Zhu Yuanzhang thought for a while, picked up the tea and took a sip, "Pfft, what kind of tea is so bitter?"
"Kuding tea, It’s really a bit bitter, it’s medicine,” said the director.
"Change, we don't get angry anymore, it's like coptis water." Zhu Yuanzhang didn't want to take a second sip.
"Change, come, give, drink, Mao, hey hey hey hey" Zhu Wentian immediately brought the teapot and replaced it with new green tea, Huangshan Maofeng.
"There are gold and silver deposited by others in the gold and silver shop. They charge a certain storage fee. If others go to get the gold and silver"
Zhu Yuanzhang took a sip of green tea and found that it was sweet, because The Kuding tea was too bitter and there was a contrast. He talked about the gold and silver shop.
"Your Majesty, it just so happens that we have opened a bank. We can call it a bank, but the bank is better. We need to explain the functions later, and the nouns are easier to apply.
If someone goes to Gold and Silver The shop withdraws the money and asks them to come to our bank to pick it up. It is a good time to check the gold and silver shop's account to see if there is any illicit payment.
The agreed monthly interest shall not exceed three cents, if it exceeds. Now, we can earn back one thousandth of the interest money.”
The director followed what Hanhan said to promote the banking industry and keep up with financial services. The issuance of treasure banknotes will inevitably require back-and-forth exchange. channel.
It just so happens that a bank branch should be opened next to the department store in each county to collect deposits, grant loans, currency exchange, and bill exchange
"In this way, there will be no gold and silver shops in the future. No, they can be used specifically to help people process gold and silver jewelry.
It will take some training to find someone to take charge of it. Anyway, we have learned a lot about it, and it will finally come in handy.
The sergeants who stayed behind were afraid that they would not be able to learn well, and my brains were buzzing when I saw some of what you wrote."
Zhu Yuanzhang got some of the banking business content copied by Li Chang, and asked Zhu Wentian. It is very simple, and it has not yet involved other functions of the central bank.
When deposits and loans have interest, finance will begin, and deflation and inflation will be adjusted through reserve ratios and interest rates. .
In addition, foreign trade profits are exchanged for collateral to take out treasure banknotes, and open market business is targeted at lower-level banks.
In the Tang Dynasty, Zhu Wentian would never have thrown out the bank so early. , after the Song Dynasty and the Yuan Dynasty, the financial industry already had a foundation, and both businessmen and people knew it.
Without the Song Dynasty’s Green Crop Law, people would still borrow money when they were not receiving money, so Zhu Yuanzhang required that the interest rate should not exceed three points per month, or 36 percent per year.
Zhu Wentian wants to reduce this to less than 6%, or even 3%. Because the interest rate on deposits is low, others will waste money and storage fees. The bank will return the interest to the people and give 10%. Everyone is happy.
The higher the interest rate on borrowing, the faster the inflation rate. Using low interest rates to curb high inflation and using high reserve ratios to deal with runs is currently very easy to control.
Wait until some smart person thinks he understands Daming SilverI want to exploit the way the industry operates, and then teach them how to behave.
Including the Yi people, whose silver production is high, they want to use it to impact the Ming Dynasty's financial system and swallow up as much as they can.
"Your Majesty, they don't need to learn too complicated theories. They just need to learn the operations well. The bill of exchange adopts the four-part rule. If they learn how to fill in the format, there will be no problem."
The headmaster himself had a headache learning it, but he had to learn it.
"Our department stores use triplex in our department stores, and we also collect taxes. How did you come up with it? What are you going to eat in the morning?"
Zhu Yuanzhang took two sips of tea, and became even hungrier and unwilling. No more wasting your mind, hurry up and eat.
"Your Majesty eats shredded radish, oyster and tofu soup. Others modify it according to their physical condition. The princess eats something different."
"Eat, are there any mutton buns?"
"Yes, but Your Majesty can only eat pork buns, as the mutton ones will cause internal heat."
"Then let's eat steamed dumplings. If you dip them in vinegar, you won't be sucked up by the noodles."
p>"Okay, there is Laba garlic."
So Zhu Wentian drank shredded radish soup and had a satisfying meal of dumplings, and immediately sent someone to borrow gold and silver from the gold and silver shop in Nanjing City.
At the same time, bring the account. Whoever wants to withdraw the gold and silver can exchange it to the bank temporarily established at the convenience office.
However, if you want gold and silver, you will be charged a storage fee according to the rules of the gold and silver shop. If you don't want gold, silver or copper coins, you will be given an equal amount of treasure banknotes and the storage fee will be waived.
“Hanhan, not a single gold and silver shop is clean. The maximum profit promised is three points, but they can actually get five points.
In one year, according to twelve The monthly calculation is 60%. The key is to pay the principal and interest in equal amounts every month.
This is not 60%. If the interest is not paid first and the principal is not paid, the difference is too big. I can't breathe."
The village chief went to Hanhan at night to talk about what happened during the day. The court now has audit experts, but no one from Xiaqiu Village was sent to help.
Zhu Wentian shook his head, "It depends on the use of the funds. For example, I think it will take eight to ten months to make money with the borrowed money. Naturally, I hope that it will be interest first and then the principal, otherwise I won't be able to make money." Pay off the principal and interest in equal amounts.
If I can get some money every month and the total interest of the principal and interest in equal amounts is lower than the principal and interest in equal amounts, I will choose the principal and interest in equal amounts. >For the people who are farming, it is actually better to pay the interest first and then the principal for three months. After three months, the grain can be repaid together.
The bank can even provide a subsidized deferment of the principal and interest. Repayment, so that the people have little pressure and don’t have to pay back a penny before harvesting.
For banks, no compensation will be paid. The total interest for the equal principal and interest is less for a borrower, but it can be paid in full. After the principal and interest are recovered every month, the loan will be loaned out again.
But no matter which way it is, 60% is high, and 36% is also high.
Therefore, the state-owned law "Everyone has a home, and the gold and silver shop is waiting to be cleaned up. It's easy to make money, hehehehehe."
Zhu Wentian is very happy to know that Zhu Yuanzhang has promised to do everything in his dream. He has caught the gold and silver shop's handle and criminal evidence, and will give you one cent of loan interest.
The next day, the second day of the second lunar month, Zhu Yuanzhang invited officials and their families to come over and eat pork. When the dragon raised its head, there was no dragon head to eat, but there were pig heads.
The whole pig head is braised and then processed. It cannot be sauced. Once the juice is collected, it will be salty and cannot be fried and mixed.
And I also took photos today. After the last photo shoot, everyone got the photos. They were in color and looked good. I even washed a few more copies for easy storage.
In fact, all the negatives are kept and can be developed at any time.
Everyone arrived before evening and didn’t eat at noon. When we were hungry, we just ate some nuts and snacks and waited for a good meal in the evening.
Some of the ministers were happy, and some frowned. For example, Hu Weiyong was the latter. He always felt that something was wrong. Yesterday, he checked the accounts of the Nanjing Gold and Silver Shop and agreed to pay interest on the gold and silver loan. As a result, they were arrested.
"Weiyong, our good Zuo Cheng, you have been working hard recently hehehehehe"
Zhu Yuanzhang waited for everyone to sit down and said to Hu Weiyong with a sincere look on his face.
Hu Weiyong ""
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