After three years of enfeoffment, the waste prince shocked the court boss

But we let them deposit money, not only do not charge storage fees, but also pay them interest.

We will open accounts for people who want to save money, even if it is a penny.

In this way, our natural deposit-absorbing group is broader than that of banks. As long as credit is gradually established, people can exchange real silver at any time, and sooner or later the banks will be spread out. "

Li Su explained.

"People have to pay them interest for saving money? This has never happened before. Wouldn't it be a lot of money lost in vain!"

Zheng Kun asked curiously.

"Master Zheng, don't you think we can use this money to invest in railways and sea trade? The income we bring can't keep up with the interest?

If it is really so unconfident to make a profit, then simply don't borrow money to do these things. "

Li Su asked back.

"It's because the lower officials are short-sighted."

Zheng Kun was convinced.

"Regent, you are competing with the people for profit!"

At this moment, an untimely voice sounded.

……

Chapter 195 Break up

Everyone looked in the direction of the sound.

"Xiao Wenmao, the censor of the left capital of the Metropolitan Procuratorate?"

Xiao Wenmao was the second rank of the Zuodu Censor of the Metropolitan Procuratorate of the current dynasty. He has always been known for his integrity and has an excellent official reputation among the people.

Some people even stopped the sedan chair to sue the son of the chief official of the Jingzhao Mansion at that time for robbing the daughters of the people. Xiao Wenmao directly brought the matter to the court.

In the end, Jing Zhaoyin was directly dismissed from office, and his son was sent to prison.

After this incident, Xiao Wenmao's reputation became even worse for a while.

And Xiao Wenmao also cherishes feathers very much, he has never been greedy or possessive, and restrains himself with the virtue of a saint.

Although he came from a wealthy family, he was extremely frugal, and even his official uniforms were washed to white, and he was reluctant to change them for new ones.

That's right, he has another layer of identity. He was born in the Xiao family in Shandong, a big family that has stood for thousands of years.

Li Su looked at the upright Xiao Wenmao with interest, and a meaningful smile appeared on the corner of his mouth.

"Is the family going to jump out?"

Li Su said to himself.

There have always been figures of aristocratic families in Dagan's court, and many of them hold important positions, such as Xiao Wenmao who is in charge of the Metropolitan Procuratorate is one of them.

Putting aside colored glasses, in fact, the aristocratic family has made countless contributions and hard work for the great work.

Whether it is the court or the army, they are the mainstay.

But their most fundamental purpose in court is to safeguard the interests of the aristocratic family.

It's good not to offend their interests, they are officials who care about state affairs.

But once the interests of their aristocratic family are touched, they are the spokespersons of the aristocratic family at this moment.

Very fragmented and realistic.

"Master Xiao, why did you say that? The common people earn interest on depositing silver, and the imperial court also has money. Why do you want to compete with the people for profit?"

Li Su asked.

"Does the Regent know how many people are supported by private banks? The banks, large and small, scattered all over Dagan, employ at least tens of thousands of people.

And there are countless people who cooperate indirectly with banks.

The regent opened this bank, isn't it forcing these people who rely on the bank for their livelihood to die! "

Xiao Wenmao said with a righteous face.

"Oh? Are you sure that the people who rely on the money to make a living are the common people? Or the group of people who rely on the money to suck blood from the people?"

Li Su sneered.

As for the group of people he was talking about, they were naturally the family headed by the Xiao family.

"The money bank provides convenience for merchants, and at the same time provides loans for the common people. It is urgent to save the common people. How come the saying of sucking blood from the common people!"

Xiao Wenmao also said bluntly.

A dynasty of flowing water, a family of thousands of years, as a child of the family, there is really no need to give Li Su too much face.

"The donkey rolls, borrows one and returns ten, nine out of thirteen returns, Mr. Xiao has never heard of these words, right?

Those banks have never been charitable, and their loans to the people have always been able to destroy households, not just skins.

Master Xiao has always been known for loving the people like his son, have you never heard of this? "

"It's only natural to pay off debts.

People borrowed money and signed the papers voluntarily. If they broke their promises, they would be responsible for what happened. "

"Regent, if you really want to open a bank, why not follow the bank and provide convenience for merchants.

As for the issue of excessive banknotes, there is even a risk. If the silver is embezzled and the people go to exchange it for real silver, if they cannot get the money, it may damage the reputation of the court. "

Xiao Wenmao seemed to be persuading Li Su, but in fact, there was a sense of threat inside and out.

"Xiao Wenmao, don't pretend to be mean here, don't think that others don't know, the Xiao family is behind Huitong Bank!"

