Chapter One Thousand Seven Hundred and Forty Four: Another Way
Tong Ling's words instantly resonated with everyone, and the eyes of all the businessmen present flashed. There was an embarrassed one who even smiled dryly and lowered his head after meeting Han Du's gaze.
But there are also those who look like they are dead, and they are determined not to pay.
Han Du chuckled, shook his head and said, "So, you are not willing to lend money?"
As soon as these words came out, the atmosphere in the hall instantly solidified like ice, and the mist rising in the tea cup seemed like a cold breath.
Faced with Han Du's tough questions, these businessmen did not dare to offend Han Du. Everyone's eyes kept communicating, and finally Tong Ling hurriedly explained, "My father-in-law misunderstood, it's not that we are unwilling to pay."
Duke Zhen Guo was the top duke in the Ming Dynasty. He personally sent a famous invitation to invite them. If they didn't get a cent, it would be unjustifiable.
And since they were willing to accept the invitation, they certainly didn't think about losing any money.
Tong Ling paused for a moment, then cautiously said with a smile, "Master, do you think this is okay? Each of them has given out 20,000 guan, and the younger one has given out 30,000 guan. Needless to say, they have borrowed it. Just treat it as a little filial piety from us. This is fair."
Can I see it?"
Tong Ling and others are willing to spend 20,000 to 30,000 guan to buy peace of mind. If this matter continues to be delayed, their losses may exceed 30,000 guan in a short time.
Instead of doing this, it would be better to use some blood to resolve the matter completely, and even Tong Ling and others are ready to make a big noise in the imperial court.
Looking at the cautious looks of these businessmen who were afraid of getting angry, Han Du was not only not angry, but also laughed.
He shook his head and said, "It goes without saying that there is such a thing as filial piety. The imperial court will never do anything cunning and plundering."
"No, sir, this is all what you want."
Han Du raised his hand slightly, stopped what he was saying, and said with a smile on his face, "I said, the court will not do anything to take advantage of. I have another plan here, are you willing to listen to it?"
Another plan: Tong Ling and others looked at each other in confusion and glanced at each other for a few times. They all agreed that it would be fine if there was some blood, but Zhen Guogong kept refusing, and there was nothing they could do.
Although I don’t know what the plan mentioned by the father-in-law is, but it seems like it wouldn’t hurt to listen to it?
Through eye contact, Tong Ling understood the thoughts of the others, raised her head with a smile and said to Han Du, "Yes, of course we are willing. No matter what your father-in-law has to say, we are all ears."
Han Du nodded with satisfaction, pointed to the person on the right, and introduced enthusiastically, "This is the head of the Royal Bank, Yin Changlong."
"I've met Chief Yin.
"Businessmen greeted Yin Changlong one after another.
Although these businessmen are all wealthy and have many contacts with banks, they have never met the bank director.
Yin Changlong also smiled and bowed slightly to everyone in return.
What is the Royal Bank doing here? Could it be related to borrowing money from the court? But that’s not right. If the Royal Bank wants to lend money to the court, then they can just negotiate directly. Why do they have to come here?
Han Du did not give Tong Ling and others time to guess, and said directly, "Aren't you worried that you won't be able to get back the money you lent to the court? Now I have a compromise."
"Please speak frankly, sir." The businessmen also became interested and nodded in response.
Han Du's face became serious, "You can lend the money to the bank, and then the bank will lend the money to the court. But don't worry, although the money was given to the court, there is no debt relationship between you and the court. In the future, the bank will
I will return the money to you with interest. Of course, in this way, after all, it has gone through the bank, so the interest will definitely not be 15% of the original amount. What do you think? Can you accept it?"
ah
Tong Ling's eyes suddenly lit up.
Other businessmen also looked surprised, and some even whispered excitedly.
This plan seems to be very promising!
Just adding a Royal Bank in the middle perfectly solved their worries. They lent money to the bank, and the bank lent the money to the court, and the court used the money to build the railway tracks.
When the railway tracks make money in the future, the court will return the money to the bank, and the bank will return the money to them.
Although the interest is less than lending money directly to the court, the advantage is that you don’t have to worry about being swallowed up!
Tong Ling and others cannot trust the court, but they can trust the bank.
Since the bank was first established, its main business has been the deposit and withdrawal of money by these businessmen. Even now, these businessmen still have a lot of money in the bank. How can they not trust it?
"Master, how much is the interest?" Tong Ling smiled flatteringly and had to admit that he was moved.
Han Du stretched out a finger with a smile, "10%!"
10% of this
Yin Changlong responded with a smile and said, "You are all business people all your life. You should know the rules of doing two things and adding one to five."
.However, since it is the father-in-law who has opened his mouth today, let the bank suffer some losses. The bank only takes five cents of interest, and you get 10%."
