With the emperor's support, he took out 100 million taels of silver from the treasury and put it into the bank. In addition, the Su family and the Fan family all deposited money into the bank. The banknotes were very convenient. Many people tried it for a while. I put the money saved at home into the bank and exchanged some banknotes.
Then these people tried to use their banknotes to buy some needed things in the market. Although many people did not recognize this, many people admitted it. They took the banknotes they received and turned around to go to Daqian. The bank quickly exchanged the required cash. After seeing how convenient this item was, as there was no need to carry a heavy amount of silver when going out, and there was no need for a domestic slave to carry a silver box through the streets, many people liked it. I learned how to buy things and consume in this way.
After three days, the statistical results showed that, except for a few large households, the retail bank deposits reached nearly 50 million taels. Shen Ao couldn't help but smile when he knew the results. What he cared about was not that there were more people all at once. This money is everyone's recognition of the bank.
It is said that the first three kicks are difficult, and this is even more true for banks. After all, if you want to send real money and exchange it for banknotes, you have to have their approval. You can't force it.
Three days later, the savings of Daqian Bank reached more than 200 million taels. On the morning of the fourth day, more people came to the bank. Few of them had any money deposits, but more people wanted to borrow money. .
Most of them are businessmen and farmers.
Businessmen often need a turnover period to do business, especially if the roads are not good, a business trip may take a long time. With such delays, many businessmen have been affected because their funds cannot be withdrawn in time. , it is even common for some people to go bankrupt as a result.
Now it's better. With Daqian Bank, you can mortgage your property to get silver if you need it. The annual interest rate is only 4% to 5%, which is much lower than the interest rate from friends or specialized interest lenders, especially for property. It's just a mortgage, not a sale. As long as you pay back the money, you can naturally get the things back in your hands.
Under such a good model, ambitious businessmen will of course want to borrow more, so that they can hope to expand their business and earn more.
In addition to businessmen, there are also many farmers who come. They have little capital originally, and most of their friends are farmers. Even if they have credit, it is difficult to borrow any money. But with the five-household joint guarantee, it is completely The difference is that as long as they have credibility, they can let their neighbors act as guarantors, so that they can use their credibility in exchange for capital to complete the things they have always wanted to do but could not do.
With all kinds of ideas, some farmers want to do business, some want to buy cattle farming land, some want to open a tavern or a grocery store, etc. In short, with the help of the platform of Daqian Bank, their ideas finally came to fruition The possibility of realizing it. Daqian Bank also became more lively because of their arrival.
It is worth mentioning that the clerks at Daqian Bank are basically qualified after two months of intensive training. At least they are kind to the farmers who come for consultation, are not impatient, and explain patiently over and over again. It was precisely because of their efforts that on the first day when lending was allowed, Daqian Bank made out 12 million taels of silver, of which nearly 10 million were borrowed by merchants and the remaining 2 million were obtained by farmers.
When farmers walk out of Daqian Bank with their banknotes or taels of silver, they believe that there will only be more people coming to borrow money tomorrow. Those who did not believe it at first and had a wait-and-see attitude will crowd the twelve Daqian Banks. , that’s when I’m really busy.
Shen Ao is happy to see this happen. He knows very well that money can only show its power when it circulates. He believes that the existence of Daqian Bank will definitely stimulate Daqian to become richer.
If the people are rich, the country will be strong. When people have money, they will have a greater sense of belonging. In order to protect their property from loss, if anyone really wants to declare war on Daqian, they will resolutely do so. take up arms to resist. Only then will Daqian truly be considered a powerful country, and it will exude power that makes everyone tremble.
...
Western barbarians.
They originally lived in the south, but when they came to the grasslands in the west, they really felt a little uncomfortable.
The arrival of the Western Barbarians drove away the original indigenous peoples and became the new owners of this land. Although they occupied the grassland, many of them still maintained their previous living habits. For example, although they lived in yurts However, they did not belong to that nomadic state. They spent a lot of manpower and material resources to build a new city, which was known as Mandu.
In Mandu, there are yurts and newly built mud houses, which look nondescript.
What's more worth mentioning is that there is a royal palace in the capital, which is made of huge rocks. The king and his family lived here.
Speaking of which, the Barbarian King Aguda, who was nearly fifty years old, had a certain political acumen and vision. After driving away the indigenous people, he adopted a policy of attracting small grassland tribes. In order to expand the population, he allowed intermarriage between barbarians and grassland people. This not only increases the population, but also allows it to gain a firm foothold, and is no longer a rootless tree.
