Daming Town Haiwang

Chapter 395, The Dilemma of the First Bank of Ming Dynasty
The capital, Liu Jin's residence.

"My son, the First Bank of Ming Dynasty has opened branches in the capitals of the two capitals and thirteen provinces of Ming Dynasty and some important cities, but at present, our deposit business has been progressing slowly, and there are very few branches in various places. People who take loans Quite a lot."

In Liu Jin's study, He Run, the general manager of the First Daming Bank, was reporting to Liu Jin the progress of the First Daming Bank since this time.

"Notify all localities that the amount of loans is under control. If there is no deposit, we will borrow too much and our funds will not be able to keep up. Once we cannot keep up, our reputation will be damaged. In serious cases, it is very likely to cause Run."

After Liu Jin listened carefully, during this period of time, apart from going to the Imperial Academy to make tea and drink every day, Liu Jin was busy with the affairs of the First Bank of Ming Dynasty and Liuqiu City.

Daming First Bank, as the most critical step in Liu Jin's layout, naturally attaches great importance to it.

The most important thing at this stage is to continue to open branches in various places in Daming, and to spread the points first, so as to facilitate the use and circulation of all parts of the country.

If you bring some bank notes to Nanjing in the capital, you can also take out money from the Nanjing branch. If they are used in all parts of the country, it will greatly facilitate the promotion and use of bank notes.

Silver dollars are still very inconvenient to carry, especially when the amount is large, but silver bills are different. It is also very easy to pack thousands of taels or ten thousand taels of silver bills.

Moreover, it is extremely convenient to use bank notes for transactions. You only need to calculate the face value, and you don't need to worry about the fineness, weight, etc. at all.

Now in the Beijing-Tianjin area, bank notes have gradually become popular. When going out to do business, everyone likes to use the bank notes of the Daming First Bank for transactions.

Of course, silver dollars are also very popular, with sufficient color, weight, and exquisite casting. Both ordinary people and businessmen like to use silver dollars.

The Beijing-Tianjin area is the core of the Ming Dynasty, with the Beijing-Tianjin area as the core radiating towards the entire Ming Dynasty, and the First Bank of the Ming Dynasty also quickly opened throughout the two capitals and thirteen provinces of the entire Ming Dynasty.

It has been opened again and again, but the development of various businesses has encountered difficulties, especially the deposit business, which has never been developed. Even in the Beijing-Tianjin area, there are very few deposit businesses, let alone other places. This is also the most troublesome thing for Liu Jin now.

There is no deposit, which means that the funds in the hands of Daming First Galaxy are always limited. Just relying on these funds in your hands, no matter how big your plate is, you cannot withstand people from the Ming Empire coming to borrow money. This is why Liu Jin asked Here, He Run notified the reasons for controlling the amount of housing loans in various places.

It is extremely unfavorable for the First Bank of Ming Dynasty to only exit but not enter.

"We must start the deposit business!"

Liu Jin realized this very clearly, thought for a while and said to He Run: "What do you think is the reason why our deposit business can't be done?"

He Run was slightly taken aback when he heard Liu Jin's words, and after thinking for a while, he said, "I think the most important thing is that everyone is not familiar with our deposit business, and they don't believe us. They always think that the money is deposited in our bank. We'll eat their silver."

"Then how do we solve this problem?"

Liu Jin nodded. This era is different from later generations. People in later generations like to save money the most, because everyone knows the many benefits of saving money. It has interest, will not be stolen, and can be transferred and traded, which is very fast. ,convenient.

But this era is the same. Of course, the customers of Daming First Bank are all rich people, and ordinary people have no money to save.

Everyone still lacks recognition of the Daming First Bank, and they don't even have the habit of saving money. Everyone prefers to hold the money in their own hands, and always feels that it is safer.

After listening to He Run's words, Liu Jin began to think carefully. The key is publicity, or to change everyone's ideas. This publicity is not in place. How could the old landlords scattered in various villages of Daming know that the First Bank of Daming has deposits? .

If people don’t change their ideas, even if they know that there is a deposit business, they will not save their money. They would rather put it in the cellar to mold, and they will not covet your little interest.

"How to solve this problem?"

Liu Jin pondered carefully.

This matter is really important. If no one deposits money, even if the First Bank of Daming fails, it will not be able to do it. It will only go in and out. to loan.

What's more, without deposits, this silver has always been buried underground in Daming without any circulation, which is extremely unfavorable to the development of Daming.

"You go back first, and I'll think about how to solve this problem."

