"Of course. 51o." Chen Ke clapped his hands, and Zuo Jiande came in and said, "What are your orders, sir?"
"Is Shopkeeper Bai here?"
"We're already here, drinking tea outside.".
"Invite him in." Chen Ke nodded and said to everyone: "This man named Bai Yaming is the shopkeeper of Jiaozi Pu in Dongdu. You may have met him before."
"I've seen it before." Everyone nodded and said, "I went to his place to save money a few days ago."
Before he finished speaking, Bai Yaming in a blue robe walked in. He seemed a little surprised when he saw Li Jian and the others, but he quickly adjusted and sang: "My lord, distinguished guests, please be polite."
"Sit down." Chen Ke was not polite to him, patted the chair next to him and said, "I invite you here today to talk to them about cooperation."
"Yes." Bai Yaming sat down on the chair and smiled at the four people who were a little surprised: "First of all, I want to dispel the doubts of all distinguished guests. The money involved in our cooperation this time has nothing to do with Jiaozipu, so you
Don’t worry, your funds are safe.”
"Haha..." Everyone laughed, feeling relieved with this guarantee.
"My identity here this time is as a representative of Yici Leye people." Bai Yaming added: "You may not have heard of us, but it doesn't matter, because we are also Song people living in Bianjing, we just believe in Yici Leye
It’s just karma teaching.”
Everyone nodded and motioned for him to continue.
"Sir, I wonder how much money you can offer?" Bai Yaming asked Chen Ke.
"Two million strings."
"Oh..." Bai Yaming couldn't help but be secretly surprised. Just these five people were able to collect so much money. This shows their amazing strength and their unity. After thinking for a while, he said: "On our side, we can come up with something."
To three million guan," Bai Yaming spread his hands and said: "According to the agreement, one million guan will be counted as a loan to the future money account. We hold 49% of the shares, and you hold 51% of the shares."
"Why is there such a cheap thing?" Li Jian asked softly.
"After all, we are not Han people." Bai Yaming said helplessly: "In order to avoid unnecessary trouble, the future owners of the store can only be Han people."
"If there are five million strings, it's still not enough." Li Jian frowned.
"That's enough." Chen Ke shook his head and said, "You don't understand the methods of this industry. Let Shopkeeper Bai come here to help you eliminate illiteracy."
"Your Majesty, you are joking." It was clear that Chen Ke was the undoubted leader of this group of people. Bai Yaming smiled and said, "This is actually our secret, but it was revealed by Your Majesty. Naturally, we cannot keep it secret from you."
"
"The main task of our Dongdu Jiaozi Pu is to serve officials like you who go out to Sichuan to do business. When you leave Sichuan or return to Sichuan, you cannot bring a pile of gold bars or a cart of silver bars on the road. Instead, let Jiaozipu
Zipu will give you a golden ticket. With this ticket, you can exchange the money at Jiaozipu when you come from Chengdu to Bianjing. Or from Bianjing to Chengdu."
"Yes." Everyone nodded. This was natural. They had just finished the business.
"We gradually discovered during the operation that during the process of exchange, deposits and withdrawals, some currency will always settle. Although every money will flow, it can maintain a total stock for a long time." Bai Yaming used as straightforward language as possible to let people know.
Everyone understands.
"We deposited the money with you and haven't touched it. The money has been deposited." As expected of a businessman with many years of experience, he can understand everything at once.
"Yes, we are completely free to use this accumulated money. We can use it to lend money and collect interest; we can also do business and earn returns." Bai Yaming spread his hands and said: "But the imperial court did not grant Jiaozi Pu
The power to lend money. We have to abide by the regulations of the court, so the money has been sleeping."
In fact, this is just to put money on their faces. Chen Ke and Li Jian were all tempted by Bai Yaming when they were preparing to make a deposit after the exchange. The words are the same... If you deposit this money in Jiaozipu.
You have to pay a lot of storage fees every month, but if you leave it to us, not only will the fees be free, we will also pay the interest, and we will provide a full guarantee, no risk, returns, and you can withdraw it at any time
,What are you still hesitating about, dear?
Chen Ke even had serious suspicions that the 'no small amount of custody fees' were created by people in the industry, and their purpose was to use public money for personal gain and force people to hand over their money to them.
However, this is not a long-term solution after all, and it will not be good for the reputation of the people of Yiji Leye if word spreads. That is why they hit it off with Chen Ke and prepare to set up their own bank to engage in lending business openly.
And even though they only hold 49% of the shares, they have made good calculations... They are monolithic. Chen Ke must find many partners to be able to collect the capital of two million yuan.
Sometimes, if any conflict does arise, I only need to win over a small shareholder of the other party, and I can take over immediately.
Chen Ke knew the behavior of Jews very well. These people abide by the contract, but they always exploit loopholes in the rules and want to cheat people without violating the contract. But who told him that he had no capital to start on his own? And he had no time.
After completing the accumulation of energy and energy, in order to quickly improve the strength, I can only borrow chickens to lay eggs and cooperate with them.
Fortunately, the right time, right place, right people, and the right people are all on their side. As long as they maintain an upward trend, I forgive them for not daring to play tricks.
