History of Cannon Fodder Struggle [Qing]
Chapter 64
Although his heart was pounding, Minning insisted on speaking.
"Long live God, someone came to the servant's village to dig people before, but what they dug over signed was not a contract but a contract of sale. Those people came to ask for help when they had nowhere to go. If the Lord Long Live wanted to reward the slave, then let those people recover. personal."
The emperor wondered: "Those people betrayed you, are you not angry and still thinking about them?"
Min Ning said: "It's just that they are poor people who are looking for profit. They are not satisfied with the treatment given by the servants, so they will leave naturally. It's just that some people are deceived because of illiteracy, and they can't help if they don't want to! Zhuangzi has made contributions, and slaves can't let them go."
The third prince on the side was a little uncomfortable, as if he was the one who cheated people with the contract of selling his life.
The emperor glanced at his sons, and then said to Minning, "I will send someone to investigate this matter. If it is true, I will naturally decide for those people."
Min Ning was overjoyed and knelt down to thank him!
When leaving Changchun Garden, Fourth Master was walking in front. His footsteps were so fast that Minning couldn't catch up no matter how hard he followed.
Finally she trotted to grab his hand.
"Father..."
Fourth Master's face was icy, and when he remembered that this person was so courageous in front of Han Ama just now, and dared to make demands, Fourth Master was so angry that he wanted to knock her head open to see what she thought.
Dare to ask Khan Amati, the old birthday star is really impatient to hang himself.
Minning naturally knew why fourth master was angry, so he took his hand and explained, "Master, can you listen to my explanation..."
The fourth master stepped forward, "An Jia, you, you are too courageous!" How dare you sue other brothers in front of Han Ama!
Minning said with a bitter face, "Long Live God asked me what rewards I wanted, and I only thought of this one. I thought that since Long Live God asked me, I would definitely not want to accumulate these achievements. I am afraid that if I don't want these rewards, there will always be some One day will make great achievements!"
The fourth master smiled angrily, stretched out his hand to pinch her mouth, gritted his teeth and said, "You are the one with high merits?"
Minning blinked and nodded.
The fourth master let go of his hand and said, "Is Khan Ama the kind of monarch who hides everything, you think too much." He said the last sentence very without confidence.
The two continued to walk outside, "During this period of time, your business will be handed over to your subordinates, don't take care of it anymore! Since Khan Ama has promised you, he will not let others do anything about your business."
As soon as he reached the gate, he saw the prince walking in hastily.
Fourth master stopped in his tracks and bowed to the prince.
The prince didn't stop, he waved his hand hurriedly, stopped after walking a few steps, and shouted at the fourth master, "Fourth brother, is Khan Ama alright?"
Min Ning hid behind Fourth Master, wondering why the prince came here until now?By the way, it seems that there is still the eldest prince who has not arrived yet.
The fourth master replied respectfully, "It's no big deal to go back to the prince, just take us to watch the flying ball together."
The prince seemed relieved, "It's fine, I don't know who is bold enough to fly in the sky!"
Minning came out from behind the fourth master, "Returning to the prince, it is because the concubine is not strict in discipline, so that my subordinates made a large Kongming lantern, and it flew into the sky without saying a word, disturbing the long live Lord."
The prince narrowed his eyes and glanced at her, just as he was about to say something, a person hurried out from the garden.
"His Royal Highness, Long Live Lord, please go over!"
The prince bowed his head slightly, "This is the end." Then he said to the fourth master, "Fourth brother, you have to discipline this concubine well, don't get too used to getting your nose on your face." He nodded at him again last night Nodding, he hurried away.
Minning felt a fire in his heart on the spot, who is this?
Fourth Master grabbed her hand and pulled her out.
After getting into the carriage, fourth master let her go.
"Don't fool around!"
Minning looked at Fourth Master angrily, "Master, he is clearly taking revenge on me, and he cheated on him before taking revenge on me!"
The fourth master glanced at her, "Since you know, then be more careful. Although Han Ama said he agreed to you, if the prince really does something, he won't stop him. You should know about this matter."
Although Minning was in a hurry, it wasn't that she didn't understand. Now the crown prince has not fallen out of favor and is still favored by the emperor, but she has plenty of time, and she will definitely let the crown prince know that it is not a good thing to offend her.
Thinking about it this way, her factory is too conspicuous in the capital, and everything is in the way, so it seems that she has to find another base camp.
After returning to the mansion, Minning sent someone to Zhuangzi in the outskirts to appease Huang Qin. After all, he must have been quite frightened when he was taken to see the emperor.
If something goes wrong, it is too late to regret.
She also counted on this person to actually invent the airplane.
Thinking that using sheepskin to make a hot air balloon is too dangerous, Minning asked Zhuangzi to experiment with other materials.And sent the development plan of the hot air balloon to Lin Yuan.
Within a few days, the silver sent by Zheng Jun arrived in Tianjin.
Because there is no port in the capital, the silver can only be transported to Tianjin.
Minning has also recruited a lot of talents over the years, and someone suggested to her that since the banknotes have not been made, the money should be hidden first.
There are many people in the capital, and it is easy to hide in Tianjin.
Minning readily agreed to this proposal, but it was only temporary, after all, Tianjin was not under her nose, and if something went wrong with the batch of money, it would be beyond her reach.
Anyway, the emperor is about to patrol the river south, and this time he only brought the prince, fourth master, and thirteenth elder brother with him.
As long as the emperor and the prince, the two people who have the deepest control over the capital, are not around, Minning is confident that the money will be transported to the capital by sea.
The only regret was that fourth master had only come back and had to leave a few days later.
Xiao Yuanbao was at the time when he was lively and active. After several months of life where he could only lie down, after crossing the mountain of turning over, he began to lean on the railing of the bed tremblingly, trying to sit up and explore this fresh world.
It's a pity that the fourth master didn't see it. On the second day after he left, Xiao Yuanbao managed to sit up while leaning on the bed rail as if he was looking for Ama.I didn't sit for a long time, and soon fell down again.
The emperor was not in Beijing, and Concubine De was unwell because of the loss of her daughter, so Fujin went to the palace to serve the sick.Minning is left in the mansion again.
It was hot and cold this day, and within a few days, many people in the mansion caught cold and fell ill.
In the afternoon of that day, Yuan Bao lay on the bed and burst into tears.
You must know that this child does not like to cry normally, and is very easy to take care of, but this time when he started crying, the waiters were anxious, could it be that he caught a cold?
Minning picked up his son, touched his forehead, and sure enough, he felt a little hot, so he sent for the imperial physician.
It was Imperial Physician Ye who was invited, and after taking the pulse, Imperial Physician Ye said to Minning, "My brother must have caught a cold, I will prescribe some medicine for him, just drink it."
As soon as Minning heard about taking the medicine, he smiled wryly and said, "Ms. Ye has already prescribed the medicine, but this child can't drink it at all." After drinking it, she spit it out, especially even the milk she drank.
Imperial Physician Ye thought for a while and said: "Wu Fangchen can add some more doses, and it's okay to give it to the grandma. The grandma drinks the medicine two quarters of an hour before feeding, and there will still be a little dose of medicine in the milk at this time."
Minning nodded, she also felt sorry for the state of these sons who couldn't drink the medicine.
Then he asked Imperial Physician Ye, "I wonder if there are any regular pediatric medicines in the Imperial Hospital?"
Imperial Physician Ye nodded, "There are some regular medicinal powders, but the taste of these medicinal powders..."
