Take the warehouse back to the end of the Ming Dynasty

Chapter 217 Bank Opening

After the bank was completely renovated, Zhao Wen personally cut the ribbon and hung the plaque for it.

This bank was named Daming Bank by Zhao Wen.

The first floor of the bank is for lending and the second floor is for deposits.As for the third floor, it is a place to temporarily store money, and the fourth and fifth floors are used to store account books and documents.

After the overall decoration of the bank was completed, Zhao Wen handed it over to Zhang Helang.

On the other hand, Zhang Helang led the accountant and servants who had already been recruited to take over the bank directly.

On the opening day, the literate people in the city looked at the huge plaque hanging on the building and became suspicious for a while.

"Daming Bank? What does this bank mean? Could it be related to silver?"

Driven by curiosity, they walked directly into the bank.

Zhang Helang led the accountant and explained to them what a bank was with a smile on his face.

"Oh, I thought what this bank was. It turned out to be a ticket number, but why did such a weird name be given to such a good ticket number?" A businessman in a T-shirt looked at Zhang Helang, asked slowly.

This businessman came to Xuanzhen from the land of Sanqin to do business. He should have left long ago, but when he saw the incomparably tall building in Xuanzhen, out of curiosity, he stayed again.

Zhang Helang looked at the middle-aged businessman sitting on the long row of chairs set up in the hall, and said with a smile: "Our bank is different from the check number. The check number charges management fees for depositing silver. Not only do we not charge management fees fees, and we also pay interest to depositors.”

"What? There is such a good thing? Are you lying to us?" The middle-aged businessman stood up directly and looked at Zhang Helang in shock.

"It's a matter of course for this bank to charge silver management fees. Not only do you not charge management fees, but you also give us silver? How is this possible?"

The voice of the middle-aged businessman attracted the attention of many people.

The purpose of these people is the same as that of the middle-aged businessman, just to find out what this bank is.

"Not only will we not charge management fees, but we will also pay interest. This is clearly written in black and white. If you don't believe me, look at the sign on the wall." Zhang Helang pointed to the wooden sign on the wall next to him, loudly the way.

The businessman looked in the direction of Zhang Helang's finger, carefully studying the words on the wooden sign.

Not only middle-aged businessmen, those who walked into the bank lobby, as long as they could read, almost all looked towards the wall.

After a while, the crowd erupted into an extremely loud gasping sound.

"Hiss, if you do this, how can you make money? Aren't you doing a loss-making business?"

The middle-aged businessman pointed at the wooden sign and looked at Zhang Helang in disbelief.

Since the day there was a ticket number, this ticket number has charged silver management fees, and this is also a matter of course.But why is the bank that suddenly came out now not only not charging management fees, but also paying interest?

If that's the case, then if I just deposit the money in it and just eat the interest, wouldn't that make me some money?
If the bank does this, then they are not afraid of losing everything?

Zhang Helang looked at the shocked middle-aged businessman, and said with a smile: "Of course we can't do business at a loss, and we will also lend. The money we earn is the interest charged when lending."

"Then your interest is not very expensive?"

A young man in a black robe and a hat looked at Zhang Helang and asked cautiously.

As soon as the man finished speaking, everyone's eyes fell on Zhang Helang.

This deposit of silver not only does not require management fees, but also returns interest.Then the interest on the money released should not be small. It is estimated that at least it should be higher than the interest charged by Shanxi merchants when they lent money. Otherwise, what else would they earn?
Zhang Helang looked at the tense faces of the crowd, smiled, and then said, "The interest we pay to depositors is one tael and two percent interest. The interest we charge when lending is one tael and seven percent interest."

"What? Why is your interest rate so low? Are you kidding me? Such a low interest rate is unheard of, unheard of. From ancient times to the present, I have never seen such a cheap interest rate. "

The middle-aged businessman pointed at Zhang Helang with a look of horror, and said in a high-pitched voice.

The people around are also stunned and dumbfounded.

The interest charged when lending money is only [-]% of silver, isn't that too cheap?With such a low interest rate in this bank, aren't they afraid that all their money will be borrowed out?
Such a low interest rate is even lower than the provisions of the "Law of the Ming Dynasty".

