It’s not because the people from the Duke of England and Duke of Cheng Guo’s Mansion are cowardly. It’s really the little tune that Yang Shaofeng hums in his mouth is so scary.

The so-called three-shot cannon sound has a long history. It either kills people or has some soldiers. In addition, the cavalry and Jinyiwei on the street below the Zuixian Tower, whoever is strong will be on the top of the iron!

Mr. Hou Tang once said that if you keep the green mountains there, you will not be afraid of burning firewood.

In fact, the shopkeepers of the Duke of England and Duke of Chengguo were not really in mind, and the shopkeepers of the Duke of other Dukes and Dukes were not stupid.

For the top hereditary dukes of the Ming Dynasty, such as the Duke of the British Mansion and Duke of Chengguo Mansion, if Zhu Laosi is happy, if there is more silver, there is another egg for it? If Zhu Laosi is unhappy, then there is another egg for it for it if there is more silver.

For other shopkeepers, what is the use of being a crazy person like Yang Dianmai, except to leave his life in the border city? It would be better to listen to his arrangements honestly and wait until he returns to think about it slowly.

Seeing that these people were so informed and tactful, Yang Shaofeng followed the principle of respecting me and respecting me one foot, and returned to his seat and smiled and said, "Come on, everyone have another drink!"

After everyone drank the wine in the cup, Yang Shaofeng continued: "Since everyone is willing to support Yang's decision, Yang is not an unreasonable person, so there are some things that I am willing to tell you in advance."

Zhang Renjie bowed and said, "Prince Zhuang Yuan, please tell me, I'm so kind!"

Yang Shaofeng smiled and pointed to the wash basin behind Zhang Renjie and said, "Then you have to wash your ears first. What Yang wants to say next is good news!"

After Yang Shaofeng said this, Zhang Renjie, who was vaguely unhappy in his heart, didn't feel embarrassed anymore, so he simply got up and walked a few steps, washed his ears honestly before coming back to sit down, bowed to Yang Shaofeng, "Zhuangyuan Gong?"

Yang Shaofeng glanced at the other dozen shopkeepers, and suddenly laughed, but didn't speak.

When the other shopkeepers saw Yang Shaofeng's behavior, they were furious but had no courage to turn against each other. They had to line up to wash their ears. It was too bullying!

After waiting for more than a dozen other shopkeepers to come back after washing their ears, Yang Shaofeng said with a smile: "Our city is located outside the Great Wall. It is still a distance from Wanquandusi, let alone the difference from your homes.

However, the bank in our border city is actually just a third-level branch. Shuntian Prefecture has a second-level branch, while Beijing City has a first-level branch.

If nothing unexpected happens, the bank will slowly spread to the entire Ming Dynasty. In the future, there will be a second-level branch or third-level branch in each prefecture.

In other words, everyone exchanged silver for treasure banknotes in the border city. When they arrived at Shuntian Mansion, they could exchange treasure banknotes for silver. There would be no fire consumption, and there would be no messy fees."

After getting up again and walking for a few steps, Yang Shaofeng continued: "Of course, if it's just this news, it's not worth washing your ears specifically. However, what I said next is a real benefit."

Seeing that everyone was looking at him carefully, Yang Shaofeng continued, "First of all, it is to borrow.

I know some commercial matters and sometimes people will encounter situations where they need to transfer bank loans for two times. However, if they are lending, can they be dismantled and how much interest is for lending? This is a big problem."

Pointing to Zhang Renjie, Yang Shaofeng smiled and said, "For example, Mr. Zhang thinks that business is good this year and wants to expand it next year, but the capital in his hand is not good, so he wants to borrow thousands of taels of silver from Mr. Zhu of Duke Cheng's mansion.

Let’s not talk about whether Mr. Zhu from Cheng Duke’s Mansion can give this money, nor do we talk about the favors that Mr. Zhang needs to pay in. Just the interest between borrowing each other, Mr. Zhang will feel distressed, right?

But now, Mr. Zhang can rely on his previous years' record books and land deeds to borrow money from the bank. I think that the Ming Dynasty may not be able to find a person richer than the bank. After all, this is the industry of the royal family and the court, and who in the world dares to say that he has more money than the national treasury and the treasury?

As for the interest rates that everyone is concerned about, I can reveal one thing now, that is, the interest rates are definitely much lower than those of private lending.

In addition, if you have extra money, don’t bury it in the cellars and pigpens in the future. How good is it to deposit it in the bank? Don’t worry about the stinking of the money, and you can get interest."

Zhang Renjie shook his head and said, "Don't fool me, I have always had to save money in the money shop and charge storage fees. Have you ever heard of paying interest?"

Yang Shaofeng laughed and said, "Didn't you just hear about this? Because our bank is different from a money bank. It not only absorbs money, but also lends money, and the interest on lending happens to be a little higher than the deposit."

