Zhou Tang did not stop Zhou Shu from getting angry. He also wanted to see what General Xin Mao's bottom line was.
If he really forced the Zhou family to borrow money, he...he didn't know what to do.
Xin Maojiang chuckled, looked at Zhou Shu, and said warmly: "Don't get too excited, this person is just a messenger. It's useless for you to scare me by blowing your beard and staring. First of all, your Zhou family will sign and pledge for the share subscription."
Yes, it’s written in black and white, even if the lawsuit goes to the imperial court, your Zhou family will still lose, don’t you refute this?”
Zhou Shu puffed out his nostrils and was speechless.
Due to circumstances and reasons, the Zhou family has to buy the shares or pay huge compensation. If you are told that you have money but you don’t have money, why would you dare to speak out and make random quotes if you don’t have money?
That doesn't make sense.
Xin Maojiang continued with a smile: "Furthermore, I can probably guess what you and Lord Emu are thinking. Isn't it just that the general manager wants to come up with some kind of usurious loan with compound interest to harm the Zhou family?"
Zhou Tang didn't say anything, but Zhou Shu snorted angrily: "Isn't it?"
Xin Maojiang shook his head and said: "No, you are judging a gentleman with a villain's heart, and you have wronged the chief manager."
Zhou Shu asked: "How do you say this?"
General Xin Mao said: "The interest rate of the bank is unified. Based on the current specific situation of private lending, the general manager has stipulated that the interest rate is one cent per month, and there will be no change within ten years."
Zhou Tang's eyes suddenly widened: "One point of profit?"
General Xin Mao nodded: "Yes, one cent profit."
He naturally knew why Zhou Tang was shocked.
The most popular method at the moment is "nine out and thirteen return". If you borrow ten guan, what you get is actually 9 guan, and the repayment at maturity is 13 guan. In addition, you have to pay the corresponding interest.
, this interest is generally calculated on a monthly basis, about three cents.
Calculating the inside and outside like this, it is simply costing someone’s life...
But what about the bank’s interest?
Just one point!
Apart from a small amount of "stamp duty", there is no further explanation.
Zhou Tang raised his eyebrows and asked, "What kind of collateral is needed?"
Xin Maojiang smiled and said: "Lands, houses, shops, even calligraphy and paintings, and rare things are all acceptable. Moreover, not only the nobles who subscribed for the shares of the salt farm this time, but also merchants can apply for loans. All of them can make their commercial projects obtain the approval of the bank."
Recognized families or individuals can apply for loans anytime and anywhere.”
Zhou Tang was shocked again.
It is true that he is a Confucian, but he is by no means a pedantic person who claims to be aloof. The Yangxian Zhou family's current prosperous situation is inseparable from his careful management. He is also quite proficient in the art of cultivating goods.
Fang Jun's so-called "money bank" was not just prepared for those nobles who subscribed for shares in the salt farm but could not afford the money, but to play a bigger game! This move not only eliminated the previous Jiangnan folk loans
The method was subverted, so that large-scale loans had another option, so that they would not have to endure the exploitation of the moneylenders. More importantly, he actually consciously and plannedly supported those merchants who did not have sufficient capital, but actually had business acumen.
.
Or... a poor family!
The corners of Zhou Tang's eyes beat sharply involuntarily.
If he turns to Fang Jun, the Zhou family can not only keep the interests of the salt farm that they have obtained now, but also make clear their sides. I think Fang Jun will definitely not treat the Zhou family badly who first stood up to express his support.
This is a good choice, but Zhou Tang now faces two problems, two fatal problems!
If he borrowed money from that bank and mortgaged his own land and house deeds, once the income from the salt farm fell short of expectations, wouldn't it mean that Fang Jun would draw a circle and eat up all the Zhou family's accumulated wealth over hundreds of years?
The salt farm was all created by Fang Jun. Although everyone is willing to believe Fang Jun's explanation and prediction of the salt farm's output, what if it happens?
There is one more important thing!
If Fang Jun really wanted to support the poor in order to fight against the Jiangnan gentry, then wouldn't it mean that he would help the emperor and dig his own grave?
The water is too deep...
Zhou Tang was worried about gains and losses and was hesitant.
Xin Maojiang saw his expression in his eyes and smiled in his heart.
Before planning to launch this "royal bank", the general manager and Pei Changshi had thoroughly understood the thoughts of all the nobles and merchants, and had made as many plans as possible for various possibilities.
Zhou Tang's concerns were naturally expected by the Chief Manager...
Xin Mao sat upright, a sense of pride welling up in his chest.