"Law of the Ming Dynasty" stipulates, "Where private lending of money and debts and pawning property, the monthly interest shall not exceed three cents. Although there are many years and months, it is only one interest per book. Violators can be whipped forty, and the remaining profits will be used to calculate the stolen goods. Those who take the stolen goods will be punished with a hundred sticks."

This means that the monthly interest charged for lending cannot exceed three cents of silver.The latter means that no matter how long the money is lent out, the interest cannot exceed the principal.

Although the "Law of the Ming Dynasty" stipulates this, but not many people abide by it.

As far as Jinshang Bank is concerned, the interest they charge when lending money is basically around five cents.Over the years, no one knows how many people have been forced to death by Shanxi Merchants bank because of loan sharks.

Now when these people hear that the bank lends so little interest, they feel a little unreal for a moment.

"Crazy, crazy, I think your boss is crazy. Such a small amount of interest is really too little. Aren't you afraid that your bank will be borrowed out of money, and then you will not come back?"

The middle-aged businessman looked at Zhang Helang and asked with a puzzled expression.

Zhang Helang chuckled, and replied: "Hehe, if he dares not to pay back the money, even if he only borrowed one tael, we will spit out the money from him even if it is the end of the world. Of course, as long as we pay it back on time, we will still pay you back." Very welcome.

At the same time, there is also a credit book in our bank.As long as the money is repaid on time, we will give him a credit rating. The higher his rating, the lower the interest he can borrow from the bank.And if you save money, the more interest you get. "

"My God, is your boss a boy of good fortune? Why is he so generous? Is he the kind of outsider who treats money like dung?"

All of a sudden, countless people started to discuss, and even a few businessmen who were watching had a different kind of light in their eyes.

"Then what conditions do you need for this loan?" The eyes of the middle-aged businessman shone eagerly.

This time he came to Xuanzhen to sell cement. Since the Shanxi merchants' homes were ransacked, the cement merchants' shops in the Sanqin land were also closed down.

Although Zhao Wen also took over the shops of Shanxi merchants, because the reconstruction of Xuan Town required a lot of cement and manpower, the amount of cement transported to various places was much less.

Now that the bandits in Sanqin are intensifying, the demand for cement has skyrocketed. The middle-aged businessman saw the business opportunities here, so he thought of going to Xuan Town to sell some cement.

But he didn't bring a lot of money with him, and there was really little cement that could be transported back. In addition, he had to hire an escort agency, so the cement that could be transported back was even less.

Now, when he heard that the bank loan interest rate was so low, he wanted to borrow some money and transport more cement.

"It's not difficult to borrow money. This is a form. You can fill it out yourself. By the way, our loan money is divided into several specifications. Below 1000 taels of silver, you don't need anything as collateral. You can directly show the road guide and Fill out the form to apply for a loan.

More than 1000 taels of silver and less than 5000 taels of silver, a guarantor who has borrowed from a bank and has a good reputation is required.

For more than 5000 taels of silver, a physical mortgage is required. This physical object can be a house, an acre of land, or an antique calligraphy and painting.How much money do you want to borrow now? "Zhang Helang explained carefully for the middle-aged businessman.

The middle-aged businessman endured the excitement in his heart, "I'll loan 1000 taels of silver!"

"Okay, you take this form, go to the counter, and fill out this form according to the arrangement of the accountant in the counter."

Zhang Helang pointed to a row of counters behind which were blocked by transparent glass, and said to the middle-aged businessman.

The middle-aged businessman nodded heavily, and then walked towards the counter.

After the success of the middle-aged businessman, many businessmen crowded in the crowd are eager to try.

With such a low interest rate, it would be a waste for these businessmen not to take out a loan.

……

"My lord, this method of yours is really brilliant. Today alone, there are more than a dozen businessmen asking us for loans. Without exception, they all borrowed 1000 taels of silver." At night, Zhang Helang stood by Zhao Wen In his study, he told the whole story of what happened today.

Zhao Wen laughed, and said: "Businessmen are profit-seeking, how could they not borrow money with such a low interest rate? Let them taste the sweetness first, and wait until the bank is fully accepted by them before introducing silver coins."

"But my lord, what if they don't pay back the loan?" Zhang Helang asked with a puzzled expression, frowning.

In fact, Zhang Helang was still quite worried about this issue.

