Prince of Song Dynasty

Chapter 850 rushing to send money
"However, these bandits are undisciplined, and most of them are thieves. If they are handed over directly to the legions, they may have the possibility of ruining the discipline of the armies. Therefore, let them be compared with Yelu Hanye and Yelulu first. The more than 1 cavalry were brought to the teaching team, and after three months of training, they were distributed to the various legions."

Yang Jiye said: "I would like to obey His Majesty's will."

Ye Chen nodded, and Yang Jiye asked again: "Okay, the last thing, how is the construction of the Hall of Martyrs and the memorial ceremony going?"

Yu Jiangang, Minister of the Ministry of Rites, hurried out of the shift and said respectfully: "Reporting to Your Majesty, the construction of the Hall of Martyrs has been completed. Three days later, December 25th will be the reconciliation date. By then, the memorial ceremony will be carried out smoothly."

Ye Chen said: "Okay, then pay homage to the fallen soldiers in three days' time."

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"The newspaper is sold, the newspaper is sold, and Xiangfu Bank can deposit money in the bank from now on. Not only will there be no storage fee, but interest will be paid instead. The more money you deposit and the longer the time, the higher the interest."

"The newspaper is sold, the newspaper is sold, and Xiangfu Bank can deposit money in the bank from now on. Not only does it not need to pay money, but it will give interest. The imperial court guarantees that you can draw a mortgage, have a voucher, and can deposit and withdraw in a different place, which is convenient and convenient. Safety."

On December 23, early in the morning, the new editions of "Xiangfu News" and "Xiajing Express" published a headline at the same time, saying that the teenagers selling newspapers carried baskets on their backs and sold them everywhere.There are also some wealthy families or restaurants and teahouses who subscribe for a whole year, and their own newspaper sellers deliver it directly to their door.

After the two newspapers published the news that Xiangfu Bank could save money and had interest, a storm was set off among the people of Xiangfu country, especially among the businessmen.

There is such a good thing?Not only help save money, but also return interest.If it is a private bank, people will definitely think it is a liar.But even in Xiangfu Bank, there are still some people who are suspicious and skeptical.

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He Yuanwai in Dongcheng Xia Jing is very troubled these days. He has a savings of 500 taels of silver and wants to retire, but his sons and daughter-in-law are thinking about it all day long. It is also impossible to fight with his son for this little money.But if the 500 taels of silver are kept at home, they will definitely be missed by the son and daughter-in-law.Not to mention the loss of money, it also made the family morals unhealthy, which seriously affected the harmony of the family.

Early this morning, Yuanwai He heard that Xiangfu Bank could still save money with interest, so he came to Xiangfu Bank with the attitude of giving it a try.

He Yuanwai walked into the magnificent gate, thinking that he didn't ask for any interest, as long as he kept his money for free, it would be good, so that his sons and daughters-in-law would stop thinking about it, and the house would be peaceful.

As soon as he entered the gate, a clerk in Tsing Yi greeted him and welcomed him into a side hall. Through the flower window, he could see many counters in the hall. Behind each counter was an accountant, all dressed in Tsing Yi, Sitting behind the counter drinking tea, waiting for customers to come to the door, the top of the counter is full of iron wires, and there are bamboo clips with some pieces of paper on them. I don’t know what they are for. There is also a strange one on the table. There are strings of beads in the square frame, and they are divided into upper and lower compartments. Although Mr. He's family also does some business, and the main store of Xiangfu Bank is next to their home, he has never had a mortgage. So the first time he came to Xiangfu Bank, the feeling here gave him a particularly strange feeling, and inexplicably gave him an extra sense of trust.

The job brought him green tea, which made his heart calm down even more.But the next moment, a shout came from the door, which startled him so much that he almost didn't spit out a mouthful of tea.

"Shopkeeper, our Han family has saved 5 taels of silver."

The Qianzhuang was suddenly not quiet, because a group of people poured in from outside.He Yuanwai looked up and saw that almost all the people who came were dressed as housekeepers from rich families, to be precise, officials and eunuchs.Among them, the butler who rushed to the front and shouted to deposit 5 taels of silver was Han Cheng, the chief steward of the Right Prime Minister's Mansion he had met once.

"Shopkeeper, our Ma family has 1 taels of silver."

"Shopkeeper Liu, our Yang family has saved 2000 taels of silver."

"Shopkeeper Liu, our Hu family has 3000 taels of silver."

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By this time, Yuanwai He didn't understand that the butlers in front of him were all the butlers of the court ministers.But he didn't know that since Ye Chen asked Jia Xian to start the business of depositing money and interest in the bank at the Xiaochao meeting yesterday, these court officials went back and immediately took out all the surplus money that they didn't need at home and deposited it in Xiangyang. Go to Fu Qianzhuang.Doing so is naturally responding to His Majesty's call, contributing to the court, and sharing His Majesty's worries.But at the same time, it is also because the ministers know the inside story, as long as the Xiangfu Kingdom still exists, the money will never disappear, and if His Majesty said there is interest, then there will definitely be interest.

