Daming: My boss Zhu Yuanzhang

Chapter 202 Wang Laoer and the Good Samaritans
In the early days, the bank's business was relatively simple, only deposits and withdrawals, and the exchange of old and new banknotes. Li Wei didn't even mention the loan, for fear that they would not be familiar with it and make mistakes easily.

After three days of simple training, everything was ready. Minghuang Bank, the first commercial bank in the Ming Dynasty, was officially opened on Ximen Street.

As the sign was unveiled, firecrackers sounded, immediately attracting the attention of some passers-by.

"Bank? What is this for?"

Wang Laoer looked at the words on the sign and muttered to himself in confusion, and a "good Samaritan" immediately explained to him:
"I heard that it is similar to a money shop. Isn't the bank bank closed now? You can exchange old banknotes here in the future. You only need to deposit them for one day, and when you take them out the next day, you will be given new banknotes, and you can deposit one You can still get interest for more than one month!"

The kind person explained it to him in detail.

Li Wei made this decision, firstly, to familiarize the people with the deposit process and attract deposits, and secondly, to slow down the speed of currency exchange. Now he only has 50 new banknotes in hand, and the stock of old banknotes in the capital is estimated to be more than [-] million guan. , the banknote exchange has to be done slowly.

He said anxiously: "Stop talking, I have to get in line quickly!"

Let's go.

When Wang Laoer heard that new banknotes could be exchanged here, his eyes immediately lit up. He quickly grabbed the kind man and asked: "You mean you can exchange new banknotes here?"

"Yes, but you have to deposit it first and then take it out the next day." The kind man patiently explained to him.

Wang Laoer understood now that he had to pay the money on the same day and take it out the next day to exchange it for new banknotes. He suddenly felt suspicious.

"You're not lying to me, are you?"

Hearing this, the kind man suddenly became unhappy: "Why did I lie to you? If you don't believe me, I'm going to save money!"

After saying this, the kind man stopped staying and quickly walked into the bank.

Wang Laoer hesitated for a moment and then followed in.

After entering the door, he discovered that in just a short time, there were already many people queuing in the so-called bank lobby. The kind man who just talked to him was at the end of the queue.

Wang Laoer was not in a hurry to follow, but just watched from the side.

After waiting for a long time, it was finally the good Samaritan's turn. The accountant in front of the counter first registered him and filled out a form and asked him to sign and make a deposit. Then the good Samaritan took out a pile of old and new banknotes. Everything was handed over to the accountant. After the accountant counted everything clearly, he wrote it down in a booklet, and then asked him to write something before giving him the booklet.

The kind man picked up the pamphlet and stood up to leave. The cash was collected by the accountant.

Wang Laoer was immediately surprised. He stopped the kind man who was about to leave and asked, "Is this all right?"

"Yes!" The kind man nodded.

"Then how do you take out that money again?"

The kind man was very patient and took the trouble to explain to him: "Look at this booklet of mine. It records the amount of money I saved. And I just wrote a few words and left them there as passwords. I will wait for me tomorrow." Take this booklet and write it again. As long as it matches what you wrote today, you can withdraw the money."

Wang Laoer was very surprised after hearing this. If you want to withdraw money, you must have a booklet and a password.

"Then if this pamphlet is lost, will the money be lost?" Wang Laoer said worriedly.

"It's okay. If you lose it, you only need to go to the government to issue a household registration certificate and you can get the money out. But if you still want this kind of booklet, you have to pay a ten-cent fee for the production."

The kind man explained patiently and waited until Wang Laoer had no more questions before he walked out of the bank.

Wang Laoer stood alone in the lobby, a little confused for a moment. Although some kind people demonstrated it again, he still hesitated.

Since the Bank's bank was closed, the treasure banknotes have been falling like a sudden drop in value, and various shops are unwilling to accept the treasure banknotes. They refuse openly and covertly, so ordinary people like them can only spend it at discounts again and again.

Although after the Minghuang Chamber of Commerce began large-scale shipments, many stores began to accept treasure banknotes, but the discount of old banknotes is still very high.

If this bank can really exchange it for new banknotes, it will undoubtedly be a great thing for him!

But if the money is deposited and people don't acknowledge it the next day, or there are other ways to deceive people, then the valuable money will be wasted.

In fact, the edict to move the banknotes from the bank's warehouse to the bank was issued when the bank opened. But now there is no TV or loudspeaker, so the notice can only be posted in crowded places such as city gates. When people read out the translation, it spread very slowly, and Wang Laoer didn't know about it for the time being.

While he was thinking about it, more and more people were queuing up in the bank. When Wang Laoer saw this situation, he gritted his teeth and stamped his feet, and hurried over and stood at the end of the queue.

And just after he entered the queue, the originally slow-moving team suddenly seemed to be playing at double speed. After a while, the person in front finished his work and quickly moved him to the front.

Although Wang Laoer was surprised by this, he didn't think much about it and just thought that the accountant was doing things efficiently.

"What does this guest officer want to do?"

The accountant waited for him to come forward and asked enthusiastically.

"I want to exchange old banknotes for new ones." Wang Laoer said tentatively.

"Oh, that's it. Now you need to deposit the old banknotes into our bank to reverse the banknotes. If you take them out the next day, they will be replaced with new banknotes. In addition, if you are willing to deposit them for more than a month, you will get an interest of three thousandths. If you save for one year, it will be 5.00%!" the accountant explained.

