Zhao Wei didn’t know that Kublai Khan had such a big heart and wanted to dominate the earth?

He is now in a state of turmoil and is almost driven crazy by the bank.

It’s not that the banking matter is too difficult to deal with and he can’t control it, but that on the contrary, it makes him feel complicated.

Originally, Zhao Wei wanted to copy the bank's functions according to the templates of later generations.

It has storage loans, currency issuance and regulation, as well as a series of financial functions. It can even manipulate currency to attack opponents.

But, he was thinking too much, how could he do this?

That was the financial result summarized by hundreds of years of experience and countless lessons. He didn't know anything about his previous life, and he just wanted to deduce it even if he had read some books in his life. It was simply nonsense.

Therefore, from the withdrawal from the court in November last year to the nearly three months this year, Zhao Wei wasted this unrealistic delusion.

Later, there was no way, so he began to lower his goal and stopped eating a fat man in one bite.

If we can't get a complex bank, then we can create a simple bank that can meet the current needs. Is it okay?

So what are the current needs?

In fact, there are only two things:

First, keep all the Indian servants’ money in Xinya Mountain so that the surrounding Indian tribes can be free of gold and silver.

Second, replace the current chaotic monetary system.

To put it bluntly, there are two functions, "deposit and withdraw" and "issuance of currency".

Strictly speaking, it is just one thing, just deposit and withdraw.

Because the issue of currency issuance, according to the current situation, it is actually a deposit and withdrawal of vouchers instead of currency.

Ordinary people can just go to the market to trade with their passbooks or currency disguised as passbooks.

There are completely different types of passbooks that can be issued, one is "unfixed passbook" and the other is "fixed passbook".

The non-fixed quota is the same as the deposit certificates in later generations. You can save as much as you want, whether it is one tael of gold or one hundred taels of gold, and issue a deposit certificate.

The fixed deposit book is actually a paper currency. The fixed denomination is not allowed to be changed by one invoice or one invoice.

If you save 100 taels, then issue 100 quota notes of one tael? It will facilitate the circulation of the market.

It's that simple? It wasted three months of Zhao Wei's time.

Of course, only deposits and withdrawals? Banks without loans or other businesses? In the later generations, that is the stupid boy? The money-free boy.

Because such banks have no profit points.

Starting a bank, whether it is manual or gold or silver deposit, has a cost. Including attracting people to deposit money in banks, you need to have a deposit interest rate, which means you have to give the people some benefits.

Save one hundred taels? If it lasts for one year? Then when I give it back, it will be more than one hundred taels, and the extra bait is bait.

Otherwise, who would put the money here with you for nothing?

Later banks had loans and other financial businesses. They meant to lend money from the bank and charge higher interest.

To put it bluntly, it is to lend out the silver gathered from the people and make profits for yourself.

Like Zhao Wei imagined, only saving and not lending? It won’t work at any time because no one can afford to pay.

But? It is not a problem to be placed in Fusang Dasong.

Because? There is a lot of money!

Fusang Dasong is now short of everything? But there is no shortage of money.

Tens of millions of taels of gold and silver were sleeping in the treasury, and that little deposit interest was nothing at all, and it was completely affordable.

As for bank promotion, how can people be willing to deposit money? This is not a problem.

There are two main aspects:

First, the matter of giving interest is sufficiently attractive, and this attraction is far beyond the reach of later generations.

Because during the Song Dynasty, there was a situation where gold and silver were stored in third parties.

After all, this is an era of precious metal tokens. Whether it is copper, gold and silver, small transactions are not a problem. A transaction of several cents or dozens of cents of money, even if you pay a copper coin, it is still tolerant.

However, it is not possible to deal with large transactions, thousands of trump cards, or tens of thousands of trump cards.

To do a ten thousand yuan transaction, you need to use copper coins to be about 13 tons, and it will be several hundred kilograms for silver, so you have to pull a cart.

The disadvantages of the bulkiness of metal currency are completely revealed.

Therefore, Liangsong also has business institutions such as money shops, pawn shops, and silver houses to provide storage services to the public.

Save the money here, and use the voucher from the money shop in the silver building to trade. Then the buyer will take the voucher to get it.