He said in a solemn tone: "The general manager once said that he is the most loyal person. You all smoothed things over for him at the prospectus. He will remember this kindness. All families or individuals who subscribed for the shares of the salt farm, if necessary,
When borrowing money from a bank, the bank will not take possession of all mortgaged items, but will only prohibit them from buying and selling until the loan is repaid."
The corners of Zhou Tang's eyes jumped again... He couldn't even remember how many times he was shocked today. Fang Jun's moves followed one after another, making it hard for people to guard against him. He even went straight to the life gate and hit the weak spot, which was shocking.
There is no way to avoid it!
What does "he will remember this kindness" mean?
Regardless of whether you come up with money or borrow money from a bank, as long as you buy the subscribed shares honestly, that's "love"! Once we have a friendship, we are partners, and we will naturally not treat you badly in the future.
But if you want to embarrass him and act like a rogue and refuse to pay him, not only will there be no "love", but there will only be "hatred"!
A naked threat, an intimidation!
And General Xin Mao's last sentence made Zhou Tang have to admire Fang Jun's courage.
"The bank will not collect all mortgaged items at any time, but will only prohibit their buying and selling until the loan is paid off"...
What does this mean?
It’s like lending money to you for business!
In this day and age, a penny of profit is no different than getting it for free...
Zhou Tang knew it in his heart and had only one last question.
He looked at General Xin Mao and asked slowly: "It's not that I can't trust the general manager. It's actually the foundation of the family, so I have to act cautiously. I dare to ask, if the general manager is no longer in charge of this bank in the future, what will this promise be?
Will it still be valid?"
Don't say anything about signing or stamping!
It is normal for people to be in the political and interest positions. He, Fang Jun, has not yet reached the age of weak. How can he still be in charge of this bank for too long? Once he leaves, someone comes up who completely refuses to acknowledge the previous agreement, and Mrs. Zhou will not even cry.
!
Xi Junmai laughed loudly and said, "Mr. Emu must have overlooked something."
"What's the matter?"
"The full name of this bank is called 'Royal Bank of the Tang Dynasty'. It has nothing to do with Huating Town, Suzhou, or even Canghaidao. This is His Majesty's private property. Whether it is the Zhou family or others, the document signing the loan agreement,
They are all signed and pledged by His Majesty, so what does it have to do with the General Manager?"
Zhou Tang was dumbfounded: "Seriously?!"
Xi Jun nodded and said, "It's absolutely true!"
Zhou Tang took a long breath and immediately said, "I wonder how the price of this mortgage will be determined?"
Xi Junmai said: "The bank has its own people who are responsible for the evaluation, and they are all talents who are proficient in arithmetic and economics. They will never maliciously lower the price of the mortgaged property. Not only that, the general manager specially paid attention to the purchase of the salt farm shares this time.
If you offer a dividend, you can lend it based on the price of the mortgaged property, with an increase of 20%!"
If you take out 100 acres of land and the market price is 1,000 guan, I will lend you 1,200 guan!
What a big deal...
Zhou Tang had no objection and immediately expressed his position: "Tomorrow, I will arrange for my third brother to go to Huating Town with the land title deeds and go to the bank to go through the loan procedures."
General Xin Mao laughed, raised his thumb and said, "Mr. Emu is very courageous, and I will be very impressed by this younger generation!"
The task is completed, and I feel relieved!
Zhou Tang also laughed loudly: "Master Xin is articulate and clear in his thinking. He deserves to be called a young talent. Failure in the imperial examination once is not a big deal. As long as you work hard, he will be named on the gold list in the future. As the general manager said
As the saying goes, if you read thousands of books and travel thousands of miles, your future will be bright and you will fly thousands of miles!"
This deal is worth it!
Jiangnan gentry?
Go to hell!
Zhou Tang has long seen clearly that times have changed! Still thinking about the chaos in the world during the Southern and Northern Dynasties, when the Jiangnan gentry took advantage of the situation and rose up? Still thinking that after the Sui Dynasty unified Jiangnan, they were powerless and allowed the Jiangnan gentry to do whatever they wanted.
Da? Still thinking that under the maintenance of the nine-level Zhongzheng system, the aristocratic families control the government and have the energy to rise and destroy?
Stop dreaming and wake up!
The Tang Dynasty has risen like a giant, and it will never allow the aristocratic families to control the empire's resources as before, or even override the imperial power!
Either go with the flow and follow the big ship of the Tang Dynasty to ride the wind and waves and set sail; or go your own way and be crushed in front of the powerful wheel...