The turmoil in the bank had a great impact on the capital.
Zhu Ying and Zhu Yuanzhang are also very concerned about this news.
There is no online observation these days. If you want to keep track of the latest developments, you naturally have to ask people to inquire.
As Zhu Yuanzhang's eyes and ears, Jin Yiwei naturally did this job.
In the morning alone, Jiang Yu had already run back and forth more than ten times.
Naturally, he does not need to leave the palace, but he still has to go outside Qianqing Palace to receive the information from his subordinates, and then summarize it and tell it to His Majesty and Grandson.
After listening to Jiang Wei's latest report, Zhu Yuanzhang smiled and said to Zhu Ying: "It seems that it is right not to decide directly. Looking at this situation, at least many people have already withdrawn their money from other banks."
"This is a good thing. We don't want the people to suffer too much."
"I estimate that in the morning tomorrow, many ministers will be unable to resist speaking out about this matter."
This small disturbance was very turbulent for the people, but in Zhu Yuanzhang's eyes, it was nothing.
However, judging from the current situation, if it is decided directly, a big accident will inevitably happen, so it is good to let some news out first.
Zhu Ying also laughed and said: "It is estimated that many people will request that such rumors be curbed, and they will even ask for clarification in the Dibao."
Zhu Yuanzhang raised his eyebrows: "These drunkards still want to get involved in our newspaper. Do they really think that we are too old to carry a knife?"
"We have already asked you to inquire about it. Officials' salaries are paid out by our Royal Bank. Every time these bad officials pay out their salaries, they take out the money from the Royal Bank and deposit it to other banks. .”
"Damn it, I keep talking about serving the country and the people all day long, but now for the extra cent of interest, I won't talk about it anymore. I really think we don't know anything."
"Although we can't ban private banks right now, we think we can issue an edict first, telling officials all over the world that all money must be deposited in our royal banks. Grandson, what do you think?"
Zhu Ying thought for a while, shook his head and said, "This is a bit of a warning, but it actually doesn't make much sense. Even if they don't take the money from the bank here in the capital, they can take it from other places."
Zhu Yuanzhang also knew this situation.
In the face of interests, these dog officials are particularly clever, and they are much better than doing their own jobs.
Wouldn't it be better to focus on serving the country and the people, staring at the small profits in front of you every day?
But having said that, Zhu Yuanzhang didn't have much feeling for Qianzhuang before.
Since the establishment of the Royal Bank, I haven’t been too concerned about it.
In his mind, a bank is just a place to save money, making it more convenient for people or businessmen to buy and sell without having to carry a wad of banknotes around, which is not safe.
However, in the past few days, because the eldest grandson proposed to ban private banks, Zhu Yuanzhang paid more attention and asked Jiang Wei to summon a shopkeeper from the Royal Bank in the capital to the palace to inquire about the bank's management. Condition.
After listening, Zhu Yuanzhang's eyes almost glowed green.
His grandma's, is this how the bank originally made money?
For fixed deposits, the bank will give you interest. Of course, it won’t be a lot, but money also makes money.
Generally speaking, fixed deposits start in three years. For example, if you have 10,000 banknotes, you can get an additional 900 banknotes after three years.
This is equivalent to an annual interest rate of three cents.
The interest rate is actually very low. For example, private banks offer four cents, five cents, or even eight or nine cents. Generally, they are higher than royal banks.
When he heard this, Zhu Yuanzhang was still a little worried.
If everyone else saves a fixed amount of money in a bank, wouldn't it mean that they have to give out a lot of interest every year?
Not to mention other places, the bank responsible for the shopkeeper who was summoned to the palace alone has tens of millions of fixed deposits. Doesn't that mean that the bank pays hundreds of thousands of interest every year?
There are probably hundreds of Royal Banks. Even if you don’t ask about them specifically, you still have a general understanding of them.
Even if other banks naturally don't have as many certificates of deposit as Jingshi, when added up, it is definitely not a small amount. Millions of dollars in interest a year must be paid out.
Zhu Yuanzhang felt that people were not well.
If Da Sun does this, the bank will lose money.
The shopkeeper is also smart and can observe people's emotions.
When it comes to making money, it is obvious that His Majesty's pressure seems to be a lot greater.
So he quickly explained the bank's profit projects.