He couldn't figure it out for a while, so Liu Jin also gave He Run instructions.

"Yes, my lord."

He Run nodded and left, leaving Liu Jin frowning, thinking about this question.

"People don't believe it, they are not familiar with it, they don't trust it. The most important thing is the problem of ideology. How to solve this problem?"

Liu Jin has been thinking, but he didn't pay attention to the passage of time.

Xu Wan'er and Li Zhen walked in with smiles on their faces. Seeing Liu Jin who was frowning, Li Zhen said with a smile, "Sir, what makes you so sad?"

"Yeah, why don't you tell me about it, maybe we can help you think of a way?"

Xu Wan'er followed suit.

"It's not about the Daming First Bank. The deposit business of the Daming First Bank has never been able to start, and the loan business here is releasing money in a hurry. If this continues for a long time, it will not be a solution after all. This bank For the silver, it must have both in and out.”

Seeing that it was his two wives coming, Liu Jin immediately said with a smile on his face.

"Is it because everyone doesn't know about this business?"

After listening, Li Zhen thought for a while and said.

"This is one reason. Not many people know that our Daming First Bank has deposit business. It is limited to some businessmen. The more important thing is actually a problem of ideology. People don't believe in our Daming First Bank. I feel that if this money is deposited in our bank, we will swallow their money."

Liu Jin nodded and said.

Hearing Liu Jin's words, Xu Wan'er and Li Zhen frowned immediately and began to think.

"Master, if you use newspapers to promote our Daming First Bank, will everyone believe it more?"

Xu Wan'er thought for a while and said, "Our Daming First Bank is not very well-known, and people don't trust us very much. We always feel that we must be similar to Qianzhuang. If we use newspapers to promote it, everyone will know it, and it will be more Believe."

"A report?"

"This is not..."

When Liu Jin heard this, he immediately shook his head. The official newspaper of the Ming Dynasty was used to transmit and publicize the official documents and political information of the government. How could it be used to promote the First Bank of the Ming Dynasty for you.

But just halfway through Liu Jin's words, an inspiration flashed in his mind.

"梛报~梛报,报报,报告~"

"Yeah, why didn't I think of this."

Then Liu Jin also slapped his thigh in a daze, and his whole person suddenly became cheerful.

Let everyone know that in the final analysis, it still depends on publicity, how to publicize?

Newspapers are definitely the best way. Before there are no various advanced means of communication in later generations, newspapers are always the best way of publicity.

Publicize the various businesses of Daming First Bank by running newspapers, and continue to illustrate the benefits of depositing money in Daming First Bank through various examples. Gradually, everyone will know, and the ideas will gradually With the changes in the industry, the deposit business of the First Daming Bank will naturally be able to operate.

And the benefits of starting a newspaper are many.

Newspapers are also a tool of public opinion. The newspapers run by themselves have the final say on what content to publish on them. If they are used properly, they can gradually grasp public opinion.

In the same way, starting a newspaper can also publicize various industries that are extremely hot now, such as whaling, fishing, ocean trade, textiles, and so on.

Once the newspaper is established and spread throughout the Ming Dynasty, it will not only become popular in the Beijing-Tianjin area, but will quickly spread to all parts of the Ming Dynasty.

In this way, the germination and development of capitalism will become more rapid.

Thinking of this, Liu Jin became excited, and immediately hugged Xu Wan'er happily and kissed her.

"Madam is still amazing, she immediately made me think of a solution, come, give me a reward."

When Xu Wan'er saw that Qin Yi was hugging her and was about to kiss her, she immediately blushed. Although they were already old couples, this was after all in public, with Li Zhen beside her, and two other people close to her. maid.

"Sir, there are others~"

Xu Wan'er reminded in a low voice.

"What are you afraid of? It's not like they haven't seen it."

Liu Jincai didn't care about these things, Li Zhen and Xu Wan'er often served him once, and as for their maids, they also served their masters every day, and they saw everything they needed to see.

"Xiang Gong~"

Xu Wan'er blushed even more, with a look of refusal and welcome, immediately made Liu Jin even more aggressive, picked up Xu Wan'er and led Li Zhen to the bedroom.

When Li Zhen and Xu Wan'er saw this, their faces blushed immediately, and they immediately thought of something, and wanted to resist, but... immediately felt even more ashamed, blushing.

"It's an old couple, why are you shy~"

Liu Jin was naturally shameless, kissing him without any shyness at all. As for the maids of the two, they were already covering their eyes and quietly watching this scene through the gap.

　Go to the first chapter and continue to code~
　　
　
(End of this chapter)