Minning immediately understood what he meant, and said, "It's okay for people like us to invite a highly skilled imperial physician like Imperial Physician Ye, but it's not good for ordinary people. If you have a headache, you can delay it as soon as you can." , I went to see a doctor when I was really dying, and it is often hard to get back at this time."
Imperial Physician Ye said in a deep voice, "I don't know what side Fujin has in mind?"
"I'd like to ask Imperial Physician Ye to wait a little bit for this." Minning asked someone to take a prescription to make medicine for one of the nurses, about an hour later, Yun Bao finished drinking the milk and fell asleep with tears in his eyes.
Only then did Minning go to see Imperial Physician Ye, "I'm sorry for keeping Imperial Physician Ye waiting." There were not only Imperial Physician Ye, but also Doctor Ye's daughter in the room, and Minning deliberately left the two of them because he had something to say.
"I don't know what the significance of what Ce Fujin said before?"
Minning sat down on the stool next to him, and then said, "Perhaps Doctor Ye also knows that I have some spare money, so he wants to cooperate with Doctor Ye."
"Cooperation?" Imperial Physician Ye looked at the granddaughter next to him, and then asked Minning, "I don't know how Fujin plans to cooperate?"
"As I said before, people are not willing to spend money to see a doctor, so some diseases are easy to treat in the early stage, but they are hard to return because of the long delay, so I hope to make some cheap pills. For example, the weather on a certain day When it was getting colder, I sneezed suddenly and felt a little uncomfortable, so I took pills to prevent colds. For diarrhea, I could take some antidiarrheal medicines, cough, headache, antipyretic and other medicines. I gave these medicines The name is Chinese patent medicine."
"The meaning of this Chinese patent medicine is to make medicines that can treat common diseases of the people into cheap pills. These pills can't be made big, it's better to make granules, and they shouldn't be too expensive. The effect is better. If you feel uncomfortable You can take it. The advantage of this medicine is that unless it is some serious illness, you don’t need to go to the doctor to see a doctor. You can take a few pills and you will be cured. People are not like us. If you are lucky, you are afraid that if you meet a quack doctor, you will be sent away if you delay your life."
Imperial Physician Ye frowned, "If this kind of pill is not suitable for the disease, what should patients do if they take it indiscriminately?"
Minning smiled, and said, "That's why we have to develop medicines for common diseases. This kind of medicine has been tested for thousands of years. It doesn't matter if one or two medicines are not right for the disease. And each medicine must be clearly marked. Under what conditions can it be taken, for example, there are several symptoms of wind and cold, and one symptom is a kind of medicine. When people buy medicine, they can describe their physical condition and take the medicine according to the symptom.”
The imperial physician loosened his brows, "If Chuan Fujin is willing to do it, it would be a great good deed, but I don't know why I have to ask my minister to cooperate."
Minning raised two fingers, "For one thing, the only doctors I know who are highly skilled in Chinese medicine are Imperial Physician Ye and Physician Ye. Second, Imperial Physician Ye, as a family of medicine, must have accumulated a lot of good prescriptions in his hands. I think These are also the prescriptions in it."
"Then please tell me how to cooperate with Fujin."
"It is not difficult to cooperate in the production of Chinese patent medicines. The prescriptions are urgent. At that time, it is possible to open a factory to produce medicines according to the prescriptions. Then open several pharmacies in big cities, not for doctors to sell medicines. It will definitely be imitated when a certain scale is formed. People, this is okay, the next thing is the most important thing. I plan to open a medical school to teach medical skills, and when the medical school expands in the future, I will go to Datian Ting, and people without a medical school diploma cannot practice medicine. "
Imperial Physician Ye shook his head, "That's not acceptable. Most of the people in this world are masters and apprentices, and not all of them are willing to enter that medical school."
Minning said with a smile, "So there is another way. Those who do not graduate from medical school want to get a medical practice certificate, so they can come to the college for examination. After passing the examination, they can also obtain a medical practice certificate, so that they can Avoid quackery."
"Cian Fujin is too idealistic. One college is absolutely impossible to meet the needs of all Qing doctors."
"Instead of satisfying the entire Qing Dynasty, I plan to reform the entire medical system! There are two assessments every spring and autumn, and only those who pass the assessment can practice medicine. Since those quack doctors can't be assessed, they can't practice medicine. At least they can avoid further harming people's lives." Min Ning Stand up and say angrily.
Minning couldn't bear the thought of his own child dying in the future due to a minor illness due to underdeveloped medical skills.The medical conditions in this era are really bad, and even the death rate of royal heirs is frighteningly high.
"My medical school doesn't need to spend half my life to become a generalist. One can only specialize in a certain field, such as orthopedics, pediatrics, gynecology..." When talking about gynecology, I glanced at Dr. Ye.
Doctor Ye's eyes lit up obviously.
"...Wait for many specialties. Nowadays, doctors in the Qing Dynasty have terrible medical ethics, and their medical skills are not very good. They like to shirk..."
Physician Ye coughed uncomfortably, and made excuses. This kind of situation is especially common in the Tai Hospital. There is even a joke among the people that all the quack doctors gather in the Tai Hospital.From here, it can be seen that there are many vegetarian corpses in Taiyuan Hospital.
"This situation is urgent and urgently needs to be corrected. It is as common as cowpox, but no one has thought of using it to fight against smallpox for thousands of years. You must know that the symptoms are similar. Therefore, a research center needs to be developed in the college. Specialize in the research of some rare and difficult diseases. The results of the research will be developed into medicines, and the inventors will be given a certain commission."
"All of these require the help of the people in Xinglin, so I hope that Doctor Ye can help to contact them."
Imperial Physician Ye immediately assured, "I will write to some old friends about this matter."
Minning added, "I hope to choose a place for medical school. That place will be regarded as a holy land of medicine in the future. It is best to grow various medicinal materials around it. After all, students in the future can't even know medicinal materials, so what's the use of learning?" use."
Imperial Physician Ye thought about it, "The climate in Jiangsu and Zhejiang is warm and humid, which is suitable for the growth of most medicines, so you can choose the address there."
Minning directly agreed, "I still need Doctor Ye to take care of me. Now the whole medical system of my Qing Dynasty is in trouble, and because everyone only sweeps the door, many prescriptions that can save the world are hidden. There are many thousand-year-old prescriptions. It’s just lost. It’s a pity when you think about it.”
Imperial Physician Ye said on the spot, "The next family has some ancient books that I would like to donate."
Minning smiled, "That doesn't need to be donated, as long as Imperial Physician Ye is willing to lend it, I need to engrave the contents of those books. When the printed books are sold, I will give Imperial Physician Ye a commission. "
Imperial Physician Ye quickly waved his hand, "That's not necessary."
Minning let out an "oh" and asked back, "Doctor Ye, that's tens of thousands of taels of silver, you really don't want it?"
"Tens of thousands of taels?" Imperial Physician Ye was taken aback, "Why are there so many?"
Minning smiled, "I'll give you a one-time payment once a batch is printed, and after we open a medical school, people in Xinglin will definitely follow suit, and those books will naturally be sold to other medical schools." Then she said: " Please ask those friends if they are willing to earn this money to buy ancient books, as long as they only need the contents of the ancient books."
Imperial Physician Ye agreed and smiled, "There must be someone willing."
