Nowadays, there are no aids such as computers. If all the people are allowed to save money, and faced with a huge number of people, the bank will need to recruit a lot of people to deal with this situation. Not only does it reduce efficiency, but it also makes the bank
The increased cost is simply not worth the gain.
Therefore, Handu has no intention of using interest to attract deposits. Instead, it will charge fees to depositors. In this way, only people like Chang Hao who have huge sums of money will be willing to deposit money in the bank.
Come, indirectly screen out high-quality customers.
Just like when Shibosi opened, in order to increase its popularity, Handu still paid for jugglers and lion dancers to perform at the entrance, attracting a large number of people to watch.
There are also bank clerks who have printed flyers and are constantly explaining the role of banks to the people around them.
Originally, there were still people who were interested in this novel thing, but after hearing that after depositing money in the bank, they would be charged a hundred and one dollars per year as a fee, almost most people shook their heads subconsciously.
The savings of ordinary people's families can only be a few dozen guan at most. Even this is still a betrothal gift for a son or a dowry for a daughter.
With this little money, you can just find an earthen pot at home, dig a hole in the ground and bury it. Or you can hide it at the head of the bed or in the corner, and no one will find it. Why deposit it in the bank?
You have to give money to the bank every year, only a fool would do this.
Although it only costs ten pennies per year, dozens of pennies are still a lot. No one's money comes from the strong wind, so how can the bank benefit from it in vain?
After hearing this, the people turned their heads and concentrated on watching the juggling and lion dance, and no longer paid attention to the bank clerk beside them.
The busboys were not annoyed. Seeing that no one wanted to listen to their noise, they stopped and joined the crowd to watch the juggling and lion dancing.
But the words of the handyman are not without effect. There are still a few people with some wealth who have ideas in their minds after listening to it.
The wealth of these people is more than a few hundred or even thousands. They cannot afford to hire a caretaker, and the method of saving money in the past was very simple and crude, that is, converting all their money into copper coins.
One copper coin weighs eight thousand kilograms, and one thousand copper coins weighs eight thousand kilograms. No matter how powerful the snitch is, it is impossible for him to steal eight thousand kilograms of copper coins overnight.
But saving copper coins is not without problems. If kept for a long time, they will turn black and moldy. The value of such copper coins will naturally drop greatly. In disguise, they are losing money every year.
If you convert all the money into banknotes and deposit it in the bank, although it will cost a little every year, it will actually be about the same compared to the annual losses.
Even if they had such an idea, no one would rush forward to save money. Giving away their possessions to others for nothing would make anyone feel uncomfortable and would naturally resist.
Han Du and Zhu Biao came in from the side door and came to the bank counter. They saw that except for the people from the bank standing behind the counter, there was no one there.
Zhu Biao sighed and said helplessly: "As expected, there is really no one."
Seeing that it was all empty, with no common people saving money, Zhu Biao suddenly felt uncomfortable. After all, according to Han Du, even if the income is 1 in 100 every year, as long as you save more money, the amount will be extremely considerable.
If you save a hundred strings, you will be consistent
One million guans, there are 10,000 guans
If there are 10 million guan, that would be 100,000 guan per year.
"Your Highness, it is not easy for people to make money. Even if it is just a few dozen pennies, it may only be something they can earn in a day or two." Han Du complained to Zhu Biao about the people's hardships. He hoped that the future emperor of the Ming Dynasty would
, don’t put your ideas on ordinary people. If the Ming Dynasty puts its idea of making money on ordinary people who are precarious, then Han Du feels that it is better for such a Ming Dynasty to perish as soon as possible, and his own efforts are meaningless.
"What we really have to deal with are those who can make money easily and have a strong family background."
Zhu Biao nodded in agreement with Han Du and agreed with Han Du's statement. He looked up at the lively scene outside the door and no longer thought about how to make money.
Anyway, Han Du said that the current bank is just an experiment, and we don’t know whether it will succeed in Chengdu.
If it fails, Han Du will naturally take the trouble. If it succeeds, it will only be good for Zhu Biao.
There was a burst of noise just outside the door, and the people turned around and looked behind them.
The juggling and lion dance, which had attracted everyone just now, actually lost interest in an instant.