The population has increased, and the resources for the army have become more abundant. However, food has also become a big problem.
After more than ten years of development, the barbarian kings relied on means to annex and unite some small grassland tribes, and the population more than doubled. After they had people and horses, the food gap they needed became larger and larger, leaving nomads The pressure on the barbarians who rely on the Lord for their livelihood is increasing.
As the internal conflicts became more and more intense, external expansion seemed to be a good outlet. In his mind, the Barbarian King had already planned several times to send troops to the surrounding areas, expand the territory, and seize food.
Just because when preparing for a war, the internal voices were not unified, and plans failed again and again.
It is said that the barbarians originally lived in the south, where the climate is pleasant, there are mountains and water, and there are many original ecological species. When there is a shortage of food, they can get it from there. The barbarians are also used to that kind of hunting method, and they can hunt back. Going south and returning to their hometown is what most people have in mind.
The idea is good, but it is extremely difficult to implement it. Not to mention that South Vietnam’s King Li Yongli is very capable, brave and strategic, and is a difficult person to deal with. Judging from the intelligence we have learned over the years, it is said that South Vietnam The relationship with the King of Nanwu in Daqian is very good, and the two families have even been married. Once the barbarians send their troops south, I am afraid that Nanyue will join forces with the King of Nanwu. If this is the case, with the help of the barbarians, There is absolutely no way he can be an opponent.
If you can't attack South Vietnam, you can only find a solution from Daqian. After all, the closest to the Western Barbarians are Xinzhou, Suzhou and Zangzhou of Daqian.
But in these three places, there are heavy troops stationed in Daqian, so it is not that easy to fight. More importantly, these three states are not rich either. They need to transport food from Daqian every year, even if the barbarians occupy it. , it cannot completely solve the food problem. On the contrary, this attack can easily damage one's own strength, and even attract revenge from Daqian, which is really not worth the gain.
Both goals were difficult to achieve, and they became a difficult problem before all the barbarians, so that several plans were abandoned due to inappropriate timing and disagreement.
The Barbarian King, who was getting older and older, would sigh from time to time. Could it be that he was going to be such a lonely old man and could not see the day when the barbarians would rise?
Just when the Barbarian King had a headache because of this and could not see the way forward, his beloved princess Oyadan of the Barbarian tribe found him and gave him an idea. It was said that there was a young man named Shen Ao in Daqian. , very impressive, he has a good way of making money, and he has a lot of talents and learning. If he can be used by the barbarians, perhaps with his help, the situation and situation of the barbarians will be changed, and once the barbarians become stronger Get up, why bother looking at other people's faces and worry about them?
The Barbarian King had countless wives and concubines in his life, and naturally had many children. But the only ones that he really valued were the eldest prince Obik, the second prince Origi, his daughter Oyadan and the younger prince Orhema. Among them, he trusted his daughter the most. It seems that women cannot inherit a high position, so it is really good for a daughter to be kind to him, rather than a son who wants to do something for himself.
Besides, Oyadan is also famous among the entire barbarian tribe for her beauty. More importantly, she not only has an angelic face, but also a very smart mind. The Barbarian King even had the idea that if Oyadan was a If I were to be a man, I'm afraid that my position would have to be handed over to her.
In ancient times, the idea of favoring boys over girls was very serious. Women would eventually get married. The so-called married daughter was like water thrown out. At best, she was also a member of another family. The barbarian king would never put the future of the barbarian family in On a person who may have a foreign surname at any time.
He could not inherit the throne, but he still liked her and trusted his daughter very much. Then he heard Shen Ao's name for the first time.
Especially after tasting the thing called iodized salt that Oyadan brought back, I became more psychologically aware of it. I was thinking about how much benefit it would bring to them if this thing was made by their great barbarians. How much food can be exchanged for this?
It was at this time that Teng Ziju was invited to the palace of the Man King, and received the order from the Man King, asking him to go to Daliang City, get to know Shen Ao, and if possible, bring this person to Da Man for his use.
Teng Ziju's real age is less than forty years old, but his face is so weathered that some people would believe him even if he was half a hundred years old.
He is not a pure barbarian, nor is he a Han with orthodox blood, nor is he a grassland man. He is an ascetic who travels all over the world. The genes of his parents' generation are also extremely good. He has extensive experience, is well-read in poetry and books, and has a rich mind. There are ravines.