"Good guy, Daming Royal Bank can make money both in and out!"
"What does it mean to lend our money to the people and charge them interest?"
"What the hell? I'm just using a chicken to lay eggs with nothing!"
"You can't say that. If you deposit it in a bank, it is absolutely safe. You are not afraid of being missed by thieves. You can only be a thief for a thousand days. How can you guard against thieves for a thousand days?"
"That is, can you guard against foreign thieves, and can you guard against domestic thieves? No matter how deep and secret the cellar is, the secret may be leaked, and then it will be over.
It's different if you deposit it in the bank. As long as the bank is there, your money will still be there. "
"Yes, the storage fee is one tael per year for one thousand taels of silver. Is that much?"
"Besides, they don't force you to save. You can choose by yourself. It doesn't matter if you borrow the chicken to lay the egg!"
"That's not what you said. Private banks don't charge custodial fees for depositing money! Why does the imperial court charge you for depositing money? Why?"
“It’s based on safety, and it’s based on the fact that no one dares to rob the Royal Bank of Ming Dynasty. Is that enough?”
…
There are different opinions on the issue of deposits and custody fees.
But they are all trying hard to convince themselves that charging storage fees is right.
Not to mention them, even the six cabinet officials who listened to the emperor's explanation were shocked.
But the emperor said it directly, if love exists or not, it will be pulled down, and there is no force. Anyway, if it is lost, it is their own.
Bi Ziyan did not explain the arguments among the merchants, but continued: "The third function of the Royal Bank of Ming Dynasty is exchange.
The exchange here is divided into scattered exchange and cross-regional exchange! "
Everyone was stunned again, and someone couldn't wait to shout loudly: "Bi Shangshu, is there any difference between the two?"
"That's a good question!"
Bi Ziyan chuckled lightly and explained: "The so-called scattered exchange is just like an ordinary bank, exchanging copper coins into silver, exchanging broken silver into silver ingots, etc.
This item is free, but ordinary banks charge a fee! "
"The so-called cross-regional exchange is similar to ordinary banks, but there are differences. Can anyone tell me how ordinary banks exchange?"
"Master Bi, we are familiar with this!"
A businessman stood up: "For example, when we are in Suzhou, we deposit our money in banks in Suzhou.
If you want to go to Nanjing to collect money, the bank account must send the stub to Nanjing before the agreed date, and you can only collect it after verifying that it is correct. "
"very good!"
Bi Ziyan first praised him, and then said: "I will ask you a few questions. Just answer them truthfully!"
"Excuse me, Lord Bi!"
"First question, I live in Suzhou, can I withdraw money from the capitals of Ming Dynasty?"
The person who spoke was stunned. He didn't expect the first question to be so tricky, but he still responded: "No!"
"What's the reason?"
"Most of the bank accounts are only in the Chief Secretary, and they are distributed in three or four Chief Secretaries at most. They are not spread throughout the entire Ming Dynasty!"
"You can't access it anywhere, so what do you do with it?"
"This this……"
The person who spoke out opened his mouth and thought for a moment: "Shang Shu, our business is basically done by the Chief Secretary, and we don't have such services that require the entire Ming Dynasty to be available at any time. As far as I know, there is no such bank in the entire Ming Dynasty! "
"Yeah?"
Bi Ziyan asked softly, and then continued: "Second question, assuming I want to withdraw one hundred thousand taels of silver, how long will it take to get from Suzhou to Beijing?"
"Sir, it will take at least two months, and at most three months. If there is heavy rain, etc., it will be delayed!"
"The third question is, how did you choose which bank account?"
"The credibility, scale, financial strength of the bank and the shopkeeper, and whether they are punctual!"
“This generation of shopkeepers has a good reputation, but will the next generation of shopkeepers also have a good reputation?”
"This this……"
"The fourth question is, if the bank goes bankrupt, can you still withdraw your money? What will happen in the end?"
"No, this kind of thing has happened before, but you can only admit that you are unlucky!"
…
For a full quarter of an hour, Bi Ziyan asked more than ten questions, and each question extended to several smaller questions. The businessman who asked the question was sweating profusely.
A trace of worry flashed in the eyes of the merchants who were listening nearby. After carefully thinking about Bi Ziyan's question and the merchant's answer, they felt more and more that the existence of the bank account was unreliable.
I was also secretly planning to take out the money when I got home or put it in my home insurance.
“But Daming Royal Bank can solve all these problems!”
"We can guarantee that within one year, you can get money from the state capitals within the Ming Dynasty, and within three years, you can get money from all the counties in the Ming Dynasty!"
"We can guarantee that as long as you have the bills and as long as the Ming Dynasty is still there, the money you have saved can be withdrawn!"
"We can guarantee..."
…
Seven or eight guarantees in a row made all the merchants stand up involuntarily.
His eyes were full of excitement.
Looking at this scene, Bi Ziyan smiled. This was the effect he wanted, but it was still short of fire.
So he continued loudly: "The most important point is that as long as you bring the receipt, you can withdraw the money immediately without waiting for the branch to send the stub.
It is even said that you can withdraw money without going there in person. "
Everyone was stunned for a moment, with surprise and then confusion in their eyes.
The person who had just spoken out couldn't wait to say: "Bi Shangshu, what do you mean by your last point?
For example, according to the past, if I want to withdraw the money I deposited in Suzhou in Beijing, I have to send the stub to Beijing from a bank in Suzhou, and then I can withdraw it.
Now I have something to go to Xi'an, Shaanxi Province. If I want to pick it up in Xi'an, I have to notify the bank in Beijing. The bank in Beijing will notify Suzhou, and Suzhou will send it to Xi'an. Only by turning back once can I pick it up.
As for the Royal Bank of Ming Dynasty, you can withdraw it at any time and anywhere as long as you carry the receipt. You don’t need to wait for the deposit bank account to send you a stub. Is this what ordinary people understand? "
The businessman who spoke out asked the question in one breath, took a few quick breaths, and continued: "And what you said does not require personal presence. Is it true that the money I saved can be withdrawn by just sending a caravan man?"
"Yes, that's it. What's wrong? Is there a problem?"
This rhetorical question immediately confused everyone. They were truly confused.
Looking at Bi Ziyan, his eyes were full of doubts.
What's wrong?
Is there a problem?
The problem is big!
Why send a stub? Isn't it because you are afraid of forgery?
Even if each bank has a strict exchange process, there are endless frauds and it happens from time to time.
You'd better just don't leave the stub. Aren't you afraid of being impersonated?
You are not afraid of being falsely claimed. We are afraid. If the bill is lost and someone else picks it up, won’t the money be taken away?
In this case, Daming Royal Bank will not compensate!
As a minister, you don't know about such a big loophole? Do you still have any questions for us?
At this moment, everyone had great doubts about the professional ability of the Minister of Revenue.
