"Old Cao, let's be honest. Everything is normal on your Jinfeng account. You just have no cash. As long as you have cash, you will be a prosperous business. Two thousand guan is only enough for you to purchase hemp materials. Other expenses
What are you going to do? How about I lend you 3,000 guan at a time, with an interest rate of 15%? What do you think? If you don’t need to use your house as collateral for 3,000 guan, a shop will be enough." Huang Zhien looked at the data sent by the accountant and compared it.
Shopkeeper Cao said.
"Really, Brother Huang, thank you. The monthly interest rate is 15%. This interest rate is very kind. I thank you." Shopkeeper Cao burst into tears when he heard Huang Zhien's words. In the past, the best warm soup in the temple was 10% monthly interest rate.
Fifth, I didn’t expect that the bank didn’t take advantage of the situation and gave me the best discount.
"Old Cao, you didn't hear clearly. The annual interest is 15%. It's not usury money. You need to pay 15% interest a year. If you can't pay the principal when due, after paying the interest
After that, you can apply for an extension. You have two chances to extend it. Please listen carefully this time."
Shopkeeper Cao had a buzzing sound in his throat. He kept buzzing. He felt that the color of the sky and the earth had changed. Only the words "annual interest" were swirling in his mind. Did God open his eyes? I can't faint, I must persist.
I signed the contract and then got dizzy. What if Old Huang is confused? I want to calm down, calm down.
The calm habit developed over many years in the business field allowed Lao Cao to take over the contract and read it word for word. Yes, he used the Jinfeng number as a pledge and loaned three thousand copper coins with an annual interest of 15%. He applied for extension twice.
This is not a business opportunity, this is a Bodhisattva descending to earth.
Seal, fingerprint, signature, Lao Cao made four or five finger prints. He wanted to put some seal mud on himself and lie down on it. Okay, it's signed. It's just time to get the money. It's just time to get the money. Forefathers
Zong Baoyou, let me get the money.
"Old Cao, what are you doing with those fingerprints? The contract is done. There are official scribes over there. Let's leave a foundation in the government so that we can have a certificate in the future." Huang Zhien looked at the two contracts in a mess. He felt that Old Cao
Going crazy.
The old scribe, Old Cao, knew him from Chang'an County. After reading the contract, the old scribe asked: "Is it agreed to by both parties?" Huang Zhien nodded, and Old Cao almost became a chicken pecking at rice.
Already.
Now that the government has a backup, Lao Cao is relieved. Before he can ask about the money, Huang Zhien asks him: "Lao Cao, you are going to the countryside to collect linen. Of course, copper coins are better. Do you think this will work? Here it is.
A thousand guan of gold, a thousand guan of silver pancakes, a thousand guan of copper coins, what do you think?"
"Brother Huang is very thoughtful. What else can I say? This is the best. Copper coins are traded with the villagers. Silver is traded with the government. Gold is traded with other merchants. The banker is very thoughtful. I admire you very much."
In order to expand his influence, Huang Zhien specially brought Lao Cao to the bank. As soon as the iron door opened, Lao Cao felt like he couldn't hold his urine. Boxes of gold nuggets and shelves full of silver cakes were piled as high as a mountain.
The amount of copper coins made him almost breathless.
The gold was weighed, the silver pancakes were bitten one by one, and the quality of the copper coins was tested one by one. The iron carriage carrying the money was about to be delivered to Lao Cao. Once the money was in hand, Lao Cao's business habits developed over many years appeared.
"Brother Huang, this is a huge fortune. If I take this money with me, it may bring trouble to my family. I wonder if you can continue to keep this money here. It depends on me how I pay for the storage fee."
"Old Cao, you are the first customer. I just thought about letting you get the money. I forgot that there is another way, which is to save money. That is to say, you will definitely not be able to use these 3,000 yuan for a while. Why not?
If you continue to keep it in the bank, you don't have to pay the storage fee. The bank will also pay you interest every month, and the annual interest is one cent. You will be given a certificate and you can withdraw it as you please, so you don't have to worry about getting into trouble."
Shopkeeper Cao felt that he didn't have enough thoughts today. The bank was giving him one shock after another, and a huge good thing happened to him. Now he lets others keep the money, and not only does it not charge, but the money is returned. What's the point?
?
He pulled Huang Zhien aside and bowed first before speaking: "Brother Huang, this is not the way to do business. Now that I have borrowed money, please tell me who did this business? The Yun family? Cheng
Family? Niu family? Or are the three of them a joint venture? I don’t know the details, so I feel uneasy.”
"What are you thinking, Yun, Cheng, and Niu families dare to do this kind of business that invites people to buy people's hearts? You don't even look at who the warehouse guards are, and you still don't understand that many years of business experience have been read into the dog's belly.
"
Lao Cao's eyes widened. He didn't dare to think about it anymore. He looked back at the guards dressed in armor, with swords out of sheaths and crossbows on strings. If the Chang'an people couldn't even recognize the internal guards, how could they be called Chang'an people?
?
Lao Cao pointed to the sky with difficulty, but was slapped down by Huang Zhien: "Don't talk nonsense, this is the money paid by the empress and the prince. Some time ago, the merchants were in a bad situation, their families were ruined, and there were countless bankrupts. The empress couldn't bear to see it.
