The eldest grandson of Emperor Ming Dynasty!

The turmoil in the bank had a great impact on the capital.

Zhu Ying and Zhu Yuanzhang are also very concerned about the news in this regard.

There is no such thing as online observation these days. If you want to keep track of the latest developments, it is natural to ask people to inquire.

As Zhu Yuanzhang's eyes and ears, Jin Yiwei naturally did this job.

Just in the morning, Jiang Yu had already run back and forth more than ten times.

Naturally, he didn't need to go out of the palace, but he also had to go outside the Qianqing Palace to receive the information from his subordinates, and then summarize and tell His Majesty and Grandson.

After listening to Jiang Yu's latest report, Zhu Yuanzhang smiled and said to Zhu Ying: "It seems that it is right not to make a direct decision. Judging from this situation, at least many people have already withdrawn money from other banks."

"This is a good thing. We don't want the common people to suffer too much."

"It is estimated that in the morning tomorrow, many ministers will not be able to stand up and talk about this matter."

This small disturbance is very turbulent to the common people, but in Zhu Yuanzhang's eyes, it is naturally nothing.

However, judging from the current situation, if it is directly decided, there will inevitably be a major accident, so it is good to reveal some news first.

Zhu Ying also said with a smile: "It is estimated that many people will request to curb such rumors, and even clarify them in the residence newspaper."

Zhu Yuanzhang raised his brows: "These wine bags and rice bags still want to intervene in our mansion newspaper, do you really think we are too old to carry a knife?"

"We have asked you to inquire about it. The officials' salaries are all issued by our royal bank. Every time these dog officials pay their salaries, they take out the precious money from the royal bank and deposit them in other banks. .”

"Damn it, you've been talking about serving the country and the people all day long, and now you don't want to talk about it because of the extra profit. I really think we don't know anything."

"Although private banks cannot be banned immediately, we think we can issue an edict first, ordering officials all over the world that all money must be deposited in our royal bank. Grandson, what do you think?"

Zhu Ying thought for a while, then shook her head and said, "This is a little alarming, but it doesn't really make much sense. Even if they don't take money from the bank in the capital, they can take it from other places."

Zhu Yuanzhang also knew this situation.

In the face of interests, these dog officials are particularly smart, much better than doing their own jobs.

Isn't it good to put your mind on serving the country and the people, staring at the little profit in front of you every day.

But having said that, Zhu Yuanzhang didn't have much feeling for Qianzhuang before.

Since the establishment of the Royal Bank, I haven't paid too much attention to it.

In his mind, the money bank is just a place to save money, making it more convenient for people or merchants to buy and sell transactions, without having to run around with a stack of precious money, which is not safe.

It's just that in the past few days, because the grandson proposed to ban the private bank, Zhu Yuanzhang put a little more thought into it and asked Jiang Yu to call a treasurer of the royal bank in the capital into the palace to inquire about the operation of the bank. Condition.

After listening, Zhu Yuanzhang's eyes were about to glow green.

His grandma's, is this how the bank makes money in the first place?

For fixed deposits, the bank will give interest. Of course, it will not say a lot, but money is also money.

Generally speaking, fixed deposits start at three years. For example, if you have [-] banknotes, you can get an extra [-] banknotes after three years.

Equivalent to an annual interest of three cents.

The interest rate is actually very low, such as private banks, four cents, five cents, or even eighty-nine cents, which are generally higher than royal banks.

When he heard this, Zhu Yuanzhang was still a little worried.

If everyone else deposits fixed money in the bank, wouldn't they have to pay a lot of interest every year.

Not to mention other places, the bank in charge of the treasurer called into the palace alone has tens of millions of fixed deposits. Doesn't that mean that the bank will give hundreds of thousands of interest every year?
As for the Royal Bank, there are hundreds of them. Even if you don’t ask about it specifically, you can get a general idea of ​​it.

Even if it is said that other banks will not have so many certificates of deposit in Jingshi, but adding them up, it is definitely not a small amount, and the interest of several million a year must be given out.

Zhu Yuanzhang felt that everyone was not well.

If Dasun does this, the bank will lose money.

The shopkeeper is also smart and able to read words and demeanor.

When it comes to interest, it is obvious that His Majesty's coercion seems to be a little bigger.

So he quickly explained the profit items of the bank.

