In this era of bank accounts or banks, when customers deposit money, they not only receive no interest income, but also pay handling fees.
Yuzhu's Universe Bank account did not open with much fanfare.
However, it has only been a few months. Not counting the three million taels of silver that Li Si'er smashed in, he already has five million taels of silver in savings...
This is a reserve fund of eight million taels.
With such a strong ticket account, it must be the number one in the Qing Dynasty.
The big shopkeeper of the Universe Bank is none other than Zhen from the Changlong Bank.
Yuzhu asked Zhen to meet him at the Hot Spring Villa, but Zhen sent him 500,000 taels of silver with one purpose: to beg to be let go!
Since Mrs. Zhen was so self-reliant, Yuzhu naturally felt pity for her. Not only did she confiscate her money, but she also hired her as the head shopkeeper of the Universe Bank.
As for the entire Zhen family, and the matter involving Lao Jiu, Yuzhu also knew that it was purely a frame-up, so he generously let the entire Zhen family go.
With this level of grace, Zhen was willing to work for Yuzhu.
The average ticket number in this era is an absolute vampire.
If you borrow 10,000 taels of silver, the annual interest rate will be at least 30%, and the interest will be compounded.
What kind of huge profit is this?
Loans to the Universe bank account must have collateral. There is only one type of collateral, and that is fertile farmland in the suburbs of Beijing.
In this era with no stock market, no futures, and no national bonds, after big businessmen made money, their only pleasure was to buy shops and fertile land.
To put it bluntly, fertile farmland near the capital is definitely the highest quality asset. As long as it is willing to sell, there will definitely be a buyer to take over.
I'm afraid you don't want to sell fertile farmland in the suburbs of Beijing!
This is very similar to the single-family house in the old concession in the first ring of Shanghai. As long as someone is willing to take action, someone will spend a lot of money to take over it.
Because this is an absolutely scarce resource. If you sell one unit, you will lose one!
Now that we have opened the Universal bank account, it will definitely be our future goal to connect the world.
However, at this stage, due to the shortage of capable shopkeepers and clerks, Huitong Yangzhou, Guangzhou, Jiangning and other few big cities where wealthy businessmen gather are more suitable targets.
The interest rate of the loan, if there is collateral, is tentatively set at 30% per year, but there is no interest compounding.
If Yuzhu is set too low, he will be hated by others, and sooner or later something big will happen.
As we all know, no matter what era it is in, any class that dares to lend usury is a top class of powerful people that ordinary people can never afford to offend.
Not to mention anything else, Lao Si's housekeeper took advantage of loan sharking and misappropriated hundreds of thousands of acres of prime farmland in the suburbs of Beijing.
If Yuzhu sets the loan interest rate too low, all the princes, including the fourth son, and the Manchu dignitaries will become Yuzhu's mortal enemies.
In such a dangerous situation, there is nothing a wise man can do!
Not engaging in compounding profits, to put it bluntly, this alone has made Universe Bank favored by major businessmen.
In history, He Shen also opened a ticket account. As long as He Zhongtang did not collapse and had his personal endorsement, the ticket account would always be very profitable.
A bank account or bank account naturally needs the endorsement of powerful people in order to win people's trust.
When Zuo Gong Jigao was alive, no one dared to run against Hu Xueyan's "Fukang" bank.
When Li Hefei was not dead, Sheng Xuanhuai would have had unlimited glory.
In the same way, as long as the Tong family and Yuzhu and his son survive, no one except the old emperor would dare to touch the Universe and the Zhen family!
The old emperor suddenly agreed to lend the Lei family class to make household items for the Cao family.
While Cao Yin was still making wild guesses in confusion, Cao Jia had already understood. It could just be the favor that the emperor rewarded for Yu Zhu's sake.
Silver, jewelry, jewelry, clothing materials, etc., the Cao Jia family really had no shortage of anything, but they lacked carpenters for the royal family.
In this cannibalistic society, there are many things that you can't buy no matter how much money you spend.
On the day of Cao Jia's wedding, Yuzhu, as a relative of the bride, came to the Cao family's old house in Shaojiu Alley early.
When the chief steward Lai Da saw Yuzhu again, his waist dropped even lower.
Because his biological sister was about to get married, Cao Yong had already rushed to the capital from Jiangning.
"My younger brother Cao Yong greets my brother-in-law." Cao Yong has been greeting Yuzhu at the gate. After meeting him, he immediately bowed and saluted with a respectful and affectionate attitude.
Yuzhu raised his hand to help Cao Yong, and said with a smile: "Why do we need so many courtesy between you and me brothers?"
Who would have thought that Cao Yong said honestly: "The eldest sister has told me that when I see my brother-in-law, I must thank you properly for her."
Yuzhu waved his hand and said, "It's just a trivial matter, it's not worth mentioning."
Cao Yong led Yuzhu into the West Flower Hall and accompanied him to have tea and chat.
After a while, Lao Shisan came.
Lao Shisan is a man who values righteousness. When he was in Jiangning, he and Cao Yong fell in love at first sight. Although the deeper friendship was cut off by Yuzhu midway, it was much lighter than in history, but it still made sense.
"Oh, I am a poor brother, I can only give you fifty taels." As soon as Lao Shisan saw Cao Yong, he apologized very much.
Yuzhu couldn't help but smile. When he got married, Lao Shisan gave him two hundred taels of silver.
On the day of Cao Jia's wedding, it was a great honor for Lao Shisan to come in person.
