"Three, two, one..."
After Bi Ziyan's countdown ended, he pulled hard and the red silk slid down as smoothly as running water, creating layers of red waves.
"big!"
Stretching his neck, he looked at the crowd and saw the words on the red silk and read them all.
But then his expression turned strange.
What's big? It must be the Ming Dynasty, the second character is the character 'Ming'.
The next moment, Li Biao pulled off the second piece of red silk, and the word "明" was revealed.
The businessmen immediately sighed.
"It's really a yamen of the imperial court. It's so mysterious!"
"Hey, it's gone, there's nothing left to see!"
"Master Bi, you are really making us happy with this!"
"Why do you always forget about food and not fight? You can let a minister and five pavilion elders come up in person. Do you think they are all idle? Come and entertain you when you have time?"
"That's right, who do you think you are? If I just say hello, your family is finished!"
"Okay, stop arguing, just watch before you go!"
Some people couldn't stand it anymore and scolded them a few times.
The crowd fell silent. When they looked at the background wall again, the third and fourth words were revealed, which were 'emperor' and 'family'.
Combined with the two words "Da Ming" in front, it means the Ming Dynasty Royal Family.
If the word "royal" is mentioned, even if it is a yamen, it is no longer an ordinary yamen.
Everyone's expressions slowly became serious and they stared at the background wall closely.
Sun Chengzong pulled off the red silk and revealed the word "silver" in front of everyone.
A bank or a bank? Or a silver cabinet?
Several words flashed through everyone's minds, and before they could be confirmed, Yuan Keli finally pulled down the red silk, and the word 'silver' was revealed.
Everyone looked at each other and made countless guesses, but they did not guess that it would be a bank.
But it only took an instant to detonate the scene, and countless people started talking.
"Da Ming Royal Bank?"
"What is a bank? Is it a type of bank or bank?"
"This silver must be silver. How do you understand it? Industry? Commercial bank? Peer?"
"Both industry and business are fine, and money is also a category in business!"
"It doesn't matter. What matters is what the court wants to do? Compete for business with bankers and banks?"
"This is really possible. This thing is a huge profit. The court will definitely have more credibility and guarantees than a private person."
"This is both true and false. If it were His Majesty today, then I would believe it. But will the next one be like the Emperor? Not necessarily!"
"Whether the imperial court opens one or rectifies the money industry, those people are really crazy!"
"Do you think you are planning to re-issue Ming Dynasty treasure banknotes?"
"Hiss... it's really possible. If that's the case, then this move is really wrong, and the good situation will be ruined!"
…
While everyone was talking in low voices, the five cabinet bachelors on the stage got off the platform.
But in the eyes of everyone, they all looked serious, but their eyes were full of expectation and longing.
"Yes, you read it right, let alone guessed it wrong. It is the Royal Bank of Ming Dynasty. It has two main purposes. The first is to rectify the banking industry.
I and my colleagues from the Ministry of Household Affairs have conducted an investigation and found that private banks, banks, pawnshops, etc. are a mixed bag. People's pawning and borrowing are simply shocking.
You should have heard of this, you should have heard of this, it means borrowing ten taels of silver, and after nine taels are in the hands of the people, the remaining one tael is the handling fee.
But the problem is that after the three-month cycle, the borrower has to pay back thirteen taels of silver to the bank. In one cycle, the bank earned five taels of silver.
I would like to ask you, which other industry can achieve such huge profits within three months?
What’s even more frightening is that if you can’t pay it back within the cycle, you will start to compound interest, and you will have to pay back forty-three and a half taels of silver to the bank after one year. How crazy is this?
Unable to pay off for a while, they immediately went bankrupt, sold their children and daughters, and forced many people to death! "
"There is a saying: one loan must be repaid three times; the interest is compounded and the loan is repaid every year; one year borrowed and ten years paid back; several lifetimes, it will not be finished!"
hiss……
Most of the people took a breath of air-conditioning. They had heard and seen many things about nine departures and thirteen returns.
But today they heard for the first time what Bi Ziyan said later about interest compounding. The interest rate increased four times a year. This was simply crazy.
The faces of the few who have heard of it are full of confusion and guilt.
What if they knew? Can you lend them money?
If you borrow one today, tomorrow there will be a hundred or a thousand people asking you to borrow money. Will you lend it or not?
If they can pay it back, that's all. What if they can't?
It is even said that the person who borrowed the money deliberately refused to pay it back. What can you do?
Beat him up or kill him? This all violates the laws of the Ming Dynasty.
This is the ugly side of human nature. Although it is rare, it does not mean there is none.
Although they have compassion, it does not mean that they will lend the money.
"The loan interest rate of Daming Royal Bank is not necessarily the lowest, but it must be the most reasonable in Daming Bank, including the loan process, review process, return, etc."
"Whenever you encounter problems in the business process, you can go to the bank and give it a try. It will definitely be easier than your personal loan, and you won't owe any favors. After all, favor debts are the most repayable!"
"Bi Shangshu, according to you, can everyone borrow money?"
“Theoretically, this is the case, but the details must be reviewed, such as those of you present, it is definitely possible.
Another example is Zhang San, who eats, drinks, whores and gambles, is proficient in everything, loves to eat, is lazy, and also causes trouble. Such a person will definitely not borrow money because he cannot repay it!
Another example is Li Si, an honest common man whose son is looking for a wife when he grows up. This kind of thing can definitely be borrowed. "
"Theoretically, you can borrow money, but there is only one thing, that is, those who have violated the Ming Law will not be allowed to borrow money for a year at least, or forever at worst!
The files of the Royal Bank of the Ming Dynasty and those of the government, Jin Yiwei, and inspection teams are connected, and there is a free operating mechanism, so you can rest assured. "
"For specific details, you can wait for the banks to open in various places for consultation, so I won't go into details here."
Everyone laughed.
But they are also extremely heart-warming and touching.
Many of them encounter problems that cannot be replenished. They are lucky if they can borrow money. If they cannot borrow money, they sell the property at a low price, or even go bankrupt.
The emergence of Ming Dynasty Royal Bank gave them a way out.
For a moment, everyone's eyes were full of fire.
At the same time, I also secretly warned myself not to violate the Ming Law.
“The second function of the Daimyo Royal Bank is deposits. As the name suggests, people deposit their money in the bank and the bank keeps it for them.
It's safer to store it in a bank than at home. I guess no one would dare to rob a bank!
Of course, we also have to charge part of the storage fee when depositing it in the bank. Depending on the amount of the deposit, the fees charged are different, ranging from a few cents to 1 to 5 cents per thousand.
You can consult the specific standards when the bank issues them. I won’t go into details here! "
As soon as this item came out, everyone nodded at first, then shook their heads randomly, and then nodded again.
His eyes were filled with confusion. What he said made sense, but something was wrong.
