What is a bank, Cai Laohan has never heard of it, but since it can be exchanged for money, it is naturally a money bank or something. Pen | fun | pavilion www. ｂｉｑｕｇｅ。 info But there is a handling fee for changing money in the bank, which makes Cai Laohan even more worried, he has not sold a little charcoal, but he has to pay out one after another.

People like Cai Laohan, who have lived most of his life, have never entered the bank, and make money every year, basically just enough to make a living, and have a small surplus, but also to the jar, and then stuff the jar under the bed or in a more secret corner, who will spend that unjust money to ask the bank to keep the money?

But if you don't pay taxes, you can't enter the West Market, and if you can't enter the West Market, you can't trade. It's not that he can't sell it outside, but in this case, if he catches the tax collector and pays taxes and fines, he will lose all his money. The honest Cai Laohan naturally would not take this risk.

Cai Laohan was illiterate, and after asking several people, he finally found what Taiping Bank was, but when he looked at the façade and the momentum, Cai Laohan hesitated. Can you really step into this threshold?

Looking up at the gate, there were two young men in Tsing Yi standing on both sides of the gate, and then looked at the decoration inside, although they could only see a little bit, but it had clearly shown the luxury inside. He looked down at his hands, because he had been burning charcoal for so many years, his hands were so black and shiny, no matter how much he washed them, he couldn't wash them off.

I walked around the door for a long time, but I didn't dare to step into the door.

"This master, are you here to do business at Daming Bank?" A young man in Tsing Yi in front of the door greeted him, his voice was a little sharp, with a smile on his face, his hands clenched into fists, and he arched his hand to Cai Laohan.

"I, I'm ......" Cai Laohan shuddered, he has lived for half his life, and no one has called him yet.

It took me a long time, and he finally remembered what he was here for. "Yes, yes, I'm here to exchange money, and Tax Officer Cai said that you can change it here."

"It turns out that the master is here to exchange banknotes, please please!" The young man in Tsing Yi smiled and stretched out his hand.

"This little brother, may I ask, I want to exchange the money, no, no, no, how much handling fee do I have to pay for the 800 yuan banknote?" Cai Laohan stretched out his hand to grab the little brother in Tsing Yi, and just pulled it, he saw his black hand, and quickly let go.

"You don't have to pay a fee for changing money with us." The young man in Tsing Yi shook his head and said.

"Don't pay? Isn't there a charge for changing money? Cai Laohan was surprised, there is such a good thing?

The young man in Tsing Yi smiled and pointed to Cai Laohan's head: "This lord, we are not a money bank here, we are a Daming Taiping Bank, and we are run by the imperial court, not a private property." ”

"Oh, I see." As soon as Cai Laohan heard that it was run by the imperial court, he was very relieved. After the Ming King ascended the throne, not to mention anything else, the common people still have a lot of benefits, at least they don't have to pay the entrance fee to the city, a lot of the previous taxes and fees are gone, and the days are much better than before.

Welcoming Cai Laohan into the store, the young man in Tsing Yi continued: "This master, in addition to exchanging money, we also provide other money deposit services, if you have extra money, you can also deposit it in our Taiping Bank." ”

"If you save money, you have to pay a storage fee, how can we have money to save? Besides, I can't bear to pay this storage fee! Cai Laohan waved his hand again and again.

"Our Taiping Bank is not like this, you deposit money with us, you don't need to pay a custodian fee, on the contrary, we also give you interest money!" The young man in Tsing Yi explained with a smile.

"Pay back the interest money?" Cai Lao Han Daqi.

"Of course. If you have a hundred taels of silver, if you keep it with us for a year, you will have five taels of interest, and if you save it for half a year, you will have three taels of interest, and if you want to take it at any time, then you will only have one tael. Let me tell you this, the longer you save, the higher the interest we will pay. The young man in Tsing Yi said: "In short, it is still very cost-effective, you come to exchange money today to pay taxes, pay taxes now, half of the banknotes and other money, you will exchange 800 paper money at a time, then your turnover is still very large!" Instead of leaving the silver at home to grow bad luck, it is better to save it with us and let him give birth! ”

Cai Laohan was a little moved, one hundred taels of silver, five taels of interest a year! My son has sent dozens of taels of silver home for most of the past six months, and together with his savings in previous years, there are really a hundred taels, and now he is hiding under his bed. What about five taels of silver a year, how much can you earn after a year of hard work?

While speaking, in the counter, a few fluttering rectangular pieces of paper had been handed out, and the young man in Tsing Yi took it first, and then presented it to Cai Laohan with both hands, "This is 800 yuan, you have collected it." ”

The paper in his hand was green, Cai Laohan held it in his hand, but he was a little confused, he didn't have the 800 yuan to take it in, so he changed these pieces of paper?

"Is this money?" He looked at the young man in Tsing Yi and asked.

