On October 14th, winter has entered Owari, and the weather has become colder. The bank that Yu Qiupei has been thinking about for a long time was finally completed on this day. In order to highlight the difference of the bank, Yu Qiupei did not follow the traditional Japanese style
It was built in a traditional style, but deliberately chose the Dorian style architecture favored by many Western banks.
Yu Qiuping's bank resembles a small palace, about two stories high. In front of the main entrance of the bank, four large, round and beautiful pillars support the roof. On the roof, there is a large plaque that reads "
These four characters are "People's Bank of China". On the door of the bank, two large ingots are carved. The entire bank was painted silver white at Yu Qiuping's request, which is particularly conspicuous in the brown residential area of ​​the castle town.
Inside the bank, Yu Qiuping imitated the layout of banks in the past. As soon as you enter from the main entrance, you can see a row of five cashier counters. On the left side of the counter, there are several consultation windows. Counters
On the right side is the staircase leading upstairs. In order to prevent theft, the valuable silver coins, bills and gold stored in the bank are placed on the second floor. A large number of cheap copper coins are piled behind the counter on the first floor by Yu Qiuping -
— to show that he seems to have a lot of money to support the scene.
Sena Shiyoshi originally suggested that Yu Qiupei use the bank as a warehouse to keep custody fees and lend small loans - but Yu Qiupei firmly refused. Although Sena Shiyoshi's caravan trade profits were based on the war profits.
, Yuqiu's family can be considered wealthy now, but he can never be satisfied with this and must find a way to make more money. Therefore, he insists on paying interest to people who save money to attract more deposits.
Because Yu Qiuping has an ambitious army expansion plan in mind, he wants to recruit some more Owari people to join the army this winter and expand the number of soldiers to 400 - this does require financial support, because his soldiers have always been
He is a retired soldier. It costs 10 guan to raise a soldier a year. Moreover, there are only more than 1,600 people in his territory of 10,000 shi. It is impossible to recruit 400 soldiers and maintain 800 auxiliary soldiers at the same time. Therefore,
, he had to seek to recruit soldiers instead of a military service system-recruiting young and middle-aged people to become full-time soldiers who are not engaged in production within the scope of the whole Owari, and live and eat in Yu Qiuping's territory to reduce the pressure on the territory's population-this
More money will undoubtedly be needed.
The specific recruitment details have been handed over to Naoe Tadayei and Fukushima Yasunari. They will still choose loyal, honest, and physically strong people to join the army as before, and provide a certain amount of settlement allowance to attract people to join the army. In order to avoid the military being in a small group.
With the existence and the spread of bad habits, Amano Keitoku was asked by Uakiuhei to not only draft the laws of the territory, but also personally supervise the recruitment of soldiers and the training of Ashigaru - the same devil training as always.
Therefore, Yu Qiuping cannot be satisfied that his bank is just an institution like Tucang. Instead, he wants to turn it into a large-scale financing platform, and then use the financing money to do business, invest or make loan sharks, thus increasing the amount.
However, the bank has been established, but how to attract people to save money is a problem. Owari businessmen have a lot of money, and they are smart and quickly understand the operation method of Yu Qiuping bank. However, Yu Qiuping is willing to pay deposits to users
However, the behavior of paying interest made them wary. The so-called people who show courtesy for nothing are either traitors or thieves. Of course, they did not believe that there was such a kind-hearted lord, so they all maintained a wait-and-see mentality towards Yu Qiuping's bank.
As for how to introduce the role of this bank to the people, it is a headache for Yu Qiuping, Sena Shiyoshi and others. These people have a very low political participation rate and do not care much about the new policies. All they care about is their own one-third of an acre.
The land is very conservative. Moreover, their education level is very low, they are basically illiterate and their understanding ability is very poor. How to promote the bank to them and let them understand the bank is really a problem. Sena Uji has asked the acting officials of each village
They all preached about the banking system in the village, but only a few people came and basically no one cared.
Later, it was time traveler Yu Qiuping who came up with a solution - an exam! He announced that he would hold an exam on banking knowledge in his territory before the Chinese New Year - it was actually an interview, because most people didn't know how to do it.
Writing. When the time comes, he will send all the ashigaru in Tokiwabi as examiners and disperse them to various villages. Then he will give them a hundred true-false questions and multiple-choice questions about banks as a question bank, and let them take the exam after interviewing each one in turn.
When accepting citizens, ten questions will be selected for interviews. Those who can answer eight or more questions correctly are considered to have passed the exam. Those who pass the exam will receive 500 Wen as a reward. Each household can send one person to take the exam.
After this policy was promoted to various villages by Yu Qiuping, the number of people who came to listen to the agent's lecture on the banking system suddenly increased sharply. 500 yuan was a lot of wealth for these small farmers. It was also the slack period anyway, so of course these small farmers were eager to
To make some extra money. As a result, many farmers from every village came every day to listen to the lectures on the basic banking system given by the acting officials once a day. Some of the more stupid people even came four or five times in a row and couldn't figure it out, so they had to
Continue over and over again. Questions such as the difference between demand deposits and time deposits, what is compound interest, why five-year term deposits have higher interest rates than three-year term deposits, etc., all trouble the common people.
·
The rules of bank operation were promoted, but Yu Qiuping had no time to relax for a few days. Uji Sena threw new problems to him.
"Momiji, there's another problem! If what I expected is correct, you must want to use the borrowed money to lend money or do business." Sena asked.
"Yihei, why are you bothering me again?" Yu Qiuping was lowering his head to prepare for the bank exam. When he heard the sound of Sena Shiyoshi's fly, he subconsciously said without thinking.