Minning smiled, "Again, the matter of the medical school will be done in the next few years. I hope that in the next five years, it will be able to form a certain scale and become a holy place in the hearts of all patients. Ten years later, I will invite the emperor , the medical school will cooperate with the imperial court to assess all doctors in the Qing Dynasty. If you do not get a medical license, you will not be allowed to treat. If you are caught, you will be fined. The holy place of medicine for all doctors, then it is necessary to overcome some difficult and complicated diseases, only in this way can it be valued by the emperor."
Imperial Physician Ye said on the spot, "I have a son, Ye Gui, who is no longer skilled in medicine, and has researched several treatments for difficult and miscellaneous diseases. This matter can be entrusted to him."
Minning nodded, "Then I'll leave it to Doctor Ye this time."
Then he looked at Doctor Ye again, "Doctor Ye, I am so wronged to have you trapped in this world, I hope you can fight for our daughter's family and teach a daughter who is also as good at medicine as you." This world is too harsh on women, I just hope that my daughter’s family can have a chance to be independent. You can recruit students from the private sector, or you can find some children from orphanages in nursing homes.”
"After I have taught a batch of students, I will open a gynecological hospital for you to treat women's diseases. From now on, you will no longer have to hide and walk in the backyard of a wealthy family, and let all women who want to see a doctor do it on their own. Go to the hospital."
Doctor Ye nodded cautiously, took a deep breath and said to Minning, "Thank you, Fujin, I have seen everything you have done, and I know you are a kind person. You let me do it. I will definitely do it for you.”
Minning looked at Imperial Physician Ye again, "As for the Chinese patent medicine, this is a top priority. I will send someone to deal with it later. I will invest 100 million taels of silver in the first batch, and spread the Chinese patent medicine in the Qing Dynasty as soon as possible."
When Imperial Physician Ye heard that he invested so much money, he immediately said: "Don't worry, I will contact my old friend immediately after I go back, and I will definitely collect more prescriptions."
Minning thanked them, and then sent someone to escort the two of them away.
Minning wrote a plan and immediately sent someone to send it to Lin Yuan.
Lin Yuan received a new assignment, and he felt a little headache. This time, he even crossed over to the pharmaceutical industry.
Then I continued to read, and after discovering Chinese patent medicines, I immediately felt that this was a big business opportunity.
Everyone gets sick, and everyone has to take medicine.
If this Chinese patent medicine is made, it will definitely be a big gold mine.
Now that the factory is going to open again, I didn't expect Master An to spend 100 million taels, and what kind of medical school will be opened next, wouldn't the money be rushing?
It seems that the 500 million taels obtained by Zheng Jun will be spent soon.
Lin Yuan had a headache, so he urged someone to get out the bank notes. If he didn't get out the bank, how could the money be enough for his master?
Yuan Bao's body is stronger than ordinary babies. After catching a cold, he took medicine milk and healed up within a few days.
Minning didn't dare to let him swim at this time, so he could only tease him to crawl on the bed, usually not enough to crawl twice, and then collapsed on the bed from exhaustion.
Minning didn't force him, tried his best to tease him to exercise more, and didn't let him sleep too much in the afternoon, gradually the habit of waking up at night was changed.
Later, Minning no longer allowed the nanny to breastfeed him at night, and the child gradually got used to sleeping through the night until dawn, so Minning began to put him to sleep beside her.
The bank note slowly developed a little brow. The kind of paper that is not afraid of water has been made. Although it will not melt after being soaked in water for a long time, it will be affected a little bit.
After Minning received it, he also tested it, and felt that it was very good to reach this level, so he asked how the research on the waterproof pigment over there was going?
The pigments in the Qing Dynasty are rarely waterproof, and even brightly colored clothes may fade after a few washes.
Some craftsmen turned their attention to foreign countries, but there are some Western painting pigments in the capital that are not easy to wash off unless they are washed with oil.
However, the pigments of Western paintings are too thick and smelly, so they are not suitable for use on bank notes.Minning simply asked people to look for it in newspapers.
Probably there must be a brave man under a lot of money. After a few advertisements, people kept going to the newspaper office with paint.
After trying a few recipes, I was satisfied and gave the silver on the spot.
The factory side began to study patterns.
Now that the preparations are in place, Minning separates the place where banknotes are made from the original factory.
Only some people who are worthy of credit and tight-lipped are selected. The jobs of these people are still hanging on the factory side, and they actually work for the bank.
The printed bank notes can be distinguished from the paper at a glance.
And every pattern on it is convex, and you can feel the shape when you touch it. This kind of bank note is better than the other anti-counterfeiting.
There is also a watermark at the bottom. The watermark is the face value of the bank note, which is the same as the modern one and can be seen against the light.
Each one has its own serial number.
It can be said that this bank note is at least 200 years higher than the existing bank notes, and no one can crack it in a short period of time.
By the time it can be cracked, the craftsmanship of the silver ticket has been improved.
Silver bills are only transitional, and Minning also produced small banknotes with existing denominations.
This kind of small banknotes can be exchanged with coins on the market. If the market is unwilling to accept them, they can be exchanged at the bank.This needs to be done slowly, and this kind of banknotes can only be introduced after the common people trust the bank.
After the common people understand that the banknotes are strong, they will abandon the heavy copper coins and use the light banknotes.
The emperor returned to Beijing at the end of October, but he only brought Si Ye back with him.
Minning heard that the prince was left in Dezhou to recuperate, and the thirteenth elder brother was ordered by the emperor to go to Mount Tai to offer sacrifices.It was probably because the other two were too conspicuous, making fourth master extremely low-key.
Fourth master came back as usual, but stayed in the mansion for a long time, like discussing with the customers all day long, Minning was busy with bank affairs all day, so he threw his son to fourth master.
How could fourth master take children, so he could only carry the youngest son to the outer courtyard, and let the eldest son play with his younger brother while meeting the doormen in the study.
The bank has already prepared some unregistered bank notes and passbooks, but when you get busy, these accounts may require a lot of manual checking.
Some accountants who had already been trained followed suit, and each class shared a computer.
There are a large number of literacy classes under Minning's name. There are some special talents in these literacy classes, and these talents will regularly provide some knowledge. For example, the accounting class is one of them.
At first, the accounting class used the abacus to calculate the accounts, otherwise Minning felt that it would be a bit troublesome, so he wanted to use a computer instead.
Originally, I wanted someone to make a hand-operated computer. After all, hand-operated computers took up a long time before electronic computers came out. Unexpectedly, the manufacturing office in the palace had already made it decades ago. The first disk-type hand-cranked computer was made.
It's a pity that the computer became the emperor's private collection and was shelved like other inventions.
Minning invited the people who made the computer over, and rebuilt several computers.
Because of the high cost, one set costs thousands of taels of silver, but it is enough to deal with some complicated accounts.
There are three disk-type hand-cranked computers in total.
Two were placed in the bank, and the other one was sent to the Zhuangzi Research Center to be modified. It would be better to make it more convenient to use, and the cost could be greatly reduced.
At present, the two computers have been able to meet the needs of the bank.
This time there was a news in the newspaper that a Bank of Great Qing had opened in the south of the city.
Originally, everyone was quite curious about what the Bank of Great Qing did?Unexpectedly, Dr. Bao, who was reading the newspaper, suddenly stopped talking.
"Read, why did you stop suddenly?"
Dr. Bao came back to his senses, and looked down apologetically, "A bank is different from a bank. It allows you to deposit a small amount of money. The time deposit will give you a certain amount of interest, and you will be charged a penny for every tael you withdraw..."
The people below all listened attentively.