The first is the handling fee.
There is no handling fee for depositing money, but there is a handling fee for withdrawing money.
However, if the deposit and withdrawal are made at the same bank, the handling fee will be waived.
Routinely withdrawing money from different banks within the same city is based on Qian Guan Yi note.
If it is across the city, within the same city, it is Qian Guanliang banknote.
And if you don’t want to withdraw money from different provinces, you need a hundred notes.
It is not convenient to withdraw money across provinces now. If a businessman wants to withdraw money across provinces, he must first go to the bank where he deposits money to open a voucher.
There are two types of vouchers.
One is a fixed amount.
In other words, this note represents how much treasure money can be taken out at the designated bank.
Another option is the total amount of money saved.
With this slip, you can go to the designated bank to withdraw all deposits.
It sounds like a bit of trouble, but the advantage is that the voucher is more secure and can be replaced even if it is lost.
If you encounter any robbery or the like on the road, just tear off the voucher slip.
Currently, vouchers only support fixed-point transfer.
For example, a businessman in a royal bank in the capital wants to transfer money to Guangdong Prefecture.
Then on the voucher issued, it will be clearly stated in advance that the withdrawal will be made to a certain house, a certain bank, or which bank.
If you lose your voucher, you can take your household registration information to the bank over there to get a replacement.
However, this requires paying a fee, requiring a document explaining the issuance, and then going to the bank where the money was deposited before to send a voucher.
Although you need to wait a few days, the money will not be lost, which is better than safety.
This is where banks make money.
The second is the lending rate.
The fixed deposit is three cents per year, while the loan is two cents per month.
If there is a high-quality guaranteed mortgage, Royal Bank's loan can even be as little as one cent per month.
This situation is a huge blow to those gang members who engage in high-profit activities.
Because in the absence of mandatory legal provisions, borrowing can basically be done as high as you want.
It is almost a normal phenomenon to make money after nine out of ten.
From the side, it can be regarded as rectifying the environment of Ming Dynasty.
Especially private businessmen who are now opening factories, with policy support, it is easier to borrow low-interest banknotes.
This has allowed Ming Dynasty to develop extremely rapidly in industrial development.
"In other words, our bank has actually been making money and not losing money?" After Zhu Yuanzhang heard this, he asked the bank manager.
The bank manager immediately replied: "This is natural. Of course the bank cannot lose money, especially after His Highness the Grand Sun proposed a mortgage, the Royal Bank will make even more money."
Zhu Yuanzhang obviously didn't know some of the specific operations here, so he asked: "Mortgage loan? What is that?"
The shopkeeper had no choice but to explain in detail.
Whether in the capital or other cities, houses are a major topic.
With the economic development of the Ming Dynasty, led by the capital, the population of capital cities in various provinces was also rising rapidly.
And buying a house is obviously a lot of pressure no matter what era you are in.
So now I have a mortgage.
You only need to pay 30% of the house first, and then mortgage the property deed to Royal Bank. The remaining money can be distributed to the bank over several years or even ten years.
Payment in installments.
Naturally there will be some handling fees included.
In fact, other banks have similar projects for house deed and land mortgage loans.
The difference is that people need to buy the house first and obtain the title deed before they can proceed with the mortgage.
Here at Royal Bank, you get a direct mortgage when you buy a house.
In addition, other banks would not dare to do such a time span of several years to ten years, and even if the interest rate is not 9 out of 10, it is still very high. How can there be such a conscience of Royal Bank.
It can be said that this mortgage business is all handled by Royal Bank, and it is also the main business of Royal Bank.
Understanding the specific situation of banks, Zhu Yuanzhang became more aware of the impact of banning private operations.
A bank involves too many people.
If only a few or a dozen companies had problems, it would certainly be nothing to the overall economy of Ming Dynasty.
But if a prohibition notice is issued directly, it will all turn into a mess.
Zhu Yuanzhang was a little unaware and took action.
"Dasun, if it really happens, how will we deal with it in the end? We can't just ignore the life and death of the people." Zhu Yuanzhang asked worriedly.
This is even more difficult than dealing with corrupt officials.
The Guo Heng case only embezzled more than 20 to 4 million yuan. This is already a shocking case.