Cao Yin had received Kangxi many times in Jiangnan. The servants of the Cao family had already had experience in hosting large banquets, so they did not need Yuzhu's help.
Recently, Yuzhu has been very busy, and he and Lao Shisan haven't seen each other for some days.
These two guys got together and had endless things to say. However, Cao Yong, who couldn't say anything, was left alone.
"Brother, when I am entrusted and leave the palace, let's have a good meal." Old Thirteen looked forward to the beautiful life in the future.
Yuzhu sighed secretly in his heart. When Kangxi was alive, it was impossible for Lao Shisan to be enfeoffed.
However, it was naturally impossible for Yuzhu to take the initiative to break Lao Shisan's dream. He smiled and said, "That's natural. How can the elder brother who lives in the palace be as free as his own mansion?"
This chapter is not over yet, please click on the next page to continue reading! Yuzhu's words just scratched the itch of Lao Shisan, and he sighed: "It depends on when Khan Ama will show mercy."
In this era, as long as the princes and elder brothers are entrusted out of the palace, they will enjoy different treatment.
At least 100,000 taels of silver for opening the mansion, a large imperial estate, Bao Yi and Aha of the lingerie mansion, and eunuchs to serve him.
Speaking of which, Lao Thirteen was really pitiful. After he left the palace, even if he drank too much, he could only settle down in Lao Si's Baylor Mansion.
In the past, whether he was reading history books or watching TV series, Yuzhu couldn't figure out why Lao Shisan suddenly went from being extremely favored to being so neglected now.
Now, with more experiences playing chess with Kangxi every day, Yuzhu has a deeper understanding of Kangxi's temper.
During the time when Concubine Min was favored, Lao Shisan had never suffered any setbacks, and his temperament was far from mature.
I'm afraid that at that time, Lao Shisan showed the same thoughts as Lao Ba, right?
In his later years, Kangxi was most taboo about two major things: the prince wanted to establish the Xuanwu Sect, and the eighth prince wanted to imitate Suzong of the Tang Dynasty.
However, before Concubine Min passed away, Kang Mazi still had more trust than suspicion towards Prince Yinreng.
If Lao Shisan exposed his shady thoughts because of his youth, he would inevitably be rejected by Kangxi.
In addition, Yuzhu could not find the reason why Lao Shisan suddenly fell out of favor.
In the thirty-seventh year of Kangxi's reign, when the emperor conferred many titles on various scholars, it was understandable that Lao Thirteen received nothing. After all, he was still young, and Lao Ninth, Lao Ten, and Lao Fourteen were not conferred either.
However, in the forty-eighth year of Kangxi's reign, when the old emperor conferred the title of prince for the second time, the idiot Lao Shi actually conferred the title of county prince, and even Lao Jiu, Lao Twelve and Lao Fourteen were also concubines.
However, Lao Shisan is still a short-selling brother, which is extremely abnormal.
The TV series "Yongzheng Dynasty" tells the story that Lao Shisan was imprisoned for ten years.
In fact, Lao Shisan was not imprisoned for so long and was soon released.
However, since then, whether it is in the records of the Holy Ancestor or in the daily notes, Lao Shisan seems to have disappeared from the world, and there is no more news about him.
This situation lasted until the night of Changchun Garden and the death of Kangxi.
It’s too early for the night in Changchun Garden.
The brainless boss, the second child who will definitely be deposed, and the eighth child who exposed his ambition too early, these three are definitely out.
Who among the third, fourth, fifth, seventh, twelfth and thirteenth is the most worthy of being a king? Yuzhu has no need at all and makes a decision right away.
Yuzhu and Lao Shisan were chatting too much, so they each drank tea to soothe their throats.
Cao Yong hesitated for a long time and suddenly asked Yuzhu: "Brother-in-law, fifth brother Cao Fu asked me to ask you, Qingwen..."
Yuzhu was secretly amused, that boy Cao Fu was really a passionate seed.
"Tell him that Qingwen is living a good life now. She has read a lot of books with her tutor and can also read an abacus and read accounts." Yuzhu was too lazy to explain too much.
After all, after the Cao family gave Qingwen to Yuzhu, they should not ask anything about Qingwen.
In other words, Qingwen is already a maid of the Tong family, and Yuzhu has full authority to take over the house, take in concubines, or marry off her.
At this time, Cao Fu went beyond the rules by asking Qingwen again.
Cao Yong is Yuzhu's serious brother-in-law, so naturally Yuzhu can't say anything.
But Lao Shisan couldn't stand it anymore, and scolded Cao Yong in front of Yuzhu: "You are not young anymore, Cao Fu is not sensible, how can you be so ignorant? How could I ask your brother-in-law face to face? What’s the truth about women?”
Cao Yong also realized that something was wrong, and immediately his face flushed with shame, and he quickly got up to accompany Yuzhu.
"Brother-in-law, it's true that I was reckless and thought poorly, so please forgive me." Cao Yong was straightforward, and he was a good boy who corrected his mistakes when he knew they were wrong.
When Cao Yong asked Qingwen how he was doing, Yuzhu actually didn't care, so he took his arm and sat down side by side.
"Have you finished your work as an errand in the guard's office?" Yuzhu didn't want Cao Yong to be too embarrassed, so he took the initiative to change the topic.
(PS: Dear young and old, it’s the end of the month, and you can’t give birth to babies with monthly tickets, so you should be rewarded.)