In general, this means that people will get interest on saving money, but it is not much, but it is safer.
In this day and age, many people hide money even if they have money, but they really never thought of taking it and depositing it in a bank.
After all, the bank's silver not only does not give interest, but also charges handling fees.
Suddenly, a bank with a strange style appeared, which made the common people feel a little uncomfortable, but soon the discussion started again.
No one entered the bank for a few days after it opened, which made the tense banks in the capital laugh out loud.
Fourth Master also heard about this, "What's the use of your bank? Isn't this a loss-making business?"
Minning said: "Most people at this time hide their money, and the money is not in circulation, just like a pool of stagnant water. In fact, the Qing Dynasty did not lack copper coins and silver, but these money were buried underground, and the long-term impact on the entire society Neither is good. I opened a bank and only paid a small amount of interest. I can use the money to invest in other industries, and only a little bit of the money I earn will be distributed to the people. The people will trust me in the bank. After a long time, the entire Qing Dynasty People who are used to depositing money in the bank to earn interest will find that it is a foolish behavior to bury the money in the ground. Lord, the money in the whole Qing Dynasty will be in circulation by then. Once the money circulates, it will promote Business development, business development will drive agricultural development, both business and agriculture are indispensable."
Fourth Master nodded, "You should be more cautious about collecting people's money, and nothing that cannot be exchanged should not happen."
Minning nodded, "Don't worry, there will be a sum of money left in the bank for monthly exchange, and there will be no run on it."
Fourth Master naturally agrees with Minning's ability to make money, and feels that since she promised, she is obviously capable of solving it.
What's more, Khan Ama didn't ask about this matter, so he just pretended he didn't see it.
He asked again, "No one has come to your bank so far, are you sure there will be people willing to deposit money in?"
Minning added, "I have thousands of workers under my command. In the future, everyone's salary will no longer be found in silver, and it will be directly deposited into the passbook. Those workers can go to the bank to get it by themselves. Lord, I want the people in our house to Do the same, don’t worry, you won’t cheat anyone.”
The fourth master shook his head, "Don't bring it to the mansion this time. Most of the people in the mansion are paid by the Ministry of Internal Affairs. Your bank is really as good as you said, and I will report it to Ama Khan. Putting some spare money from the account department in your bank will also generate some interest."
The Ministry of Accounting is a big client, Minning nodded quickly, "Yes, this is naturally possible."
On this day, the bank that has not opened for several days finally welcomed its first customer, a flower girl.
Probably because he was afraid that his savings would be confiscated by his superiors, he came here when he heard that there was a bank here that required him to receive the money.
As soon as she walked in the door, she was attracted by the smooth tiles on the floor. A man in a neat dress in the lobby saw her and stood up and said, "Girl, are you here to save money?"
The woman frowned slightly and nodded, then asked in a low voice, "I want to save money."
The man led her aside, then took a list and handed a quill to the woman.
"Please fill in the information, did you bring the household sticker?"
The woman shook her head, "I don't have a household allowance." She is a lowly citizen without a household allowance.
"That's it..." The man pondered for a while, "We have a passbook with unlimited household registration, but the interest of this kind of passbook is not much."
The woman nodded, "Say, yes." Anyway, she didn't think about asking for interest, but just wanted to find a place to store the money.
The man watched her write down some information, and reminded, "These information must be true, because you will be asked when you want to withdraw money in the future. If the passbook is lost, and you want to make up the passbook, all of these information are missing." Quite a few."
The woman paused for a moment, then said, "Please help me to make another one."
The man went to get another one. After the woman finished filling it out, she was led to the small door next door by the man. Behind the small door was a room similar to a pawn shop.
There was a chair in front of the window, and the man directly told her to sit on the chair and just hand over the paper just now.
Then the man left, and the woman sat by the window and handed the paper in.
Through the glass window, the woman saw a young woman inside who was quickly copying, and then gave her a few pieces of paper for her to sign.
It took a full quarter of an hour for this series of procedures before the woman got a brand new passbook.
She put the passbook in her bosom, feeling a little uneasy, wondering if it was right to hide the money in the bank.
Such a large box of gold and silver was exchanged for a piece of paper. No wonder the woman was a little worried, but she thought that the money for the redemption would be enough. If the money was taken away by her mother, it would have been in vain all these years.
Thinking about it this way, she put her inner worries away, put her hands on her heart when she went out, and looked back at the bank again, waiting for this time next year before taking out the money.
In the afternoon when the woman left, a group of people and carriages came, and after getting off the carriages, they were all young and beautiful girls.
As soon as dozens of girls appeared, they immediately attracted the attention of many people.
And this group of girls didn't look at the rouge powder shop and clothing store next to them, but each took a red booklet and went into the bank.
As soon as he entered the door, he hurriedly shouted at the man in the hall, "We're here to get the money."
The man quickly invited these people to sit on the chairs beside him, then pointed to the small door next to him and said, "Come one by one."
These girls have been in the clothing workshop for a long time, and they are a little cheerful, so they smiled at the man and said, "Brother, if I want to save money, how much interest can I get in a month?"
Since last month, Minning's Zhuangzi's factories and workshops have sent staff from the bank to ask everyone to write a booklet.
In the future, the monthly salary will be directly printed on the book, and no silver will be found.He also talked about the benefits of the bank, and asked these people to go back and think about it, and deposit their family money in the bank.The interest you get every month is a lot, which is better than leaving it at home and being thieves.
Some girls are quite tempted. After all, they have hidden their private money, and it is easy for their family members to take it away at home.
If there is a passbook, if I am not present, the money cannot be withdrawn, and I can save a dowry when I get married.
However, some girls' families only count on her monthly silver to make up for it, so naturally they don't have any silver to deposit in the bank.
But at least some people are eager to move. In this era of patriarchal system, it is not easy to hide private money.
With one more bank that can calculate interest, it will be much easier to hide private money.It is much more convenient to hide a piece of paper than other things, not to mention that even if this piece of paper is lost, it can be replaced with a household sticker.
When this group of girls left, at least half of them did not withdraw money, but transferred their wages into fixed deposits.
The girl's departure also attracted many people to be interested in the bank, and some who did not lack the few taels of silver came to the door.
After leaving, he also took a piece of red paper.
This went on and on for a month, during which many people opened passbooks later, but the money they saved was very little.
Until the first person to eat crabs appeared, this person saved a total of five taels of silver.Settlement based on interest and handling fees, and after withdrawal, there will be thirteen coins in interest.
In fact, it is fourteen coins, mainly because the silver below ten taels requires a fee of one penny.
Minning had learned the calculation of interest in junior high school, so he naturally handed over this method to the bank, and at the beginning of the business, they all offered a high interest rate of 3.5%. After a long time, the interest rate will naturally come down gradually.
That is to say, one tael of silver is deposited in the bank for nearly three pennies in interest for a month, which is still very attractive to many ordinary people.
The common people are very good at accounting, three Wen a month, and 36 Wen a year, which is just saving one tael of silver.
Nowadays, there are many factories in the capital, where they can't find work, and usually a coachman earns more than 30 taels of silver a year.
Among the people who are well-off, who doesn't have dozens of taels of silver hidden under the bed at home?
As long as these dozens of taels of silver are used to save even for a month, there will be an income of tens of hundreds of coins, which is really money making money.
And people also said that copper coins can be exchanged for silver, unlike some money shops, which have to scrape off a layer.
