In Liang Mansion in the capital, Liang Cixuan was studying the First Bank of the Ming Dynasty carefully in his study.
"The interest rate for loans from the First Bank of Ming Dynasty is so low, and it also has to pay interest to depositors. The interest difference is very small, but the risk of borrowing this house is very high."
"How does the First Bank of Ming Dynasty make money?"
"In the past, when banks borrowed money, they basically returned nine times out of ten. This was still relatively ordinary. Those who borrowed money with compound interest were even more terrifying. The interest in a year was several times more than the principal.
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"The annual interest rate of the First Bank of Ming Dynasty is less than 10%. With such a low interest rate, it can still make money."
"If we at Huihai Bank continue to operate like this, we might as well use the money to do business ourselves."
Liang Cixu frowned. As a son of a powerful man, although he was arrogant and domineering, he was also a smart person and knew how to manage things.
"It takes at least tens of thousands of taels of silver to open a branch and at least dozens of people to run it. In addition, each online store needs at least tens of thousands of taels of silver to maintain its presence. In this big city
If you have a branch, the money you need will be more and bigger."
"If you calculate it this way, our Huihai Bank's principal of 50 million taels of silver will not be able to withstand the torment at all, and we will not be able to open many branches."
"But if this branch does not open, it will be very inconvenient for customers to use money, and naturally they will not be willing to deposit money with our Huihai Bank."
"As well as our Huihai Bank's banknotes and silver dollars, everyone still doesn't recognize or accept them, so they can't be used at all."
"Why is it so difficult to open a bank?"
"What is the secret of the First Bank of Ming Dynasty?"
Liang Cixu thought carefully, and now he was worried about Huihai Bank.
During this period of time, his main focus was on opening a branch for Huihai Bank, and for this purpose he also visited many major cities for inspections.
As the branches opened one after another, Liang Cixu quickly discovered a problem.
Without opening a branch, Huihai Bank would have to spend almost 100,000 taels of silver to open it. For branches in big cities, it would have to prepare hundreds of thousands of taels of silver, and it would also have to mobilize money at any time.
There are very few people who make deposits, but there are many people who seek loans, and they often have a huge appetite. They ask for loans of tens of thousands, hundreds of thousands, or hundreds of thousands of taels of silver.
If you don't approve of this, it shows that Huihai Bank has no strength, makes people laugh, and makes everyone even more distrustful.
But if this batch goes down, the money in Huihai Bank's hands will suddenly be stretched thin.
The deposits were almost zero, no one was depositing money at all, but there was always a lot of loan business. The money was constantly flowing out, which made Liang Cixuan anxious.
"Master, Master, something big has happened!"
Just when Liang Ci was thinking about Huihai Bank, the housekeeper hurried over and said.
"Hurry up, what happened?"
Liang Cixu asked quickly.
"News just came from Huangjin Continent. Our family's gold mine in Huangjin Continent was ransacked by horse thieves. Not only were all the slaves killed, but the gold mines were robbed. Even the descendants sent by our Liang family were not left.
All killed!"
"Even the third young master in Penglai City was beaten to death because of a quarrel and a fight."
The housekeeper told the bad news.
"What?"
When Liang Ci heard this, he was stunned and opened his mouth wide, looking unbelievable.
The gold mine was looted, the family members were killed, and even his own brother was killed.
It is really unbelievable that something like this happened in broad daylight in this bright and clear world.
"How can this be!"
Liang Cixuan couldn't believe such a thing.
My Liang family is not an ordinary family. My father is currently the Minister of the Ming Dynasty and will join the cabinet in the future and become the prime minister of the cabinet.
In this day and age, there are still people who dare to loot the Liang family's gold mine and even beat their own brother to death. This is simply appalling and makes people shudder.
"Who did it?"
"Let someone investigate and find out clearly for me. I will kill all their members to avenge my third brother!"
Then Liang Ci's eyes turned blood red and he was extremely angry, like an angry lion that wanted to choose someone to devour.
After arriving in the capital, Liang Cixu has become more restrained. When he was in Foshan and Guangzhou, Liang Cixu was famous for being arrogant and domineering. He had always been the only one who bullied others, and no one had ever dared to bully him.
Now it's better, someone actually stood on my head and shit on me, even beating my own brother to death.
"yes!"
When the housekeeper heard this, he quickly went to handle the matter.
Liang Cixuan was extremely angry, but his head became sober.
Why does this happen?
Nothing has happened to the gold mines in Huangjin Continent. They can contribute a good income to the Liang family every year. In addition, the Liang family also has many industries in Huangjin Continent.
