Three days later, Chen Ke was reading a book at home. Qian Sheng hurried over and reported: "The Third Division refused to accept our banknotes and required the cash to be put into the warehouse. At the worst, we had to exchange them for coupons or gold and silver certificates. In short, it didn't work." Accept our banknote." He said with a worried look on his face: "We have already prepared the cash, but the next day we will allocate funds to Kaifeng Mansion to pay the final payment for the land purchase. In the next two days, we will have to pay compensation to the victims. We've paid. With so much treasury money available at once, if the merchants and the demolished households of the Thirteenth Bank Shop don't recognize our banknotes, we'll be in big trouble."
"Before, Bai Yaming had already negotiated with Wang Shanggong, the envoy of the Ministry of Household Affairs, half in cash and half in banknotes, and half of the banknotes would be paid as interest per month." Chen Ke put down the book and frowned: "Why did you change your mind again?"
"Shopkeeper Bai went to look for it for us, and Wang Shilang said that this was Xianggong Han's order, and he had to obey it."
"Han Qi..." Chen Ke frowned and said in a deep voice: "He is indeed a guy who doesn't want to suffer losses!" The Bianjing money account disturbed Xianggong Han's good affairs at the auction. He has always only made gains and never suffered losses in his life. Han Qi naturally wanted to give them a look.
"This time, we can't repeat the same tricks." Qian Sheng whispered.
"That's natural." Chen Ke nodded. The same method was used to deal with Xiangguo Temple and everyone said it was wonderful. But if you dare to deal with the Third Division like this, believe it or not, Han Qi can order troops to plunder your treasury.
But since he dared to do the first grade, he expected that he would do the fifteenth. After pondering for a moment, he ordered: "There is nothing to discuss about the money from the third division. We are just passing it by and we must deliver it on time."
"Then with the remaining 1.5 million guan of treasury silver, how can we plug the hole of 4 million guan?"
"Don't worry. Bao Longtu won't make things difficult for us." Chen Ke smiled and said, "Is the list of compensation coming soon?"
"Shopkeeper Li went to Kaifeng Mansion to pick it up. It should have been returned to his account."
"Ask shopkeeper Li to issue a bankbook to each household according to that list." Actually, there are some things that Chen Ke could have said earlier, but based on his experience in his previous life, he would only tell the next step when the matter is about to happen. Conducive to establishing one's own authority.
"Passbook?" Qian Sheng blinked and said, "What is that?"
"How did you become the boss?" Chen Ke scolded with a smile: "Go back to the counter and ask yourself!" Even so, he still briefly explained. In the past, whether it was a coupon exchange, a gold and silver coupon or a certificate of deposit issued by Jiaozi, They all deposit and withdraw in lump sum. Although this is easy to manage, it is quite troublesome for savers.
For Chen Ke, who has more than a thousand years of experience, this is not a problem. Just like 'loan first and pay later', a simple innovation of 'deposit in whole and withdraw in small amounts' can solve this trouble. It is just a layer of window paper. Others just can't think of it, and this is his advantage.
"Open an account for each demolished household and deposit their compensation money in the account." Chen Ke ordered: "Then take care of the official errands of Kaifeng Prefecture one day in advance and let them use our finances to distribute the money. I will go there tomorrow to hold a mobilization meeting for the economists and let them treat it as a matter of life and death."
"There are 1,700 households, and each person is responsible for 17 households, and they must complete the work from house to house." Chen Ke said slowly: "We must let the depositors understand that their money is in the account and can be withdrawn at any time. And the amount can be withdrawn as needed. Let them know that the money in the account is absolutely safe, and interest will be paid every month.”
"The average demolition payment for each household is 23 million guan. We give a monthly interest of 8%, which is 18,400 guan in interest every month. After one year, it is 220 guan, which is one step harder than their whole family. How is the annual income?" Chen Ke played with a paperweight and said with a confident smile: "And our next step is to open more than ten shops throughout Bianjing City to facilitate depositors to handle business. As long as we break down the truth Break it into pieces and explain clearly whether it is a deposit or a withdrawal, and let them decide for themselves."
"The monthly interest rate is eight percent, which is really high enough." Qian Sheng said with some heartache. In this way, the monthly interest payment was gone.
"With a monthly profit of eight cents, we still make a lot. If you insist on comparing it with the pawn shop, then I have nothing to say." Chen Ke put down the paperweight, looked directly at Qian Sheng and said: "But our pursuit is reasonable. The profits are huge, not huge profits. We need to release water to raise fish, rather than drain the lake to fish."
"I'm afraid that if this happens, people all over the capital will come to us to save money." Qian Sheng said with a bitter smile.
"Isn't this exactly what we need? With more deposits, we can have the confidence to borrow money," Chen Ke said with a loud smile: "Don't forget, Shisanhangpu still has a loan demand of nearly 10 million yuan." The pride in his chest made him laugh. He stood up, opened his arms and said: "Not to mention, the entire Bianjing City, the entire Song Dynasty, and those industries and businesses that endured the exploitation of loan sharks are eager for us!"