As long as the money is deposited in the bank, he can take out whatever copper or silver he wants, that alone is attractive enough.
"Long live God, someone came to the servant's village to dig people before, but what they dug over signed was not a contract but a contract of sale. Those people came to ask for help when they had nowhere to go. If the Lord Long Live wanted to reward the slave, then let those people recover. personal."
The emperor wondered: "Those people betrayed you, are you not angry and still thinking about them?"
Min Ning said: "It's just that they are poor people who are looking for profit. They are not satisfied with the treatment given by the servants, so they will leave naturally. It's just that some people are deceived because of illiteracy, and they can't help if they don't want to! Zhuangzi has made contributions, and slaves can't let them go."
The third prince on the side was a little uncomfortable, as if he was the one who cheated people with the contract of selling his life.
The emperor glanced at his sons, and then said to Minning, "I will send someone to investigate this matter. If it is true, I will naturally decide for those people."
Min Ning was overjoyed and knelt down to thank him!
When leaving Changchun Garden, Fourth Master was walking in front. His footsteps were so fast that Minning couldn't catch up no matter how hard he followed.
Finally she trotted to grab his hand.
"Father..."
Fourth Master's face was icy, and when he remembered that this person was so courageous in front of Han Ama just now, and dared to make demands, Fourth Master was so angry that he wanted to knock her head open to see what she thought.
Dare to ask Khan Amati, the old birthday star is really impatient to hang himself.
Minning naturally knew why fourth master was angry, so he took his hand and explained, "Master, can you listen to my explanation..."
The fourth master stepped forward, "An Jia, you, you are too courageous!" How dare you sue other brothers in front of Han Ama!
Minning said with a bitter face, "Long Live God asked me what rewards I wanted, and I only thought of this one. I thought that since Long Live God asked me, I would definitely not want to accumulate these achievements. I am afraid that if I don't want these rewards, there will always be some One day will make great achievements!"
The fourth master smiled angrily, stretched out his hand to pinch her mouth, gritted his teeth and said, "You are the one with high merits?"
Minning blinked and nodded.
The fourth master let go of his hand and said, "Is Khan Ama the kind of monarch who hides everything, you think too much." He said the last sentence very without confidence.
The two continued to walk outside, "During this period of time, your business will be handed over to your subordinates, don't take care of it anymore! Since Khan Ama has promised you, he will not let others do anything about your business."
As soon as he reached the gate, he saw the prince walking in hastily.
Fourth master stopped in his tracks and bowed to the prince.
The prince didn't stop, he waved his hand hurriedly, stopped after walking a few steps, and shouted at the fourth master, "Fourth brother, is Khan Ama alright?"
Min Ning hid behind Fourth Master, wondering why the prince came here until now?By the way, it seems that there is still the eldest prince who has not arrived yet.
The fourth master replied respectfully, "It's no big deal to go back to the prince, just take us to watch the flying ball together."
The prince seemed relieved, "It's fine, I don't know who is bold enough to fly in the sky!"
Minning came out from behind the fourth master, "Returning to the prince, it is because the concubine is not strict in discipline, so that my subordinates made a large Kongming lantern, and it flew into the sky without saying a word, disturbing the long live Lord."
The prince narrowed his eyes and glanced at her, just as he was about to say something, a person hurried out from the garden.
"His Royal Highness, Long Live Lord, please go over!"
The prince bowed his head slightly, "This is the end." Then he said to the fourth master, "Fourth brother, you have to discipline this concubine well, don't get too used to getting your nose on your face." He nodded at him again last night Nodding, he hurried away.
Minning felt a fire in his heart on the spot, who is this?
Fourth Master grabbed her hand and pulled her out.
After getting into the carriage, fourth master let her go.
"Don't fool around!"
Minning looked at Fourth Master angrily, "Master, he is clearly taking revenge on me, and he cheated on him before taking revenge on me!"
The fourth master glanced at her, "Since you know, then be more careful. Although Han Ama said he agreed to you, if the prince really does something, he won't stop him. You should know about this matter."
Although Minning was in a hurry, it wasn't that she didn't understand. Now the crown prince has not fallen out of favor and is still favored by the emperor, but she has plenty of time, and she will definitely let the crown prince know that it is not a good thing to offend her.
Thinking about it this way, her factory is too conspicuous in the capital, and everything is in the way, so it seems that she has to find another base camp.
After returning to the mansion, Minning sent someone to Zhuangzi in the outskirts to appease Huang Qin. After all, he must have been quite frightened when he was taken to see the emperor.
If something goes wrong, it is too late to regret.
She also counted on this person to actually invent the airplane.
Thinking that using sheepskin to make a hot air balloon is too dangerous, Minning asked Zhuangzi to experiment with other materials.And sent the development plan of the hot air balloon to Lin Yuan.
Within a few days, the silver sent by Zheng Jun arrived in Tianjin.
Because there is no port in the capital, the silver can only be transported to Tianjin.
Minning has also recruited a lot of talents over the years, and someone suggested to her that since the banknotes have not been made, the money should be hidden first.
There are many people in the capital, and it is easy to hide in Tianjin.
Minning readily agreed to this proposal, but it was only temporary, after all, Tianjin was not under her nose, and if something went wrong with the batch of money, it would be beyond her reach.
Anyway, the emperor is about to patrol the river south, and this time he only brought the prince, fourth master, and thirteenth elder brother with him.
As long as the emperor and the prince, the two people who have the deepest control over the capital, are not around, Minning is confident that the money will be transported to the capital by sea.
The only regret was that fourth master had only come back and had to leave a few days later.
Xiao Yuanbao was at the time when he was lively and active. After several months of life where he could only lie down, after crossing the mountain of turning over, he began to lean on the railing of the bed tremblingly, trying to sit up and explore this fresh world.
It's a pity that the fourth master didn't see it. On the second day after he left, Xiao Yuanbao managed to sit up while leaning on the bed rail as if he was looking for Ama.I didn't sit for a long time, and soon fell down again.
The emperor was not in Beijing, and Concubine De was unwell because of the loss of her daughter, so Fujin went to the palace to serve the sick.Minning is left in the mansion again.
It was hot and cold this day, and within a few days, many people in the mansion caught cold and fell ill.
In the afternoon of that day, Yuan Bao lay on the bed and burst into tears.
You must know that this child does not like to cry normally, and is very easy to take care of, but this time when he started crying, the waiters were anxious, could it be that he caught a cold?
Minning picked up his son, touched his forehead, and sure enough, he felt a little hot, so he sent for the imperial physician.
It was Imperial Physician Ye who was invited, and after taking the pulse, Imperial Physician Ye said to Minning, "My brother must have caught a cold, I will prescribe some medicine for him, just drink it."
As soon as Minning heard about taking the medicine, he smiled wryly and said, "Ms. Ye has already prescribed the medicine, but this child can't drink it at all." After drinking it, she spit it out, especially even the milk she drank.
Imperial Physician Ye thought for a while and said: "Wu Fangchen can add some more doses, and it's okay to give it to the grandma. The grandma drinks the medicine two quarters of an hour before feeding, and there will still be a little dose of medicine in the milk at this time."
Minning nodded, she also felt sorry for the state of these sons who couldn't drink the medicine.
Then he asked Imperial Physician Ye, "I wonder if there are any regular pediatric medicines in the Imperial Hospital?"
Imperial Physician Ye nodded, "There are some regular medicinal powders, but the taste of these medicinal powders..."
