I was the emperor in the Ming Dynasty

Chapter 104
In the eyes of Jiang Bao and Wang Fu, the emperor's bank was run for eunuchs like them. The two of them respectfully picked up the plan and read it word by word.

At first glance, Jiang Bao and his wife still had a bit of joy on their faces, and they were deeply moved.

The emperor really worked hard, he even arranged the rules and regulations of the bank, but when he looked down, the two of them froze and lost their joy.

Saving silver not only does not charge storage fees but also gives interest?Don't open bank loans to ordinary people?Loan at a fraction of the interest?

This may be done on purpose by His Majesty, there must be a deep meaning, the two comforted themselves secretly, and continued to look down patiently.

But the two of them watched until the end, but they couldn't find an explanation for the above two items. Jiang Bao started to panic again and said urgently:
"Your Majesty, there is no way to do this business. It will definitely not work if you do this."

"What's wrong, you tell me." Li Tian said leisurely.

If the bank does this, even if it has 500 million taels of silver in the internal treasury, it won't be enough to pay for it. Jiang Bao scratched his head anxiously, his mouth fluttered, and he said quickly:

"Your Majesty, there is no reason for the money houses in the whole world to deposit money without collecting money and returning money. Also, they don't lend money to the common people. Except for ordinary people who can borrow money, how can those gentry and wealthy households be short of money?"

"Yes, Your Majesty, if the money with this interest is released, those big banks in the city will definitely borrow millions of taels of silver." Wang Fu was also fidgeting anxiously, and hurried to help.

"I've thought about what you said a long time ago." Li Tian laughed twice when he heard the words, then changed his face and said:

"Jiang Bao, let me ask you, all banks in the capital charge a storage fee for depositing silver. What if a depositor suddenly appears and not only refuses to charge, but also pays interest instead?"

Jiang Bao opened his mouth to argue, but when the words came to his lips, his face paused, and he murmured suddenly:
"Then the common people must go to deposit silver for the interest bank."

Li Tian nodded slightly, showing a teachable expression of a child, and turned to look at Wang Fu and said:

"Wang Fu, I also want to ask you a question, if the common people deposit silver in my bank, which bank can borrow tens of millions of taels of silver at once?"

Picking up the plan casually, pointing to the two detailed rules, Li Tian asked with a smile again:
"Anyone who borrows silver must have the official's private seal as a guarantee. The more you borrow, the higher the rank of the official will be. If someone borrowed all the silver from the bank before, and then came to take it later, do you think there is nothing I can do about it? ?”

Li Tian resolved the concerns of the two with a few words, and Jiang Bao and Wang Fu fell into deep thought.

Jiang Bao Erzhang scratched his head in confusion, what the emperor said was indeed somewhat reasonable, but why he always felt that something was wrong was so strange.

Seeing that the two of them were speechless, Li Tian smiled lightly, squinted his eyes and said in a low voice:

"If I block the news of the preparation of the bank and suddenly announce that the money will be deposited for interest after opening, have you ever imagined what the bank in the city will look like?"

When Li Tian's words fell, Jiang Bao's mind suddenly saw the scene of countless people holding deposit tickets and going to the bank to get money.

Jiang Bao's IQ suddenly went online, and Jiang Bao shivered subconsciously.

Although there is a lot of silver in the bank vaults of the major banks in the city, if all the people go to withdraw the silver, it will definitely not be enough, and they will definitely not be able to withdraw the silver.

"hiss."

Jiang Bao took a sharp breath, what a vicious way.

Banks rely on credit for their livelihood, and they rely on deposits and withdrawals as they go, letting the people know that their money is well placed, and if they cannot be withdrawn, the reputation accumulated over the past few decades will be wiped out.

Thinking of this, Jiang Bao no longer dared to open his mouth to refute, and pondered a little:
"Your Majesty, if that happens, there will be chaos in the city."

Oh, Li Tian was a little surprised that Jiang Bao could figure out the way to do it.

What he said was actually not an ingenious strategy, but a very common run on future generations.

The so-called run is to take advantage of the panic of the people.

For example, there is a sudden news that there will be no food, then the people will definitely go to the supermarket to buy food. The supermarket has a fixed amount of daily purchases, and the warehouse will not store too much. The public will be more convinced of the news of food shortages, and then even more crazily snapping up.

But in fact, the supply of food has never been cut off, and the supermarket was just caught off guard. It only takes a few days to restock the shelves and refill the shelves.But by then, it was already too late, and each of the people's homes had long been full of food that shouldn't have been stockpiled.

As for the way to solve the panic of the people, it is actually very simple.The supermarket only needs to pile up two grain mountains at the entrance. Seeing that the supermarket is so open and bright, people will naturally think about whether the news of food shortage is true or not.

And the phenomenon of running is the same when it comes to banks. Once news comes out which bank will run away with money.

Regardless of whether it is true or not, the common people will rush to the bank waving deposit notes. If the bank has enough deposits, the rumors will be dispelled without attack.But if not, the crazy people will flatten the bank, and the reputation of the bank for decades will be like waste paper, and no one will believe it.

But Li Tian didn't intend to do this, after all, this trick was too vicious, and the people who couldn't withdraw the money couldn't wait to sue the officials, they would just wave their angry fists to kill people to vent their anger.

After a pause, Li Tian patted Jiang Bao's shoulder and said with a smile:

"If I were an ordinary merchant, then this plan would be the best, but I am the Son of Heaven, and I will not let the people go crazy in panic."

"This old slave knows that His Majesty always has a compassionate heart." Jiang Bao bowed to soothe his emotions. Although there were still many puzzles in his heart, he no longer contradicted him and said:

"Don't worry, Your Majesty, this old slave will start to arrange this matter tomorrow."

"En." Li Tian responded, got up and walked to the imperial case, took a sip of herbal tea from the teacup:

"Handle it well. I said that if this matter is completed, those eunuchs will give you Jiang Bao a monument of longevity."

"This old slave will do his best." With a solemn expression on his face, Jiang Bao suddenly thought of something, and asked cautiously:
"Your Majesty wants this old slave to be the treasurer of the bank?"

Li Tian burst out laughing when he heard the words. This old thing, he was full of words before, and he definitely couldn't make it. Now let's talk about the future:

"You'd better stay honestly by my side and do more stupid things. When the time comes, I will hand over the money bank to King Zhao and let Guo Liuhu be the second shopkeeper."

"Eunuch Guo?" Jiang Bao was surprised at first, and then said with great joy:
"Your Majesty will not kill Eunuch Guo?"

Li Tian shook his head noncommittally, did not answer Jiang Bao directly, and continued with a light smile:
"I understand that you went to the Habayashi Guard's garrison to revoke Jiang Yu's military registration. From now on, the two of them will stay in the bank and make amends for me."

(End of this chapter)