Daming Town Haiwang

Chapter 360, a new way to show off wealth

Hearing Zhang Jingchu's words, Huang Zhiwen also picked up a silver dollar, blew it lightly, put it to his ear, and immediately heard a very crisp sound.

"Mr. Huang, I don't know if you are interested in depositing your money in our bank. The interest on deposits in our bank is quite good. The one-year interest is more than three percent. If you deposit for three years, the interest is more than four percent per year." gone."

Zhang Jingchu did not forget her mission, and also started selling the bank's deposit business to Huang Zhibin.

"More than three percent interest?"

When Zhang Jingchu heard it, she smiled and said, "I'm just a small business. I don't have any money to deposit. I still want to ask you for a loan. Can you tell us about this loan?"

"Of course you can~"

Zhang Jingchu smiled and nodded, and said directly: "In our Daming First Bank, we need collateral. Generally speaking, we only accept land deeds and house deeds as collateral. In terms of interest, loans from us usually only cost a year. One penny of interest."

"Only one cent of interest a year?"

"Is this true?"

When Huang Zhiwen heard this, he raised his eyebrows. The interest rate is very, very low. In this era of paying attention to nine returns, any loan is basically usury, and it is impossible to borrow too much money.

The First Bank of Ming Dynasty actually only pays one penny in interest, and as long as there is enough collateral, there is no problem in borrowing any amount of silver. This is simply great news for merchants like them.

"Of course it is true. You must know something about the strength of our Daming First Bank. We are not afraid of people taking loans, nor are we afraid of people not paying back the money. Character."

"I wonder if Mr. Huang wants a loan?"

Zhang Jingchu smiled and said confidently.

The big owners of the First Bank of Ming Dynasty are Emperor Hongzhi and His Royal Highness the Crown Prince. Who dares not to pay back the money owed to them? Isn’t this courting death?
"I don't need it for now, if I need it later, I will definitely come to you."

Huang Zhiwen smiled and shook his head. Seeing that his cashier had put away the silver dollars, he quickly said goodbye and left.

"The First Bank of Ming Dynasty~"

"Silver ticket~"

"Silver dollar~"

After leaving the door of Daming First Bank, Huang Zhiwen couldn't help but look back at this luxuriously decorated building again, everything was full of freshness.

……

In Beijing and Tianjin, with the official opening of the First Daming Bank, many industries under Liu Jin’s command have been linked to the First Daming Bank, which soon led the business community in Beijing and Tianjin to start contacting the bank.

At the beginning of the period, everyone was more or less skeptical. As long as they had bank notes, they would go to Daming First Bank to exchange them for silver dollars as soon as possible.

But soon, everyone gradually discovered that this banknote is more convenient to use, because the banknote is simple, convenient, and easy to carry, and everyone soon fell in love with this new banknote.

Because no matter who it is, as long as they go to the Daming First Bank with a silver ticket, they can exchange it for a full amount of silver dollars, so they gradually build up their own reputation invisibly.

Gradually, everyone will not be in a hurry to exchange the bank notes in their hands for silver dollars, but will choose to take them out and use them.

In the beginning, the use of bank notes was limited to people in the business world, because people in the business world were the first to come into contact with these bank notes and silver dollars, and they were also the first to accept these bank notes and silver dollars.

People in the business world have a lot of capital transactions every day. In the past, it was very troublesome to settle with silver. Now it is very convenient to settle with bank notes. Even if they don’t use bank notes, everyone is gradually getting used to using silver dollars for settlement. It is convenient, fast, and saves a lot of trouble.

Naturally, people in the business world were the first to accept this new type of bank note and silver dollar. From the initial resistance, the merchants of the two places gradually adapted to it, and even slowly developed to the point where they only recognized silver notes and silver dollars. .

Many times, if you use ordinary silver and bank notes from other banks for settlement, they don't recognize it anymore, and they gradually don't like it.

Because this will increase your own costs and your own risks.

Ordinary silver, you need to find out the fineness and weigh it, which is extremely troublesome. As for bank notes, people used to prefer to use them, but the bank notes in the capital can only be used here in the capital. When you arrive in Tianjin There is no way to use it.

Bank notes and silver dollars are different. Bank notes can be used in Beijing and Tianjin, and the First Bank of Daming has opened branches in Nanjing, Suzhou, Chengdu and other places. In the future, you can basically use bank notes. The entire Daming.

As for silver dollars, let alone.

Now people in the Beijing and Tianjin areas like this kind of silver dollar the most. It is very exquisite and full of color. Every silver dollar is a standard silver dollar. You don’t need to weigh it at all.

The silver dollar was first promoted in the Beijing-Tianjin area. This kind of silver dollar with uniform size, specification and weight quickly spread from the business world to the hands of ordinary people, and quickly became everyone's favorite thing.

