After more than half a month, the bank under Jing Wen opened. Cui Ying, the actual manager of the bank, also began to take office. Cui Ying can be said to be the daughter of the Cui family, the most senior gentry, and she has very sufficient abilities. Moreover, she can get 50% of the dividend, so she worked harder. Of course, it was only 50% of the dividend, not to obtain shares, Jing Wen could recover it at any time. Under Cui Ying's organization, some personnel were immediately drawn from Jing Wen's other industries and opened a bank. Liu Qing was a little unhappy with Cui Ying, because Cui Ying pulled out the most from her accountant, because the bank needed many people who were proficient in accounts. But under Jing Wen's comfort, Liu Qing finally burst into tears and smiled.

"Jing Wen, we are now preparing to open semicolons in Chang'an, Luoyang, and Youzhou and Guangzhou. At present, only the three semicolons in Chang'an, Luoyang and Youzhou can exchange them with each other in gold, silver and copper coins. There is still a big gap between us opening an online store throughout the Tang Dynasty." Cui Ying said.

Now, due to roads, time, costs and other reasons, Jingwen's bank has only opened a bank branch in three online stores of Datang. Chang'an is the capital of the Tang Dynasty, and its political significance is different. It must open a headquarters here. Luoyang is a place that communicates with the north and south, and is an important commercial channel. There are often many goods here to turn around, and the canal also become the center here, so one here must also be opened. If it is opened in Luoyang, it is equivalent to directly communicating with the north and south.

As for Youzhou, it is facing the northern grasslands. Now the northern Turks have been destroyed. The merchants can go to the Turks to do business at any time, and they can exchange copper coins into gold and silver in Chang'an or Luoyang, and exchange copper coins again in Youzhou. In this way, they can reduce transportation costs and expand profits. As for the branch in Guangzhou, it has not been able to truly open at present, because Guangzhou was high in this era and the economy was not developed, which was exactly the opposite of later generations. Therefore, the preparations for the Guangzhou branch were not very fast, and the political significance of this branch was greater than the practical significance. The Guangzhou branch was actually used to support Wang Xuance, the chief of the Guangzhou Governor's Office. It mainly supported him to develop the Guangzhou economy and develop the Maritime Silk Road. If he could gain benefits from overseas, he would help Wang Xuance to "sell the stolen goods".

"Okay, okay, let's open the business soon! In the future, we may have various new businesses, such as deposits, and loans, for example." Jing Wen said.

Cui Ying also understood what is about deposits and loans, because Jing Wen explained to her. However, Jing Wen's bank reputation has not reached that level yet. Therefore, it is impossible to absorb deposits as capital for loans. Therefore, the current loans are not worth the effort, so Cui Ying will not be so stupid to implement loan business immediately.

"Crackling..."

The sound of firecrackers was obviously the opening of Jingwen's banking industry. Jingwen's bank, which uses the word "bank" as the title, does not use any special names. And no one knows what the bank is going on.

"Dear bosses, our bank can exchange copper coins into gold and silver, and can also exchange gold and silver into copper coins. In the future, you can exchange them into gold from us, and then go to Luoyang or Youzhou and Guangzhou to exchange them into copper coins again, so that you can save a lot of transportation costs!" said the employee in the bank.

This street is the street with the most merchants, so many merchants heard this statement. This statement immediately surprised many large merchants because they did not expect that there was another statement. They often had to travel through different prefectures and counties to do business. The transportation cost of copper coins is a very huge cost. From transportation to protection, these require costs. If copper coins can be exchanged for high value, small size, and light weight relative to value, wouldn’t they save a lot of costs?

Save costs, that is, net profit! Therefore, many people come to consult.

"How do you exchange it for gold and silver?" someone asked.

The employee immediately said: "This is very simple. This is to exchange your copper coins into silver in proportion. Currently, one tael of silver is exchanged for one tael of silver, and ten taels of silver are exchanged for one tael of gold. Of course, it must be gold and silver coins specially minted by our bank. If it is not gold and silver coins specially minted by our bank, then gold and silver cannot be exchanged for our copper coins. If we have to exchange ordinary gold and silver for copper coins, we have to charge appraisal fees and fire consumption fees to exchange them. Moreover, the ratio of gold and silver to copper coins is also available for the market and will change at any time. However, we will not change too much."

This was actually thought of by Jing Wen, who specially minted a batch of gold and silver coins. These gold and silver coins have weights of corresponding specifications according to unified standards, and then exchanged to those merchants can be exchanged with gold and silver coins. Of course, under normal circumstances, Jing Wen does not accept ordinary people using gold and silver to exchange copper coins with unmarked gold and silver, because Jing Wen also has to worry about anti-counterfeiting and whether the purity of ordinary gold and silver can meet the requirements of gold and silver coins. If the purity cannot be achieved at that time, wouldn’t it be Jing Wen’s disadvantage? Of course, if those people insist on using unconventional gold and silver coins to exchange, it is not impossible, but they only need to charge fire consumption and identification fees.

Most people don’t know that Jing Wen actually controlled the right to issue currency in the Tang Dynasty to a certain extent. In the future, the right to issue gold and silver coins with large denominations will be in the hands of their own banks. Once everyone is used to using their own gold and silver coins, if they are unwilling to be directly adulterated. Of course, such things that damage credibility cannot be done. At that time, they can completely use the right to control the economy, and the benefits brought by this right can be said to be very huge. At that time, unless the emperor and the court are willing to let the country sink completely, they can only choose to "share the world" with Jing Wen. At that time, as long as Jing Wen does not rebel, they can only pinch their noses. Moreover, they may not be able to know what the consequences of the economy being controlled. This is the reason why ancient people did not understand commerce.

As for the exchange ratio of silver and copper coins, it is the market that will change at any time. This is to avoid losses! (To be continued, please search for Astronomy, novels are better, updated and faster!
Chapter completed!