After Yang Shaofeng said this, Zhang Renjie and others understood.

Co-organized the bank just took the deposits it was sucked and then lended. He didn't spend a penny inside and outside. In the end, he could still have some more money left unless there were more people who deposited than the loans he released, otherwise the bank would have no chance of losing money at all!

As for the fewer people who deposit money than lending money, there is no need to even think about this situation.

Because how much money can the depositor save? Ordinary mud legs don’t have much money. Even if they want to support the emperor, they probably don’t have much money, but there are definitely not many people who need to borrow bonuses.

What’s even more cheating is that it’s okay to not pay back the money you owe others, but this bank has the emperor’s treasury and the state treasury. Who dares not pay back the money you owe him? It’s a matter of relying on taxes!

Seeing that the shopkeepers were full of contemplative expressions, Yang Shaofeng went back to his seat, raised his wine glass again, and smiled: "In addition, after the bank has been released, the money saved in the border city can be withdrawn from the capital. Whether you want to withdraw cash or treasure banknotes, you will choose as you wish."

Seeing that Yang Shaofeng mentioned the cash currency again, Zhang Renjie bowed to Yang Shaofeng and said, "I'm not wasted today. Thank you for the 1st year for telling me such good news.

I am here to express my opinion to the top scholar. Before the end of the year, no one of us will go to run to cash out the silver shops, otherwise we will roll the bed and leave the border city by ourselves!”

...

Just after returning to the backyard of the Tijuan Department, Yang Shaofeng was shown in the face and made an appointment system in advance by Li Juanxiu. It would be fine if he wanted to create a quota system.

Looking at Yang Shaofeng's confused look, Zhu Zhanji couldn't help but feel relieved and smiled, "How about it, is President Li's method feasible?"

Yang Shaofeng rolled his eyes and said, "It's feasible, it's so feasible. If you use two tricks of limit plus reservations, even if someone wants to come and run the bank, there's no way."

Zhu Zhanji suddenly said seriously: "When you talk about someone who wants to come and run, I remembered it. The number of people who came to exchange cash in the past two days was obviously abnormal. I have asked someone to check it out, and I guess there will be news in a few days."

"Haha," Yang Shaofeng laughed and said, "Single limits, large reservations and upper limits have been created. What else can I check if I don't check? And you can think of it with your heels, who has the courage to make trouble at this time."

After Yang Shaofeng said this, Zhu Zhanji's face immediately became dark and he said in a deep voice: "He is so brave! Do you really think no one dares to punish him?!"

"Who will punish them? You? Or me?"

Yang Shaofeng shook his head and continued, "He is now accurate and we can't deal with them, so he dares to come and make things difficult for me so unscrupulously. As for complaining to Your Majesty, don't you think this idea is actually very naive?"

Zhu Zhanji said: "What are you going to do?"

Yang Shaofeng laughed and said, "He also has a shop here. Since he has killed one last time, if he dares to cause trouble for me this time, I don't mind killing another one.

Of course, this method of fighting and killing is also a bit lower, and it is not suitable for civilized people like me, so I have prepared other methods."

Zhu Zhanji said curiously: "What method?"

Yang Shaofeng sneered, but ignored Zhu Zhanji, and instead said to Wu Ming directly: "Start tomorrow, take people to his shop to check.

Tomorrow, check his account books to see if there are any tax evasions. The day after tomorrow, check whether the firefighting of his shop is qualified, whether the fire-proof water jars and sandbags are prepared, and check whether the hygiene of his shop is qualified and whether the garbage is transported well.

In short, check tomorrow, the day after tomorrow, and check every day, to ensure that every customer who goes to his shop can feel at ease and to build his shop into a benchmark for all shops in the city here!”

Zhu Zhanji raised his thumb and said, "You are cruel! You are planning to keep his shop from running!"

Yang Shaofeng sneered: "If he dares to make trouble for me, I won't make trouble for him? Instead of complaining to His Majesty, it's better to let him get out of the city here. By the way, except for those who are here to make trouble, how about the rest exchange?"

Zhu Zhanji said: "There are more people who change copper plates than those who change silver, or there are not many people who change silver at all. But I am worried that if I continue like this, the copper plates may not be enough."

Yang Shaofeng said disrespectfully: "If the copper plate is not enough, adjust it from another place. At worst, let Li Juan go to find Mr. Xia and exchange it for tens of thousands of taels of silver."

Zhu Zhanji nodded and said, "Let's not talk about the copper coins anymore. How are you talking to those people today?"

Yang Shaofeng said: "It was very satisfying to agree, but who can guarantee what happened next? But it doesn't matter. After the shop in the Daiwang Mansion closed, these people must know what to do.

By the way, this is not enough. I plan to get some gold and silver, and then make it into a sea of ​​gold and silver, and put it in front of the tutoring department for people to see.”
Chapter completed!