Zhao Wen said with a smile on his face: "For this loan, you need to show your guide and fill in your hometown. If they don't repay it, we will go directly to the door. This hometown may be fake, but this guide, I think It's not easy to fake it. Those who can fake Lu Yin probably won't take 1000 taels of silver seriously."

"So that's the case!" Zhang Helang looked at Zhao Wen and suddenly realized.

"By the way, my lord, today I found a strange thing. The people who came to borrow money today are basically selling cement in Xuan Town.

Moreover, during my conversation with them, I also discovered that after this group of people bought cement in Xuanzhen, they would hire bodyguards to transport the cement back.The subordinates thought, why don't adults set up an escort agency?Relying on the power in the hands of adults, this escort agency will definitely make a lot of money. "

"I heard what you said, but I think there are great business opportunities here. Nowadays, the world is becoming more and more uneven. For these businessmen who travel around to do business, the safety of the caravan is always the first.

If we can set up an escort agency, I'm sure it will definitely make a lot of money. Zhao Wen narrowed his eyes and said seriously.

To be honest, if it wasn't for Zhang Helang, Zhao Wen might not have thought of this.

"Okay, you go down first, and by the way, you can find me Qi Qingtian."

Zhao Wen waved his hand at Zhang Helang, and said calmly.

Zhang Helang cupped his hands at Zhao Wengong, and then walked out.

After a while, Qi Qingtian came to Zhao Wen's study.

"My lord, are you looking for me?"

Qi Qingtian bowed his hands to Zhao Wengong, looked at Zhao Wen seriously,

Zhao Wen smiled and said, "Sit down, I'm here to ask you for something."

Qi Qingtian thanked him and sat down opposite Zhao Wen.

"I came to you to discuss something with you." Zhao Wen looked at Qi Qingtian's puzzled expression, and said slowly.

Qi Qingtian asked: "My lord, what's the matter?"

"It's like this. When the bank opened today, Zhang Helang discovered such a thing. That is, merchants who come to Xuanzhen to sell cement will basically hire bodyguards, so I thought, we can set up a bodyguard." Zhao Wen said slowly.

Qi Qingtian pondered for a while, then said slowly: "My lord, this matter is completely possible. Now that there are constant bandits in the Sanqin land, there will definitely be a market for us to set up an escort agency."

"Okay, then I'll leave this matter to you. Just write me a detailed document." Zhao Wen said.

A few days later, Qi Qingtian transferred 3000 people from the reserve force and [-] veterans from the Longmen Army to set up an escort agency.Zhao Wen named it the Daming Security Bureau, and its main projects were similar to those of the Escort Bureau.

After the matter of the Security Bureau was dealt with, various factories outside the city had already started to work, especially the steel factory, which had already begun to tap steel.

In order to solve the barrel problem of Sun Yuanhua's counterfeit gun, Zhao Wen directly led Sun Yuanhua to stay in the steel factory.

In Zhao Wen's plan, the 1 people recruited now will be his direct descendants in the future.

These 1 people will all be equipped with 56 and a half and various weapons of later generations in the warehouse.

Zhao Wen intends to equip the soldiers recruited in the future with this gun imitated by Sun Yuanhua.

But now there is a problem in front of Zhao Wen, and that is the material of this gun.

The smelting technology of this era simply cannot smelt the qualified steel for making gun barrels, so the barrels of firecrackers of this era are very thick.

In this way, it will not only increase the weight of the firecracker, but also cause waste.

Zhao Wen stood in front of the steelmaking blast furnace and looked at the molten iron flowing out slowly, his face was full of solemnity.

The best material for making gun barrels is chrome-molybdenum high-alloy steel, but it is extremely difficult to produce this kind of steel in Daming.

But in addition to this steel, high carbon steel can also be used to make barrels.

It's just that high-carbon steel is relatively hard. It is impossible to hammer high-carbon steel into a barrel like the barrels of this era.

The only way is to use a boring machine, but a boring machine in the modern sense cannot be manufactured in this era, so for a while, Zhao Wen encountered a difficulty.

"Boring machine, boring machine, where can I get a boring machine?" Zhao Wen looked at the furnace of high-carbon steel that flowed out after his own guidance, his face was full of worry.

"First of all, you make these steel sticks into thumb-thick steel sticks. Remember, it must be straight and even."

Zhao Wen pointed to the molten steel flowing out, and said to several shirtless men standing by the blast furnace.

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(End of this chapter)