Chapter 364 Business Scope of Jingfa Bank
After Gao Gong finished talking about the small amount of banknotes that had just been exchanged, he also looked around and looked at all the people who came to support the opening of the Jingfa Special Economic Zone Development Bank.
Then Gao Gong continued: "The small amount of newly exchanged banknotes is for the convenience of all the people in the Capital Special Administrative Region and all the merchants who come to the Capital Special Administrative Region to do business. This is also the special grace of the Holy Emperor and the imperial court. You must know the meaning of banknotes. The production cost is very high, and it is almost difficult to maintain the cost if it is not made into a large amount of money."
"But the Holy One and the imperial court specially gave this grace for the development of the Capital Special Zone. Let the Beijing Special Administrative Region Development Bank produce and issue such small-denomination banknotes. "
When Gao Gong said this, people who were knowledgeable and ignorant nodded in agreement.
The process of making banknotes is indeed a very costly investment. If the quality and materials are not selected well, it is very likely that they will be privately produced by daring desperadoes with ulterior motives.
So, whether it is a large bank or a wealthy businessman who can only do bank business in one place, they have to invest huge costs in anti-counterfeiting of banknotes almost every year.
So when Gao Gong said this, they had no refutation.
I even thought that the Beijing Special Economic Zone Development Bank would definitely lose money if it wanted to issue such small-denomination banknotes.
But what they don’t know is that, under the discussion and experiments of Zhu Zaijing and a group of craftsmen, the Beijing Special Economic Zone Development Bank now has the ability to produce a new generation of banknotes with watermarks for anti-counterfeiting, and uses The paper is also different from the Korean paper used by mainland banks.
The new paper used by the Capital Special Administrative Region Development Bank is a special paper made by blending more flexible Western cotton and grassland wool. This kind of paper was also tested by Zhu Zaijing. Even if it is wrinkled, even if it is rubbed, It has been soaked in water. As long as it is unfolded flatly, it will not stick together or become hard and out of shape.
It feels completely similar to the banknotes of later generations.
It is a pity that in this era there is no way to measure the pH value and detect whether it is acidic paper or alkaline paper.
The anti-counterfeiting technology is also relatively "rudimentary". At present, it can only make watermarks. As for ultraviolet anti-counterfeiting, it is still difficult to achieve.
Of course, this does not hinder its advanced nature. The papermaking materials and papermaking technology used in these banknotes are not accessible to ordinary people.
And people who can get this kind of papermaking materials and papermaking technology don't have to take such a big risk to make counterfeit banknotes.
Because even if they are made, they do not have the stamping effect and cutting effect provided by the steam engine as auxiliary anti-counterfeiting.
Once you get started, it is easy for others to detect the authenticity.
So, the set of banknotes that Zhu Zaijing has now produced is at least two hundred years ahead of the previous version!
This gap of two hundred years cannot be caught up overnight.
Moreover, as they continue to develop, these banknotes will only add more and more complex anti-counterfeiting technologies, causing the cost of counterfeiting to far exceed the actual face value cost.
Therefore, Zhu Zaijing also boldly affirmed that even if he announced the method of making banknotes, it is unlikely that anyone would spend more than one hundred yuan worth of money to make a banknote with a maximum value of one hundred yuan. banknotes with face value. Because it doesn't matter at all.
But others can't do it, it doesn't mean that Zhu Zaijing can't do it, because Zhu Zaijing used a steam engine that is more economical and more efficient than labor costs, so whether he is making a penny worth of Whether it is banknotes or making banknotes with a face value of 100 yuan, Zhu Zaijing can take into account the cost.
Gao Gong continued: "In addition to this kind of small-amount newly exchanged banknotes, Jingshi Special Economic Zone Development Bank also has large-amount business similar to ordinary banks. However, our large-amount business is different from ordinary banks. The banknotes are different.”
"Large-value banknotes issued by ordinary banks are bearer, but Jingshi Special Economic Zone Development Bank needs to be registered. Therefore, when making large-value deposits and withdrawals at Jingshi Special Economic Zone Development Bank, we need to verify the deposit and deposit receipts. Only the holder’s identity information can be used to deposit or withdraw money.”
“Of course, in order to express the complexity brought by this method, Jingshi Special Economic Zone Development Bank also makes such large deposits and withdrawals. No interest or fees will be charged. On the contrary, the Jingshi Special Economic Zone Development Bank will also give the depositor a certain amount of interest based on the amount and time of deposit."
When Gao Gong said this, it was like an explosion. Same as the pot.
Everyone present never expected that one day when they deposited and withdrawn money at a bank, they would actually get interest from the bank. You must know that in traditional banks, people have to collect interest and benefits from the banker.
Now the Beijing Special Economic Zone Development Bank is doing the opposite, which is really unexpected.
Then someone asked loudly: "President Gao, if you give interest, won't your bank lose money? How can a losing business last long? Moreover, if we continue to lose like this, how dare we keep our money with you?" ?"
Gao Gong looked at the man who asked loudly, and he responded with a good temper: "These questions are indeed very important."
< br>Gao Gong paused for a moment, and after attracting everyone's attention, he continued: "But you must also understand the difference between Jingshi Special Economic Zone Development Bank and ordinary banks. First of all, Jingshi Special Economic Zone Development Bank is a bank; It is not a bank. Therefore, its business scope is different from that of ordinary banks.”
“In addition to traditional bank businesses such as bank deposits and exchanges, our Jingshi Special Economic Zone Development Bank also has loan business. The original intention of the Special Economic Zone Development Bank was to serve the development and construction of the Special Economic Zone. Therefore, for all merchants who want to do business in the Special Economic Zone, as long as you have corresponding credit and collateral, the Special Economic Zone Bank will give you five to ten Long-term loans ranging from years to years. "
"And these loan interests are the source of profit for our Jingshi Special Zone Development Bank, so you don't have to worry about the profitability of Jingshi Special Zone Development Bank because before this, Jingshi Special Zone Development Bank. The bank has already loaned money to Shunyi Industrial Park to build a business headquarters in the Beijing Special Economic Zone.”
"In the future, all merchants who have business dealings with Shunyi Industrial Park can conduct negotiations and transactions in this newly built business headquarters. At the same time, Shunyi Industrial Park will also transfer light processing industries to the inside of the special zone."
"At that time, according to the agreement, our Jingshi Special Economic Zone Development Bank will serve as the salary deposit and payment bank for workers in Shunyi Industrial Park. Moreover, all future business dealings with Shunyi Industrial Park will also be settled and audited by Jingshi Special Economic Zone Development Bank."< br>
“So, you don’t have to worry about the profits of Jingshi Special Economic Zone Development Bank at all. As long as Shunyi Industrial Park is here, Jingshi Special Economic Zone Development Bank will always be there. At the same time, I also announce here that if your business names are in the future, If necessary, Jingshi Special Economic Zone Development Bank can also provide you with such business. At the same time, it will also provide you with corresponding deposit interest based on the size of your business.”
“And if you also want to open one in Jingshi Special Zone. The Guild Hall Headquarters and the Jingshi Special Economic Zone Development Bank will also issue long-term low-interest loans based on your credit conditions and mortgages to help you develop and take root in the Jingshi Special Zone as soon as possible.”
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(End of this chapter)