Borrow the day to change the day

The explosive news that the imperial court would reform the banking industry gradually spread throughout the entire Beijing city the next day, making people in Jingshi Billing Office and Bank Bank mixed with joy and sorrow.

In the recent period, the people living in the capital are the most frightening people than these people.

After the incident of Jinshang Bank, their businesses were all affected.No matter how they explain their ticket numbers and banks will not abscond or go bankrupt, those who have banknotes still ask them to exchange them for cash, which makes several weaker banknotes and banks suffer. It caused the disaster of the fish pond and was run and bankrupt, which in turn aggravated more people's demand for silver exchange.

Fortunately, the ticket offices and banks in the capital are relatively strong in general, and it took a lot of effort to barely cope with it.

The public opinion in the capital is becoming more and more unfavorable to those people who issue bills and banks, and there are even many rumors that they should close their doors, which makes these people restless day and night.

They also tried to send many people out to explain and publicize, but to no avail, which made them live in fear every day, for fear that one day the imperial court would really be unable to withstand the pressure of public opinion and seal their business.

So let them breathe a sigh of relief when the news broke about reforming the banking sector.But when they heard that the ministries of the imperial court were going to form a bank, they were worried.

They are not comparable to ordinary people, and they know that the key to making money in opening a bank is reputation.Relatively speaking, their ordinary bank accounts and banks are much weaker than the banks opened by various ministries of the imperial court. At least they have the risk of being raided and seized, while that bank does not have this risk.

What's more, if the reputation of the bank and the bank is to be restored to the past, it will be a long-term process even if they have paid enough money to the management agency.

No matter what they think, at least these bank accounts and banks in the capital never thought of opposing the new policy of the imperial court, and they were more concerned about how to deal with it.Because of the public opinion environment of the capital and the background of the political center, these people dare not object.

For this reason, some bank accounts and money houses began to walk with each other to discuss how to survive the New Deal.

The people in the capital are happy to see the establishment of the new bank. For them, one more bank is one more choice, and there will be no such political risk.

The establishment of the new bank was pushed forward very quickly, and the government departments of all ministries quickly sent people to report the amount of capital contribution to Zhongxing Hou.

A few days later, Daming Royal Bank announced that it would no longer accept personal business other than exchanging Jiusibao banknotes.At the same time, the court's announcement was officially released, requiring all capital banks and banks to open their businesses only when their capital reached certain conditions and they had to pay a reserve fund to the Daming Royal Bank.

On the day the announcement was made, the Daming Weimin Bank, funded by various ministries and palaces in the capital, was established, announcing its response to the imperial court's policy, and transporting boxes of reserves to the Daming Royal Bank with great fanfare.

In order to cope with this situation, most of the bank accounts and banks in the capital have undergone urgent consultations in the past few days, and finally announced that these bank accounts and bank banks will merge to form the Daming United Bank.

The reason why this name is used is also to break away from the bank and money bank in the past, and to get rid of the reputation of high risk.

All of a sudden, the word bank became the most popular and fashionable word among the people in the capital.

Then Daming Weimin Bank announced that it would not charge storage fees for deposits, and would also pay interest.And borrowing from Weimin Bank, the interest rate is extremely low.

Of course, this extremely low interest rate is compared to loans in other places. It cannot be really extremely low, otherwise the nascent bank will not make profits from it.

In this way, the people in the capital, especially those businessmen, were full of praise, and at the same time, it also put pressure on the newly established United Bank.

Custody fees and loan interest, which can be called usury, have always been the biggest profits of the original bank and the bank. Now that Weimin Bank has done this, the business has plummeted. If you want to survive, you have to follow suit.

Unexpectedly, Weimin Bank would raise interest rates on deposits and lower interest rates on loans, which almost collapsed Union Bank, which had just kept up with the pace.

At this time, they felt the importance of the existence of the management agency that had been criticized before, that is, the Daming Royal Bank.The major shareholders of United Bank sought out connections or cried directly at the gate of the Royal Bank, imploring the Royal Bank, as the management institution of the banking industry, to make decisions for them, otherwise there would be no way for them to survive.

After several twists and turns, the Daming Royal Bank finally issued an announcement to stipulate a range of deposit and loan interest rates to limit vicious competition among peers.

Even so, Weimin Bank's series of actions have strengthened the background, making it stole the limelight from its appearance, and quickly became the leader of the banking industry.While making a lot of money, it also brought benefits to the common people, and indirectly contributed to the Ming court's comments among the common people.

Of course, this series of things is slowly realized over a period of time.

Zhong Jinwei worked hard on this matter in the first few days, taught a few lessons to the principals of Daming Royal Bank and Weimin Bank, and listed out the steps for them to do things.

People in the Ming Dynasty were not stupid, and many of these people had been engaged in the business of ticket offices and banks.Under Zhong Jinwei's advice, they all understood that the bank could make money in this way.

Zhong Jinwei didn't care about the next thing, but would check the work of the Royal Bank and Weimin Bank every once in a while so that they would not deviate from the previously planned route.

From a certain point of view, Zhong Jinwei is the chairman of Daming Royal Bank and Daming Weimin Bank.It's just a pity that he, the chairman, originally planned to invest a little money himself, and even told his in-laws about this opportunity to make a fortune, but Cao Yubian, the left capital censor of the Metropolitan Procuratorate, ruined it.

After Zhong Jinwei was annoyed for a while, his depressed mood disappeared with the wind.Let's just think that the emperor rewarded those two prosperous shops as compensation, and there are still plenty of opportunities to make money in the future. How can I be so poor that I have power in my hands and have hundreds of years of knowledge in my mind!

Early in the morning, Zhong Jinwei and his group came to the Jingying camp under the protection of the Dongchang Fan servants and his own personal entourage.

A few days ago, after he received the imperial edict to admiral the Beijing camp, he checked the situation of the fifth military camp, and then asked the generals to pick out five hundred soldiers with outstanding assassination skills and nimble hands and feet.

Today is the time for him to inspect the goods, and these five hundred soldiers selected from more than 5000 people will become the targets of his training new army.

Zhong Jinwei went directly to the Beijing camp, and was secretly satisfied when he saw that the generals of the Fifth Army Battalion were already waiting there.

These generals were originally selected from King Qin's army. As the supervisor of King Qin's army, Zhong Jinwei's achievements in the First World War in Gyeonggi were the capital for him to convince these soldiers.What's more, now that they are their immediate boss, it would be abnormal if they don't behave better.

Accompanied by them, Zhong Jinwei walked to the general platform and reviewed the five hundred soldiers in the audience.