Beijing, Zhengdongfang next to Chongwenmen Street.
In front of a five-story masonry and concrete building covering an area of half an acre, several red banners were hung, and a burst of firecrackers sounded.
After more than half a year of construction, decoration and preparatory work, Xujiazhuang Tianxiatong Bank's Beijing branch officially opened today.
The hostesses in new-style skirts and white socks stand in two rows with at least six white-toothed smiles. Whenever passers-by pass by, they say "Welcome" in unison, forming a beautiful scenery.
The young security guards in green anti-stab uniforms also hold swing sticks or iron forks, ready to deal with any emergencies.
Finally, Gu Tianci, the president of the branch, and more than 50 tellers, lobby receptionists, warehouse staff, etc., all wore straight and slim-fitting Xinhua suits (actually a small modification of suits), leather shoes and high heels, showing their spirit.
Be energetic and in high spirits to face today's opening.
The two large speakers placed at the entrance of the bank also played exciting music that could be heard within a two-mile radius.
In short, it is to highlight the word "lively" and attract countless people from the capital to come and watch and understand the situation.
Even in order to attract more customers, Gu Tianci asked people to hand out leaflets, and at the same time he personally stepped onto the temporary stage, holding a microphone in his hand, to introduce the various business services of Tianxiatong Bank:
"It's open. Tianxiatong Bank Beijing Branch opened today!"
“Come and take a look, don’t miss it if you pass by!”
"Tianxiatong Bank connects the world. We are experts in protecting your wealth. We are also the white knights who save you in times of trouble. Your trust in Tianxiatong can be like trusting air and water. We will only benefit from it and will not be harmed.
…”
"Currently we have mainly launched three financial services. You may not need all of these services, but you will need at least one."
"The first is the money exchange service. You can bring all the large and small copper coins in your home and exchange them for light aluminum coins from Tianxiatong Bank. The exchange is based on the standard of 3 grams of copper for 1 gram of aluminum, regardless of the color or rust.
Seriously, everything can be exchanged, including copperware and copper materials at home. You can also exchange them for light coins that will never perish according to their weight. For those who redeem within seven days of opening, for every 100 light coins exchanged, we will reward you with an additional 5 coins.
, In addition, those who use light money to purchase goods in Xujiazhuang will receive 5 light coins back for every 100 light money spent, which is actually equivalent to enjoying a 10% discount on shopping.”
"In addition, the silver ingots and silver bars in the hands of customers can also be exchanged for standard silver dollars. They will be exchanged for silver dollars at a ratio of 1:1 according to the quality and weight. There is no fire fee and it will be borne by our Tianxiatong Bank!"
"Gold can also be exchanged for silver dollars. The exchange ratio at other banks is about 1:15, but the exchange ratio at Tianxiatong Bank is 1:20. It's very cost-effective to exchange it with us!"
"The second is the deposit and withdrawal business. Anyone who deposits more than 30 silver dollars can open an account. As long as the money is deposited in Tianxiatong Bank, not only will there be no custody fees, but you can also get interest dividends. The survival interest is 0.3% of the daily interest rate.
, the interest rate for deposits is 1.5% for a fixed period of one year, 2% for a fixed period of two years, 3% for three years, and 5% for five years and above. The longer the deposit period, the more interest dividends!”
“In addition, those whose deposits exceed five hundred silver dollars can handle deposits and withdrawals in other places. That is, the money deposited at the Beijing branch can be deposited in 37 cities in the Ming Dynasty, including Tianjin, Nanjing, Hangzhou, Chengdu, Guangzhou, and Yangzhou.
If you can withdraw money from a branch of Tianxiatong Bank in another place, you don’t need to pay any handling fees. You only need to apply for a passbook certificate.”
“The third is the loan business. Our bank’s customers with higher credit ratings and certain collaterals can apply for loan services from our bank. The loan amount is related to the credit rating and the value of the mortgageable assets. In terms of loan interest, the annual interest rate does not vary.
If it exceeds 12%, the loan interest will be lower for those with a higher credit rating. There is no compound interest or cut-off interest. Those who are desperate and unable to repay the money can apply for bankruptcy freeze. They only need to pay a fixed amount. We will also introduce them to jobs and help them.
Get out of trouble as soon as possible."
"Tianxiatong Bank does not provide usury. We are the destroyers of all usury. If you encounter financial difficulties, you can give priority to Tianxiatong Bank!"
"..."
After Gu Tianci's introduction to the dry-tasting business, the effect was naturally very good.
In particular, the promotion of exchanging heavy money for light money made countless people in the capital shine and quickly took action.
Cao Wenli, thirty-six years old, is a local citizen of the capital. His ancestor is a branch of a noble noble, and he was once considered wealthy. He usually runs a small business selling breakfast, and he also occupies a place in the capital camp, because
There is no need to participate in Dianmao. He can get 800 Wen from the monthly salary of 2 taels, and the rest will be divided among the nobles. Occasionally, he will put on his military uniform and go to line up for strict inspection... A tacit understanding has been formed long ago.
Cooperation.
Cao Wenli knew very well that this kind of behavior was inappropriate, but as a small character, how could he have the ability to change this rule that had been established for hundreds of years? On the contrary, he was the beneficiary of it, so it was even less possible for him to seek change.
It’s just that life has become increasingly difficult in recent years. Prices are getting higher and higher. The copper coins circulating in the market have long been filled with bad coins, and the purchasing power is getting lower and lower. Cao Wenli’s breakfast business has also been affected. The money he received contains
The amount of lead reached 50% and 60%, and there were more and more bad coins, and there were fewer and fewer good-quality copper coins. When he went to the market to purchase ingredients, it became increasingly difficult to spend the bad coins, and he hoarded the good coins.
