Mu Yan wanted to stop Huo Xi from talking, but seeing that she was talking happily, he didn't speak. He listened attentively, with the corners of his mouth raised.
After Huo Xi listed Mu Yan's stingy things when he was young, he stopped talking.
"Based on the issue of credit sales at the North and South Stores, I thought of some business ideas of the bank..."
"Madam, tell me." Gen Qi looked at her seriously. Mu Yan also looked at her.
The old money banks were the predecessors of banks in later generations. Their business was to absorb gold and silver from depositors, then lend it to those who needed it, and make profits based on the interest rate difference between deposits and loans.
The rise of money banks was to help merchants who went out to do business solve the problem of carrying large amounts of gold and silver when going out. The gold and silver were first deposited in the money bank, and the silver notes could be withdrawn from the money bank in other places.
Nowadays, banks not only do not pay interest on money deposited by merchants and ordinary people, but also charge custody fees.
"When accepting deposits, for local merchants, the custody interest can be waived or lower than the previous deposit interest. In addition, especially for local merchants, credit loans can be provided to them. In addition to short-term quarterly and half-year loans, an additional one-year long-term loan can be provided.
Target. Then for local farmers, we can allow them to borrow money on credit to buy seeds every spring and autumn, with only 1% interest. Every spring, we can allow local farmers to borrow grain and cloth to help them survive the spring famine."
Gen Qi looked at Mu Yan after hearing this.
Mu Yan was also looking at Huo Xi. After a silence, he said, "Xi'er, the production of the fields is the most uncontrollable. It depends entirely on the sky for food. They have nothing to grow. Just lend them seeds to grow food."
If you still have a credit loan, it will be harder to recover the money you owe."
And they only charge a cent profit.
The interest rate of one percent is one percent of a hundred. The annual interest rate is one percent of a hundred. The annual interest rate sounds like a lot, but for the current short-term monthly interest rate of three or four percent, or even four or five percent, it is actually
It couldn't be any lower.
In addition to worrying that it would be difficult to recover the owed money, Gen Qi was also worried about the opinions of his colleagues, "Madam, will this make other banks think that we are stealing business in disguise?"
Huo Xi shook his head, "We only charge 1% from farmers, and we have not broken the rules of the industry. We provide credit loans to local traders, and other banks also have this business. It is not unconventional. It is also because I got so much money for nothing, I think
Do something for the prince and accumulate some blessings for the child in your belly."
Mu Yan and Gen Qi looked at Huo Xi's belly at the same time.
Mu Yan's eyes were gentle, Gen Qi didn't dare to look any further and quickly looked away.
"But madam, the outside world doesn't know that Sihai Bank belongs to the prince." How can we make everyone feel that the prince and his wife are doing these things for the benefit of the people and business?
If it cannot be reflected, then why launch these measures.
"It doesn't matter. If you do it, you do it. There is no need to tell others. Just have a clear conscience." Mu Yan kept his eyes on Huo Xi's belly. After he thought about it, he agreed with Huo Xi.
Gen Qi saw that the prince agreed and that his wife had a plan, so he nodded in agreement.
Huo Xi smiled and reassured: "Every day the North and South Merchant House sends their money to Sihai Bank, and everyone knows it. Foreign merchants know that even the crown prince trusts Sihai Bank, so they will naturally trust Sihai Bank as well. For Sihai Bank, it will be launched in the future.
A series of measures that benefit the people, business and farmers will naturally be pursued. In the short term, the merchants and banks are willing to sacrifice small profits, but in the long term, there are more merchants, and although the profits are small, the sales are high. When the general ledger is calculated at the end of the year, the profits are not
It will be less than before.”
"Yes, please keep this in mind."
Two days later, at the inspection office of the North and South Commodity Stores, the merchants went to the accounting room to settle the payment for the goods and when they went to pick up the goods with their tickets, they made a new discovery.
Under the plaque "Yi Shang" inscribed by the emperor, two more plaques were hung. One said, "I would rather ask for compensation than let the guest suffer a loss." The other said, "The scale is even, the bucket is full, and the ruler is satisfied."
Extraordinarily eye-catching.