In order to attract deposits, Li Weiding offered high interest rates. There were too many old banknotes circulating outside. If he didn't absorb a large amount of money into deposits, it would still be difficult to cope with the inventory of the Minghuang Chamber of Commerce and the newly printed banknotes.

When the speed of money printing increases in the future, the interest rate will be adjusted down. After all, in this era, it would be good for an institution like a bank not to charge interest from depositors, let alone pay interest.

Wang Laoer had heard these things mentioned by well-intentioned people before, and he had no doubts about the rule that new banknotes could be withdrawn the next day. As for the money saving matters mentioned behind the counter, he did not think about it for the time being. Now he just wanted to get it done as soon as possible. Old banknotes are exchanged for new ones.Out of caution, Wang Laoer only took out an old banknote with a denomination of [-] yuan and handed it to the accountant.

The accountant didn't mind it either. After accepting it, he registered and opened an account for him, then asked him to write down the password for his files, and then handed him the completed booklet.

Wang Laoer looked at the booklet and saw his name on it, as well as a series of numbers, the amount of money he had saved, etc. The amount was also stamped with half a seal.

After carefully putting the book away, he left the counter and walked out of the bank with an anxious mood.

As time went by, many passers-by like Wang Laoer were guided in by well-meaning people. Some of them looked carefully and then left, thinking to wait until tomorrow to see if these people who had saved money could actually withdraw new money. Let’s talk about it later.

Some bold people just queue up and deposit money. Of course, they don't deposit much. They usually just try it out with hundreds of coins.

Nowadays, the value of treasure banknotes has depreciated so much that a hundred-pen banknote is only worth a dozen cents. Ordinary people can bear this loss, and it is difficult to spend old banknotes now. Rather than rotting in your hands, you might as well give it a try.

In the bank lobby, Li Wei sat in the corner and looked at the people queuing up. Just in case, he would keep watching in the first few days so that if there was any problem, he could solve it in time.

At the beginning, the people queuing up were basically the salesmen he arranged. There were very few real ordinary people, but it didn't matter. It was just a practice to let the accounting office become familiar with the process.

As time goes by, more and more ordinary people are in the lobby, but most of them are just observing, waiting to see if those who foolishly save money can get it out tomorrow.

The day passed by in a hurry, and when it was time to apply in the afternoon, Li Wei saw that it was almost time, so he asked people to withdraw, ending the day's business.

Then he closed the door, reconciled the accounts with the accountant, and settled the accounts where the gangsters were acting. It took him a whole day to deposit only a few coins, which was pitiful.

But he was not in a hurry, after all, this was just the beginning, and the next few days were the focus.

Early the next morning, before the bank opened, there were more than a dozen people waiting outside the door, and Wang Laoer was one of them.

After these people waited for a long time, the bank finally opened for business, and they immediately squeezed in.

"I want to withdraw new money!"

Wang Laoer rushed to the front, was the first to come to the counter, and shouted to the cashier who had just sat down.

"I also want to withdraw money. I deposited it to you yesterday!"

"Me too, I saved a hundred cents!"

After the cashier sat down, he saw them huddled together and quickly shouted: "Don't crowd, just line up and come one by one..."

Yet his words had little effect.

Next to him, Li Wei was sitting on a chair, with several guards guarding him.

Looking at this situation, he couldn't help but frown slightly and ordered Tuo Huochi beside him: "Xiao Huo, take someone to maintain order!"

"Good sir!"

Hearing the words, Tuo Huochi immediately nodded and agreed, quickly called two guards to come to the group of people, and left Li Wei. The flattery on his face immediately disappeared, and he shouted fiercely:

"Don't be crowded, get in line!"

The two guards also shouted after him.

When everyone saw them, their expressions suddenly changed. Although these guards did not wear armor, they all had swords.

After hearing a few people shouting, they no longer dared to crowd around, and just like yesterday, they lined up obediently.

Wang Laoer was the first one. When he came to the accounting room, he carefully whispered what he had just shouted:

"I'll withdraw the money."

"Well, bring me the deposit book."

The accountant said softly.

"Okay okay."

Wang Laoer quickly took out yesterday's pamphlet and handed it over.

The accountant took a look and saw that there was only a hundred coins, so he didn't waste any more words. He took out a piece of paper and asked him to write down the password he wrote yesterday. Then he checked it with the one who had left the file. After confirming, he took out a new-style treasure note and gave it to him. I asked him and reset the balance on the register to zero and stamped it.

Wang Laoer got the new banknotes, and when he saw the portrait of Zhu Yuanzhang clearly on it, his hands trembled and he exclaimed:

"Is this a portrait of the Holy One?"

"Yes, this is exactly the portrait of the Holy One today. This kind of treasure banknote is the new banknote approved by the Holy One. You can use it with confidence." The accountant said softly.

"This, this is actually a portrait of the Holy Emperor. I actually got a portrait of an emperor!"

Wang Laoer was so excited that he was incoherent while holding the treasure banknotes. It didn't matter to him whether the banknotes were precious or not. This emperor's statue was not worth a hundred coins, even if it was a hundred coins, it was still worth it!
(End of this chapter)