Chongzhen chat group.

Chapter 277
At this time, the function of the ticket number is still very simple. It keeps money for customers, charges storage fees, and also provides loans, but they are all high-interest loans, which are actually usury loans.In addition to charging a handling fee, you can withdraw money in another place.

This Daming Construction Bank is different from the bank number in the impression of Daming people.

First, there is no money for deposits. If you lose it, you will be compensated [-]%.Let you save at ease, save at ease.

Second, you can use collateral to borrow money, and the deposit is very low, only about one-tenth of the ticket size. Depending on the loan period, there are different loan interest rates to choose from, so as to meet various loan needs as much as possible.

Third, the funds of Daming Construction Bank are strong enough, and withdrawals in other places are [-]% guaranteed. When you deposit money from Yingtianfu and then go to Jingshi to withdraw money, you will find that Jingshi has no money to withdraw.

It is also stated that the Daming Construction Bank is under the jurisdiction and supervision of the Daming Central Bank.Anyone who violates the regulations can go to the Central Bank of Daming to sue.

At the same time, another imperial decree was circulated throughout the world, announcing that financial business is related to the safety of the country, and private financial business, such as usury, bank accounts, banks and other activities, is strictly prohibited.

That is to say, from now on, Daming Construction Bank will be the only financial institution in Daming, unless the imperial court approves otherwise.

As soon as the news was announced, it caused a sensation again.The Daming Construction Bank is no better than the Daming Royal Cement Company, and most of the people in the capital are stunned by this.Although it has been explained, many people still don't understand it.But their intuition told them that this thing is awesome.

"You say, is this Daming Construction Bank the same as a bank account, and it actually keeps money for others for nothing? It's not worth it!"

"That's right, the loan interest is so low, how does this business work?"

"..."

All kinds of questions, all kinds of people who can't figure it out.Even some people with darker thoughts were more extreme when they spoke: "Could it be that the imperial court is going to steal the money?"

"That's right, you also said that the imperial court took out 3000 million taels of silver to invest in shares, hehe, when did the imperial court become so rich?"

"..."

These remarks had an absolute upper hand when the announcement first came out.But not long after, slowly, the words of some knowledgeable people began to spread.

"With the strength of the imperial court, how difficult it is to keep money for others, that is, to store money in multiple places."

"Then you are ignorant, the billing account, um, opening the Daming Construction Bank is a business that makes money with money. The more money you have, the bigger your capital, the more you will earn!"

"..."

Those who couldn't understand, because of the Daming Royal Cement Company's reasons, were a little suspicious in their hearts that they didn't think in the right place. When they heard someone who could explain, they quickly surrounded them and asked for advice humbly.Especially those who have a lot of money, even specially invited people who know how to go to the house for dinner and tea.All of a sudden, the area of ​​the capital, which was a little bit close to the ticket number before, became a hot commodity.

Of course, there are also some people who didn't know what they were doing before, but after the announcement, they also explained clearly, even more clearly than those who were originally related to the ticket number.

"You don't know, as long as the bank controls the loan risk, that is to say, the collateral of the borrower must be evaluated, then it will be [-]% profitable."

"Think about it, if you can repay the loan when it's due, I'll get the money back with more interest, right? If you can't repay, then I'm sorry, the collateral will belong to the bank."

The person who asked for advice interjected in surprise: "Hey, isn't this similar to a pawnshop? A pawnshop must have a good shopkeeper, otherwise it will lose money if the valuation is wrong."

"That's right, that's the point of what I said just now! You may not have noticed that it is stated in the circular that the value of the collateral received by the bank must be clarified."

"What do you mean, the value must be clear?" The person who asked for advice didn't understand after hearing this, and asked quickly.

"Don't understand? Then let me make an analogy. The value of cultural relics, calligraphy and paintings can be high or low, right? For these things, the bank does not accept mortgages, so as not to lose money, or... there are tricks. The mortgage must be real estate, pavement, Fields and things like that are easy to ascertain. So, do you understand?"

"..."

People who understand, those who don't understand, and those who don't understand, are all discussing the Daming Construction Bank.

The emperor's relatives, nobles, civil servants and military generals, traffickers and pawns, etc. are all discussing the Daming Construction Bank.

This time, it took half a month from the announcement to the official auction of the shares, and the discussion continued. Even when everyone met, instead of asking "Have you eaten?", they asked "Are you going to buy?" Ask "Did you raise money?"

When the capital is so lively, the Korean peninsula, which is far across the sea, is also very lively.It's just that this excitement is not that excitement.

Aixinjue Luo Amin had a great time during this period. The army went all the way east, harvested every day, collected a lot of food and other materials, and it was inconvenient to carry them with the army, so they gathered in Yizhou near the Yalu River and sent heavy troops to garrison them.As for himself, he continued to lead the army to the capital of North Korea.

During this period, the King of Korea sent envoys to communicate, but they were all scared back by the conditions he set.Amin's purpose is very clear. With Huang Taiji's current reputation, he will not be oppressed by Huang Taiji only if he raises the amount of food that surprises everyone.

The Jianlu who followed Amin to North Korea also enjoyed a good time during this period.Go out together, take what you see and what you want, whether it's people or things.If you dare to say no, you will be greeted with a single knife.

Those Korean soldiers were just as virtuous as the Ming army, or even worse, and it was considered good if they didn't run away after hearing the news.Those who defended the city and refused to open it immediately drove the captured Korean people to attack the city, and after the city was captured, the city was massacred.Therefore, North Korea has no decent resistance at all.

Of course, there are also things that bother Jianlu, that is, as time goes by, fewer and fewer people can be seen.Often before they arrive, the people in the village or the city all run away.

Also, slowly, if Jianlu went out with fewer people, he would encounter attacks.These people are just ordinary people, or some defeated soldiers.Although it can't cause much harm to them, it is also a trouble.

The king of North Korea, Renzong, heard all kinds of bad news every day, so that he never had a good mood.He hoped for Wu Daji's reply, but there was no news, and he was a little desperate.If that Amin had offered less conditions, he would really have accepted it.

Now there is a voice in the court, saying that Dajin Dahan is easier to talk, and see if he bypasses Heshuobeile Amin and directly asks Dajin to tell the truth. He really can't get so much food, maybe he can slightly less.

　I owed six shifts before, paid back three shifts, and still have three shifts.However, there is a recommendation this week, the difference between the high order is 2 to 100, and if the two changes are owed in advance, then there are still 5 owed changes.See if you can return it before work.

　　


(End of this chapter)