Wu Zetian shook her head and smiled, "They dare not, at least they dare not spread it widely in the short term, but they will remember this incident in their hearts and warn their children, so this is more or less a blow to your majesty's reputation, which is why Wang Zheng is angry."
"There's nothing we can do about it."
Li Zhi sighed, "I originally wanted to take advantage of those aristocratic families. I thought that after the news spread, those people would sell off the bills out of disappointment with Wang Zheng. I didn't expect that only some ordinary people were fooled. This time, I really lost more than I gained."
"Your Majesty thinks things are a little simple."
"What do you mean?"
Wu Zetian frowned and pondered for a while, then said: "Those ordinary people have high expectations of Wang Zheng, so they will naturally sell their bills when they are disappointed. After all, a profit of 8% a year is not very attractive to them because they don't have much capital.
But it is different for the aristocratic families. They have abundant capital and huge foundation. An annual profit of eight cents is already considerable. Moreover, this is the early stage after all. The profit will be even higher in the future, at least reaching more than one cent.
"A hundred-dollar reward?"
The correct version of this content can be found on 6/9*Shu.ba%! 【6*9*S*H*UBA.CX】
I have to explain something here. There is no handling fee for depositing money, but there is a handling fee for withdrawing money, and the fee is 2 cents. In other words, it costs 2 cents to withdraw one string of coins, so you'd better not withdraw money frequently.
The student in plain clothes took out two banknotes from his pocket and introduced them, "There are two kinds of banknotes. The small one is green and has a ten-cent note. When you look through the blank space in the middle, there is a very conspicuous word "Shi".
Every time you deposit or withdraw money, remember to bring your household registration with you. This can prevent others from stealing your passbook and secretly taking your money away. This is called real-name deposit and withdrawal. Although it is a bit troublesome, it is relatively safe. "
"Paper money is simple, that's all I have to say. Next, let's talk about saving money. There are two ways to save money. One is called current account, which means you can deposit and withdraw money at any time, but the interest rate is only 3% a year, which means that if you deposit one string of money, you will only get 30 wen of interest a year.
The other type is called a fixed deposit, which means that you must deposit it for at least one year and the interest rate is 5%. Of course, if you need money urgently, you can withdraw it at any time from the fixed deposit, but if the interest is withdrawn in advance, the interest will be calculated according to the current account.
The plain-clothed student raised his eyebrows and said with a smile, "Deposits below 10,000 guan are all small deposits. If it is a large deposit, I will not be responsible for explaining it here. You can go to the hall to read the regulations on your own."
As long as you bring your household registration with you, even if something unexpected happens in the future and you lose your passbook, you can come back with your household registration to apply for a new one. The money in it will remain the same, and you won't lose a penny.
A student was reading the words on the charter aloud, stopping from time to time to explain. Although this was Chang'an, and the Yuzhou school had been educating the world for several years, not all people could read.
Someone else said, "Just listen to the young master. It's a small amount, so it's a small amount. We are ordinary people. It's good enough to have money to save. Even if people who save a lot of money can't read, can't they afford a shopkeeper or a housekeeper? Why would they stay here and listen to the explanation?"
The money house was being renovated and it would still be open for a few days, but the rules and regulations had already been posted, attracting many people to watch.
Many times, Wu Zetian didn't know about Li Zhi's affairs. Explaining everything now would only clear up her doubts, but it was actually of no help. The couple discussed as they walked, but they couldn't find any good solutions.
"If a thief steals my household registration and passbook, can't he still come to the bank and take my money?"
After Wu Zetian's persuasion, Li Zhi agreed to consider it first.
Remember to bring the money and the person here, or you can bring them to the government office. If you find someone using counterfeit money, you must catch him. The Grand Steward's Office will reward you. The minimum reward is 100 strings of cash, and the maximum depends on the specific situation."
After Li Xian caught up with them and told them Wang Zheng's suggestion, Li Zhi was not willing to adopt it. The key point was that it would cost too much money and grain, and the cost could not be recovered. However, it was quite beneficial to the country.
Before the plain-clothed student could explain, someone nearby laughed and said, "Can't you hide them separately? If they are all stolen together, then won't your hidden money also be stolen? I think it's safer to save money."
The big red one is one hundred wen. When you look through the blank space in the middle, you can see a very conspicuous word "hundred". You must remember this clearly. If you see no words when you look through the blank space, it is a counterfeit currency.
This kind of business is a sure win, for the aristocratic families, it is rare to make so much profit in a year. Your Majesty, don't forget that the money house only makes a profit of 5% a year on a regular basis. Your Majesty has deposited all of it, it's actually the same principle."
The person who spoke earlier fell silent. The plain-clothed student smiled and didn't take it seriously. He continued to explain, "The reason why we asked you to bring your household registration to apply for passbooks is because we are afraid that your passbooks will be lost or stolen, or something unexpected will happen.
"You all have small deposits, so you must bring your household registration to apply for a passbook, or you can directly exchange it for paper money."
Some people immediately became unhappy and retorted: "How can you talk like that? Aren't you looking down on us? How come our deposits are just small amounts?"
Seeing the plain-clothed student smiling and nodding in confirmation, the crowd suddenly became excited. Although everyone has become richer and richer in recent years, 100,000 Wen is still a huge sum of money for ordinary people.
If you deposit one string of money and withdraw it fifteen times a year, it is equivalent to no interest. "
The onlookers said that it didn't matter. Who would have nothing better to do than deposit one string of cash and withdraw it fifteen times a year? It would be better not to deposit anything at all.
The plain-clothed student nodded and said with a smile, "Next, let's talk about borrowing money. Since we can save, we can naturally borrow money. As long as we have a household registration, we can borrow money from a bank. The annual interest rate is one cent.
That is to say, if you borrow one string of money, you need to pay back 1,100 wen to the money house after one year, and 1,000 wen per month. There is no handling fee. As for how much you can borrow, it depends on the actual situation.
For example, what do you have as collateral, or what are you borrowing for? These are all criteria for measuring how much money you can borrow."