Minning immediately understood what he meant, and said, "It's okay for people like us to invite a highly skilled imperial physician like Imperial Physician Ye, but it's not good for ordinary people. If you have a headache, you can delay it as soon as you can." , I went to see a doctor when I was really dying, and it is often hard to get back at this time."
Imperial Physician Ye said in a deep voice, "I don't know what side Fujin has in mind?"
"I'd like to ask Imperial Physician Ye to wait a little bit for this." Minning asked someone to take a prescription to make medicine for one of the nurses, about an hour later, Yun Bao finished drinking the milk and fell asleep with tears in his eyes.
Only then did Minning go to see Imperial Physician Ye, "I'm sorry for keeping Imperial Physician Ye waiting." There were not only Imperial Physician Ye, but also Doctor Ye's daughter in the room, and Minning deliberately left the two of them because he had something to say.
"I don't know what the significance of what Ce Fujin said before?"
Minning sat down on the stool next to him, and then said, "Perhaps Doctor Ye also knows that I have some spare money, so he wants to cooperate with Doctor Ye."
"Cooperation?" Imperial Physician Ye looked at the granddaughter next to him, and then asked Minning, "I don't know how Fujin plans to cooperate?"
"As I said before, people are not willing to spend money to see a doctor, so some diseases are easy to treat in the early stage, but they are hard to return because of the long delay, so I hope to make some cheap pills. For example, the weather on a certain day When it was getting colder, I sneezed suddenly and felt a little uncomfortable, so I took pills to prevent colds. For diarrhea, I could take some antidiarrheal medicines, cough, headache, antipyretic and other medicines. I gave these medicines The name is Chinese patent medicine."
"The meaning of this Chinese patent medicine is to make medicines that can treat common diseases of the people into cheap pills. These pills can't be made big, it's better to make granules, and they shouldn't be too expensive. The effect is better. If you feel uncomfortable You can take it. The advantage of this medicine is that unless it is some serious illness, you don’t need to go to the doctor to see a doctor. You can take a few pills and you will be cured. People are not like us. If you are lucky, you are afraid that if you meet a quack doctor, you will be sent away if you delay your life."
Imperial Physician Ye frowned, "If this kind of pill is not suitable for the disease, what should patients do if they take it indiscriminately?"
Minning smiled, and said, "That's why we have to develop medicines for common diseases. This kind of medicine has been tested for thousands of years. It doesn't matter if one or two medicines are not right for the disease. And each medicine must be clearly marked. Under what conditions can it be taken, for example, there are several symptoms of wind and cold, and one symptom is a kind of medicine. When people buy medicine, they can describe their physical condition and take the medicine according to the symptom.”
The imperial physician loosened his brows, "If Chuan Fujin is willing to do it, it would be a great good deed, but I don't know why I have to ask my minister to cooperate."
Minning raised two fingers, "For one thing, the only doctors I know who are highly skilled in Chinese medicine are Imperial Physician Ye and Physician Ye. Second, Imperial Physician Ye, as a family of medicine, must have accumulated a lot of good prescriptions in his hands. I think These are also the prescriptions in it."
"Then please tell me how to cooperate with Fujin."
"It is not difficult to cooperate in the production of Chinese patent medicines. The prescriptions are urgent. At that time, it is possible to open a factory to produce medicines according to the prescriptions. Then open several pharmacies in big cities, not for doctors to sell medicines. It will definitely be imitated when a certain scale is formed. People, this is okay, the next thing is the most important thing. I plan to open a medical school to teach medical skills, and when the medical school expands in the future, I will go to Datian Ting, and people without a medical school diploma cannot practice medicine. "
Imperial Physician Ye shook his head, "That's not acceptable. Most of the people in this world are masters and apprentices, and not all of them are willing to enter that medical school."
Minning said with a smile, "So there is another way. Those who do not graduate from medical school want to get a medical practice certificate, so they can come to the college for examination. After passing the examination, they can also obtain a medical practice certificate, so that they can Avoid quackery."
"Cian Fujin is too idealistic. One college is absolutely impossible to meet the needs of all Qing doctors."
"Instead of satisfying the entire Qing Dynasty, I plan to reform the entire medical system! There are two assessments every spring and autumn, and only those who pass the assessment can practice medicine. Since those quack doctors can't be assessed, they can't practice medicine. At least they can avoid further harming people's lives." Min Ning Stand up and say angrily.
Minning couldn't bear the thought of his own child dying in the future due to a minor illness due to underdeveloped medical skills.The medical conditions in this era are really bad, and even the death rate of royal heirs is frighteningly high.
"My medical school doesn't need to spend half my life to become a generalist. One can only specialize in a certain field, such as orthopedics, pediatrics, gynecology..." When talking about gynecology, I glanced at Dr. Ye.
Doctor Ye's eyes lit up obviously.
"...Wait for many specialties. Nowadays, doctors in the Qing Dynasty have terrible medical ethics, and their medical skills are not very good. They like to shirk..."
Physician Ye coughed uncomfortably, and made excuses. This kind of situation is especially common in the Tai Hospital. There is even a joke among the people that all the quack doctors gather in the Tai Hospital.From here, it can be seen that there are many vegetarian corpses in Taiyuan Hospital.
"This situation is urgent and urgently needs to be corrected. It is as common as cowpox, but no one has thought of using it to fight against smallpox for thousands of years. You must know that the symptoms are similar. Therefore, a research center needs to be developed in the college. Specialize in the research of some rare and difficult diseases. The results of the research will be developed into medicines, and the inventors will be given a certain commission."
"All of these require the help of the people in Xinglin, so I hope that Doctor Ye can help to contact them."
Imperial Physician Ye immediately assured, "I will write to some old friends about this matter."
Minning added, "I hope to choose a place for medical school. That place will be regarded as a holy land of medicine in the future. It is best to grow various medicinal materials around it. After all, students in the future can't even know medicinal materials, so what's the use of learning?" use."
Imperial Physician Ye thought about it, "The climate in Jiangsu and Zhejiang is warm and humid, which is suitable for the growth of most medicines, so you can choose the address there."
Minning directly agreed, "I still need Doctor Ye to take care of me. Now the whole medical system of my Qing Dynasty is in trouble, and because everyone only sweeps the door, many prescriptions that can save the world are hidden. There are many thousand-year-old prescriptions. It’s just lost. It’s a pity when you think about it.”
Imperial Physician Ye said on the spot, "The next family has some ancient books that I would like to donate."
Minning smiled, "That doesn't need to be donated, as long as Imperial Physician Ye is willing to lend it, I need to engrave the contents of those books. When the printed books are sold, I will give Imperial Physician Ye a commission. "
Imperial Physician Ye quickly waved his hand, "That's not necessary."
Minning let out an "oh" and asked back, "Doctor Ye, that's tens of thousands of taels of silver, you really don't want it?"
"Tens of thousands of taels?" Imperial Physician Ye was taken aback, "Why are there so many?"
Minning smiled, "I'll give you a one-time payment once a batch is printed, and after we open a medical school, people in Xinglin will definitely follow suit, and those books will naturally be sold to other medical schools." Then she said: " Please ask those friends if they are willing to earn this money to buy ancient books, as long as they only need the contents of the ancient books."
Imperial Physician Ye agreed and smiled, "There must be someone willing."
