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Chapter 360, a new way to show off wealth

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    Hearing Zhang Jingchu¡¯s words, Huang Zhiwen also picked up a silver dollar, blew it gently, put it to his ear, and immediately heard a very clear sound.

    "Mr. Huang, I wonder if you are interested in depositing money in our bank. The interest rate on deposits in our bank is quite good. The one-year interest is more than 3%. If you deposit money regularly for three years, the interest will be more than 4% per year.  ¡±

    Zhang Jingchu did not forget her mission, and also promoted the bank's deposit business to Huang Zhibin.

    "Interest of more than three cents?"

    When Zhang Jingchu heard this, she smiled and said: "I am just a small business owner. I don't have any money to deposit. I also want to ask you for a loan. Can you tell us about this loan?"

    "Of course~"

    Zhang Jingchu smiled and nodded, and said directly: "Loans in our Daming First Bank require collateral. Generally speaking, we only accept two types of collateral: land deeds and house deeds. In terms of interest, a loan with us usually only costs as long as a year.  One penny of interest.¡±

    ¡°Only one penny of interest per year?¡±

    "Is this true?"

    When Huang Zhiwen heard this, he raised his eyebrows. The interest rate was very, very low. In this era of paying close attention to nine outings and thirteen returns, any loan was basically usury, and it was impossible to borrow too much money.

    The First Bank of the Ming Dynasty actually only charges one penny of interest, and as long as there is enough collateral, it doesn't matter how much money you borrow. This is great news for businessmen like them.

    "Of course it's true. You must know some of the strength of our Ming First Bank. We are not afraid of people lending money, nor are we afraid of people not paying back the money. We are afraid that no one will lend money. We open the door to do business. What we are talking about is credibility.  Character."

    "I wonder if Mr. Huang wants a loan?"

    Zhang Jingchu said confidently with a smile on her face.

    The main owners of the First Bank of the Ming Dynasty are Emperor Hongzhi and His Royal Highness the Crown Prince. Whoever dares not to repay the money they owe them is not seeking death?

    ¡°It¡¯s not necessary for now. If you need it later, I will definitely come to you.¡±

    Huang Zhiwen smiled and shook his head. Seeing his accountant putting away the silver coins, he quickly said goodbye and left.

    "The First Bank of Ming Dynasty~"

    "Banknote~"

    "Silver dollar~"

    After leaving the door of Daming First Bank, Huang Zhiwen couldn't help but look back at this luxuriously decorated building. Everything was full of freshness.

    ¡­¡­

    With the official opening of the First Bank of Ming Dynasty in Beijing and Tianjin, many industries under Liu Jin¡¯s command have been linked to the First Bank of Ming Dynasty, which soon led the business community in the Beijing and Tianjin areas to start contacting the bank.

    At the beginning of the period, everyone was still somewhat skeptical. As long as they had banknotes in their hands, they would basically go to Daming First Bank to exchange them for silver dollars as soon as possible.

    But soon, everyone gradually discovered that this banknote was easier to use, because the banknote was simple, convenient, and easy to carry. Everyone soon fell in love with this new banknote.

    Because no matter who it is, as long as they go to Daming First Bank with a banknote, they can exchange it for a sufficient amount of silver dollars, so they gradually build up their credibility.

    Slowly, people will no longer be in a hurry to exchange the banknotes in their hands for silver dollars, but will choose to take them out and use them.

    In the beginning, the use of banknotes was limited to people in the business community, because people in the business community were the first to come into contact with these banknotes and silver dollars, and they were also the first to accept them.

    People in the business world have a large amount of funds exchanged every day. In the past, it was very troublesome to settle with silver. Now it is very convenient to settle with banknotes. Even if they do not use banknotes, everyone is now gradually getting used to using silver dollars to settle.  Convenient, fast, and saves a lot of trouble.

    Naturally, people in the business community were the first to accept this new type of banknotes and silver dollars. Businessmen in the two places were resistant to it at the beginning but quickly gradually adapted to it, and even slowly developed to the point where they only recognized banknotes and silver dollars.  .

    Many times, if you use ordinary silver to settle the bill with another bank's banknote, they will not recognize it and gradually don't like it.

    Because this will increase your costs and risks.

    For ordinary silver, you need to find out the quality and weigh it, which is extremely troublesome. As for the banknotes, people used to prefer to use them, but the banknotes here in the capital can only be used here in the capital. When you arrive in Tianjin  There is nothing to doZhu Houzhao didn't even have the interest to look at the tickets, and directly ordered Liu Jin behind him.

    "Old Liu, these 100 taels of banknotes are still too low. It's best to get 1,000 taels of banknotes. When the time comes, you can go out with a stack of 1,000 taels of banknotes, which will definitely save your face."

    After paying the money, Zhu Houzhao rolled his eyes, thought for a while and said to Liu Jin that he now enjoys the feeling of being rich. Wherever he goes, he just uses money to clear the way. It is very easy to use and everyone's eyes are shining.  Looking at the stack of hundred-yuan banknotes in his arms, I wished I could just rob Zhu Houzhao.

    "Your Highness, the value of silver is extremely great. The value of a hundred-yuan banknote is already very great. There is no need to issue a banknote with a face value of one thousand taels. If you issue more, it will not be convenient for market circulation. You can take one thousand taels."  If you take out the banknotes, few people will be able to give you change.¡±

    Liu Jin couldn¡¯t laugh or cry about Zhu Houzhao¡¯s behavior of showing off his wealth, and after thinking about it, he said.  (Remember the website address: www.hlnovel.com
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