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
"Just because we were convinced that this was a way to make money, we decided to jointly open a Bianjing money account with Mr. Chen." Bai Yaming said: "This is a business that is sure to make a lot of money. You can make huge profits just by lending money. And in
When lending to various industries, we will have a lot of business secrets, which will make our investment unfavorable." As he said this, he looked at Chen Ke and said: "There is a famous saying by your Excellency, the banking industry is a business with ten times the capital.
An industry that leverages hundreds of times the capital.”
"We now understand the principle of Qianhao and are full of confidence in its prospects." Li Jian chatted in a low voice and asked: "But we still don't understand, how to deal with the current situation? How big is it?
Bowl, how much rice do you need?"
"Wouldn't that expose the secret?" Chen Ke said with a smile: "Bankers are all liars. If you let you know that he has no money, he will be completely ruined."
"So, you must have at least 1,500 yuan in capital before you dare to open a business, right?" Li Jian said: "We have just started, and there is no possibility of capital accumulation, so we can only use our own money."
"Wrong, let me tell you three points." Chen Ke pointedly said: "First, there is a time lag between buying land and building a house. Don't forget that Beijing is rebuilding houses for the people on a large scale. This is
Due to the overwhelming political task, almost all the construction teams have been requisitioned. Therefore, large households can only wait to buy the land. And because the land price is too high, it is not ruled out that many people will delay construction for a year or two.
Therefore, there will not be a demand for 15 million guan at the same time. According to my estimation, only 7 to 8 million guan will be needed in advance."
"Moreover, the demand for seven to eight million dollars will not appear at the same time. Because Bao Longtu adopted my suggestion and divided the entire land into residential areas and commercial areas. The basic principle is that the residential areas belong to the big households.
The commercial area will be purchased by the government. In this way, the initial purchase of the residential area will be 5 million guan, and the big households will definitely handle part of it themselves, so we can survive the beginning with 3 million guan."
"Third, in view of the fact that all large transactions are in ten thousand yuan, in order to ensure the safety of customers and provide convenience for customers, we will allow customers to deposit the loan amount into the money account. Transactions can only be carried out with deposit receipts." Chen Ke is cunning.
He smiled and said: "At the same time, we pay high interest to savers and encourage people who sell their houses to still deposit the compensation money into their money account. In this way, there will be at least two to three million yuan of deposits, which can be accumulated to withstand the purchase price."
to meet the financial needs of the commercial district.”
Li Jian finally felt convinced. He looked at his old brothers and said, "Let me tell you, we have to leave our hometown. Where can we go to hear this kind of knowledge in Sichuan?" Everyone nodded.
"I'm afraid you won't be able to hear it in the entire Song Dynasty." Chen Ke said with a smile: "Only me and the Yishi Leye people understand this truth. Now you believe that we have all three points!"
"Believe it!" Li Jian nodded heavily and said, "Let's go back to Chengdu to get the money right now!"
"It's not necessary." Bai Yaming said: "You only need to write a letter of authorization. Within half a month, the money you paid to Jiaozi Pu in Chengdu can be transferred to Jiaozi Pu in Dongdu."
"Is it so convenient?" Li Jian and the others now understood why Chen Ke wanted to bring Yi Shi Leye along with him.
"You know how powerful they are." Chen Ke looked at them and said, "Learn from them!"
"We should learn from the adults." Bai Yaming said with a smile: "The masters of finance and economics are really admirable."
"Okay, stop flattering each other." Chen Ke laughed and said, "Now that the serious business is over, let's drink and celebrate!"
Bai Yaming only sat at the table for a while, drank three glasses of water and wine, then excused himself and left. Time waited for no one, so he had to go back and notify Li Wei to raise money immediately.
After he left, Chen Ke looked at everyone and said seriously: "Although we have 50% of the shares, as long as one of them is allowed to set up the seedlings, he has the final say. So we must unite in the future, and any disputes will be resolved."
Only by solving the problem internally and targeting the outside world with the same gun can we prevent others from taking over our power."
"I remember." The four of them nodded heavily.
"Then let's also talk about the equity distribution, and then choose an agent to fully represent us."
This was obviously the best way to retain decision-making power. Naturally, everyone agreed. After a night of discussion, it was finally reached that Chen Ke would pay 600,000 yuan, accounting for 30%; Li Jian would pay 500,000 yuan, accounting for 25%;
Sheng raised 500,000 guan, accounting for 25%; Tu Yang raised 300,000 guan, accounting for 15%; Cai Chuanfu raised 100,000 guan, accounting for half of the plan.
This is mainly because Chen Ke is the leader and should occupy the majority to maintain sufficient decision-making power. However, it is only a relative majority. Once others unite to oppose him, he will be blinded. Maintaining relative authority and restrictions in this way is no longer possible.
The requirements are higher.
The person who was recommended as an agent was Qian Sheng, the boss of Qian. Chen Ke asked the other people to select promising disciples to follow Qian Sheng into the money account for experience. Finally, he sternly warned Qian Sheng: "Be humble.
, learn their skills as soon as possible. If you only think about fighting for power and profit and don't make progress in business, don't blame me for turning against others!"
"Don't worry, Sanlang." Qian Sheng patted his chest and said, "If you don't tell me, I will learn from you humbly."