When the illiterate people asked, the waiter read it loudly to them enthusiastically, which made all the listeners feel excited.
"This is good. Although my old lady doesn't know how to read, she likes words that are so simple and can be understood. I love hearing these two sentences!"
He didn't even let the clerk inspect the goods one by one, but just put them in the basket, "No need to inspect, no need to inspect, the shop opened by the Crown Prince's wife was praised by even the emperor, so we ordinary people can buy with confidence."
After further inquiries, it was found that all the money that had been defrauded by Li Daitao was recovered from the store. The old lady and others were so happy that they clasped their hands together and thanked heaven and earth.
"Oh, this is good. I heard that the Crown Prince's wife was defrauded of so much money. I was so worried that I couldn't eat or sleep well. I was always worried that the shop would not be able to continue operating and would close down. Now it's good, don't worry.
Now. I like to go to the North and South Stores to pick and buy goods. Now I feel relieved."
I don’t want the help of the waiter to carry it, and I wave my hands repeatedly: "I don’t want you, I can carry it. I bought less today, and I will come again tomorrow."
"Okay, welcome back. My family is a good boy. Please give me your instructions if you need anything."
The old lady waved her hand and said, "Okay, we all trust Madam Prince. I didn't have any further instructions. I'm going home." She walked briskly.
The news that the North and South Stores had recovered the payment for goods spread throughout the city within one day.
"I said it's no problem. Who dares to take away the prince's money? I heard that the prince has a private soldier in his hands. Where can he escape? He can be traced back to the ends of the earth."
It seems that the North and South Goods Stores can continue to operate. Some people are happy, while others are worried. Merchants whose business has been affected are increasingly worried.
I saw loopholes in the credit payment before, which aroused the thoughts of many people. After hearing this, such thoughts did not dare to come up again.
He even asked quietly: "Did the prince catch those people? How did they deal with them?"
"I haven't heard about that. I only know that the payment for the goods was recovered. It's several million. If you are caught, you won't be able to skin yourself?"
Those who understand the law should quickly spread the word, "It's not just peeling off a layer of skin, but also killing with a rod or abandoning the market!"
They understand that killing with a rod is to beat people to death with sticks. Some people in the abandoned market do not understand, so some people help popularize it... It is to be executed in the busy city in front of the people. The criminal is publicly executed in the street, so that the criminal can suffer
Even if the people cast aside and reincarnated, they would not be able to survive. This also serves the purpose of warning the people.
After hearing what he said, everyone shuddered. It was not enough to execute him quietly in the prison cell at the Yamen, but he had to abandon the market!
"You said that if the prince catches someone, should he order the Yamen to kill him with a stick or abandon the market?"
The people were discussing it enthusiastically, and Mu Yan was also thinking about this issue.
A few days ago, he had ordered people to close the net, capture "Mei Weiling" and others and imprison them in one place before they could be dealt with.
At that time, "Mei Weiling" and others took the goods on credit and sold them inside and outside the customs. Because the goods from the north and south goods houses were of excellent quality, they sold quite well.
Within two months, the goods worth a million taels were worth several times. But before they could enjoy it, they were captured by Mu Yan's people. Except for a small amount of the money sold, most of the money was spent by a few of them.
All were confiscated.
In this way, more than three million taels of goods were obtained.
Huo Xi asked him to temporarily store the money in Sihai Bank and use it for the construction of Yunnan in the future.
As for "Mei Weiling" and others...
"Just leave it to the Yamen, why bother?" Huo Xi said when she saw that he was troubled.
The commerce of this dynasty was so prosperous that fraudsters emerged one after another. Although Emperor Yongkang was a ruthless and decisive man, he could not prevent risky fraud.
We can only formulate extremely strict laws against those who steal and defraud people's money, and even resort to abandoning the market, which is a cruel method second only to Ling Chi.
"Before, you asked the bank to do some measures to benefit the people, agriculture and business. You said it was to accumulate blessings for the children. I also want to accumulate blessings for the children." So I haven't decided how to deal with them. He has never considered these before.
If you use torture and punishment, you should kill and kill.
But now that he discovered that he had a weakness, he couldn't help but think more about it.