Equivalent to early banks.

However, this kind of business is charged.

In other words, when the people deposit money, they not only have no interest, but they have to pay the money for commission.

In the later generations and the bank that Zhao Wei wanted to do, the model of not only not collecting commissions after depositing money, but also looking for money can be called subversive.

It provides convenience to the people and can still make money, who will not save it?

The second advantage of letting people save money is more direct.

Don’t forget that Zhao Wei’s backing was the Song Dynasty court, and he could force the people to save money.

Not to mention anything else, Fusang shipyards, military garrisons, and official institutions, including paying commissions to more than 100,000 Indians.

Just move your fingers, send a passbook for each person, and then tell them that the monthly commission will be automatically placed in the bank and you can just go and get it.

It's that simple.

After understanding these things, Zhao Wei wanted to sack himself.

As long as you deposit and withdraw, it is enough to use it now. Why do I do so many useless things? As for loans and other functions, I will slowly explore and increase them in the future.

Now, just deposit and withdraw, and then calculate an interest rate that is attractive enough without paying too much, causing trouble.

Enough.

Next, build the bank.

Of course, before building it, you have to deal with Chen Yizhong.

This old man has been in the Preparatory Office for three months, and he is even worse than himself and is almost sprouting.

I don’t know what the old man reacted when he saw him, but they had a grudge.

In addition, this time, the old man wanted to eat Zhao Wei.

......

———————

Ministry of Revenue, Department of Preparation.

Mr. Chen's face was a little pale, but it was nothing serious. He hadn't seen any whiteness in the sun for several months.

There was no way, so I sat in the house when I started work in the morning, and someone brought the meal to the house at noon. When I left the Ministry of Revenue at night, it was almost dark.

He was embarrassed not to come, and even more embarrassed to go out and walk around, for fear of being seen and embarrassing.

Together with Lu Xiufu and Jiang Jin, he plotted against King Ning and the Empress Dowager. As a result, both of them were released, but they left him behind.

Mr. Chen has never done such a loss-making business in his life.

What to do when you go out? It makes people laugh?

Not to mention others, even Cao Qingxun, the Minister of the Ministry of Revenue, is hiding now and deliberately avoiding it. It is embarrassing, afraid of meeting Cao Qingxun's eyes.

The great prime minister of the Song Dynasty, who was also considered a pillar of the country who was ordered to be in danger, is now isolated to this position. Mr. Chen is really shameless to see others.

Looking at the table with a thin layer of gray, Mr. Chen hated, "Oh... the tea is cold when people leave, and the tea is cold when people leave!"

"Those little bastards from the Ministry of Revenue have not come to clean for three days. I made this tea myself yesterday. Oh... the tea is cold when I leave!"

Mr. Chen tilted his head, weak, but he was biting his teeth tightly.

"Cao Qingxun, Cao Qingxun, you forgot that I promoted you with one hand! Now that I have followed Su Renzhong all day long, I have completely forgotten my kindness of knowing me?"

"Oh!" sighed, "It's okay if you don't come. Is it okay to send a little boy to clean me and make a tea circumference?"

He looked sad, "It's okay if you don't clean or don't have tea! Can you find someone to talk to me? My upper and lower lips are almost stuck together!"

"well......"

He looked up slowly and said, Mr. Chen had nothing to do and didn't know where to put his hands. He was almost crazy.

In a trance, I saw someone standing at the door, and the old man couldn't see who it was.

However, there is no need to watch it, it is a meal delivery.

In theory, he could also take the opportunity to say a few words to the slutty clerk who delivered the meal to relieve his boredom. However, Cao Qingxun, the bastard, found a mute to deliver food to him.

Mr. Chen is so miserable!

He waved his hand powerlessly, "Let it go..."

"Or don't leave in a hurry and sit with me for a while?"

"Don't talk, just sit for a while."

“…”

Zhao Wei at the door did not move. He was nervous at first, but now he felt even more distressed.

He sucked his teeth and said, "Why did you torture Mr. Chen like this? This is a bad thing. After a while, I found out that it was me, and it would be light to beat him out? As for begging him to do things, wouldn't it be even more difficult?"
To be continued...