Chapter 494: Bank dilemma

ps: There is one more chapter. WW≈
Noisy and enthusiastic voices continued from among the merchants.
Looking at these merchants, Xiao Ming couldn't help but shook his head. The merchant promised that the ghost would believe it, but now that the sea trade route is open, Xiao Ming also wants to profit from the sea trade as soon as possible.
For him, the most direct way of profiting is commercial tax. After all, he can't undertake all the maritime trade alone, and the most important thing is that he does not have many manpower.
So he wanted to establish a maritime trading company with the Qingzhou Chamber of Commerce as the core and other merchants as vassals. This company is similar to the contemporary Dutch East India Company.
Surrounded by merchants, Xiao Ming naturally cannot continue to entangle white sugar. Now that the merchant has learned about the maritime trade route, he must carefully study how to maximize his profits.
Let the merchants go back first, and he and Li Kaiyuan returned to the Chamber of Commerce.
For the past two years, Xiao Ming has been imparting Li Kaiyuan's business knowledge beyond this era. On this question, he tentatively asked Li Kaiyuan: "How do you think we should deal with maritime trade routes?"
After pondering for a while, Li Kaiyuan said: "His Royal Highness, the lower officials think that the right to maritime trade should be opened to merchants, but any merchant who wants to engage in maritime trade must obtain a permit from the Chamber of Commerce, otherwise this will easily cause chaos in maritime trade. These permits are also certificates for merchants to pay taxes."
"Well, what else?"
"While opening up maritime trade rights to merchants, the Chamber of Commerce must play a leading role in maritime trade. We eat meat and let the fallen meat residues be eaten by merchants, so that we can get the maximum profit." Li Kaiyuan said.
Xiao Ming looked at Li Kaiyuan in surprise. This kid has made great progress. He is right. The dish of maritime trade is very big. Qingzhou Chamber of Commerce cannot eat all the dishes. At this time, merchants need to come and eat some. Corner dishes, and they eat the most abundant place among them.
In terms of trade, it means that the chamber of commerce takes the most profitable business, and the other less frequent business is handed over to the merchant, and he can still draw taxes from the merchant.
"You have made rapid progress in the past two years. It seems that this king had chosen you to be the vice president of the Chamber of Commerce." Xiao Ming smiled.
Li Kaiyuan said with a smile: "His Royal Highness has the eyes of a torch, and he can turn this miscellaneous fish into a koi."
"Don't be humble. Since it comes to business, do you have any other ideas?"
"Yes." Li Kaiyuan said sternly. He said: "His Royal Highness, the merchants of the Chamber of Commerce are from other places. The local merchants basically have no growth. The lower officials thought that they should support the local people to become merchants. After all, the merchants in the Chamber of Commerce are very good. The background is not simple."
"You are right, this is also the question this king is thinking about." Xiao Ming's expression became solemn, "you continue to say."
Li Kaiyuan cleared his throat, and said, "His Royal Highness, there are some production processes that should be opened to the people, just like the last time the road was built. The government office can borrow money to the people and let the people pay royalties to set up private workers. In this way, our slaves can free themselves from some weakly profitable businesses to do more important things."
"Well, you are right. This time, this king is going to promote the development of private capital and let the capital in the closed country come to life." Xiao Ming knocked on the table and said: "Moreover, this king also has a few crafts that are ready to let go. , But as for this borrowing matter, I think banks in each state should also be open."
"Yes, we have spent a lot of time preparing for this bank. During this time, the Cao Family Bank took advantage of the loopholes, and now we want to take it back." Li Kaiyuan smiled evilly.
When talking about the bank, the two went to Pang Yukun together. He has always handled the affairs of the Six State Bank, and now it is him who knows the situation best.
When he arrived at the government office, Xiao Ming and Pang Yukun talked about the bank. He immediately took Xiao Ming and Li Kaiyuan to the East City. In a row of shops along the street in the East City, he saw the official bank with a plaque from Qingzhou Bank.
"His Royal Highness, that's it. The bank was already open to the people a month ago. It's just that there are very few people who come to the bank. It's not as lively as the Cao family bank." Pang Yukun sighed.
Li Kaiyuan hurriedly explained: "But your Highness, this Cao family bank is bustling because of merchants, and people rarely go to the Cao family bank."
Whether it is a bank or a money house, this is an unfamiliar matter to the people of the country. They would rather hide their money at home than deposit it in the bank.
Even though Xiao Ming is very popular, the people have their own small abacus in their hearts.
The facade of Qingzhou Bank is almost the same as that of Cao's Bank. They are both like a prison. The account rooms are kept inside and the people handle deposits and withdrawals outside.
Sweeping the plaque, Xiao Ming and Pang Yukun walked in.
This piece of land was bought by the government from a businessman, and what he valued was the flow of people in the East Market, but now it seems to be the most deserted place in this piece.
The three young accounts in the Qingzhou Bank saw Pang Yukun and Xiao Ming coming in and immediately recovered from their laziness, and sat in full danger.
"His Royal Highness, this Qingzhou Bank is like this now. It's immortal, and there is no way to get an official." After all, Pang Yukun is not proficient in finance, so he can't do anything about it.
For Xiao Ming, the bank is an important means to stimulate the development of private capital in the next step. He asked one of the accountants: "How do you specifically handle the deposit and withdrawal of the people?"
"Like the Cao family bank, it collects part of the money to help the people deposit the money in the bank~EbookFREE.me~ and at the same time issue them a bank note." said the accountant.
Hearing this, Xiao Ming's face suddenly turned green. This did not explain how Pang Yukun managed the bank. This problem really appeared.
He sighed and said to Pang Yukun: "From now on, people are not allowed to charge money for deposits and withdrawals, and tell them that their money can still increase money in the bank."
"Increase money! Your Highness, don't we lose money in vain?" Pang Yukun asked in confusion.
Xiao Ming said: "How can we lose money? The bank collects the money, and then lends the money to the people to run a workshop. The loaned money can be charged a part of the interest, and we are the empty glove white wolf."
Pang Yukun didn't react for a while. After pondering for a while, he suddenly realized, "His Royal Highness, Gao is really high. This is equivalent to using other people's money to make money, and part of the money earned from this is given to the people."
"Yes, for example, people can get three-thousandths of interest every month when they deposit money, and we can charge five-thousandths of interest when we lend money. In any case, the government will always not suffer. This is banking finance, Pang Shoufu, you You have to learn from Li Kaiyuan." Xiao Ming said with a smile.