"Of course." The young man in Tsing Yi said with a smile: "This is issued by the imperial court, in the future, everyone will use this money, the copper coin is too heavy, it is not very convenient, you see, the eight hundred copper coins just now, it's quite heavy, isn't it?" Who of us, the common people, has silver in his hand at any time, don't you say? Go to the street to buy something, and still carry a heavy copper coin, so is it convenient? ”

That's right, but Cai Laohan has never seen this kind of thing in his life, although he has never owned a silver ticket, but he has also seen it, this thing in his hand looks more beautiful than a silver ticket, he pulled it with his hand, it is quite strong, and when he touches it, it is smooth and slippery, like paper, but not paper.

I had some doubts in my heart, but Cai Shuiding said that half of the tax must be paid with this, and it is not a lie to think about it, so Cai Shuiding is an official!

Holding the banknote, he walked out, but the young man in Tsing Yi walked in with a small bag wrapped in red paper, "Wait a minute, this is a gift from our Taiping Bank." ”

"In exchange for some money, how can there be a gift?" Cai Laohan was amazed.

"This lord, our Taiping Bank has only officially opened today, and you are the first guest at the counter of our Taiping Bank West Market, there is a rule on it, within the first month, the first ten guests every day will be given a gift!" The young man in Tsing Yi smiled and stuffed the red envelope to Cai Laohan.

"W-what is this?" Holding the red envelope, Cai Laohan asked.

"A little care, it's not worth much, isn't this New Year? A piece of bacon, a piece of preserved fish, half a catty of millet. The young man in Tsing Yi smiled and sent the old man to the door, "Go slowly, if you have spare money and don't need it for the time being, remember to deposit it in our Taiping Bank, there is interest." ”

Cai Laohan held the red envelope in one hand, and tightly held the fluttering pieces of paper in the other, and his steps were a little vain, he had seen those people in Qianzhuang before, he had all eyes on his forehead, he was a farmer, when had he been so respected? This Taiping Bank looks very good, it was opened by the imperial court, and the guys are so polite, no handling fee for changing money, and giving gifts upside down, do you really have to consider saving money here? There are five taels of silver a year, if you save for two more years, is it more than five taels a year, didn't the young man in Tsing Yi say, the longer you save, the higher the interest? The son went to the army, and the money was originally saved for him to ask for a wife, and it was not very reassuring to put it at home, and he was worried that people would steal it.

Thinking about his thoughts, he walked all the way back to the gate of the West Market, there were already a lot of people who came to sell things in front of the workshop, Cai Shuiding was explaining to people there, Cai Laohan walked over, handed seven 100 Wen and 5 10 Wen banknotes to Cai Shuiding, and counted 750 copper coins, totaling 125 tax money.

"Everyone is optimistic, this is paper money, and half of the tax money that everyone has to pay, no matter how much, must be paid with this banknote." Cai Shuiding shook the banknote in his hand and said loudly. "If you don't have it in your hands, you will hurry up to the Taiping Bank to change, hurry up, so as not to delay everyone's business, and don't surround me here, this is an order from above, I just follow the order."

Listening to Cai Shuiding's words, Cai Laohan looked at the five ten-wen banknotes left in his hand, and carefully put them into his arms, not to mention, fifty copper coins are still a little pound-and-two, but these five pieces of paper are as light as nothing when they are placed on his body.

He leaned over and picked up the rope, put it on his body, led the old cow with one hand, and held the handlebar with the other, and shouted while walking inside: "Let's go, the first ten, Taiping Bank will send something, there is a piece of meat, a piece of fish, and a pound of millet!" ”

As soon as Cai Laohan's voice fell, there was a commotion, and the people around him had already swept over like the wind.

Qin Feng, who was dressed in civilian clothes, accompanied by Wang Yueyao, stood not far from the Xishi Taiping Bank, watching groups of people walk in, and watching groups of people walk out with banknotes.

"This method is good, the paper money exchanged, just paying taxes is always not used up, in the hand, you have to spend it, as long as you spend it, then it will start to circulate, it is difficult to start, but as long as it takes a long time, everyone will get used to it." Qin Feng looked at the endless stream of people and said.

"Your Majesty is right." Wang Yueyao nodded, "The important thing is to build confidence in this banknote in everyone's hearts, and everything will be easy to do, and the Commercial Department will vigorously promote it in this regard." ”

"Well, by the way, the few people who welcome customers in this bank are very good, no matter who they are, they are polite and smiling! How long have you been training? Qin Feng asked with a smile.

"You haven't trained much, Your Majesty, have you forgotten that you didn't lay off a large number of eunuchs? These are some of them, and they are trained in etiquette in the palace itself, so we don't need to bother. Wang Yueyao said: "It would be more appropriate for them to come and welcome guests and do some service work." ”

"Make the best use of people, you will use people." Qin Feng Dao.

"These people are physically crippled and have low self-esteem in their hearts, if they just leave it alone, maybe what will happen to them! The Commercial Department has tried its best to arrange for them, and some of them have already begun to learn some professional skills so that they can support themselves in the future. ”

"Okay, okay." Qin Feng said appreciatively: "You can be regarded as sharing your worries for the imperial court, the Taiping Bank in this West Market seems to be good, let's go to another place to take a look, the decree on the issuance of new currency has been almost ten days, let's go and see, is it useless for everyone?" ”