"Huh?" Sena Ujiyoshi was stunned for a moment, "Muriji, this is the first time you call me Jihei. Didn't you always call me Ujiyoshi before?"
"Well, I was distracted just now," Yu Qiuping put down the pen in his hand and rubbed his temples, "I heard my brother Taehyung call you Jibei before when he was talking about interesting things about his childhood, so I subconsciously called you out."
"But I think it's more appropriate to call you Iron Soldier Guard," Yu Qiuping joked, "Iron cock never plucks a dime."
"Momiji, you really don't know anything about money." Sena Shiyoshi seemed to disdain to argue with a lavish spender like Yu Qiupei, "You can call him Jihei if you like, but money
You can’t be careless about the problem!”
"Tell me, Jibei, what's the problem?" Yu Qiuping asked deliberately.
"Your Highness, I don't think your two methods of making money with borrowed money are very reliable." Sena Shiyoshi pointed out, "First of all, as a moneylender, there won't be any big profits. Because most of them
It is not easy for most farmers and businessmen to borrow money, and those who are usually reduced to borrowing money are those who are almost unable to survive - does Hongye still expect people like this to pay them back?"
"Ah?" Yu Qiuping was stunned for a moment, "Don't businessmen all want to borrow money to expand production and make more money?"
"Is this what businessmen in the Ming Dynasty are like?" Sena Shiyoshi was stunned for a moment, "Anyway, Japanese businessmen will never borrow money unless absolutely necessary."
"Well..." Yu Qiuping shook his head in frustration. He had not considered this before, and he had made some miscalculations. If the money in the bank could not be regenerated, wouldn't he have to pay the interest in vain?
"Aren't there still caravans?" Yu Qiuping comforted him, "We don't have to pay tariffs for cross-border trade. We can always make money by taking advantage of the price difference!"
"The problem is, we need to know which items have price differences!" Sena said, spreading his hands: "This food price fluctuation only came to us because the matter was too big. Otherwise, we would have no way of understanding Mino.
The price of goods. Indeed, you can definitely make money by buying Meinong paper and these Meinong specialties, but..."
"But the market will be saturated, right," Yu Qiupei followed up Sena Shiyoshi's words. "It's impossible to buy Mino paper every time. Specialties like crystal lime will no longer be sold in Owari. In the end.
In the final analysis, we still have to deal with daily necessities."
"Yes, so we have to find a way to know the prices in Mino." Sena Shiyoshi said, "We can't always wait for news from passing merchants. When they bring news, prices may have already changed."
"Well, this is really a difficult problem," Yu Qiuping scratched his head.
·
Just when Amakihei and Senajitoshi were worried about it, Sanada Masayuki also came in.
"Kibei?" Yu Qiuping looked at Sanada Masayuki, "What's the matter?"
"Your Highness, it's like this," Sanada Masayuki said with some embarrassment: "The intelligence penetration work that Your Highness asked me to carry out is really very difficult. Because except for me, we have no experienced intelligence workers at all."
"Didn't you ask to recruit people?" Yu Qiuping asked in surprise.
"I have recruited some reliable citizens, and also selected a few smart ones from my old subordinates to help," Sanada Masayuki shook his head and said, "But it is very difficult to penetrate into the enemy's territory and learn about the enemy's information.
.Whether it’s dressing up in disguise to sneak in, or relying on excellent physical skills to eavesdrop, these abilities cannot be developed overnight.”
"Then what did the other lords do?" Yu Qiuping asked curiously.
"Usually it depends on the ninja and the mesuke team," Sanada Masayuki replied.
"Ninja?" Yu Qiuping has always been very curious about Japanese ninjas. Do they really have the ability to go to heaven and earth like the ninjas in "Naruto"? "What do they do?"
"To put it simply, they are engaged in intelligence, protection and assassination work." Sanada Masayuki replied, "The profession of ninja is inherited from generation to generation. Many ninjas gather together to form a ninja li, living in remote places for generations.
Inheriters of their craftsmanship. Some of them have superb body skills, others are proficient in hidden weapons, or are good at disguise and infiltration."
"Then how did the daimyo get the ninjas to do things for them?" Yu Qiuping asked curiously.
"Through the method of employment," Masayuki Sanada seems to be quite familiar with this, "whatever the daimyo want to accomplish, they will hire a ninja to complete it in the form of a task. If the ninja can successfully complete it, he can get it from the daimyo
They earn commissions from everywhere to maintain their livelihood. Some powerful daimyo will have ninjas who have been loyal to them for generations. For example, the Fuma ninjas of the Hojo family. They only accept tasks from the daimyo of the main family, and the daimyo of the main family also
We will protect their safety. The vast majority of other weak daimyo cannot afford to have their own ninjas, so they can only hire neutral ninjas."
"Are these ninjas reliable?" Yu Qiuping was a little puzzled. "After the mission is over, they will have nothing to do with the hirers. How can we guarantee their loyalty?"
"Generally speaking, ninjas are still reliable," Masayuki Sanada nodded. "This is the rule in this industry. They will not betray their employer or leak information about their previous employer. Ninjas know in their hearts that breaking the rules may lead to gains.
A lot of benefits, but then no one would dare to hire ninjas anymore. Wouldn't it be a waste of money? As for those that really involve secrets, the minor daimyo will hand them over to their own intelligence personnel, that is, the eyewitness team, and will not entrust them to others.
In the ninja."
"So what you mean is..." Yu Qiuping looked at Masayuki Sanada, "Let me hire a ninja to conduct intelligence reconnaissance for us." Yu Qiuping said while moving his eyes to Sena Uji: "By the way, we will monitor it.
Prices?”
Chapter completed!