The bank's lending and deposit business was opened on the same day, and notices were posted everywhere in Beijing so that more people could know. This news also caused a huge sensation, especially for some business people, which was even more shocking.

People who do business will inevitably encounter some situations where capital turnover is not available. In this case, they can only borrow money. There are generally only two situations for borrowing money. One is to borrow money from their own relatives and friends. This is also the reason why businessmen care so much about relationships. After all, no one knows when they will use the other party?

However, sometimes everyone is short of money, and they may not be able to borrow money from relatives and friends. At this time, the second method is to borrow money from a money house. However, the interest rate for lending by the money house is extremely high. Even if the borrowing time is not long, a considerable amount of interest is required. Therefore, few people will borrow money from the money house unless they have to.

But unexpectedly, banks have also started lending now, and the interest rate for lending is extremely low, and the interest rate for a year is less than a cent. You should know that even if they used to borrow money from relatives and friends, they paid more than a cent of interest every year. It can be said that banks lend at such a low interest rate, which is like doing charity in their opinion.

The reason why Li Jie set such a low interest was of course not for charity, but for banks and private money banks. Money banks lend mainly to make money, so the higher the interest, the better, but banks are official institutions. Lending is not just for making money, but also to promote the development of business. Therefore, the interest cannot be set too high, and the interest rate of one cent is actually not low. The interest rate for later generations is only about 5% a year.

In addition to lending, the deposit business has also attracted the attention of many people, especially those rich people. In order to hide money, their families need to have special warehouses. However, even so, it is still impossible to avoid the covetousness of flying thieves. Some wealthy landlords living outside the city may attract the attention of some bandits. At that time, they will not only lose money, but also lose their lives.

Therefore, for collectors, many rich people have tried their best. For example, some people dug a shaded cellar at home, even bury the cash box underground, and some people directly exchange the money for silver, and then merge the silver into a large silver dollar. The smallest one is hundreds of kilograms. Most people can't move it at all, so they are naturally not afraid of being stolen.

Of course, some people think that the house is unsafe, so they can only send the money to the money house for storage. After all, the money house's warehouse is safer, and even if it is stolen, the money house will bear the losses. Of course, this also has certain dangers, that is, if the money house does not pay credit or goes bankrupt directly, the money inside will be in danger of being unable to withdraw.

But now they have a new choice, that is, the bank. Everyone knows that the bank is run by the government, and over the past month, they have also seen the strong financial resources behind the bank. The most important thing is that in the past, they had to pay a considerable storage fee every year when they deposited their money in the bank, but now they deposited it in the bank for free, which is simply incredible.

Perhaps the lending and deposit business was too favorable, which scared many people. So at the beginning, no one came to do this business for several days. However, on the fifth day, there were finally some merchants who couldn't help but come to borrow.

The first one to borrow was a timber merchant who used two shops in North City as collateral and borrowed 1,000 tanzh of copper coins. After verifying the land and housing deeds of the two shops, the bank also issued a loan very happily.

It is worth mentioning that Li Jie checked the timber merchant afterwards and found that the reason why he was short of money was mainly because he had accumulated a large amount of wood and was preparing to make a lot of money when building Beijing City. However, he did not expect that after the cement came out, the demand for wood was greatly reduced, which caused him to lose a lot of money, and even had problems with business turnover.

However, no matter what the reason, after the timber merchant successfully obtained the money, the interest on the contract was indeed very low. The news immediately spread in the circle of merchants. Soon someone went to the bank to borrow money. It turned out that the bank's loan was not only low, but also very convenient and fast, which was much better than the money bank.

Under this situation, more and more people come to the bank to apply for loans, and there is also a situation where these people are willing to accept new treasure banknotes instead of copper coins when applying for loans. This is a good phenomenon, indicating that merchants have begun to automatically accept treasure banknotes.

In fact, this situation is normal. Baochao is easier to carry than copper coins and is more suitable for transactions between businesses. Before, it was just out of doubt about Baochao's credit, so merchants were unwilling to hold Baochao. Now that Baochao's credit has been established, merchants who have experienced the benefits of Baochao are naturally willing to use it.