Zheng Kun stood up and reprimanded angrily.

After finally finding a way to make money, how could Zheng Kun not be angry if someone stopped him.

As soon as the words were spoken, the court was silent.

Everyone knew it was the same thing, but it was a bit embarrassing to make it clear.

"Lord Xiao, don't worry, since I have opened my mouth to open a bank, I have naturally considered all the things that Lord Xiao is worried about.

Banks can not only do what banks can do, but also what banks cannot.

As for the run on by the people?

Oh, I believe that no one can organize so many people to crush the bank.

I dare the people to be good people, so how could they do such things that harm others and benefit themselves. "

There was something in Li Su's words.

One morning, because of the bank, they broke up unhappy.

As for Li Su, he sent a letter to Lingnan to transfer a group of people to Beijing.

The banking matter is complicated, and Lingnan University has already trained a group of economic experts.

The most important thing is that he wants to transfer Liu Lin to Beijing.

The Xiao family's ancestral home.

"Then Li Su wants to touch the bank, damn it!"

Sitting on the main seat in the lobby was an old man with a wrinkled face. This person was Xiao Mutang, the Patriarch of the Xiao Family.

The person sitting at the bottom was Xiao Wenmao who was in the early morning today.

"Uncle, what should we do, just watch him open the bank?"

Xiao Wenmao asked respectfully.

"Let him drive, I'll see how he ends up then.

With this money, the old man wants to see if this living God of Wealth has a false name.

Call the other two families over tomorrow, and we'll prepare a good dish for that brat. "

Xiao Mutang said lightly.

"Yes, that nephew went back first."

Xiao Wenmao got up and was about to say goodbye.

"It's getting late, why don't you just stay for one night before leaving, your house is really remote.

The old man said a long time ago that you don't have to suffer so much. Our Xiao family has not yet reached the point where you need to earn your reputation through hard work. "

Xiao Mutang persuaded.

"It's not good to be seen by others, my nephew should go back to live."

"Well, it's cold in the spring, so let the charcoal stove in the sedan chair burn more vigorously."

"Yes, nephew retire."

Xiao Wenmao boarded an unpretentious sedan chair and walked towards his house.

The exquisite incense charcoal stove in the sedan chair was burning red.

If you open the lid and take a look, you will be surprised.

Master Xiao, who has always been frugal, actually burned the snow red fragrant charcoal specially made by Xiuchunlou, which is called one tael of gold and one tael of carbon.

……

Chapter 196 Opening

It is imperative for Li Su to establish the Royal Bank, and this matter cannot be discussed.

When Liu Lin came to the capital with his staff, Li Su discussed the constitution of establishing the bank with Liu Lin and Zheng Kun.

Eventually, the imperial court established Dagan Royal Bank in the name of the royal family.

The national treasury, that is, the imperial court, accounts for [-]%, and the royal treasury and Prince An's Mansion each account for [-]%.

In the 21st year of Longjing, on March [-]th, the first Daqian Royal Bank opened in the capital.

The location is just opposite the Beijing Stock Exchange, the most prosperous area in the capital.

A hanging firecracker crackled and the gong sounded.

Li Su, Li Chengyong, and Zheng Kun, representing the three major shareholders, picked up the gold scissors and cut off the red ribbon together.

Countless people gathered outside to watch, curious about this new thing called a bank.

According to Li Su's instructions, Liu Lin stood on the high platform and explained the rules of the bank to everyone.

"Mr. Liu, you didn't fool us, did you pay interest for depositing the money in the bank?"

"That's right, you deposit ten taels of silver, and when you withdraw it a year later, the bank will give you an extra half taels of interest."

"We have saved this, can we take it out at any time?"

"Silver deposits are divided into fixed-term and demand deposits. The interest rate of fixed-term deposits is higher. If you want to withdraw at any time, you can choose current deposits."

"Mr. Liu, just now you said that the bank's money can also be loaned to us. Is the interest on this loan really only [-]%?"

"Behind the Royal Bank is the imperial court and the royal family, can't everyone still believe it!"

"Is it true that you can open an account with only a penny?"

"No matter how much money, our bank welcomes everyone to open an account for deposit and withdrawal."

……

Liu Lin patiently answered everyone's questions one by one.

"Let it go, let it go."

At this moment, there was a shout from behind the crowd.

Everyone looked back and saw a group of people walking towards the bank with three carts of boxes.

"The Pan family, Minister of the Ministry of Officials, has deposited 1 taels of silver in Daqian Royal Bank, please check and collect it!"

The person leading the team shouted loudly and deliberately.