At first, Zhu Yuanzhang used the Guo Heng case to pursue stolen grain, which turned into a nationwide commotion. As a result, all wealthy people went bankrupt, and the total amount was only so much.
Even if there is no detailed calculation of the current affairs of the bank, it is estimated that the amount of treasure money is at least a billion.
More than a billion.
What a shock this could cause.
In fact, Zhu Yuanzhang underestimated the wealth of the people.
More than a billion is not enough, it is estimated to be at least several billion.
You must know that in private banks, there are not only treasures, but also a large amount of gold, silver, and even antique calligraphy and paintings and a series of valuable things.
However, Zhu Ying has obviously already thought of a countermeasure.
"Don't worry too much. It's definitely not possible to leave things alone. If we really need to take action, all these banks will naturally be merged into the Royal Bank."
"For the common people, the conflict is not that big. It's just that the bank has changed its owner, and then the interest rate will be adjusted to be the same as that of the Royal Bank."
"It is estimated that there will be some underground banks in the future that illegally charge high profits and hoard money. It will be much easier to deal with these."
"Although the common people will complain a little, those businessmen who borrowed money from banks at high interest rates are grateful to us. After all, the interest rates they need to pay will also be reduced accordingly."
What seems like a dead end is not a big deal here to Zhu Ying.
From this aspect, the only ones affected are the families behind the private banks, which is far from the situation of anger and resentment.
Whether it is the current turmoil in the capital or the turmoil in various countries in the future, many people feel that their money will disappear directly, and this makes them more and more nervous.
Since Zhu Ying wanted to take advantage of the bank's cake, of course he had already prepared a strategy to cover it up.
After Zhu Yuanzhang heard this, his eyes suddenly lit up.
"What a good idea. It's really a good idea. Why didn't we think of this?"
Not only did Zhu Yuanzhang not expect this method of breaking the situation, even the bosses behind the various banks did not expect it at all.
The simple method is actually the essence condensed for future generations.
After all, few can understand the business economy and the germination of capital.
This is a time difference and has nothing to do with intelligence.
Originally, whether a businessman was in the Ming Dynasty or the previous dynasties, his status was just that.
Scholars and smart people with wealth do not read books for business, but books for gaining fame.
No matter how high your IQ is, you still need to learn. No one is born with knowledge.
In this area of finance, 90% will be affected by future generations.
No one who has come to education understands what is going on, let alone today.
Zhu Yuanzhang felt relieved after knowing how to deal with it.
The past few days seemed a bit careless, but in fact Zhu Yuanzhang was somewhat worried. Even Xiao Wen Cheng was distracted from time to time, for fear of causing big turmoil and ruining the current good situation.
Sure enough, no matter what time it is, you can always trust Dasun.
...
The outer suburbs of the capital.
It sounds a bit desolate.
In fact, due to the continuous increase in the population of the capital, the outer suburbs have actually become a lively market.
In a courtyard somewhere.
Nearly twenty bank bosses have already gathered here.
There are naturally more than twenty banks in the capital, but these twenty-odd banks are the largest, and the smaller ones behind them are not eligible to participate in today's bank meeting.
The reason why they gathered here was of course because of the recent turmoil in the capital.
There was no smile on every face, and most of the brows were furrowed and filled with worry.
The pressure is really too much.
Not every bank has such strong capital reserves as Sihai Bank. Everyone knows how important credibility and reputation are to a bank.
Only when there is really no other way, or if the money in the bank is insufficient, will it be closed first.
Closing the store is not an escape, it is just telling depositors that they don’t have enough money and they are working hard to mobilize money from other places.
Of course, their method of mobilizing treasure money is basically to use the Royal Bank.
This has also increased the business of Royal Bank.
Cross-regional deposits and withdrawals are charged on a pro-rata basis. If it is 10 million, Royal Bank can earn 20,000, which is no different from picking up money for nothing.
All that is needed is the cost of a trip to the inn.
As a government-run operation, the cost of the station is almost negligible at this scale.
The bank here in the capital has seen hundreds of millions of transactions in just the past few days, which has brought hundreds of thousands of profits to the royal bank.
Of course, some large banks can also do business by themselves, and have the guards bring the money directly to save this expense.
Today, the meeting of these bank bosses is to unite as one and collectively fight against the government-run regulations that the imperial court may have measures against.
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