Compared with lending business, deposit business is developing slowly. After all, borrowing money from others is completely different from handing over your own money to others. Although banks have established a certain amount of credit, the time is still too short, and many people are uneasy to hand over the money to the bank for safekeeping.

Li Jie could only use some means to do this. At the beginning, he told Zhu Biao to order the officials to deposit the money from his family into the bank, and he took the lead in depositing the private wealth of the East Palace into the bank. In this way, the officials had no choice but to save some money even if it was symbolic.

But these were not enough. Li Jie secretly hired someone to act, carried out the property from the bank, walked around the street and sent it to the bank to pretend to save money. Anyway, others couldn't tell the difference between real and fake.

People have the mentality of following the crowd. After seeing someone start to deposit money in the bank, especially the prince takes the lead in depositing money in the bank, some people finally give up their guard. At first, they just deposited a small amount of money and took it out for a few days. The main purpose is to test the security of the bank. Later, after finding out that there is no problem, some people finally began to save money with confidence.

At this moment, Li Jie also struck while the iron was hot and released another news. Taijin has opened a bank branch, and banks in both places can realize deposits and withdrawals in other places. In other words, if you deposit money in a bank in Beijing, you can withdraw the money from the branch in Taijin.

Never underestimate this move. For the ancients, the transfer of money required great risks. After all, in ancient times, not only were the transportation inconvenient, but the roads were not smooth. Even hiring a special escort agency was also dangerous. When Luo Guanzhong returned to Suzhou with a large amount of money, he still asked Li Jie to help send a few guards to dare to get on the road.

Even if the new treasure money is easy to carry now, there are still great risks when going out. However, now banks can deposit and withdraw from other places, which can avoid most of the dangers, so that merchants do not have to bring money on the road. Of course, Taijin is very close to Beijing now, but they still have great opinions because no one knows whether the bank will open branches to other cities?

"Brother-in-law, within one month, we released a total of 1,067,000 guan and received 873,000 guan. In addition to the more than 70,000 guan deposits from our uncle and officials, most of them were deposited by businessmen in Beijing. In addition, the short-term loans released at the beginning of the month will be recovered soon, and then we may be able to reach a balance of income and expenditure!" Zhu Xueqing took the account book and reported to Li Jiehui.

"It's not bad. It's not easy to achieve this in just one month!" Li Jie said with emotion. He and Zhu Xueqing were both worried about the bank's affairs this month. Not to mention anything else, Zhu Xueqing in front of him was thinner than before, and her face was a little haggard.

"Brother-in-law, don't be too happy too early. After the bank's credit is established, more people may deposit money in the first month, but it will definitely drop in the second month. After all, no one will have so much money to deposit in." Zhu Xueqing said worriedly at this time.

"That's not necessarily the case. The main people who come to save money now are rich businessmen and officials, but in addition to them, there is also a huge crowd who has not come to the bank to save money." Li Jie said with a smile.

"Who?" Zhu Xueqing was stunned for a moment before asking. Although she could help Li Jie in bank affairs, she sometimes couldn't keep up with Li Jie's ideas.

"Of course it's the ordinary people, such as those civilians who often come to the bank to exchange treasure money for copper coins!" Li Jie smiled again.

"What money can ordinary people have?" Zhu Xueqing shouted almost instinctively. It was not that she looked down on the people, but that in her impression, most people could only barely make ends meet and could not save any money.

"Of course, an ordinary person has no money, but as the saying goes, accumulating a lot is a small amount. After all, rich people in the world are a minority, and most of them are ordinary people. Each of them doesn't have much money, but even if each person saves dozens of cents, it will be a huge amount of money!" Li Jie explained with a smile again.

No matter how rich Jack Ma was in later generations, he could not compare with the money of all Taobao users. Banks not only serve the powerful and wealthy people, but also serve ordinary people. In fact, compared with the rich, the money in ordinary people's families is even more unsafe. Even if they only lose dozens of coins of copper coins, it is enough to make an ordinary family feel distressed for a long time, and even unable to eat because of it.

Zhu Xueqing was extremely smart. She immediately reacted when she heard Li Jie's words and nodded immediately, "I understand, but what should we do? Compared to those businessmen, ordinary people are more sensitive to money. It is not easy to let them deposit the only little money they have in their hands in the bank!"
Chapter completed!