Mr. Wang Shirui was coming to deposit money, and when he arrived he brought more than a dozen carriages of money. Zhou Zhi, the president of the Beijing Branch of the First Bank of Ming Dynasty, immediately alerted Zhou Zhi, who personally received Mr. Wang Shirui.
In the office of President Zhou Zhi, Zhou Zhi chatted enthusiastically with Wang Shirui and Wang Enyi.
"President Zhou, if I deposit money here in your bank, can I really get interest?"
Wang Shirui took a sip of tea, which was the best West Lake Yuqian Longjing produced this year. He put down the teacup, thought for a while and asked.
"Mr. Wang, our First Bank of the Ming Dynasty was founded by Liu Jin, Mr. Liu. He is this year's number one scholar and is now a member of the Hanlin Academy. He has a bright future and you must have heard of the many industries under Mr. Liu's command.
Yes, Mr. Liu always attaches great importance to credibility when doing business, and every word he speaks out will be nailed down."
"What's more, the big boss behind our First Bank of Ming Dynasty is the Emperor and His Royal Highness the Crown Prince, so you don't have to worry about putting your money in our First Bank of Ming Dynasty. We will never lose you a penny in interest. When the deposit is due,
We will also give the money in full."
Zhou Zhi smiled and introduced the situation of Daming First Bank to Wang Shirui. The meaning was very clear, that is, Daming First Bank has a large background, strong strength, credibility, and will never break its promise.
"That's good, that's good~"
Wang Shirui smiled and nodded. He had already understood these things clearly, and now he was just asking to make sure.
"If I deposit 10,000 taels of silver, how much interest will I get in a year?"
"We have two types of deposits here. One is demand deposits. The interest rate is relatively low. It is only about 2.5% a year, which is an annual interest of two and a half cents. If you save 10,000 taels of silver, you will get 250 taels of silver a year.
Interest."
"The advantage of a demand deposit is that if you need money, you can withdraw the principal at any time. We calculate the interest based on the date of deposit."
"The other type is time deposits. Time deposits have high interest rates, but you cannot withdraw the principal before maturity. You can only collect interest every year."
"Time deposits are divided into three types: three-year fixed deposits, five-year fixed deposits and ten-year fixed deposits. The interest rate for three-year fixed deposits is 3.5%, which is 3.5%. If you have 10,000 taels of silver, you can have 350 taels a year.
The interest on the silver.”
"The interest for a five-year term is 4%, which is 4% per year. The interest for a ten-year term is the highest, with an interest of 4.8%. If you save 10,000 taels of silver a year, you can have 480 taels of silver a year."
Zhou Zhi was very patient and introduced the deposit business in the bank to Mr. Wang Shirui in detail. This was his first deposit customer, and it seemed that the amount of deposits would definitely be very huge.
"Time deposits are only for ten years?"
"Is there one that lasts twenty or thirty years?"
After hearing this, Mr. Wang Shirui frowned slightly. Ten years is too short. Once he dies, his prodigal son will definitely lose all his family fortune.
"Well... we don't have any long-term time deposit projects at the moment."
Zhou Zhi shook his head helplessly and said.
"Then if I want to save a time deposit for thirty years, I wonder if your Daming First Bank can do it and how much interest will it give each year?"
Mr. Wang Shirui said very reluctantly.
"Mr. Wang, the amount is correct. This is the deposit agreement. Please read it. If there is no problem, please sign and pledge it, and we will process the deposit for you."
Zhou Zhi took out an agreement. The content of the agreement was very simple. It was far from as complex as the various rigid agreements of later generations. It simply explained Mr. Wang’s intention to make a deposit. The First Bank of Ming Dynasty accepted deposits.
It also promises to give interest every year and repay the principal when it matures.
Mr. Wang Shirui read it carefully. If there was no problem, he picked up the pen and signed.
"Dad, please think clearly, this is thirty years of savings. If this money is placed with others, it is not our money."
Wang Enyi was determined to save the old man for thirty years, and everyone was anxious.
Once this money is deposited, it will take thirty years to withdraw it, and he will have to drink the northwest wind every year for the interest.
"Hmph~ get out of here~"
Mr. Wang snorted coldly. When he saw his son, he signed and pledged it without hesitation.
Seeing that the old man had signed and pledged the money, Zhou Zhi waved his hand, and his men began to take away the old man's money.
Seeing a box full of money being taken away, Mr. Wang actually felt very guilty and was afraid that the money would be gone.
But looking at Wang Enyi on the side, he couldn't help but sigh. Such a prodigal son would definitely be ruined if all the money was left to him.
"Mr. Wang, this is your deposit certificate. Every year this year, you or your descendants can come to us with this list to collect interest. Thirty years later, with this list, you can come and collect the interest.
gold."
Zhou Zhi handed an exquisite deposit slip into the hands of Mr. Wang Shirui. This deposit slip was also specially made, using the same paper and ink used to make banknotes. It also had various anti-counterfeiting technologies, and others simply copied it.
No, and the deposits are guaranteed, so there is nothing to worry about.
Three hundred thousand taels of silver were exchanged for a piece of paper. Mr. Wang carefully put it away, then thought about it and said, "What should I do if this deposit certificate is lost or obtained by an outsider?"
"Don't worry, even if this deposit certificate is lost, you or your descendants can use the identity certificate issued by the government to apply for a new certificate."
"Of course, for the sake of security, I suggest you set up a password. Only those who verify the password correctly will receive interest every year and issue a new deposit certificate to them. This will also prevent outsiders from trying to steal your wealth."
Zhou Zhi smiled and said, and then gave a suggestion.
"Okay, I'll leave you a secret message."
When Mr. Wang heard this, his eyes suddenly lit up. This was a very thoughtful idea. It was not enough to have a deposit certificate. He also had to have a secret message. Coupled with identity verification, under this triple insurance, he could definitely guarantee his wealth.
Only your descendants can enjoy the Tao.
Even if an outsider gets the deposit certificate, has no secret words, and is not his descendant, he can never expect to get a penny from here.
Soon, Mr. Wang came to a secret small room, where there were four treasures of the study. He wrote two sentences on a piece of paper. These two sentences were secret words, a means of keeping secrets in this era.