Silver notes also gradually circulated from the business world to other fields in a very short period of time, and the purple silver notes with a denomination of one hundred taels quickly became everyone's favorite color.

Purple has always been a noble color, and it was even used as a color exclusively for the royal family. Now this kind of silver note with a face value of one hundred taels has quickly become a new way for everyone to show off their wealth.

When I go out to eat in restaurants or tea pipes, I take out a stack of silver tickets from the bag. The purple and purple silver tickets are very eye-catching, and they can always attract the attention of people around them in the first place.

One hundred taels of silver is naturally nothing to rich people.

But for ordinary people in Daming, this is an astronomical figure, an unattainable number.

There are a few purple silver bills of one hundred taels of silver in his pocket, which is absolutely appropriate for a rich man.

In the past, when visiting brothels and Chu houses, it was basically enough to throw silver coins, and those with a little money could just throw a silver ingot, but it is different now.

When winning the top card, they throw out piles and piles of purple silver bills, and the audience immediately becomes silent, those who know them widen their eyes, and those who don't know ask curiously.

In the past, it was just a joke to ride a crane down to Yangzhou with a waist of one hundred thousand guan, because no one can really have a waist of one hundred thousand guan. You must know that there are a thousand copper coins in one penny, and this copper coin is almost a catty. Who can wrap a hundred thousand copper coins around his waist.

But it's different now, one hundred thousand copper coins are nothing more than a few stacks of purple silver bills, you can put them in your arms casually, and you can feel free and easy everywhere.

Because of the convenience of banknotes and silver dollars, and of course, more importantly, because the First Bank of Ming Dynasty has always been very strong and has strong financial resources, this kind of banknotes without secret deposit and endorsement naturally became popular very quickly.

"Child checkout~"

In a box on the third floor of the most luxurious Wangyue Building in Beijing, Zhu Houzhao, who had just had a delicious meal, exclaimed happily.

"Hi, guest officer, the total is twenty-three taels of silver~"

Hearing the voice, the waiter in the shop ran over and said with a smile.

"Give~"

Zhu Houzhao took out a stack of purple banknotes from his pocket, took out one of them and put it on the table, very refreshing.

Liu Jin on the side looked at the scene in front of him, and couldn't help laughing. This Zhu Houzhao, now likes to pay by himself. In the past, Liu Jin, the little follower, was responsible for the payment. Now it's different. He left Wherever I go, whatever I do, I like to pay for myself.

And every time I pay, I like to take out a large stack of hundred-yuan banknotes from my pocket. There is no doubt that almost every time I see Zhu Houzhao paying the money, the people will widen their eyes and stare at Zhu Houzhao in a daze. A large stack of hundred-yuan banknotes in his hand.

At this time, the waiter in Wangyuelou's shop is naturally the same. Although the people who come to Wangyuelou to consume are rich people, and they can eat more than [-] Li silver for a meal, ordinary people can't afford it at all, and many people sell [-] yuan silver notes.

But it was the first time for the waiter to see a person like Zhu Houzhao with a large stack of hundred-yuan banknotes in his arms, and his mind was filled with white money.

"How much silver is this?"

"I'm afraid there are tens of thousands of taels of silver."

The waiter was dumbfounded. He had tens of thousands of taels of silver on his body. This was the first time he had seen such a rich man.

He took the [-]-yuan bank note on the table and checked it carefully. The First Bank of Daming had detailed publicity and knew how to distinguish the real from the fake.

"Guest officer, please wait a moment, I will give you some change."

After confirming that there was no problem with the bank notes, the clerk in the shop was also Pi Dian, and Pi Dian took them to find change, and soon came over with some bank notes, and gave Zhu Houzhao seventy-seven taels of silver for change.

"Keep the dog stuff~"

Zhu Houzhao was not even interested in taking a look at the banknotes that were not one hundred taels of silver, and directly instructed Liu Jin behind him.

"Old Liu, the one hundred taels of silver notes is still too low. It is best to get one thousand taels of silver notes. When the time comes, I will definitely save face when I go out with a stack of thousand taels of silver notes."

After paying the money, Zhu Houzhao turned his small eyes, thought for a while and said to Liu Jin, he enjoys this feeling of being rich now, and wherever he goes, he directly uses money to open the way, which is very easy to use, and everyone's eyes are shining Looking at the large stack of hundred-yuan banknotes in his arms, he wished he could rob Zhu Houzhao directly.

"Your Highness, the value of silver is extremely high, and the value of a hundred yuan bank note is already very high. There is no need to issue a bank note with a denomination of one thousand taels. If there are too many, it is not convenient for market circulation. You take one thousand tael When the banknotes go out, very few people can give change."

Regarding Zhu Houzhao's behavior of flaunting his wealth, Liu Jin also couldn't laugh or cry, and said after thinking about it.

　One hundred taels of silver should be equivalent to hundreds of thousands in today's money.

　　
　
(End of this chapter)