In my own hands, I can't bear to spend a penny.
Over time.
The bad coins in his home were full boxes and cabinets, and there were not many good coins. The breakfast stall operation was also on the verge of bankruptcy, because some crazy bad coins with lead content as high as 70 to 80% began to force his business to be unable to continue.
Keep doing it.
And today Tianxiatong Bank opened for business.
The service of exchanging heavy money for light money does not stipulate the copper content of heavy money. It seems that it only needs to contain copper.
In this case, he was not polite. He immediately returned home and loaded a cart full of bad coins. He was the first to come to the counter of Tianxiatong Bank and asked to exchange the heavy money into light money.
Hua Hua Hua~
When these bad coins, numbering in the tens of thousands, with lead content ranging from 50%, 60% to 80%, are placed in front of the tellers and asked to be exchanged.
Cao Wenli showed a sly smile and said to the tellers: "I want to exchange everything into light money. Can I exchange it within a moment?"
It is impossible for dozens of tellers to inspect tens of thousands of bad coins in a short period of time. But if too much time is wasted, how many customers can Tianxiatong Bank handle in one day?
At that time, he made a loud noise, saying that Tianxiatong Bank was not sincere and could only exchange tens of thousands or hundreds of thousands of heavy coins a day. How could a bank be opened with such efficiency? Just close it. Today, the number of people crowded at the door of Tianxiatong Bank was
All the people, please disperse!
Conspiracy.
Cao Wenli wanted to use this conspiracy to tell Xujiazhuang and Tianxiatong Bank that there were hidden dragons and crouching tigers in the capital, and it was not that easy to mess with.
But unexpectedly!
In less than five minutes, the bank tellers quickly took out the electronic scales and packed them together. After weighing the bad coins at 195.3 kilograms, they exchanged them for 43 yuan at a ratio of 4.5 to 1.
A light coin of 400 silver dollars was handed into the hands of Cao Wenli under the attention of many people.
Cao Wenli was stunned.
Onlookers also found it unbelievable that such a large amount of junk-like bad coins could be exchanged for so many silver dollars and light coins?
"Mr. Cao, do you have any questions?" the female teller in charge of the transaction asked softly.
"There is nothing, there is nothing."
Cao Wenli shook his head first, then nodded wildly and said: "Yes! There is another question. I still have at least two cars of heavy money at home. Can I use it to continue to exchange it?"
"Yes, you can exchange as much money as you have into silver dollars or light coins here, as much as you have!" the female teller assured.
Cao Wenli immediately pushed the trolley back home and rummaged through the boxes to find all the bad coins. He went to Tianxiatong Bank twice and exchanged 75 silver dollars for 3,850 light coins, successfully getting rid of the trap.
Later, he ignored his wife's objections and took the more than 3,000 good coins at home, a copper pot and several copper utensils to Tianxiatong Bank, and exchanged them for 9,788 coins at an exchange ratio of 3:1.
Then I went to a shop specializing in selling Xujiazhuang goods and spent every penny I had! I purchased a large amount of rice noodles, vermicelli, canned food, snacks, clothing and other products, and I really enjoyed the equivalent of 95
With discounts, there is no longer any doubt about the purchasing power of light money.
…
The next period of time.
There are countless customers in the capital like Cao Wenli who want to get rid of bad coins. Tianxiatong Bank serves nearly 10,000 customers every day and exchanges countless silver dollars and light coins.
The underground vault of the bank building was filled with countless bad coins, good coins and copper materials and copperware, so much that the warehouse was almost bursting.
In this frenzied exchange trend, millions of people in the capital benefited. Officials and nobles disappeared at the speed of light and joined the team of sheep collectors. Even Zhou Kui, the head of the country who ended his career late, was said to be selling bad coins.
In the process, he also earned more than 100,000 silver dollars.
By May 10th, in the capital, the most benign land, all bad coins have disappeared, and good coins are extremely rare. The most popular coins nowadays are stable in value, light in quality, exquisite in shape, and require the power of thunder and lightning to refine.
Counterfeit light coins account for more than 99% of the original copper coins in circulation.
Prices have also stabilized, the employment rate has increased, the business of Cao Wenli's breakfast stall has increased several times, and the economic vitality of the capital has increased to a level that can be called prosperous.
Millions of people in the capital know that this is a good situation brought about by Xujiazhuang Tianxiatong Bank. While everyone is grateful, they are also discussing how much Xujiazhuang has lost:
"I lost at least 8 million silver dollars!"
"Never less than 20 million!"
"Xu Jiazhuang is the most good man in the world. He would rather lose money than stop the service of exchanging heavy money for light money. This is a righteous businessman and a good businessman. How great would it be if all businessmen in the Ming Dynasty were like this?"
"I admit that I have changed my view on Xujiazhuang. This generation of businessmen has some merits."
"Good man, this is a great good man! I will never speak ill of Xujiazhuang again."
…
So for Xujiazhuang and Xu Yuan, after digesting a huge amount of bad coins, did he really lose money?
"How could it be a loss? In modern society, lead is also an important industrial raw material, with a price of more than 15,000 per ton, and the price of raw aluminum is 20,000 per ton. Although the price of lead is far less than that of copper, even with a quality of 3:1
You can also make more than 100% profit by exchanging.”
"And the direct profits earned from this kind of operation are secondary. After eliminating bad coins, silver ingots, broken silver and other currency roles, Tianxiatong Bank now basically controls the control and issuance rights of Ming Dynasty's financial currency. This is not a small profit, but