"Your Majesty, things have stabilized now. On the first day, there were 120 people handling business and a deposit of 5.36 million taels;
On the second day, 150 people handled business and deposited 4.94 million taels;
…
In seven days, a total of 1,006 people made deposits, depositing a total of 23,090,000 taels of silver. Among them, all caravans coming to Beijing made deposits, accounting for 80% of the deposits.
Because these are large deposits of silver, the annual storage fee is one hundred and eighty-four thousand, seven hundred and twenty taels, based on the custody fee of 8/1000.
According to calculations, the Royal Bank of Ming Dynasty can have an income of at least two million taels of silver a year. "
"How did the people react?"
"We are all waiting and watching, and we basically focus on three points. First, the threshold for deposits is too high, and it is best to put it in 10 liang;
Secondly, there are too few banks and waiting consumes a lot of time;
The third point is the issue of circulation, and people suggest that it be liberalized. "
Listening to the information collected by Bi Ziyan, Chongzhen stomped slowly with his hands behind his back and whispered: "What do you think?"
"Your Majesty, I believe that bills of exchange are intended to solve the problem of large-amount cash transportation, and are not intended for circulation. Therefore, the deposit threshold and circulation do not need to be considered.
Secondly, the Royal Bank of the Ming Dynasty and money orders are related to the full promotion of commercial affairs in the future. The more stable the better at this time. Without professional training for personnel, as long as one mistake is made, all previous efforts will be in vain.
Therefore, branch matters also need to be dealt with slowly. "
"Well, as long as you understand, everything is focused on stability, pay attention to collecting the news of the people, and make timely optimization and adjustments.
Secondly, the Royal Bank of Ming Dynasty also needs to establish a supervision department that travels to various states all year round to monitor bank dynamics.
Detailed errors will be ignored, but as long as any violation of the rules is found, they will be dealt with as a major case and will never be tolerated. You know what it means when something goes wrong!
Third, you all need to keep up with storage and security issues. In the early stage, the strength of each government security office will be the main force, and in the later stage, the bank's own guards will be the main force, and they can operate independently! "
"I understand!"
After Bi Ziyan finished his response, Chongzhen pondered for a few seconds before continuing: "Actually, I have also considered the people's suggestion to lower the denomination of the money order.
Can we use several rare metals to mint new currencies with denominations of one coin, two coins, five coins, one tael, two taels, five taels, ten taels, twenty taels, and fifty taels.
These denominations can form any denomination, such as fifty taels and twenty taels, which is..."
Chongzhen said, looked around, then walked to the desk and drew with a pen: "For fifty taels, we will use gold, for twenty taels, we will use four gold and six tin... plus different craftsmanship, etc. to replace the current silver ingots." , do you think it’s feasible?”
"Your Majesty means to completely solidify all denominations?"
Bi Ziyan frowned slightly: "The value of currency is not due to its material of gold, silver and copper, but its circulation and purchase value, as well as the constraints of imperial decrees.
This is just like the Ming Dynasty treasure banknotes. As long as it can be circulated, purchased, and exchanged, it is worth that value. "
"That's what I mean. Nowadays, many people among the people secretly grind copper coins, cut scraps, etc., as well as various finenesses, broken silver, etc. It is not only troublesome to use, but also gives some people opportunities to take advantage of. I want to give these to Unified.
When you go back, talk to the craftsmen of Baoquan Bureau and Baoyuan Bureau about this matter and see if you can come up with something different that cannot be imitated by the public! "
"I obey your Majesty's will!"
After explaining some precautions, Bi Ziyan slowly exited Dongnuan Pavilion.
Chongzhen sat back on the throne and looked at the summary of accounts of Daming Bank presented by Bi Ziyan.
When he saw the final estimated annual income, he suddenly laughed and said, "It's still too conservative!"
Bi Ziyan only considered deposits here, but did not consider mobility. The time it takes for merchants to go back and forth once can mean at least four to six movements a year.
When new transport vehicles come out, it can reach at least twelve times that year.
Even if the discount is half, Daming Bank can earn at least ten million taels of silver a year.
In the future, you can start various businesses, which will all be free money.
Want to know what will be the most profitable in future generations? It must be banks, especially state-owned banks, which are real money-attracting beasts.
10% of the world's top 500 companies are banks, especially Huaxia Bank, which accounts for 20% of the banks.
"Although it is not possible to achieve as many businesses as later generations, you can try to open commercial banks, shops, restaurants, etc. in investment and financial management business, as well as asset management... you can try it."
Chongzhen wrote slowly, recalling the few memories of later generations of banks in his mind.
"No matter what happens, at this stage, we must focus on development. If we take too big a step, we will lose our money. We must not repeat the path of later generations of banks."
After a while, Chongzhen put the pen aside, muttered to himself, then folded the paper and put it aside.
Just after putting it away, Wang Chengen entered the Dongnuan Pavilion: "Your Majesty, Hong Chengchou, the Governor of the Three Borders, and Du Yinxi, the deputy envoy of the Xuanfu Department of Shaanxi, are asking for an audience outside the Qianqing Gate!"
"Finally back, Chuan!"
When Chongzhen heard that it was Hong Chengchou, his spirit was suddenly shaken.
A moment later, Hong Chengchou and Du Yinxi, who looked very tired, entered the Dongnuan Pavilion and saluted the emperor immediately.
"Hong Chengchou, the former governor of the three sides, is here to see your majesty!"
"The deputy envoy of the Xuanfu Envoy of Shaanxi Province, Du Yinxi, is here to see Your Majesty!"
"You two dear ladies are free of charge!"
Chongzhen raised his right hand, and the two stood up. He looked at the two of them carefully. Hong Chengchou became calmer, his breath restrained, Yuanding Yue Zhi.
Du Yinxi, on the other hand, is much more mature and stable, but his eyes are shining brightly.
"Two beloved queens, they have changed a lot after being separated for two years! Hong Aiqing has the bearing of a border official. Du Aiqing has also become much calmer. It seems that you have benefited a lot from serving as an official for more than two years!"
"Thank you for your Majesty's teachings!"
"How do you feel about blocking Aiqing?"
"I will keep in mind His Majesty's teachings, read more, listen more, and do more. After serving as an official for two years, I understand the difficulties faced by the people, what they want, and how difficult it is for officials to uphold their true intentions."
"To be able to express such emotion is worthy of your two years of experience."
Chongzhen nodded happily and continued to ask: "Do you know why I called you back?"
"I dare not hide it. On the way back, I had some discussions with Zhong Yan!"
Hong Chengchou bowed and responded: "Now that the Jiannu have been destroyed, Eastern Mongolia has surrendered, and Korea has been included in the daimyo territory, only Fusang is left with the Jiannu tripartite coalition.
Recently, Fusang has been causing trouble in Linshan and Honghu, Yao County. I would like to ask your Majesty to summon me back, perhaps for Fusang's war. "
Chongzhen did not respond directly, but continued: "What do you think of Fusang?"