I saw several carriages slowly approaching on the street behind me.
Everyone involuntarily moved out of the way, and the carriage came directly to the door of the bank before stopping.
The green and black curtain was opened by the coachman, and a snow-white hand stretched out from the inside of the carriage.
Just showing one hand attracted the attention of everyone around him, and one could even hear the strange sound of someone's throat squirming.
"This is Miss Yaoyue."
"Really Yaoyue girl"
"And Miss Xiangxue and Yanxue"
Xiangxue and Yanxue got off the carriage and swayed to Yao Yue's side.
Seeing Yaoyue holding the moon like a star, being watched by everyone, Xiangxue couldn't help but chuckle, and said funnyly: "My sister is really lovable now, no matter where she goes, she can attract everyone's attention."
"That's right, who in the capital doesn't know that our sister Yaoyue is not only the most beautiful woman in the capital, but also the richest beauty in the capital? That is to say, the sister does not lie, otherwise as long as the sister is willing to show her face, I am afraid that Jiaofang
The threshold of the company will be broken down by others." Yanxue also laughed and booed at the side.
Yao Yue was teased by the two, and no matter how cold-tempered she was, she had to respond: "You are also famous all over the capital now, and you are also a person with a hundred thousand yuan. The person in the Jiaofang Department who wants to see you now,
They are all queuing up. Why did I hear that you didn’t even open tea shops?”
Xiangxue had a straightforward temper. She would say anything and scolded: "Huh! In the past, I was short of money and wanted to earn money to support myself in old age. Now that I am not short of money, I naturally don't bother to look at their faces. I didn't expect that those men would actually
They are bitches, I don’t want to see them anymore, but they come to my door begging for help, do you think it’s funny or not?”
Yanxue smiled in agreement, her situation was similar to Xiangxue's.
Yao Yue shook her head slightly and sighed. She was too lazy to pay attention to Xiangxue who was speaking out loud, and walked straight into the bank with the maid.
When Han Du saw Yao Yue coming in, his mind suddenly fell into a trance.
Yao Yue didn't expect that Han Du would be here. She didn't know if she should let go of the steps she had just taken, or should she shrink back. Now there is no assistance such as computers. If everyone were to save money, they would be faced with a huge amount of money.
people, the bank will need to recruit a lot of people to deal with this situation. Not only does it reduce efficiency, but it also increases the costs paid by the bank, which is simply not worth the gain.
Therefore, Handu has no intention of using interest to attract deposits. Instead, it will charge fees to depositors. In this way, only people like Chang Hao who have huge sums of money will be willing to deposit money in the bank.
Come, indirectly screen out high-quality customers.
Just like when Shibosi opened, in order to increase its popularity, Handu still paid for jugglers and lion dancers to perform at the entrance, attracting a large number of people to watch.
There are also bank clerks who have printed flyers and are constantly explaining the role of banks to the people around them.
Originally, there were still people who were interested in this novel thing, but after hearing that after depositing money in the bank, they would be charged a hundred and one dollars per year as a fee, almost most people shook their heads subconsciously.
The savings of ordinary people's families can only be a few dozen guan at most. Even this is still a betrothal gift for a son or a dowry for a daughter.
With this little money, you can just find an earthen pot at home, dig a hole in the ground and bury it. Or you can hide it at the head of the bed or in the corner, and no one will find it. Why deposit it in the bank?
You have to give money to the bank every year, only a fool would do this.
Although it only costs ten pennies per year, dozens of pennies are still a lot. No one's money comes from the strong wind, so how can the bank benefit from it in vain?
After hearing this, the people turned their heads and concentrated on watching the juggling and lion dance, and no longer paid attention to the bank clerk beside them.
The busboys were not annoyed. Seeing that no one wanted to listen to their noise, they stopped and joined the crowd to watch the juggling and lion dancing.
But the words of the handyman are not without effect. There are still a few people with some wealth who have ideas in their minds after listening to it.
The wealth of these people is more than a few hundred or even thousands. They cannot afford to hire a caretaker, and the method of saving money in the past was very simple and crude, that is, converting all their money into copper coins.
One copper coin weighs eight thousand kilograms, and one thousand copper coins weighs eight thousand kilograms. No matter how powerful the snitch is, it is impossible for him to steal eight thousand kilograms of copper coins overnight.