Minning smiled, "Again, the matter of the medical school will be done in the next few years. I hope that in the next five years, it will be able to form a certain scale and become a holy place in the hearts of all patients. Ten years later, I will invite the emperor , the medical school will cooperate with the imperial court to assess all doctors in the Qing Dynasty. If you do not get a medical license, you will not be allowed to treat. If you are caught, you will be fined. The holy place of medicine for all doctors, then it is necessary to overcome some difficult and complicated diseases, only in this way can it be valued by the emperor."
Imperial Physician Ye said on the spot, "I have a son, Ye Gui, who is no longer skilled in medicine, and has researched several treatments for difficult and miscellaneous diseases. This matter can be entrusted to him."
Minning nodded, "Then I'll leave it to Doctor Ye this time."
Then he looked at Doctor Ye again, "Doctor Ye, I am so wronged to have you trapped in this world, I hope you can fight for our daughter's family and teach a daughter who is also as good at medicine as you." This world is too harsh on women, I just hope that my daughter’s family can have a chance to be independent. You can recruit students from the private sector, or you can find some children from orphanages in nursing homes.”
"After I have taught a batch of students, I will open a gynecological hospital for you to treat women's diseases. From now on, you will no longer have to hide and walk in the backyard of a wealthy family, and let all women who want to see a doctor do it on their own. Go to the hospital."
Doctor Ye nodded cautiously, took a deep breath and said to Minning, "Thank you, Fujin, I have seen everything you have done, and I know you are a kind person. You let me do it. I will definitely do it for you.”
Minning looked at Imperial Physician Ye again, "As for the Chinese patent medicine, this is a top priority. I will send someone to deal with it later. I will invest 100 million taels of silver in the first batch, and spread the Chinese patent medicine in the Qing Dynasty as soon as possible."
When Imperial Physician Ye heard that he invested so much money, he immediately said: "Don't worry, I will contact my old friend immediately after I go back, and I will definitely collect more prescriptions."
Minning thanked them, and then sent someone to escort the two of them away.
Minning wrote a plan and immediately sent someone to send it to Lin Yuan.
Lin Yuan received a new assignment, and he felt a little headache. This time, he even crossed over to the pharmaceutical industry.
Then I continued to read, and after discovering Chinese patent medicines, I immediately felt that this was a big business opportunity.
Everyone gets sick, and everyone has to take medicine.
If this Chinese patent medicine is made, it will definitely be a big gold mine.
Now that the factory is going to open again, I didn't expect Master An to spend 100 million taels, and what kind of medical school will be opened next, wouldn't the money be rushing?
It seems that the 500 million taels obtained by Zheng Jun will be spent soon.
Lin Yuan had a headache, so he urged someone to get out the bank notes. If he didn't get out the bank, how could the money be enough for his master?
Yuan Bao's body is stronger than ordinary babies. After catching a cold, he took medicine milk and healed up within a few days.
Minning didn't dare to let him swim at this time, so he could only tease him to crawl on the bed, usually not enough to crawl twice, and then collapsed on the bed from exhaustion.
Minning didn't force him, tried his best to tease him to exercise more, and didn't let him sleep too much in the afternoon, gradually the habit of waking up at night was changed.
Later, Minning no longer allowed the nanny to breastfeed him at night, and the child gradually got used to sleeping through the night until dawn, so Minning began to put him to sleep beside her.
The bank note slowly developed a little brow. The kind of paper that is not afraid of water has been made. Although it will not melt after being soaked in water for a long time, it will be affected a little bit.
After Minning received it, he also tested it, and felt that it was very good to reach this level, so he asked how the research on the waterproof pigment over there was going?
The pigments in the Qing Dynasty are rarely waterproof, and even brightly colored clothes may fade after a few washes.
Some craftsmen turned their attention to foreign countries, but there are some Western painting pigments in the capital that are not easy to wash off unless they are washed with oil.
However, the pigments of Western paintings are too thick and smelly, so they are not suitable for use on bank notes.Minning simply asked people to look for it in newspapers.
Probably there must be a brave man under a lot of money. After a few advertisements, people kept going to the newspaper office with paint.
After trying a few recipes, I was satisfied and gave the silver on the spot.
The factory side began to study patterns.
Now that the preparations are in place, Minning separates the place where banknotes are made from the original factory.
Only some people who are worthy of credit and tight-lipped are selected. The jobs of these people are still hanging on the factory side, and they actually work for the bank.
The printed bank notes can be distinguished from the paper at a glance.
And every pattern on it is convex, and you can feel the shape when you touch it. This kind of bank note is better than the other anti-counterfeiting.
There is also a watermark at the bottom. The watermark is the face value of the bank note, which is the same as the modern one and can be seen against the light.
Each one has its own serial number.
It can be said that this bank note is at least 200 years higher than the existing bank notes, and no one can crack it in a short period of time.
By the time it can be cracked, the craftsmanship of the silver ticket has been improved.
Silver bills are only transitional, and Minning also produced small banknotes with existing denominations.
This kind of small banknotes can be exchanged with coins on the market. If the market is unwilling to accept them, they can be exchanged at the bank.This needs to be done slowly, and this kind of banknotes can only be introduced after the common people trust the bank.
After the common people understand that the banknotes are strong, they will abandon the heavy copper coins and use the light banknotes.
The emperor returned to Beijing at the end of October, but he only brought Si Ye back with him.
Minning heard that the prince was left in Dezhou to recuperate, and the thirteenth elder brother was ordered by the emperor to go to Mount Tai to offer sacrifices.It was probably because the other two were too conspicuous, making fourth master extremely low-key.
Fourth master came back as usual, but stayed in the mansion for a long time, like discussing with the customers all day long, Minning was busy with bank affairs all day, so he threw his son to fourth master.
How could fourth master take children, so he could only carry the youngest son to the outer courtyard, and let the eldest son play with his younger brother while meeting the doormen in the study.
The bank has already prepared some unregistered bank notes and passbooks, but when you get busy, these accounts may require a lot of manual checking.
Some accountants who had already been trained followed suit, and each class shared a computer.
There are a large number of literacy classes under Minning's name. There are some special talents in these literacy classes, and these talents will regularly provide some knowledge. For example, the accounting class is one of them.
At first, the accounting class used the abacus to calculate the accounts, otherwise Minning felt that it would be a bit troublesome, so he wanted to use a computer instead.
Originally, I wanted someone to make a hand-operated computer. After all, hand-operated computers took up a long time before electronic computers came out. Unexpectedly, the manufacturing office in the palace had already made it decades ago. The first disk-type hand-cranked computer was made.
It's a pity that the computer became the emperor's private collection and was shelved like other inventions.
Minning invited the people who made the computer over, and rebuilt several computers.
Because of the high cost, one set costs thousands of taels of silver, but it is enough to deal with some complicated accounts.
There are three disk-type hand-cranked computers in total.
Two were placed in the bank, and the other one was sent to the Zhuangzi Research Center to be modified. It would be better to make it more convenient to use, and the cost could be greatly reduced.
At present, the two computers have been able to meet the needs of the bank.
This time there was a news in the newspaper that a Bank of Great Qing had opened in the south of the city.
Originally, everyone was quite curious about what the Bank of Great Qing did?Unexpectedly, Dr. Bao, who was reading the newspaper, suddenly stopped talking.
"Read, why did you stop suddenly?"
Dr. Bao came back to his senses, and looked down apologetically, "A bank is different from a bank. It allows you to deposit a small amount of money. The time deposit will give you a certain amount of interest, and you will be charged a penny for every tael you withdraw..."
The people below all listened attentively.
In general, this means that people will get interest on saving money, but it is not much, but it is safer.