Gold mines, silver mines, oil, plantations, commercial banks, etc., although the scale is not particularly large, and the number of gold mines, silver mines and oil fields is relatively small, these are also extremely important assets of the Liang family.
This time, my younger brother went to Huangjin Continent to expand his Liang family's industry in Huangjin Continent and purchase more gold mines, silver mines, oil fields, etc.
These are industries whose income is very stable and does not require any investment after being put into production. They are cash flow and important assets.
Who would have known that when I went to Huangjin Continent, I would be separated from heaven and man forever, and I would die here in Huangjin Continent.
If his father knew about this, he might not be able to accept the fact that the white-haired man would send the black-haired man away.
"Master, Master~"
The housekeeper, who had just been out for a few moments, came back in a hurry.
"what happened again?"
Liang Ci asked with a straight face.
"We just received news from our family's textile factory. For some unknown reason, no one is willing to sell cotton to our textile factory. In addition, none of the businesses that originally promised to buy our cloth now stop cooperating with us. Our
The cloth cannot be sold."
"There was also a call from Yulin Oilfield saying that Daming Petroleum Company will no longer accept the oil produced by our oil wells from now on, and the oil produced in our oil wells cannot be sold."
"There is also news from Tianjin that the First Bank of Ming Dynasty has canceled the 1 million taels of silver loan originally promised to our cement factory."
"In addition, there is news from our family, Liang's Real Estate, that the First Bank of Ming Dynasty also canceled the 2 million silver loan that was originally promised to us."
The butler broke the bad news one by one.
"What?"
"The textile factory will have money but cannot buy cotton?"
"Can't you sell this cloth?"
"The Daming Oil Company won't accept our oil, and the banks won't give us loans?"
Liang Cizhen was shocked when he heard the whole thing, and then he squatted down on the chair all of a sudden.
It's all over now.
If this textile factory does not have raw materials, it will not be able to start production at all. The key is that no one wants the cloth it produces, and it will definitely go bankrupt.
Although the textile industry has developed from the golden period to the silver period, it is still one of the most popular industries in the Ming Dynasty because the market demand for cloth is very strong, and the cloth of the Ming Dynasty sells well all over the world.
"Why doesn't the Ming Oil Company accept our oil?"
"And why doesn't the First Bank of Ming Dynasty give us a loan?"
Then Liang Cixu couldn't help but roar.
Forget it if the textile factory encounters difficulties.
Even in terms of oil trading, the Daming Petroleum Company actually refuses to collect oil from its own oil fields. You must know that in the field of oil now, the Daming Petroleum Company is an absolute giant and has an absolute monopoly advantage.
Not only does it control a large number of high-yield oil fields, but also the entire industrial chain from oil development, transportation, smelting to sales of finished products is almost occupied by the First Bank of the Ming Dynasty, occupying an absolute position.
Some other oil companies are also involved.
But basically, it is the two steps of extracting oil and selling refined oil. The intermediate transportation, smelting of oil, etc. are still handled by Daming Petroleum Company.
Because these investments are very huge and the key is to use a lot of technology, only Daming Petroleum Trading Company has the capital and strength to do these things.
Daming Oil Trading Company does not want its own oil, which means that it is really impossible to sell the oil dug out of its own oil fields.
As for the cement factory, infrastructure construction in Ming Dynasty is now in full swing, very hot, and the demand for cement is very strong. This has also made many cement factories make a lot of money. At the same time, they are also expanding their scale and output on a large scale in various parts of Ming Dynasty.
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The same is true for the Liang family's cement factory. Not only did they invest all the money they earned in the early stage, but they also have been borrowing money from Daming First Bank.
Da Ming First Bank offers low loan interest rates, and it is also the most popular place for people to get loans. People who do business will basically go to Da Ming First Bank for loans.
The Liang family also has a real estate industry. The investment in the real estate industry is very large. It costs a lot of money to buy a piece of land. In addition, it also costs money to build it.
This money is basically maintained by loans from Daming First Bank. As long as the bank's loans continue, it can be maintained and make huge profits from it.
However, now, the First Bank of Ming Dynasty has directly cut the bank, not providing any loans to the Liang family, and urging the Liang family to repay the previous loan as soon as possible.
This is tantamount to directly taking away the lifeblood of the Liang family. If there is not enough funds to circulate, it is very likely that all the Liang family's industries will collapse by then.
And once it reaches that point, it means that the wealth of the Liang family over the years will be wiped out.
This frightened Liang Cixu even more than the death of his younger brother. These were the properties that his Liang family had acquired over the years.
