The silver notes issued by ordinary banks are generally protected against counterfeiting by means of secret deposit and endorsement. These two methods are very simple and practical, and the anti-counterfeiting effect is also very good."

"However, it does not apply to our Daming First Bank, because we issue bank notes with a fixed denomination. As long as someone comes to our bank with this bank note, we will give them the same amount of silver, so in anti-counterfeiting On the one hand, we mainly rely on technology to prevent counterfeiting."

Liu Jin said with a smile.

It is not an easy task to obtain the right to issue banknotes, because the imperial court will definitely not allow it, so it can only be replaced in the form of silver notes for the time being.

Although it is called a silver note, Liu Jin made it as a banknote. He exchanged a lot of technology for printing banknotes in later generations from Goldfinger, and specially used it to print this silver note.

"Technical anti-counterfeiting?"

Zhu Houzhao and Xu Guangzuo were taken aback for a moment, and immediately became interested.

"Look at this paper, it is not ordinary paper, but a special kind of paper made by me. I added cotton and linen to it, so the quality of the paper is very good, and even if it is soaked in water, it will not It rots easily, this kind of paper cannot be made by others, this is the first anti-counterfeiting method.”

Liu Jin took the bank note and began to introduce it in detail. While introducing, he flicked the bank note lightly. The paper of this bank note was basically the same as the paper used to print banknotes in later generations.

Hearing Liu Jin's words, Zhu Houzhao and Xu Guangzuo took a closer look, and soon discovered that this paper is special, even rice paper is much worse than it.

"Look at this white blank area, can you see an avatar?"

Then Liu Jin began to introduce the watermark again.

"Yes, you can indeed see it."

"It seems to be His Majesty~"

Xu Guangzuo and Zhu Houzhao looked at the lighted place with the bank notes, and immediately saw a head clearly, which was very similar to the current Emperor Hongzhi.

"This is the second anti-counterfeiting technology, which can be called watermarking. It is also a technology that only our Daming First Bank can master. Others can't make this kind of watermarking at all."

"Also, everyone can look at the ink on the silver ticket. These inks are not ordinary inks, but specially developed inks. Once printed, even if it encounters water, it will not change color, let alone fade. Because it is such an exquisite color, and only we can do it, this is the third anti-counterfeiting technology."

"In addition, the pattern on the bank note has obvious concave and convex feeling, which was pressed out by a heavy pressing machine. The pattern is so exquisite that it is difficult for others to do it."

"There are also numbers on it. These Arabic numbers are not made up randomly. The numbers on each of our bank notes are different. This is also an anti-counterfeiting technology."

While pointing to the details on the bank note, Liu Jin gave Zhu Houzhao and Xu Guangzuo a detailed introduction to the many anti-counterfeiting technologies of the bank note.

With a golden finger in hand, it should not be too simple to make some anti-counterfeiting construction.

"This…"

Both Zhu Houzhao and Xu Guangzuo were dumbfounded. At first, they just thought that the bank note was very beautifully printed, but they didn't expect that there was so much knowledge in it.

"No wonder you are so confident, brother Liu. It is almost impossible to make fake bank notes."

After hearing this, Xu Guangzuo couldn't help sighing, such a powerful anti-counterfeiting technology, it is estimated that only Liu Jin in the entire Ming Dynasty can do it.

"Of course, it's not for nothing that I have raised so many skilled craftsmen, and if we find someone who dares to forge our bank notes, we will naturally not be polite. With multiple methods, there is no problem in keeping them. "

Liu Jin said confidently.

　Some book friends mentioned the issue of currency distribution rights. This is indeed a big problem. How do you think it should be arranged?

　　
　
(End of this chapter)