Lin Weiye thought for a while: "It seems to be like this. Pen "Fun" Pavilion www.biquge.info: But why is there such a difference? I always thought that the money bank was the original version of the bank in ancient times. ”

"One of the main businesses of the Ming Dynasty's money village - called the ticket number in the north - is to provide merchants with foreign exchange services, because the transportation is inconvenient in ancient times, and it is used as the circulation currency of precious metals such as gold and silver, so it is very inconvenient to run around with silver in a business. And Qian Zhuang solves the problem of inconvenience for merchants to carry silver through the semicolon of various places, so he has to charge a service fee. ”

Lin Weiye nodded: "So instead of interest, you have to charge it." ”

"Banks are the exact opposite. It tries to attract the people's money to the past, and uses the people's money to invest, and the profit obtained is much higher than this little service fee, so it gives interest to the depositors, so that the people are willing to deposit their money in the bank. ”

Lin Weiye thought thoughtfully: "I seem to understand your thinking a little." ”

"Let me give you another fact: after the rich people of the Ming Dynasty had money, they rarely used it for financial investment, either buying land or pouring silver ingots into whole pieces and hiding them in cellars - to prevent theft. Huge wealth has always been hidden in a place where the light of day has always been hidden, resulting in the Ming Dynasty having the largest reserves of silver in the world today but not being able to circulate, what a great waste of this? ”

Lin Weiye felt that he seemed to understand a little, but he didn't seem to understand: "And then, what is the inevitable connection between this and your opening a bank?"

"Listen to me first. My initial idea was to streamline and abolish the branches in various parts of Qianzhuang, and only open outlets in big cities like Guangzhou, so as to attract rich people to deposit the silver hidden in the cellars with interest. In the future, when our power expands, we can gradually build outlets in cities like Beijing and Nanjing, and gradually gather the wealth in the hands of a few powerful and rich people to do what we want to do. Xia Nan explained, "It is said that the truth is within the range of artillery, and concentrating resources in the big cities in our sphere of influence can largely avoid the extortion and exploitation of officials, and the security problems you mentioned can basically be solved." ”

"Okay, even if you solve the security problem, how do you make a profit, and what do you use to pay interest? Investing in industry? ”

Xia Nan smiled: "Where did the Ming Dynasty come from to invest in physical enterprises?" However, there are some industries that are profitable, such as maritime trade, Murong Longcheng said that the raw silk from Jiangnan is sold to Japan, and it is five times the profit when it changes hands. However, the raw silk industry is extremely expensive, and it is not enough for me to raise the Qiongzhou camp just by selling cotton cloth and shochu, so how can I have the capital to meddle in the raw silk business? But if I use high interest rates as bait to raise a huge amount of money to invest in, monopolize the supply of raw silk in Hangzhou and Suzhou, resell it to Japan, and make astronomical profits, and only need to pay some interest, is it very cost-effective? ”

"Raising capital, high interest, investment...... Why does it sound so familiar? Lin Weiye thought about it for a long time, and finally figured it out, "Nima, isn't this illegal fundraising?" Where's the bank? ”

Xia Nan smiled happily: "From beginning to end, did I say that I want to open a bank?" After saying that, he added, "At least not the kind of modern bank you imagined." ”

"However, illegal fundraising does not seem to be a good thing......," Mr. Lin said worriedly.

Xia Nan sighed: "You don't know how to be flexible. In our time and space, entering the financial industry requires state approval, and the private sector raises funds with high interest or returns, and moves the cheese of the bank, which is prohibited by law, so it is called illegal fundraising, and the accurate name is illegal absorption of public deposits. Is there a state-licensed financial industry in this time and space? I raise funds openly, who is in the way, and who is qualified to control me? ”

Lin Weiye was embarrassed, it seems that this is the case, the same behavior is different in different historical time and space.

"So, aren't you going to open a bank?"

"The same cannot be said. When I can control the whole country, I can set up a central bank and issue coinage or even paper money to replace the bulky silver. However, this is a matter of the future, and it is imperative to use the bank to raise funds for now. ”

After Xia Nan's mind was opened, Lin Weiye couldn't help but look forward to it: "If it is really like what you said, we can control a huge amount of money, wouldn't we be able to do a lot of things that we couldn't do before?" For example, the expansion of the shipyard, the construction of 2,000 or even 3,000-ton battleships, three-story gun decks, equipped with a hundred cannons - because the cost is too high, I didn't dare to mention it to you before - build a dozen or twenty fucking ships, form a huge fleet, in the 17th century, completely invincible in the world's seas...... I'm rubbing, it's exciting to think about! ”

"Wait......" Xia Nan interrupted Lin Weiye's fantasy a little speechlessly, "When we have the power of the entire country, we may be able to do this, and gather the strength of the whole country to build a fleet to conquer the world, but—I have to regret to remind you that even if we succeed in financing now, it cannot be used for pure consumption expenditures, we must use it to invest in profitable industries in order to pay high interest." Otherwise, it will be a fraud, no different from absconding with money, in the legal terminology of the old time and space, this is called fund-raising fraud, with the purpose of illegal possession, which is essentially different from absorbing public deposits. ”

Lin Weiye scratched the back of his head and said embarrassedly: "A little yy, hehe." I also know it's unlikely. So, when are you going to renovate the bank? ”

"It's not so fast, first integrate the Hongtu Money Bank, and cut the semicolons in various places."

On the second day, Xia Nan took Liu Quan and Zhang Mingli and came to Gaofu. Although Liu and Zhang are also laymen in the Qianzhuang industry, their experience in business is much richer than that of Dong Mingjue, a little girl, and they leave everything to a sixteen-year-old girl, even if it is a transition, Xia Nan feels at ease.

When I came to Gaofu yesterday, it was full of messes, and after stepping into the gate again today, from the front yard to the flower hall, and then to the backyard, it was cleaned up, and I couldn't see that this house had undergone a big change yesterday.

As if knowing that Xia Nan would come at this point, Dong Mingjue stood in the backyard and waited, behind him was his mother Aunt Jiang and a few rough girls and miscellaneous servants.

After seeing Xia Nan and his party, led by Dong Mingjue, these people all knelt down in unison and shouted respectfully: "Welcome master!" ”

Xia Nan also understood that the reason why he changed his title from adult to lord was because the relationship between the two parties had changed, yesterday he was the military general who raided the family, and today he is their owner. )

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