The first is the handling fee.

There is no fee for depositing money, but there is a fee for withdrawing money.

However, if deposits and withdrawals are made at the same bank, the handling fee can be waived.

Routine withdrawal of money across banks, in the same city, is based on a thousand banknotes.

If it is across the city, within the range of the same prefecture, it is two thousand coins.

And if you withdraw banknotes in different provinces, you need a hundred and one banknotes.

Now it is not convenient to withdraw money across provinces. If a businessman wants to withdraw money across provinces, he must first go to the bank where he has saved money to open a voucher.

There are two types of certificates.

One is a fixed amount.

That is, how many treasures this note represents, which can be taken out at the designated bank.

Another is the total amount of deposits.

With this note, you can go to the designated bank to withdraw all the deposits.

It sounds a little troublesome, but the advantage is that even if the voucher is more secure, even if it is lost, it can be reissued.

If you encounter any robbery or the like on the road, just tear off the voucher.

Currently, voucher slips only support fixed-point dumping.

For example, a businessman is in a royal bank in the capital and wants to transfer money to the Guangdong government.

Then on the voucher issued, it will be indicated in advance that the withdrawal is made to a certain mansion, a certain workshop, and which bank.

If you lose your voucher, you can take your household registration information to the bank over there to reissue it.

But this needs to pay a fee, and you need to issue a statement of the situation here, and then go to the bank where you saved the money before and send a voucher.

Although it takes a few days to wait, the money will not be lost, and it is better to be safe.

This is also where Qianzhuang makes money.

The second is the loan interest rate.

Fixed deposits cost three cents a year, while loans cost two cents a month.

If there is a high-quality guarantee mortgage, the loan of the Royal Bank is only one cent a month.

Such a situation is a huge blow to those gang members who pay high profits.

Because borrowing is basically as high as you can put it in the absence of legal regulations.

Nine times out of thirteen returns such interest is almost a normal phenomenon.

From the side, it can be regarded as rectifying the environment of Daming.

Especially private businessmen who are now running factories, with policy support, it is easier to borrow low-interest banknotes.

This allowed the current Daming to develop extremely rapidly in terms of industrial development.

"That is to say, our bank has actually been making money and not losing money?" Zhu Yuanzhang asked the manager of the bank after listening.

The treasurer of the bank immediately replied: "It's natural. Of course, the bank can't lose money, especially after the mortgage proposed by His Royal Highness, the Royal bank will make more money."

Zhu Yuanzhang obviously didn't know the specific operations here, so he asked, "Mortgage loan? What is that?"

The shopkeeper had no choice but to explain in detail.

Whether in the capital or other prefectures, housing is a major topic.

With the economic development of the Ming Dynasty led by the capital, the population of the prefectural capitals of the provinces is also rapidly increasing.

And buying a house is obviously very stressful no matter what era it is in.

So now there is a mortgage.

You only need to pay [-]% of the house first, and then mortgage the deed to the Royal Bank. The remaining money can be paid to the bank in installments over several years or even ten years.

Of course, there will be some handling fees included.

In fact, other banks have similar projects for mortgage loans with house deeds and land deeds.

The difference is that people need to buy the house first, and then they can mortgage it after obtaining the deed and title deed.

Here at the Royal Bank, when buying a house, it is directly mortgaged.

In addition, such a time span of several years or more than ten years is something that other banks dare not do at all, and even if the interest rate is not nine out of ten, it is very high. How can there be such a conscience as the Royal Bank.

This mortgage business can be said to be handled by the Royal Bank, which is also the main business of the Royal Bank.

Knowing the specific situation of the bank, Zhu Yuanzhang became more aware of the impact of the prohibition of private operations.

There are too many people involved in a bank.

If only a few or a dozen companies have problems, this is of course nothing to the overall economy of Daming.

But if the prohibition notice is issued directly, it will all become a mess.

Zhu Yuanzhang didn't know, so he started.

"Dasun, if it really happens, how will we deal with it in the end? We can't ignore the lives of the people." Zhu Yuanzhang asked with some concern.

This feels trickier than dealing with corrupt officials.

In the Guo Heng case, more than 2000 million and 400 million were stolen. This is already a shocking case.