"Then we will become a thorn in the side of the pawn shop." Qian Sheng still smiled bitterly: "They all have a deep background!"
"How can you do something without offending others? If you want not to offend others, you have to do nothing." Chen Ke shook his head and said: "Let them come, the soldiers will stop them, and the water will cover them. Don't worry, we can persist for two years at most. Bianjing City The pawn shops will either lower their interest rates or close down. By then, our environment will be much more relaxed."
"I hope so." Qian Sheng nodded, chatted with Chen Ke for a few more words, and then left.
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After Qian Sheng left, Chen Ke just wanted to continue reading when Cao Ping came again. He first went to say hello to his aunt, and then went into Chen Ke's room.
Chen Ke asked him to sit down, and asked someone to serve some fruit. He peeled off a pomegranate and handed it to Cao Ping, "What brought you here?"
Cao Ping has a very handsome face, but he doesn't look so outstanding because he is always with Di Yong. But compared with Di Yong, he is truly super tall, handsome and rich. His great-grandfather was the first emperor of the Song Dynasty. A soldier, Cao Bin, was the privy envoy of the three dynasties of Taizu, Taizong and Zhenzong. His aunt is the Empress Cao of the Song Dynasty today. Their family is good at financial management and has been run by four generations. It is known as the richest family in Bianjing.
He has taken over all the good things in the world, do you think there is any justice left in the world?
However, the Cao family has strict rules, and there is no arrogance in Cao Ping at all. Instead, he treats others in a friendly manner. He took the pomegranate and said with a smile: "As you said, why don't you come and see your aunt and cousin if you have nothing to do?"
"Fuck you." Chen Ke said with goosebumps all over his body: "Put this 'watch' away, I can't bear it."
"My cousins, what's wrong with you?" Cao Ping said with a smile. The two chatted for a while, and then he asked casually: "By the way, what you said that day was not a perfunctory expression. Brother."
"What's up?"
"It's about buying shares." Cao Ping said with an embarrassed smile: "You told me personally on the day Bianjing Money House opened." After that buying and selling meeting, the name of Bianjing Money House was resounding throughout Bianjing.
People have never seen a bank with such great courage. Compared with this bank, Daxiangguo Temple’s Endless Treasures is much inferior, so there are rumors that this bank’s strength is unfathomable, even more powerful than Daxiangguo’s.
The temple still has money.
On the day of opening, Chen Ke mentioned this to him. At that time, Cao Pingguang was busy borrowing money. Without paying attention, the Bianjing Money Account had become an existence that could not be ignored. For fear that Chen Ke would regret it, Cao Ping could not sit still.
, came over to ask about buying shares.
"Of course I keep my word." Chen Ke opened the drawer and took out a red satin booklet and handed it to him.
Cao Ping took it and saw that it was the "Bianjing Qianhao Share Book". He immediately burst into laughter and said, "What a good brother." He opened it and looked at it carefully. After reading it, he said with a strange expression: "Half a percent of the shares is too little.
Alright?"
"This is the original stock price, with no premium at all." Chen Ke rolled his eyes and said, "It's almost like giving it away for free. Isn't that interesting enough?"
"That's interesting, that's interesting." Cao Ping said with a smile: "Let's talk about it, can you transfer more to me? I can buy it at a high price, I guarantee the price is fair."
"How much do you want?"
"How about giving me 30%?" Cao Ping asked tentatively: "Our family will pay 2 million guan for the purchase." This is a premium of 800,000 guan over the original stock price, which cannot be said to be unkind.
"Haha..." Chen Ke sneered.
"What, is it too little?" Cao Ping whispered, "You can add more."
"To be honest, first, I can't give you so many shares." Chen Ke shook his head and said: "Second, if we are talking about business, you can only buy 10% of the two million yuan."
"The money you set up with a share capital of 4 million yuan is worth 20 million yuan in just half a month?" Cao Ping said in shock.
"Don't think it's expensive, it will be worth 200 million yuan in two years." Chen Ke said with a smile: "Come and eat some fruit, these oranges are really good."
"How can I afford it?" Cao Ping said with a bitter smile: "Two million dollars and 10% of the shares, I can't explain to those old men when I go back."
"I can give you a guarantee that I will buy back 10% of your shares with four million yuan in two years. How about that?" Chen Ke said with a smile.
"Really or not?" Cao Ping widened his eyes and said, "There's such a good thing."
"You can't prove it by words, but you can prove it by writing it!" Chen Ke raised his eyebrows and said: "Of course, if you can prove it by writing, you must sell it to me when the time comes."
"Brother, you are really..." Cao Ping had to give a thumbs up and said: "Domineering!" If a written document is established, two million yuan will become four million yuan in two years, and there is no risk in making a huge sum. But look at Chen Ke like this
It seems that the stock price will far exceed this number by then.
He has never encountered such an opponent. With just a few words and a quick turn of words, a negotiation has gone beyond the two difficult links of bargaining and whether to buy or not. The only thing left is to sign or not to sign. This is his own decision.
It's a question of trade-offs.
Whether to take a safe two million, or to share the risk with him, is really a question.
