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Chapter 395, The Dilemma of the First Bank of Ming Dynasty

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    The capital, Liu Jin¡¯s residence.

    "Sir, the First Bank of the Ming Dynasty has opened branches in all the capitals of the thirteen provinces of the Ming Dynasty and some important cities. However, at present, our deposit business has been progressing slowly. There are very few deposits and loans in the branches everywhere.  Quite a lot.¡±

    In Liu Jin¡¯s study, He Run, the general manager of Daming First Bank, was reporting to Liu Jin the progress of Daming First Bank during this period.

    "Inform all localities to control the loan amount. If we don't have deposits, we will borrow too much and our funds will not be able to keep up. Once we cannot keep up, our credibility will be damaged. In serious cases, it is very likely to cause  Run.¡±

    Liu Jin listened carefully. During this period, apart from going to the Hanlin Academy to make tea every day, Liu Jin spent the rest of his time busy with matters related to the First Bank of the Ming Dynasty and Ryukyu City.

    As the most critical step in Liu Jin¡¯s layout, the First Bank of Ming Dynasty naturally attaches great importance to it.

    The most important thing at this stage is to continue to open branches in various parts of the Ming Dynasty and spread out the points first, so as to facilitate the use and circulation throughout the country.

    If you bring some bank notes to Nanjing from the capital, you can also withdraw money from the Nanjing branch. Since they are common across the country, it will greatly facilitate the promotion and use of bank notes.

    Silver dollars are actually very inconvenient to carry, especially when the amount is large, but banknotes are different. It is very easy to carry a few thousand taels or ten thousand taels of banknotes.

    And banknotes are extremely convenient to use for transactions. You only need to calculate the face amount, and there is no need to worry about the quality, weight, etc.

    Nowadays, in the Beijing-Tianjin area, banknotes have gradually become more popular. When going out to do business, everyone likes to use the banknotes of Daming First Bank.

    Of course, silver coins are also very popular. They are of sufficient quality, weight, and exquisite casting. Both ordinary people and businessmen like to use silver coins.

    The Beijing-Tianjin area is the core of the Ming Dynasty. With the Beijing-Tianjin area as the core, it radiates to the entire Ming Dynasty. The First Bank of the Ming Dynasty also quickly opened throughout the two capitals and thirteen provinces of the Ming Dynasty.

    It has been opened all over, but the development of various businesses has encountered difficulties, especially the deposit business, which has never been developed. Even in the Beijing-Tianjin area, there is very little deposit business, let alone other places.  This is also Liu Jin's biggest headache now.

    There is no deposit, which means that the funds in the hands of Ming Dynasty First Galaxy are always limited. Just relying on these funds in hand, no matter how big your plate is, you can't withstand people from the Ming Empire coming over for loans. This is why Liu Jin wants to  He Run here informed various localities of the reasons for controlling housing loan limits.

    Having only one exit but no entrance is extremely detrimental to the First Bank of Ming Dynasty.

    ¡°We must start up the deposit business!¡±

    Liu Jin realized this very clearly, thought for a while and said to He Run: "What do you think is the reason why our deposit business cannot be done?"

    Hearing Liu Jin's words, He Run was slightly startled, thought for a moment and said, "I think the most important thing is that people are not very familiar with our deposit business and don't believe us. They always think that the money is deposited in our bank.  We¡¯ll eat their money.¡±

    "Then how should we solve this problem?"

    Liu Jin nodded. This era is different from that of later generations. People in later generations like to save money the most, because everyone knows the many benefits of saving money. It earns interest, will not be stolen, and can also be transferred and traded, which is very fast.  ,convenient.

    But this era is the same. Of course, the current customers of Daming First Bank are all wealthy people, and ordinary people have no money to save at all.

    ¡°Everyone still lacks recognition of Daming First Bank, and they don¡¯t have the habit of saving money. Everyone prefers to hold the money in their own hands, always feeling that it is safer this way.

    After listening to He Run's words, Liu Jin thought carefully in his mind. The key is to publicize and change everyone's ideas. If the publicity is not in place, how can the landlords and wealthy people scattered in various countryside of Ming Dynasty know that the First Bank of Ming Dynasty has deposit business?  .

    ???????????????????????????????????????? Even if people know about the deposit business, they will not save their money. They would rather leave it in the cellar to mold rather than covet your little interest.

    "How to solve this problem?"

    Liu Jin thought carefully.

    This matter is really too important. If no one deposits money, the First Bank of Ming Dynasty will fail.In front of the public, there was Li Zhen and two personal maids beside him.

    "Ms. sir, there is someone else here~"

    Xu Waner reminded in a low voice.

    "What are you afraid of? It's not like they haven't seen it before."

    Liu Jin doesn¡¯t care about this. Li Zhen and Xu Waner often serve him at one time. As for their maids, they also serve their masters every day. They have seen everything they need to see.

    ¡°Msang Gong~¡±

    Xu Waner's face turned even redder, and she looked like she wanted to refuse but still welcome her. This immediately made Liu Jin become even more fierce. He picked up Xu Waner and led Li Zhen towards the bedroom.

    When Li Zhen and Xu Waner saw this, their faces immediately turned red. They immediately thought of something and wanted to resist, but they immediately felt even more embarrassed and blushed terribly.

    "We are already an old married couple, why are you so shy~"

    Liu Jin was naturally shameless and was not ashamed at all while kissing her. As for the two maids, they were already covering their eyes and watching the scene quietly through the gap.  (Remember the website address: www.hlnovel.com
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