At the beginning, Zhu Yuanzhang used the Guo Heng case to chase stolen food, which turned into a national commotion, and all the wealthy folks went bankrupt because of this, and the total amount was only so much.

Even if there is no careful calculation of the current affairs of the bank, it is estimated that the number of treasures is at least one billion.

One billion.

What a shock this can cause.

In fact, Zhu Yuanzhang underestimated the wealth of the people.

One billion is not enough, it is estimated that they are at least several billion.

You must know that in folk banks, there are not only precious banknotes, but also a large amount of gold, silver, and even antique calligraphy and paintings and a series of valuable things.

On the other hand, Zhu Ying obviously has already thought of a countermeasure.

"Don't worry too much. Letting it go is definitely not enough. If you really want to take action, these banks will naturally be merged into the Royal Bank."

"For the common people, the conflict is not so big, it is just that the bank has changed to another owner, and then the interest rate can be adjusted to be the same as that of the royal bank."

"It is estimated that there will be some underground money houses in the future, which will illegally give usury and hoard money. It will be much easier to do these by then."

"Although the common people will complain, those businessmen who have borrowed from the bank with high profits are grateful to us. After all, the interest they need to pay will also be reduced."

The seemingly deadlock situation is not a big deal for Zhu Ying.

From this aspect, the only ones affected by the fluctuations are the families behind the private banks, which are far from reaching the situation of wrath and resentment.

Whether it is the current turmoil in the capital, or the turmoil in various countries in the future, many people feel that their money will disappear directly, so they become more and more nervous.

And since Zhu Ying wanted to touch the cake of the bank, of course, she had already prepared a strategy to cover the bottom line.

After Zhu Yuanzhang heard this, his eyes lit up immediately.

"A good way, really a good way, why didn't we think of going to this area."

Not only did Zhu Yuanzhang not expect it, even the owners behind the various banks did not expect this method of breaking the situation.

The simple way is actually the condensed essence of later generations.

After all, few people can figure out the commercial economy and the germination of capital.

This is the gap of the times, and has nothing to do with the level of intelligence.

Originally, no matter whether a merchant was in Ming Dynasty or the previous dynasties, their status was the same.

Scholars and smart people with family fortunes do not read books for business, but books for fame.

No matter how high the IQ is, it still needs to be learned, and there is no one who knows it from birth.

In terms of finance, [-]% of the educated people in future generations have not figured out what is going on, let alone today.

Zhu Yuanzhang, who knew how to deal with it, was relieved.

The past few days seem to be a little careless, but Zhu Yuanzhang is still somewhat worried. Even Xiao Wencheng is distracted from time to time, for fear of causing major turmoil and ruining the current good situation.

Sure enough, no matter what time it is, you can always trust Dasun.

The outskirts of the capital.

It sounds a bit desolate.

In fact, due to the continuous increase in the population of the capital, it is said that the outer suburbs have actually become a lively market.

Somewhere in the compound.

Already nearly [-] bank managers gathered here.

Naturally, there are not only twenty or so banks in the capital, but these 20 or so banks are the largest, and the smaller ones behind are not eligible to participate in today's bank meeting.

The reason why they gathered here was of course because of the turmoil in the capital in recent days.

No smile could be seen on any of their faces, and most of their brows were furrowed and clouded with gloom.

The pressure is too great.

Not every bank has such solid capital reserves as the Universal Bank, and everyone is well aware of how important reputation is to a bank.

Only when there is really no way, or if there is not enough money in the bank, will the bank be closed first.

Closing the door is not an escape, but just telling depositors that there is not enough money, and they are rushing to mobilize money from other places.

Of course, their method of mobilizing precious banknotes is basically to go to the royal bank.

This also increased the business of the Royal Bank a lot.

Cross-regional deposits and withdrawals are charged proportionally. If it is 1000 million, the Royal Bank can earn [-], which is no different from Baijian.

All you need is the cost of a trip to the post station.

As an official operation, the cost of the post station is almost negligible on such a scale.

In the past few days, the bank on the capital's side has seen hundreds of millions of transactions, which has brought hundreds of thousands of profits to the royal bank.

Naturally, like some big banks, they can also run their own business, and the guards will bring the treasures directly to save the cost.

Today, the meeting of these big treasurers of the bank is to unite as one, to collectively resist the official regulations that the imperial court may find a way to do.