The head shopkeeper of Xiangfu Qianzhuang's main store is called Qian Hengduo, and he is actually an official from the seventh rank of the household department.Although he knew that the stewards in front of him represented the courtiers, but he would not pay too much attention to the servants in front of him. Seeing the mess, he shouted: "Quiet, shouting, how decent, there are three windows in total!" , Now line up in three lines and come one by one. That He Yuanwai is right! You are the first to arrive, so you go to window number one to apply."

Yuanwai He was stunned for a moment when he heard the words, and wanted to decline, but seeing that the housekeepers of these officials and eunuchs had already started queuing up, he went to window No. [-] under the guidance of a clerk and started to process.

"Boss, your bank really doesn't charge storage fees, but also pays interest?" He Yuanwai took out 500 taels of silver from his pocket and asked for the last time.

"He Yuanwai, don't worry, we don't charge you any storage fees, the bank will give you interest every month, the annual interest is one cent, and give you a voucher, you can take it whenever you need it, so you don't have to worry about getting into trouble. "

He Yuanwai thought to himself that there is such a great thing, letting people keep the money, not only free of charge, but also return the money.He turned his head to look at the impatient butlers waiting behind him, thinking that the officials rushing to save money must be because of His Majesty's will, and only His Majesty would care for the common people like this. Your Majesty is really a wise king through the ages!
When he walked out of the Xiangfu Bank with the signed and stamped receipt and the relevant seal of the imperial household department, He Yuanwai was deeply moved. If he had thought of taking advantage at the beginning, now there is nothing but gratitude For other thoughts, I tidied up my clothes, lay down on the ground, and bowed upright in the direction of the palace.

Not long after, He Yuanwai came out of the bank with a grateful face, and said to some merchants, Yuanwai, and wealthy households who came up to know the news: "You still don't understand that this is His Majesty's grace to us ordinary people. , That's why not only do you not charge storage fees, but you also pay interest. As His Majesty's people, we are so lucky. Ladies and gentlemen, if you don't worry about having money at home, or if you don't worry about taking money on the road, just go in and don't save money. Don't join in the fun, don't wait until the end, the bank's warehouse can't fit it, and you won't be allowed to save money if you want to."

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For a whole day, the cashiers at the three windows of Xiangfu Bank felt that they were going to die of exhaustion. They even ate at the counter, and the line was lined up on the street half a mile away from the store.Qian Hengduo, the big shopkeeper in the backyard of the bank, and Jia Xian, who had been here from the back door for half a day, were almost full of smiles.In just one day, 30 taels of silver had already been deposited. His Majesty's method was really ingenious. The people rushed to send the money to the bank, and they were full of gratitude to the bank, the court and His Majesty.

If you make money and become a Bodhisattva, the annual interest rate is one-tenth of half of the tenth, which is really a very low interest rate. However, in this world where people keep property and must keep storage fees, they do have the qualifications to be a Bodhisattva, but no one To calculate, with the increase of deposits, the share capital of the imperial household department will gradually withdraw, and finally it will become a giant beast that uses their money to make money. Now it is only implemented in Xiajing, and then the banks in various states and counties deposit money to give interest After the business is launched, it is conceivable that almost all the people will deposit their surplus money in the bank.At that time, it will become not much different from the banks of later generations.

In fact, people in this era are more willing to save money than people in later generations, as long as they recognize that Xiangfu Bank really saves money not only does not charge storage fees, but also pays interest.Because this era is far from being as safe as later generations.And now Xiangfu Kingdom has a good reputation because of Ye Chen.

Therefore, under the propaganda of "Xiajing Express" and "Xiangfu News", the people of Xiangfu Kingdom soon came to a consensus that putting money in the warehouse of Xiangfu Bank was no different from that of the national treasury.

The reputation of His Majesty the Emperor is too valuable. If the same thing were done in Song or Liao, the result would be very different.

After Jia Xian recognized this point, he asked the Ministry of Household Affairs to make a calculation. There are more than 400 households in the country with a population of more than 80 million. On average, each household saves ten taels of silver, which is more than 800 million taels of silver.And, as time goes on, the deposit will only keep increasing.

"I'm afraid that from then on, the money in the bank will always be much more than the money in the treasury. The security work of so much money is the top priority. I would like to ask His Majesty for instructions. The bank will establish a silver guard team, and each branch will be counted on the basis of a hundred people. There are no less than 5000 people in the whole country." Jia Xian thought to himself.

When Jingjie drums sounded, the work was about to close. Under the begging of merchants in line, Xiangfu Bank distributed number plates to them, and they will still trade according to the number plates tomorrow, so that they can rest assured that if there is no curfew, Xiangfu Bank will There will be many people sleeping on the streets of Yiyi.

Qian Hengduo couldn't imagine that one day the bank he managed would have more money than the national treasury. What kind of scene would that be?Jia Xian’s words of warning also echoed in his mind, the money is not yours, it is the people’s, you can guide the whereabouts of the money, and never take a penny of money that should not be taken from there, and if something happens, I will tell you, Much more terrifying than military disasters.Qian Hengduo thought so deeply.

(End of this chapter)