"Brother, compared with my younger brother, your wealth is still not worth it. I got 300 million dollars worth of money from the beautiful country here!"
"According to the exchange rate of one to seven, a total of two billion Chinese coins can be used to purchase more than one billion kilograms of rice..."
Zhu Youxiao was shocked: "More than a billion kilograms of rice!"
Zhang Yan took out a dollar bill: "This kind of money is better than my Chinese one hundred yuan for seven?"
Zhang Yan frowned and said: "The Westerners here are so ugly and their colors are not good-looking, why are you doing that?"
When Zhu Youxiao heard this, he also took one and looked at it carefully.
"It is indeed not as beautiful as my Chinese Red Coin. Who is this person?"
Huang Xiaodao: "Franklin, one of the founding fathers of the beautiful country, would not be born until eighty-one years later. He is a great figure."
Zhu Youxiao nodded.
"This is the most powerful country in the fairy world. Their banknotes are definitely more valuable than other countries. However, in the Ming Dynasty, I will make this beautiful country never appear again! And I will make the coins of the Ming Dynasty the most valuable in the world. coin!"
Huang Xiao nodded: "Brother thinks the same as me."
Zhang Yan asked: "Doesn't that mean that the beautiful country only needs to keep printing banknotes to buy the necessary supplies from all over the world?"
Huang Xiao laughed loudly: "Sister-in-law, that's a good question. That's pretty much what I mean! The reason why this country is strong is that it is leading in military weapons and has advanced technology. In addition, the U.S. dollar is another invisible weapon. ! Only with these two items can it dominate the world!"
"However, in recent years, we, China, have also impacted the beautiful country in two aspects. I believe that in the near future, we, China, will surely stand on top of the world again!"
Zhu Youxiao nodded.
"What is the Royal Bank of the Ming Dynasty that my dear brother just mentioned? Currency exchange? Isn't that similar to a bank?"
Huang Xiaodao: "This is a very complex organization, and it is also an extremely important organization. It is not early now, so I will keep the story short. I will give you some information later."
"Although it is similar to a bank, it is by no means the same. First of all, the Royal Bank is a national act. The issuance and regulation of currency are all within its scope of responsibilities. In addition, it has another important function, ensuring the convenient circulation of currency. For example, Liu Cheng confiscated 80 million taels of silver in Zhangjiakou. It needs to be transported back to the capital, which is laborious and unsafe. If there is a bank, it can be deposited in the Zhangjiakou branch on the spot and withdrawn in the capital with the voucher."
"Such functions have already been partially implemented in some larger banks. Royal Bank is just more secure and has more branches."
Zhu Youxiao nodded.
Huang Xiao continued: "It also has a more important function. In the past, most of the money of the landowners and wealthy merchants in the Ming Dynasty was melted into large silver melons and buried deep in the ground. As a result, the circulation of silver on the market was not smooth. , a bank panic will occur, which will have an impact on the development of commerce and trade, people's livelihood and even the operation of the country!"
Zhang Yan nodded.
"The big silver melons that Liu Chengyun brought back weighed several hundred kilograms each. The largest one is said to weigh nearly a thousand kilograms."
Huang Xiao laughed loudly: "Yes, what is the use of such a big silver melon besides being buried in the ground and passed down to family members? If it cannot be circulated, it will be like a pile of waste stones. But if he keeps this big silver melon in the Ming Dynasty Royal Bank, we can melt it into silver dollars, so that the circulation will be smooth, and furthermore, it will promote consumption."
Zhu Youxiao interrupted and asked: "But...how to get these landlords and wealthy people to deposit gold and silver in the bank?"
Zhang Yan also looked at Huang Xiao curiously.
Huang Xiao smiled and said: "Our banks here offer interest to attract people to deposit their money in the bank."
Zhu Youxiao and Zhang Yan were both surprised.
Zhu Youxiao said in surprise: "I help him keep the storage, but also give him interest?"
Huang Xiao nodded.
Zhu Youxiao said: "How much is the interest?"
Huang Xiaodao: "The annual profit is about three to four thousand taels. For example, if the eldest brother deposits 100 million taels in Da Ming Bank, the bank will pay him 300,000 to 400,000 taels after one year!"
Zhu Youxiao was shocked: "Then I don't have to do anything, and I can't eat up the interest alone?"
Huang Xiao laughed loudly: "Yes, congratulations to my brother for being financially free! You can lie down now!"
Zhu Youxiao seemed to understand but also laughed.
"So, my internal funds can also be deposited in the Royal Bank?"
Huang Xiao nodded.
Zhu Youxiao frowned and said: "But if this happens, won't the Royal Bank suffer losses? If everyone in the Ming Dynasty deposits their money in banks, it won't be long before the Royal Bank is closed just to pay interest!"
Huang Xiao smiled: "No, big brother, banks are the most profitable institutions in the world. Let's put it this way, in our current Huaxia country, most of the more than one billion people are making money for banks. With such a base, It deserves to be rich!”
Zhu Youxiao and Zhang Yan were shocked!
Zhu Youxiao asked: "Why is this?"
Huang Xiao smiled and said: "First of all, banks are not philanthropists. After paying interest, the money they get will not be left to rust in the vault, but will be loaned out."
Zhu Youxiao said: "Loan shark?"
Huang Xiao shook his head, "It's better than usury, but it's not low either. Of course, we are in the Ming Dynasty. In order to revitalize the economy, we can naturally make it a little lower. As long as we balance the balance of payments and make a slight profit!"
"In this way, we can not only afford the interest, but also suppress the unreasonable interest rate compounding and other usurious loans among the people. At the same time, we can also suppress land annexation. For example, Zhang San needed ten taels of silver urgently because of a serious illness. In the past, he borrowed usurious loans, and soon he could He will be so deeply in debt that he will mortgage his land!"
"If Zhang San borrows money from our bank, 10 taels, one year, we calculate it as 50%. He only needs to pay back 500 copper coins more. This way, for Zhang San, he has less pressure and does not have to sell his son, daughter or daughter. Land. For our bank, if we pay 50% interest, we will make ten times the profit when it is resold.”
Zhu Youxiao nodded repeatedly.
"So that's how it is, it's really wonderful! It will benefit the country and the people! The bank must be done! It must be done in a big way!"
Zhang Yan said worriedly: "But we don't have the advanced technology and talents as in the fairy world. The bank's calculations must be very complicated. I'm afraid we won't be able to succeed for a while."
Zhu Youxiao nodded: "What Baozhu said is true! Dear brother, do all banks use computers that calculate very quickly?"
Huang Xiao smiled: "Brother is right! My sister-in-law's concerns are also reasonable, but I also have countermeasures."
"I have acquired a company and have asked them to develop a banking system. Although it is not as fast and convenient as my era, it is certainly not a big problem. If I select smart students to train them, I believe that Daming Bank will be able to complete it and build it." success!"
Upon hearing this, Zhu Youxiao bowed and said, "My dear brother, your hard work has made great achievements and your vision is far-sighted. Just do what you say! I really look forward to it being established soon!"
Huang Xiao responded with a salute: "Haste makes waste, brother, don't worry, I will do it as soon as possible."
Zhang Yan said: "Okay, let's talk about this treasure note. Your Majesty, do you think Huang Xiao's head is only worth one penny? I think it's inappropriate."
