Gao Wu Da Xia: The fox demon lady at the beginning

Chapter 140 First Bank
People are not stupid, how could they not like such exquisite and sufficient new coins?
Nowadays, many people are thinking about how to exchange their ordinary money and precious money into new money.

However, the amount of new money is not very large yet, so Han Chufan just made the gold and silver on hand into gold and silver coins.

Moreover, the new money is only given to new troops, so it is difficult for ordinary people to get new coins.

Now ordinary soldiers in the New Army are paid 20 taels per year, squad leaders are paid 50 taels per year, group leaders are paid 100 taels per year, deputy directors are paid 200 taels per year, and directors of each department are paid [-] taels per year.

The deputy directors and directors all like to choose gold coins to settle their annual salaries.

Because gold coins are rarer than silver coins, they are a status symbol.

Those who have gold coins in their hands now are all senior officials of Qingxiang Guard.

There is already a black market in Qingxiang Wei.

Only three taels of Tongtong money or two taels of treasure money can be exchanged for one tael of new silver coins.

As for the price of gold coins, they are even higher. Many people collect them after redeeming them.

"Sir, our new money is very popular with everyone."

In Han Chufan's study, Chen Jingwan said happily.

Han Chufan took a sip of tea and said with a smile.

“That’s a natural thing. Survival of the fittest, good money eliminating bad money, is the basic law of the market.

Now that our new money is so popular, it's time to move on to the next step. "

A few days later, news came out in Qingxiang Guards.

What kind of first bank was established by Ping Beihou, and this new type of gold and silver coins can be exchanged in the first bank, but the number is limited.

“What is First Bank?”

"Is it really founded by Ping Beihou?"

"I don't know either. I heard people say yes. Let's go and see."

"I heard that two first banks have been built in Qingxiang Acropolis and Ping'an Fort. They will open tomorrow. Then we will go and see if they can really be exchanged for silver coins."

The people in Qingxiang Guards who wanted new money suddenly became excited.

Although I don’t know what this First Bank is.

But when I heard that I could exchange silver coins, I was immediately full of interest.

The next day, two new stores opened in the best locations in Qingxiang Weicheng and Ping'an Fort.

These two shops are two-story buildings built of bricks and have become landmark buildings of Qingxiangwei and Ping'an Fort.

Early in the morning, there was a line of people in front of the First Bank.

At the appointed time, First Bank opened on time.

A row of beautiful girls stood at the door, smiling brightly, welcoming the guests.

“At our First Bank, you can exchange silver and gold coins.

Two taels of Tongqian silver can be exchanged for one tael of new silver coins, and three taels of treasure money can be exchanged for two taels of new silver coins.

If you want to exchange gold coins, you must exchange them with silver coins. Ten taels of silver coins can be exchanged for one tael of gold coins.

Everyone understands, please line up. The number of silver coins and gold coins is limited every day.

Everyone should consciously line up and avoid crowding. "

People flocked to exchange the new currency, and several new troops had to be called in to maintain order.

“Executive member Zhang, our First Bank not only provides the business of exchanging new currency, but also provides the business of deposit and loan.

The spare money at Zhang's home can be deposited in our First Bank, and our First Bank will give you three-cent interest every year.

For example, if Zhang Yuanwai deposits 1 taels of silver in our First Bank, he will receive an interest of 300 taels of silver every year. "

The beautiful girl introduced the deposit business of First Bank.

"Is there any interest on saving money?" Zhang Yuanwai asked in surprise.In the past, in order to facilitate the purchase of goods in other places, I would put money in those big banks and exchange it for banknotes, and I would have to pay the bank for storage fees.

This No. [-] bank actually gives you three cents of interest per year when you save money. It’s really a good place.

"Is it safe to deposit the money with you?" Yuanwai Zhang asked with some doubts.

"Don't worry, Mr. Zhang, this First Bank is run by our Lord Pingbeihou personally. Are you still worried about safety issues?" said the staff of Beauty Bank.

Zhang Yuanwai nodded.

In Qingxiang Guard, Han Chufan is a god-like figure, and the people trust Han Chufan from the bottom of their hearts.

"Then, if I deposit common money and treasure money, can I use new silver coins to settle the interest?"

There is no use keeping the money at home. If it is kept in the First Bank, its safety should be guaranteed. After all, this is Pingbei Hou's property.

Zhang Yuanwai was excited to earn 3 cents of interest every year.

The Beauty Bank staff member shook her head, "First Bank only supports the deposit and withdrawal of new silver coins and gold coins."

"Well, then I have to quickly exchange my money for new money."

"Then, what is the loan business you mentioned just now?"

Zhang Yuanwai asked curiously. This was the first time he heard this word after doing business for so many years.

"Zhang Yuanwai, the so-called loan business is if you need money urgently for business or other things.

You can use your own assets such as houses and shops to get a mortgage loan from First Bank.

As for the quota, it needs to be evaluated by First Bank.

After your funds are turned over, return them to First Bank, and you only need to pay us an interest of five to six cents. "

The beautiful bank staff explained.

"This First Bank can actually lend money. This is great. Who hasn't been in need of money urgently?

Especially for people like them who are doing business, they have to load a lot of goods at one time, and often there is no capital turnover. " Zhang Yuanwai thought in his heart.

The people around who came to exchange new gold and silver coins were all explained by the staff of Beauty Bank about the deposit and loan business of First Bank.

Many ordinary people are very interested in First Bank's deposit business.

The people of Qingxiangwei should be the richest in Daxia, and their families basically have some spare money.

Especially the family members of the New Army. The New Army's treatment is very high and they have saved a lot of money recently.

If you deposit money in First Bank, you can get an interest every year, which is very attractive to ordinary people.

The merchants who came to exchange new money were more interested in the loan business of the First Bank.

The interest rate of the loan is not very high, and it can help them solve the problem of capital turnover.

In any era, borrowing money is the most difficult thing. Now with First Bank, we can help them solve the problem of difficulty in borrowing money.

There was an endless stream of people coming to exchange the new currency, and the people queuing up blocked the road in front of the First Bank.

The Mint hired many people and expanded the production of new gold and silver coins.

Silver coins, in particular, are in greatest demand.

Because money is the money that people usually use the most.

Han Chufan had people directly smelt the currency and treasure money exchanged by the bank, extract the silver and use it to make new silver coins.

Generally speaking, the exchange of new silver coins is not a loss, and you can make a little less.

But this is not Han Chufan's focus.

What Han Chufan cares about is to use new currency to open his first bank to every corner of the world.

Take complete control of the world's economy.

(End of this chapter)