Daming: I, Yang Xian, really govern Yang!

Beijing.

Suzaku Street.

In front of the main gate of the Ming Dynasty Bank, people who came to watch the opening ceremony of the first bank in the Ming Dynasty heard this.

Straight into the trap!

Deposit money, charge no interest, and keep it for us for free? And is it directly endorsed by the country and the court? !

For borrowing, only three points of interest are charged, and it is also one interest per capital, low interest and no interest compounding? !

OMG!

This is simply blaming Tianen, and everyone knows that although the head of Daming Bank is Yang Siyi, the direct person in charge behind it is the current prince Zhu Biao.

Daming Bank officially opened.

People flocked to the bank.

The officials and staff below immediately started busy, responsible for connecting with ordinary people.

The chief officer, Yang Siyi, led the wealthy businessmen from the capital into the VIP box.

The concept of VIP reception is also one of the aspects of the Daming Bank design that Yang Xian gave Zhu Biao.

The decoration in the VIP private room is very elegant.

The wealthy businessmen sat down one by one, and the bank staff immediately served hot tea and snacks.

But at this time, none of the wealthy businessmen present were in the mood to drink tea, and everyone looked at Yang Siyi who was sitting in the main seat.

Yang Siyi looked at everyone, smiled softly, and said: "You are all business leaders in the capital and have abundant funds. Our Da Ming Bank will naturally treat you as VIPs. Da Ming Bank will still rely on your support in the future."

Yang Siyi's words brought him closer to everyone.

He made all the wealthy businessmen present have a good impression of him.

You must know that businessmen had a low social status in the Ming Dynasty, especially during the Hongwu period.

The Yang Siyi in front of him was a high-ranking official in the imperial court, but in later generations he would be a ministerial-level official.

Even in later generations, those businessmen would be flattered when they encountered this kind of treatment, let alone Hongwu of the Ming Dynasty at this time.

Therefore, after hearing Yang Siyi say, "It depends on everyone's support," all the wealthy businessmen present stood up immediately, saying "don't dare, don't dare".

Yang Siyi was very satisfied when he saw this and said with a smile: "Everyone, sit down. Daming Bank is different from all the yamen you have dealt with in the past. There is no need to be so formal."

Although the wealthy businessmen all sat down, only part of their buttocks dared to touch the chairs.

After simple greetings.

Yang Siyi went directly to today's topic. He looked at the wealthy businessmen and said with a smile: "You are all wealthy businessmen in the capital. Our Da Ming Bank has opened a special business for you, which is the large time deposit business."

"Large time deposit?" the wealthy businessmen asked in confusion.

This is a completely new term for them, but the literal meaning is not difficult to understand, it is straightforward and easy to understand.

Yang Siyi nodded and said with a smile: "Yes, to put it simply, after the deposit reaches a certain amount and a certain period of time, our Daming Bank will not only not charge custody fees, but will also give you interest."

"Take the minimum standard of 5 taels of silver as an example. If you deposit it for three years, you can get a one-time interest of % after maturity. That is to say, after three years, you can withdraw taels of silver from two deposits with interest. "

"If you deposit for five years, you can get a one-time interest of 2% after maturity."

"If you save for eight years, you can get a one-time interest of 5% after maturity!"

As soon as these words came out, all the wealthy businessmen sitting here were all moved. This was also Yang Xian’s proposal to Zhu Biao regarding the Daming Bank in his memorial, and Zhu Biao accepted it.

Even the highest interest rate for large time deposits, 5% for eight years, is actually less than 1% per year on average.

As for the loan interest issued by Daming Bank, no matter how low it is, the monthly interest rate is still 3.6, which is on an annual basis.

No matter how you calculate this account, it is a guaranteed profit.

Yang Siyi, who has also been dealing with money for half his life, couldn't help but clapped his hands and applauded on the spot after hearing Zhu Biao talk about this idea. He became even more impressed by the unfamiliar Yang Xian.

Before Yang Siyi became the chief official of Daming Bank, he held a local position and went to Shaanxi Province to participate in politics.

Therefore, I didn't know Yang Xian. I used to know about him from the Ming Dynasty Daily and the imperial court newspaper. After arriving in the capital, I heard about Yang Xian's various deeds from various people.

There were twenty-seven wealthy businessmen from the capital present.

Yang Siyi specially asked people to investigate the details of all of them.

Some started out as tea horses, some were engaged in import and export trade, some were engaged in gambling houses, and some were engaged in silk cloth.

They have one thing in common, that is, they all have money.

Anyone who can receive an invitation letter from Da Ming Bank and enter the VIP box to discuss matters has a net worth of less than one million taels.

In future generations, they will all have a net worth of upwards of 10 billion.

Yang Siyi said: "When you all first came here, I already said that Daming Bank has just been established and needs your full help!"

"You are all businessmen of the Ming Dynasty, and you should also contribute to the construction of our country!"

"What's more, this money is not for free, everyone. The interest offered by our Da Ming Bank is already quite generous."

Yang Siyi paused, and then said: "His Royal Highness the Prince was unable to come in person today because of something, but before I came, he said a word to us. He said that as the president of the head office of Daming Bank, he was willing to use the title of Prince , as a guarantee, I promise that any money deposited by any citizen of the Ming Dynasty into the Ming Bank will never be less than one penny!"

“When the time comes, depositors will never be shortchanged by a penny in interest.”

"I, Yang Siyi, will also use my official status as guarantee today."

After he finished speaking, Yang Siyi took out the official seal symbolizing his vice president of Daming Bank and placed it directly on the table next to him.

The wealthy businessmen present, look at me and I look at you.

No one spoke first, even though Yang Siyi's previous actions had already shown full sincerity.

But when it comes to their own money, they are still cautious.

Anyone who can raise their family property to their level is not a human being.

After all, there are too many lessons learned in history.

Where did the idiom "high in debt" come from?

Song Renzong directly borrowed money from merchants and refused to repay it. In order to raise funds for the military campaign against Xixia, the court borrowed a lot of money from wealthy households. Among them, the Li family alone borrowed more than 200,000 yuan. The money was not paid back in the end, and only a few "capital official titles" were given to these wealthy households, and everything was settled.

These so-called "capital official titles" are just false titles, which are not a cost to the court. Hundreds of thousands of dollars of property are real property to the people, and the rich families obviously suffer miserably.

Such examples abound throughout the ages.

It doesn't matter if the deposit is a small amount, but if it involves a large amount, they are really worried.

These wealthy businessmen thought for a while and decided that they had to give the imperial court face, otherwise they would not be able to step down now. (End of chapter)