In this day and age, many people hide money even if they have money, but they really never thought of taking it and depositing it in a bank.
After all, the bank's silver not only does not give interest, but also charges handling fees.
Suddenly, a bank with a strange style appeared, which made the common people feel a little uncomfortable, but soon the discussion started again.
No one entered the bank for a few days after it opened, which made the tense banks in the capital laugh out loud.
Fourth Master also heard about this, "What's the use of your bank? Isn't this a loss-making business?"
Minning said: "Most people at this time hide their money, and the money is not in circulation, just like a pool of stagnant water. In fact, the Qing Dynasty did not lack copper coins and silver, but these money were buried underground, and the long-term impact on the entire society Neither is good. I opened a bank and only paid a small amount of interest. I can use the money to invest in other industries, and only a little bit of the money I earn will be distributed to the people. The people will trust me in the bank. After a long time, the entire Qing Dynasty People who are used to depositing money in the bank to earn interest will find that it is a foolish behavior to bury the money in the ground. Lord, the money in the whole Qing Dynasty will be in circulation by then. Once the money circulates, it will promote Business development, business development will drive agricultural development, both business and agriculture are indispensable."
Fourth Master nodded, "You should be more cautious about collecting people's money, and nothing that cannot be exchanged should not happen."
Minning nodded, "Don't worry, there will be a sum of money left in the bank for monthly exchange, and there will be no run on it."
Fourth Master naturally agrees with Minning's ability to make money, and feels that since she promised, she is obviously capable of solving it.
What's more, Khan Ama didn't ask about this matter, so he just pretended he didn't see it.
He asked again, "No one has come to your bank so far, are you sure there will be people willing to deposit money in?"
Minning added, "I have thousands of workers under my command. In the future, everyone's salary will no longer be found in silver, and it will be directly deposited into the passbook. Those workers can go to the bank to get it by themselves. Lord, I want the people in our house to Do the same, don’t worry, you won’t cheat anyone.”
The fourth master shook his head, "Don't bring it to the mansion this time. Most of the people in the mansion are paid by the Ministry of Internal Affairs. Your bank is really as good as you said, and I will report it to Ama Khan. Putting some spare money from the account department in your bank will also generate some interest."
The Ministry of Accounting is a big client, Minning nodded quickly, "Yes, this is naturally possible."
On this day, the bank that has not opened for several days finally welcomed its first customer, a flower girl.
Probably because he was afraid that his savings would be confiscated by his superiors, he came here when he heard that there was a bank here that required him to receive the money.
As soon as she walked in the door, she was attracted by the smooth tiles on the floor. A man in a neat dress in the lobby saw her and stood up and said, "Girl, are you here to save money?"
The woman frowned slightly and nodded, then asked in a low voice, "I want to save money."
The man led her aside, then took a list and handed a quill to the woman.
"Please fill in the information, did you bring the household sticker?"
The woman shook her head, "I don't have a household allowance." She is a lowly citizen without a household allowance.
"That's it..." The man pondered for a while, "We have a passbook with unlimited household registration, but the interest of this kind of passbook is not much."
The woman nodded, "Say, yes." Anyway, she didn't think about asking for interest, but just wanted to find a place to store the money.
The man watched her write down some information, and reminded, "These information must be true, because you will be asked when you want to withdraw money in the future. If the passbook is lost, and you want to make up the passbook, all of these information are missing." Quite a few."
The woman paused for a moment, then said, "Please help me to make another one."
The man went to get another one. After the woman finished filling it out, she was led to the small door next door by the man. Behind the small door was a room similar to a pawn shop.
There was a chair in front of the window, and the man directly told her to sit on the chair and just hand over the paper just now.
Then the man left, and the woman sat by the window and handed the paper in.
Through the glass window, the woman saw a young woman inside who was quickly copying, and then gave her a few pieces of paper for her to sign.
It took a full quarter of an hour for this series of procedures before the woman got a brand new passbook.
She put the passbook in her bosom, feeling a little uneasy, wondering if it was right to hide the money in the bank.
Such a large box of gold and silver was exchanged for a piece of paper. No wonder the woman was a little worried, but she thought that the money for the redemption would be enough. If the money was taken away by her mother, it would have been in vain all these years.
Thinking about it this way, she put her inner worries away, put her hands on her heart when she went out, and looked back at the bank again, waiting for this time next year before taking out the money.
In the afternoon when the woman left, a group of people and carriages came, and after getting off the carriages, they were all young and beautiful girls.
As soon as dozens of girls appeared, they immediately attracted the attention of many people.
And this group of girls didn't look at the rouge powder shop and clothing store next to them, but each took a red booklet and went into the bank.
As soon as he entered the door, he hurriedly shouted at the man in the hall, "We're here to get the money."
The man quickly invited these people to sit on the chairs beside him, then pointed to the small door next to him and said, "Come one by one."
These girls have been in the clothing workshop for a long time, and they are a little cheerful, so they smiled at the man and said, "Brother, if I want to save money, how much interest can I get in a month?"
Since last month, Minning's Zhuangzi's factories and workshops have sent staff from the bank to ask everyone to write a booklet.
In the future, the monthly salary will be directly printed on the book, and no silver will be found.He also talked about the benefits of the bank, and asked these people to go back and think about it, and deposit their family money in the bank.The interest you get every month is a lot, which is better than leaving it at home and being thieves.
Some girls are quite tempted. After all, they have hidden their private money, and it is easy for their family members to take it away at home.
If there is a passbook, if I am not present, the money cannot be withdrawn, and I can save a dowry when I get married.
However, some girls' families only count on her monthly silver to make up for it, so naturally they don't have any silver to deposit in the bank.
But at least some people are eager to move. In this era of patriarchal system, it is not easy to hide private money.
With one more bank that can calculate interest, it will be much easier to hide private money.It is much more convenient to hide a piece of paper than other things, not to mention that even if this piece of paper is lost, it can be replaced with a household sticker.
When this group of girls left, at least half of them did not withdraw money, but transferred their wages into fixed deposits.
The girl's departure also attracted many people to be interested in the bank, and some who did not lack the few taels of silver came to the door.
After leaving, he also took a piece of red paper.
This went on and on for a month, during which many people opened passbooks later, but the money they saved was very little.
Until the first person to eat crabs appeared, this person saved a total of five taels of silver.Settlement based on interest and handling fees, and after withdrawal, there will be thirteen coins in interest.
In fact, it is fourteen coins, mainly because the silver below ten taels requires a fee of one penny.
Minning had learned the calculation of interest in junior high school, so he naturally handed over this method to the bank, and at the beginning of the business, they all offered a high interest rate of 3.5%. After a long time, the interest rate will naturally come down gradually.
That is to say, one tael of silver is deposited in the bank for nearly three pennies in interest for a month, which is still very attractive to many ordinary people.
The common people are very good at accounting, three Wen a month, and 36 Wen a year, which is just saving one tael of silver.
Nowadays, there are many factories in the capital, where they can't find work, and usually a coachman earns more than 30 taels of silver a year.
Among the people who are well-off, who doesn't have dozens of taels of silver hidden under the bed at home?
As long as these dozens of taels of silver are used to save even for a month, there will be an income of tens of hundreds of coins, which is really money making money.
And people also said that copper coins can be exchanged for silver, unlike some money shops, which have to scrape off a layer.
As long as the money is deposited in the bank, he can take out whatever copper or silver he wants, that alone is attractive enough.
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