But saving copper coins is not without problems. If kept for a long time, they will turn black and moldy. The value of such copper coins will naturally drop greatly. In disguise, they are losing money every year.
If you convert all the money into banknotes and deposit it in the bank, although it will cost a little every year, it will actually be about the same compared to the annual losses.
Even if they had such an idea, no one would rush forward to save money. Giving away their possessions to others for nothing would make anyone feel uncomfortable and would naturally resist.
Han Du and Zhu Biao came in from the side door and came to the bank counter. They saw that except for the people from the bank standing behind the counter, there was no one there.
Zhu Biao sighed and said helplessly: "As expected, there is really no one."
Seeing that it was all empty, with no common people saving money, Zhu Biao suddenly felt uncomfortable. After all, according to Han Du, even if the income is 1 in 100 every year, as long as you save more money, the amount will be extremely considerable.
If you save a hundred strings, you will be consistent
One million guans, there are 10,000 guans
If there are 10 million guan, that would be 100,000 guan per year.
"Your Highness, it is not easy for people to make money. Even if it is just a few dozen pennies, it may only be something they can earn in a day or two." Han Du complained to Zhu Biao about the people's hardships. He hoped that the future emperor of the Ming Dynasty would
, don’t put your ideas on ordinary people. If the Ming Dynasty puts its idea of making money on ordinary people who are precarious, then Han Du feels that it is better for such a Ming Dynasty to perish as soon as possible, and his own efforts are meaningless.
"What we really have to deal with are those who can make money easily and have a strong family background."
Zhu Biao nodded in agreement with Han Du and agreed with Han Du's statement. He looked up at the lively scene outside the door and no longer thought about how to make money.
Anyway, Han Du said that the current bank is just an experiment, and we don’t know whether it will succeed in Chengdu.
If it fails, Han Du will naturally take the trouble. If it succeeds, it will only be good for Zhu Biao.
There was a burst of noise just outside the door, and the people turned around and looked behind them.
The juggling and lion dance, which had attracted everyone just now, actually lost interest in an instant.
I saw several carriages slowly approaching on the street behind me.
Everyone involuntarily moved out of the way, and the carriage came directly to the door of the bank before stopping.
The green and black curtain was opened by the coachman, and a snow-white hand stretched out from the inside of the carriage.
Just showing one hand attracted the attention of everyone around him, and one could even hear the strange sound of someone's throat squirming.
"This is Miss Yaoyue."
"Really Yaoyue girl"
"And Miss Xiangxue and Yanxue"
Xiangxue and Yanxue got off the carriage and swayed to Yao Yue's side.
Seeing Yaoyue holding the moon like a star, being watched by everyone, Xiangxue couldn't help but chuckle, and said funnyly: "My sister is really lovable now, no matter where she goes, she can attract everyone's attention."
"That's right, who in the capital doesn't know that our sister Yaoyue is not only the most beautiful woman in the capital, but also the richest beauty in the capital? That is to say, the sister does not lie, otherwise as long as the sister is willing to show her face, I am afraid that Jiaofang
The threshold of the company will be broken down by others." Yanxue also laughed and booed at the side.
Yao Yue was teased by the two, and no matter how cold-tempered she was, she had to respond: "You are also famous all over the capital now, and you are also a person with a hundred thousand yuan. The person in the Jiaofang Department who wants to see you now,
They are all queuing up. Why did I hear that you didn’t even open tea shops?”
Xiangxue had a straightforward temper. She would say anything and scolded: "Huh! In the past, I was short of money and wanted to earn money to support myself in old age. Now that I am not short of money, I naturally don't bother to look at their faces. I didn't expect that those men would actually
They are bitches, I don’t want to see them anymore, but they come to my door begging for help, do you think it’s funny or not?”
Yanxue smiled in agreement, her situation was similar to Xiangxue's.
Yao Yue shook her head slightly and sighed. She was too lazy to pay attention to Xiangxue who was speaking out loud, and walked straight into the bank with the maid.
When Han Du saw Yao Yue coming in, his mind suddenly fell into a trance.
Yao Yue didn't expect that Han Du would be here. She didn't know whether to put down or retract the steps she had just taken.