Tong Ling and others nodded, there are indeed such rules in business. Logically speaking, they can only get 70% and 50%, but now they can get 10% because the father-in-law is taking care of them.
A flattering smile appeared on Tong Ling's face, and she bowed slightly and said, "My lord, not only did you save us from worries, but you also took good care of us. If we refuse again, it would be too disrespectful."
"As the father-in-law said, we will lend the money to the bank at an annual profit of 10%."
With the bank as the mediator, the incompatibility between merchants and the court disappeared instantly, and borrowing money became very smooth.
Wang Yuanji, Yin Changlong, Tong Ling and others reached an agreement after a brief discussion.
Han Du was also very satisfied with the efficiency of these people. Seeing that they were almost done talking, he smiled at Yin Changlong and said, "Your bank can also get a special voucher for this transaction."
"Certificate? Please help me clarify my doubts." Yin Changlong was stunned for a moment and quickly bowed to Han Du.
Han Du thought for a moment and said with a smile, "It's similar to the securities sold by the Bank. Since you are borrowing money here, let's call it a bond. Banks sell bonds, and anyone who is willing to buy can come and buy them. Wait for an agreement.
When the time comes, people come with their bonds to withdraw their money.”
When Tong Ling heard this, she opened her mouth with joy. Once the bond came out, they completely cut off their connection with the court. They just paid for the bond, no matter what the bank did with the money. Anyway, when the time came, they
Just take the bonds and exchange them for money.
He quickly said, "Just follow what the father-in-law said."
Before Yin Changlong had time to react, he heard Tong Ling agree. He pondered for a moment, and his smile suddenly bloomed, "Okay, just as the father-in-law said."
Even businessmen like Tong Ling are not worried, so what else does he have to worry about? Anyway, the Royal Bank takes money to do things, so it doesn't suffer any loss.
Unless the imperial court dares to blackmail the bank's money! But does the imperial court dare to do this? Impossible.
The Royal Bank is the emperor's money bag. Who dares to hack the bank's money without the emperor settling the account with him?
I originally thought that the matter was settled in this way, but I didn't expect that Han Du added with a smile, "Moreover, this bond can not only be sold to them, but also to the common people."
"Sell it to the people?" Yin Changlong was puzzled. "The court needs a huge sum of four million yuan. How much can the people buy?"
Han Du burst into laughter, "Of course one common person can't buy much, but there are many common people. If four million common people buy it, wouldn't everyone buy it all?"
Yin Changlong suddenly opened his mouth. There was no way to think that Han Du was wrong. But he really didn't think that the people could be of much use. Although the people would save money in banks, their money was limited after all, and each person could not save much.
In addition, ordinary people are not keen on depositing money in banks. Their numbers are small, and they are not as worried about being stolen as people like Tong Ling.
This is because the Royal Bank has been open for so many years, and its main business is still dealing with businessmen.
Once all three parties are satisfied, things will move forward quickly.
After Yin Changlong returned, he reported to Zhu Yunye overnight.
"You said that the Duke of Zhen Guo proposed that banks sell the bonds and then let the people buy them?" Zhu Yunye showed a surprised look at first, and then a satisfied smile appeared on his face. "Maybe the Duke of Zhen Guo has a way, so that such a troublesome thing can be solved so perfectly.
It’s solved.”
"Then, what the emperor means is that banks sell bonds and let the people buy them?" Yin Changlong thinks that this is okay, and it looks good anyway.
Zhu Yunye immediately pointed at him and said with a smile, "Let the people buy it? Didn't you realize? This is the purpose of Zhen Guogong?"
"Ah? The purpose of the government," Yin Changlong thought quickly.
After a few breaths, he suddenly raised his head and asked with shock in his eyes, "Does the father-in-law also want to buy bonds?"
Zhu Yunye nodded slightly and said with a smile, "You are quite clever. Of course the Duke of Zhen wants to buy bonds. You have encouraged the people to buy them. Isn't the Duke of Zhen a common person?"
Yin Changlong was shocked and quickly changed his words: "Then do you want me to ban people from buying?"
He knew why the imperial court would rather borrow money and build the railway track itself because it was unwilling to hand over the construction of the railway track to Duke Zhen. If Duke Zhen was allowed to buy bonds now, wouldn't it be in line with the emperor's intention?
Violate?
Zhu Yunye was not angry. He waved his hands calmly and said with a smile, "No! I am not so stingy. Since the Duke of Zhen is willing to contribute to the construction of railway tracks, it doesn't hurt to let him get some interest!"
Yin Changlong didn't understand the difference yet, but Zhu Yunye knew it very well. If Han Du was allowed to build the railway track, the profit would be too great. But now that Han Du has lost the opportunity to build the railway track, he didn't say anything. See Han Du
Being so generous, Zhu Yunye didn't mind letting him earn some interest.