So I raised money to help these merchants, but the empress even took out the money for makeup, and the skirt was now too short to cover her feet. His Highness the Crown Prince couldn't bear to let the empress suffer, so he took out all the money he had spent preparing for the marriage.
, it was Marquis Tingyun’s idea to set up such a bank, not to make money, but because I didn’t want your family to be ruined.”
If just now Lao Cao had the idea of taking advantage, now he had no other thoughts except gratitude. He packed up his clothes, lay on the ground and bowed down in the direction of the palace.
Lao Cao walked out of the bank with a serious look and said to the merchants who gathered around him: "We are so lucky to live in this peaceful and prosperous age. Everyone, if you need money, just go in. If you don't need money, don't join in the fun.
I, Lao Cao, will guarantee with my wealth and life that if you need money, you will get the money you want, and if you don’t need money, you should also be grateful. If anyone says anything wrong about the royal family, I, Lao Cao, will fight with him."
After saying that, he took the carriage loaded with copper coins back to his shop, ready to show off his talents. He has never been so confident and full of hope for the future. The withdrawal of the Dai family's shares now gives Lao Cao a way to unload a
The feeling of the mountains.
There is a giant standing behind me. As long as I run my business well and pay taxes according to the law, there will be no obstacles that I can't overcome. I have royal money and the queen's money in my share capital. If anyone wants to get involved and take a bite, I will fight tooth and nail.
There was a lot of crying in the bank, and Yun Ye, who was lying on the bamboo chair in the backyard, felt sad. This was actually his own fault. It made the hearts of these businessmen wander in hell and clouds, driving out the influence of the wealthy families from the merchants.
, there will definitely be labor pains, but some can survive it, and some can't. No fewer than a hundred people have hanged themselves and thrown themselves into the river, and one family even committed suicide by taking poison. When did I start to ignore human life?
If you make money and become a Bodhisattva, the annual interest rate is 15%, which is not really a low interest rate. However, in this world where ordinary loans are charged with 30% interest, you do have the qualifications to become a Bodhisattva, but no one will calculate it.
If the capital increases, the royal capital will gradually withdraw, and eventually it will become a giant beast that uses their money to make money. Now it is only implemented in Chang'an. When capital is available, no need to think about it, the queen and the prince will also open banks all over the Tang Dynasty.
, when the time comes, it will become no different from future generations.
Huang Zhien had been preparing for the bank for more than three years. With Yun Ye's prompt reminder, he actually figured out a seemingly naive but effective method, and persuaded the emperor to allow him to test it in Chang'an.
Early this morning, Yun Ye was dragged from Yushan to Chang'an. He said that without Yun Ye in charge, he felt uneasy. Queen, the prince's 100,000 yuan is not a big number. I hope he can survive it. As long as
If those merchants didn't just move the money away, there wouldn't be any problems.
The bank has been busy since seeing off Lao Cao in the morning. Merchants who heard the news rushed in, and the queue for loan preparations stretched from the store to Zhuque Street.
"Marquis Yun, the shopkeeper let me tell you that 34,350 guans have been loaned out and 12,370 guans have been withdrawn. If this continues, our money will not be enough. The shopkeeper will
I asked if it would be better to get a limit loan."
"It doesn't matter. You told the shopkeeper that no matter who it is, as long as the mortgage is suitable, you can lend it to him. No matter how much it is, now is the peak time for merchants to use money. You must give it to them. The money here is endless."
How many merchants in Chang'an need loans? Yun Ye has calculated that there are no more than a thousand. Even if they all borrow money, it will only be 500,000 yuan. What's more, with the guarantee of the royal reputation, no one will take all the money away.
What is the difference between putting it in the royal treasury and the treasury? If it were another person to do this, the merchants would not be so reassured. Only the queen and the prince have such summoning power if they take all the money.
The reputation of the eldest grandson is too valuable. With her reputation, you can save half of the money. If the queen knows that she is selling her for money, will she punish herself?
When the street cleansing drum sounded, businesses were about to close. At the begging of the merchants in line, the bank distributed number plates to them, and they would still trade according to the number plates tomorrow, assuring them that if there was no curfew, there would be no sleep on Zhuque Street.
A lot of people.
The prince did not have Yun Ye's leisurely attitude. He had been sitting in the guest room on the second floor since the morning to watch the transaction. From Lao Cao's grateful voice, he could tell that this business would be of great benefit to the Li family without any harm.
Although the money has been loaned out, it doesn't matter. After one year, Yun Ye said that the money will come back. After three years, it will become one million yuan. After ten years, the bank's money will be more than that of the household department.
many.
He couldn't imagine that one day the money in his hands would be more than the national treasury. What a scene that would be. He couldn't imagine. Yun Ye's words of warning also echoed in his mind. This money is not yours, it is the common people's.
Yes, if your Li family doesn't want the country anymore, then you will be greedy for the money in the bank. You can direct the money where it goes, and you must not take a penny from there that you shouldn't take. Once something happens, I tell you, it will be worse than a military disaster.
It is much more terrifying. Li Chengqian took this seriously and decided that once the bank was stabilized, the difference between the bank and the country would be defined in the form of law and a strict prohibition would be established for future generations.
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