I was chased by my sickly junior brother who had two lives

After successfully launching the triple-linked silver bill and effectively curbing the problem of fake silver bills, Chen Jia and Chen Jue were not satisfied with this, but instead set their sights on how to make the new silver bill more popular and further expand financial business. They knew that attracting more deposits from the people was the key to strengthening the strength of the money houses and promoting the widespread use of silver bills. So, after careful consideration, the two decided to introduce a method of giving interest on deposits and set a graded interest rate based on the deposit amount.

On this day, the sun shines through the window into the study room of the Chen Mansion. Chen Jia and Chen Jue sit at the desk, which is piled with materials about bank business and market research. Chen Jia flips through the materials and breaks the silence: "Sir, although the three-link banknote has solved the anti-counterfeiting problem, some new measures need to be taken to make it more popular in the market. I think it may be feasible to introduce a method of giving interest on deposits to attract more people to deposit money in our bank."

Chen Jue nodded slightly, with a hint of approval in his eyes: "Madam, this is a great idea. People have always paid attention to practical benefits. Giving them interest can actually benefit them, so they will naturally be more willing to deposit their money with us. It's just that the setting of this interest rate needs to be carefully considered."

Chen Jia thought for a moment and said, "Sir, we can set up tiered interest rates based on the principle that the more you deposit, the more interest you get. For example, people with low deposit amounts can be given a relatively low but stable interest rate; as the deposit amount increases, the interest rate will also increase accordingly. This way, we can take care of ordinary people and attract large deposits from wealthy merchants."

Chen Jue picked up a pen, wrote down a few numbers on the paper, and said, "Madam, how do you think about this? For deposits below 2 taels, the annual interest rate is set at 3%; for deposits between 4 and 5 taels, the annual interest rate is raised to %; for deposits between and taels, the annual interest rate is %; for deposits above taels, the annual interest rate can be %. This distinction can both reflect the differences and reasonably control costs."

Chen Jia looked at the numbers on the paper, thought for a moment and said, "Sir, this interest rate setting is generally reasonable, but I think it can be further refined. For example, for 5 to 6 taels, the annual interest rate is 7%; for to taels, the annual interest rate is %; and for more than taels, the annual interest rate is %. This will be more attractive to wealthy merchants with large deposits, and it will also encourage ordinary people to save more money."

Chen Jue nodded in agreement: "Madam, you have thought it through more thoroughly. With this arrangement, people from different classes can benefit from it, and it also meets our goal of attracting more people to deposit money. However, we still need to consider how to publicize this policy to the people so that everyone can understand it clearly."

Chen Jia's eyes lit up and he said, "Sir, we can put up a conspicuous notice at the entrance of the bank, detailing the calculation method and graded interest rates for deposits. At the same time, we can arrange for our staff to explain to the people in places with large traffic in the city, such as markets and docks. In addition, we can also ask some influential merchants to help spread the word faster."

Chen Jue smiled and said, "Madam, your propaganda plan is very good. We can also make some leaflets with relevant information about deposit interest and have the staff distribute them to passers-by. Moreover, we should warmly welcome the people who come to deposit money, patiently answer their questions, and leave a good impression on them."

After the discussion, Chen Jia and Chen Jue immediately took action. A huge notice was quickly posted at the entrance of the bank, with the deposit interest policy and grade interest rates written in eye-catching fonts. The guys also went to the streets and alleys to spread the good news to the people.

At the market, a clerk held a leaflet and introduced it to an uncle who was setting up a stall: "Uncle, do you know? Now our bank has launched a new policy. If you deposit money, you will get interest. The more you deposit, the higher the interest! For example, if you deposit 100 taels, you can get 2 taels of silver in interest after one year. What a good deal!"

The uncle took the flyer with doubt and said, "Is this really possible? Can I guarantee that my money will be safe if I deposit it?"

The clerk said quickly, "Uncle, don't worry! Our bank is managed by Duke Chen and Madam Chen, so our credibility is beyond doubt. Moreover, we are using the new three-way banknotes, which are very anti-counterfeit, so your money is absolutely safe."

At this time, a young scholar passing by also came over and asked, "If I want to deposit one thousand taels of silver, how is the interest calculated?"

The clerk smiled and replied, "Sir, if you deposit 5 taels, the annual interest rate is %. After one year, you can get taels of interest. This is much better than leaving the money at home idle, and it can also support our bank's business."

After hearing this, the scholar nodded and said, "It sounds good. I will go back and discuss it with my family."

At the same time, Chen Jia and Chen Jue invited several influential merchants in the city to the money house to discuss cooperation and promotion matters.

Chen Jia smiled and said to the merchants: "Everyone, I invited you all here this time to help publicize our bank's new deposit interest policy. This will not only benefit the people, but also the commercial development of our Qing country. How about you help promote it in your daily business dealings?"

A silk shop owner said, "Madam Chen, you and Duke Chen have made so many contributions to Qing's business, so we will definitely help you. But, during this promotion process, what should we pay attention to?"

Chen Jue said: "When you promote it, please make sure to explain the deposit interest policy and the graded interest rates clearly so that people can understand the benefits of saving money. If people have questions, try to answer them patiently. If they encounter questions that are difficult to answer, let them come to the bank and we will explain them in detail."

A rice shop owner then said, "Duke Chen, Madam Chen, I think we can give some rewards to the merchants who help promote the business, so that everyone will be more motivated."

Chen Jia nodded and said, "That's a good idea. For any merchant who helps promote and successfully attracts deposits, we will give a certain percentage of commission based on the amount of the deposit."

After hearing this, the merchants expressed their willingness to help with the promotion.

As the publicity campaign unfolded, more and more people learned about the interest paid on deposits in money houses, and there was an endless stream of people coming to consult and deposit money.

In the bank, a wealthy businessman who came from another place said to Chen Jue, "Duke Chen, I heard about your bank's new policy when I was away from home, and I found it very attractive. I plan to deposit 5,000 taels of silver this time. I wonder if I can really get the interest on time?"

Chen Jue smiled and said, "Of course, don't worry. Our bank's reputation is paramount. As long as you deposit money according to the regulations, the interest will be paid to you in full and on time. Moreover, if you deposit 7 taels, the annual interest rate is %. After one year, you will get taels of interest."

After hearing this, the rich businessman nodded with satisfaction: "Okay, then I'm relieved. I'll go through the deposit procedures right away."

As more and more common people and wealthy businessmen came to deposit money, Chen Jia and Chen Jue discovered that not only did people from all over Qing respond positively, but even people from other vassal states had heard about it and came to consult and deposit money.

One day, a businessman from a neighboring vassal state came to Chen Jia and said, "Madam Chen, I heard about your bank's deposit interest policy and I think it's very good. But I'm from a foreign vassal state. Will it be inconvenient to deposit money here?"

Chen Jia smiled and replied, "Of course not. Our bank welcomes people from all countries to deposit money here, and we treat everyone equally. If you deposit money here, you can also enjoy the corresponding interest, and we will ensure the safety of your funds."

After hearing this, the merchant said happily, "That's great. I'll deposit two thousand taels of silver to try it out."

As the number of depositors and the amount of money deposited continued to increase, Chen Jia and Chen Jue's bank grew stronger and stronger, and the new silver bills became more popular in the market due to the support of more funds, and were widely welcomed by the people of Daqing and other vassal states. Their innovative measures not only promoted the development of financial business, but also made important contributions to the economic prosperity of Daqing.