"I still have a question that I don't understand. As far as I know, you extended the term of the loan to a very long time. Aren't you afraid of paying back so much interest?"
Today's highlight is finally here. The emperor rambled a lot. Now I hope Gao Shaoyi can explain this matter. Not to mention the emperor, not even Li Hongtang knows what Gao Shaoyi is thinking. What is it? How could Gao Shaoyi say that I have no intention of paying back the money?
The emperor also secretly summoned some economic experts, but these people did not know what Gao Shaoyi meant, because in their minds, the Daqian Empire had a long history of borrowing money from foreign banking groups, and they had not heard of anyone. Dare not to pay back the money.
"Excessive interest is certainly very scary, but as long as it is operated properly, it is not a big deal to me. At least now the annual principal and interest repayment is controlled to a level that can be repaid, and the bank's operating profit is okay..."
Gao's Bank has now started to make a profit. Of course, I can't say what the situation will be in the future. At least it is very good for the moment. Gao's Bank has already grabbed a lot of people's business since it opened in Beijing. After all, their loan interest rates are relatively good. Low.
"The Bank of the Ministry of Internal Affairs has never been profitable, so why don't I leave it to you to run the Bank of the Ministry of Internal Affairs! My requirements are not high, I just need to make a profit of 10 million a year."
After hearing the emperor's words, Gao Shaoyi almost spit out the tea in his mouth.
A profit of 10 million per year is really nothing for a national bank. As long as you use your brain a little, you can definitely make this money. But the question is, who are the people in your bank?
The sponsor of the Ministry of Internal Affairs Bank is the Ministry of Internal Affairs of the imperial court. In addition to the royal relatives and relatives as shareholders, they are some big nobles in the capital. These people opened the bank on their own and often went to the bank to borrow money. After the due date, you Just add interest directly.
Anyway, in the end, it will not be repaid, and the worst case scenario is that the Ministry of Internal Affairs Bank will declare bankruptcy.
According to the information Gao Shaoyi received, the Bank of the Ministry of Internal Affairs is currently losing more than 30 million silver coins every year.
If you want to make a profit of 10 million silver coins every year, you have to make up for this loss first. Speaking of which, you have to make a profit of more than 40 million silver coins every year. This is really difficult for Gao Shaoyi. If there is no If these junk shareholders are involved, Gao Shaoyi can definitely take over this bank.
But with these royal relatives as shareholders, it is estimated that none of Gao Shaoyi's proposals will be passed.
"Uncle, nothing can be established until it is broken. The Ministry of Internal Affairs and the Bank are the same as the Dragon Guard Army. Why should I re-establish the Armed Guard Army?"
Gao Shaoyi did not reject this matter directly, but he could tell from his words that if he wanted to make a profit for the Ministry of Internal Affairs Bank, he would have to break it and start over.
Regarding the matter of the Dragon Guards, the Emperor himself is silent, so we should not go to find that person to feel uncomfortable. It is no joke to offend all the nobles in the capital. These people may help you. It's not a big deal, but if it holds you back, each one is more powerful than the other. Gao Shaoyi doesn't want to put this burden on himself.
"But the imperial court's financial situation is so corrupt, don't you have any good suggestions?"
Regarding the economic situation of the imperial court, the emperor also hopes that it can become better, but he does not want to carry out drastic reforms. You do not want to feel pain and want to solve the crisis. How is this possible?
Gao Shaoyi could also see that the emperor must have a result today, so Gao Shaoyi's mind was spinning very fast. He could not jump into the pit dug by the emperor, but he also had to make the imperial court's financial situation a little better.
, then there must be a new method.
"Uncle, do you want the court to gain new income?"
After Gao Shaoyi said these words, the emperor's eyelids jumped. Just now, the emperor had always had the initiative. He was talking about hoping that Gao Shaoyi could take over the Ministry of Internal Affairs Bank, but when Gao Shaoyi said this
At that time, the emperor felt that the initiative had gone to Gao Shaoyi's side. Could it be that this boy was trying to lead him into a trap?
The emperor has a lot of nephews and nephews in the capital, and these people are basically nothing but freeloaders. Of course, Gao Shaoyi used to be one of these people, but now Gao Shaoyi has been completely transformed. Although the emperor feels happy from the bottom of his heart, there is also something else.
A kind of crisis is that you can't control this kid.
"Tell me your method."
Up to now, the Daqian Empire has become more and more turbulent. The financial crisis is just one of the minor crises. However, if it can be solved, it can also extend the life of the Daqian Empire.
"How much money can the emperor afford?"
When talking about business, Gao Shaoyi changed his name.
The emperor thought about the situation of the Treasury and the Ministry of Internal Affairs, and then stretched out five fingers.
This represents fifty million silver coins.
Gao Shaoyi really didn't know what to say. The king of a country could only afford 50 million silver coins.
Why is this country undefeated?
The two uncles can afford much more money than you.
The Daqian Empire is not without money. All the money in the Daqian Empire has been eaten by these moths. The lives of the common people at the lower levels are extremely difficult. Although the lives of the emperors at the upper levels are not difficult, they do not have much savings.
"If you believe my nephew, if you keep these 50 million silver coins with me, I can give you 2.5 million silver coins every year."
Even if he is his own uncle, Gao Shaoyi cannot give him too much interest. Five percent interest is already the top. Compared with the interest rate he borrows from foreigners, this is already very conscientious.
Of course, the emperor must be dissatisfied. After all, according to some of the current interest rates in the Daqian Empire, this number is too low.
"Uncle, the interest may be a little low, but I can guarantee the safety of the principal."
To be honest, Gao Shaoyi is not short of money now. There is so much money coming from Western countries. Gao Shaoyi has a lot of money in his hands, plus merit points can be turned into cash. The reason why he still accepts this deal is purely
It's to help the emperor.
If you put this money with someone else, not to mention the 5% annual interest, you may even lose the principal.
In the end, the emperor became so angry that even if he fired the person who was in charge, he might not be able to get the money back. Were such things rare in the past?
Of course, if it works well, Gao Shaoyi can use this money to earn his uncle a fortune every year...