Making this difference is not because Li Mu is unconscionable. He is considering the future. As the bank develops, various costs will also increase. For example, the cost of printing treasure banknotes and the cost of promoting it in various places. In this wave in Chang'an City, Li Mu
He spent 100,000 yuan, but if he couldn't go to every place and spend all this money, then he would be a bit rich.
You don’t have to make a profit in doing business, but you can’t lose money!
It's not a problem to be stuck in the street all the time. After the ceremony outside, Chang Sun Chong, as the president of Datang Bank, invited all the guests to visit the business hall on the first floor of the bank.
The space is limited and there are many people. Those below Marquis and below the fourth rank are basically unable to enter.
This made the invited merchants feel that Beier had a lot of face. At least today, they were ranked higher than the fourth rank, comparable to princes. Changsun Chong saw the expressions of these people and admired his mentor even more in his heart. His mentor was very fond of these merchants.
His mentality was so well controlled that he tamed them all by just using the word "vanity". And these people were still ignorant, which showed the master's brilliance even more.
The display on the first floor is actually very simple. It’s just that the style is a bit strange. At first glance, someone who didn’t know it might have thought it was a prison in Dali Temple. The iron fence protecting the counter is as thick as a child’s forearm, which makes it look like a bank.
There is really no shortage of money, otherwise why would you use such thick solid iron?
Outside the counter, there are simple long benches for people doing business to sit on. The benches are also made of iron. Looking at the posture, it seems that they are planning to build a "ten-thousand-year prison".
Changsun Chong briefly explained the process of doing business, and then took the guests to the second floor. The second floor is the same as the heaven and earth, and is regarded as a VIP area. Business less than one thousand guan will not be accepted on the second floor. Therefore, if you can go up
Those who are able to go up to the second floor also show their identity and strength.
Of course, today's guests all have this ability. The decoration and furnishings on the second floor are also worthy of their status.
As soon as you enter, you will find a spacious and bright lounge, with a jacquard carpet from Persia on the floor. When you step on the carpet, you feel like you are stepping on clouds. There is a row of armchairs on the carpet, and exquisite refreshment fruits are placed on the table next to the chair.
It was enjoyed by the distinguished guests who were waiting to do business. All the things were high-end goods from Chang'an City, and none of them were cheap. As for these entertainment supplies, on average per person, they cost more than a ton of money at a time.
Outside the lounge door is a long corridor, with single business rooms on both sides, both separated by thick mahogany. Once the door is closed, no one knows what kind of business the client is doing.
The VIPs were full of praise when they saw this. Chinese people have always kept their talents secret. This kind of single-person business room brought people a great sense of security. After visiting the VIP floor, the guests went to the third floor for a meeting.
room.
There, Datang first held a brief bond offering ceremony.
The shares have been subscribed for long ago, and even the contract has been signed. Now it is just a formality.
Sun Chong, the president of Datang Bank, issued the debt certificates to all the guests who subscribed, which meant that all the procedures were completed. Everyone checked the certificates in their hands very carefully. They were not looking for anything else, but specifically looking for Li Mu's seal.
In their view, the bank's credit is far less reliable than Li Mu's promise.
After the ceremony, President Sun Chong reiterated the current main business of Datang Bank. Except for the bond part, everything else is the same as before. Those who can come here today already have accounts in the bank.
, I am not unfamiliar with these businesses at all.
However, soon, all the guests were shocked, because Changsun Chong said something that had never been done before.
“From now on, depositors who deposit money in our bank, including all branches and sub-branches, will permanently enjoy the preferential treatment of ‘free current deposits and regular interest payments’!”
After hearing these eight words, the guests who had just become drowsy because Chang Sun Chong repeated the business content suddenly became energetic, and they all said: "Speak clearly!"
"It's very simple. Our bank divides deposits into two types of accounts. Current accounts can be withdrawn at any time, and time deposits have an agreed deposit period."
"For current accounts, we do not charge any fees. For fixed-term accounts, we will pay interest based on the deposit period. The longer the deposit period, the higher the interest rate!"
"What?!"
"What?!" The guests were all stunned: "Put the money in the bank and get the money without doing anything?"
Everyone’s first reaction was disbelief. Is there such a good thing in the world?
Li Shimin was also a little confused. He remembered what Li Mu had told him before. It was not that the Tang Dynasty had no money, but that all the money was in the hands of aristocratic families. They had accumulated money for generations and could not spend it or use it up, so they hoarded it.
, this is the main reason why money is scarce in the market.
Why do they hide their money instead of investing it? Li Mu's explanation is that their own business has reached a bottleneck and other businesses cannot get in. Without a way to invest, they can only let the copper coins rot.
And if you want to make money from money, other than taking out a mortgage, you can only start your own business. Where can you find this kind of money-making thing?
However, there were not without smart people among the guests. Someone quickly reacted and secretly scolded Li Mu for being treacherous.
In fact, this is old wine in new bottles. In the past, one of the bank's businesses was external lending. The profit ranged from one cent to three cents. At that time, the money for external lending came from the input of the Ministry of Internal Affairs. So this business
, it depends on how much money is in the accounts of the Ministry of Internal Affairs, and it will be taken out in proportion. Sometimes the quota is no longer available, and you have to wait for the next period of accounting by the Ministry of Internal Affairs to get the quota before you can get a loan.
Well now, the bank directly absorbs private capital and then uses it for lending. If the expectations are correct, the interest it takes in will definitely be less than the interest it lends. The bank is doing nothing, just making money by doing what is left and what is right.
Got a price difference.
In the past, Chang'an City's loans and private capital could still make a good living when banks did not have loan quotas. Now it seems that this bowl of rice will no longer be available. As long as the banks are open, funds will flow in, and the quota will always be there.
Yes, unless they are fools, no one will use private loans anymore.
"Then how much interest can be paid?" Someone happened to be asking.
"The annual interest rate for one-year term is 6%, the annual interest rate for three-year term is 8%, and the annual interest rate for five-year term and above is 1 cent."
Listening to Chang Sun Chong tell the amount of interest, people who had seen through this matter before felt like "Sure enough" in their hearts. But they couldn't envy the money because it was an additional benefit brought by the bank's credit system.
Of course, others can do the same thing. The key is whether anyone can trust you. If you can’t trust you, everything will be in vain.
"The interest may rise or fall in the future, but no matter how long the deposit period is, it will be settled with the interest on the deposit date."
"What if we need it urgently? Can't we get it before it expires?" someone else asked.
"Yes, it is possible. For more than one thousand guan, you need to make an appointment one day in advance. Once you have a thousand guan, you can withdraw it at any time." Changsun Chong explained: "But the interest can only be calculated based on the number of years of deposit. If it is less than one year, the part withdrawn will
Interest will be deducted."
"That's it..." Although I think it's somewhat uneconomical, withdrawing money in advance is a breach of contract on your part, and deducting a little interest is acceptable. What's more, the deduction is for the withdrawn part, and the unwithdrawn part is still entitled to
Interest.
"In addition, although my mentor did not come in person today, he said that you would strongly support the construction of Datang Bank. As the saying goes, give me peaches and repay Qiong Yao. Since you have expressed your gratitude, he will also reciprocate.
The money that you all deposited in advance, my mentor has authorized, will be doubled on the basis of the basic interest. No matter how much the difference is, my mentor will make up for it!"
Everyone looked at each other, double the interest?
Six cents becomes one point and two, which is much more profitable than buying bonds!
If it’s a five-year term, it’s two cents profit. If the business doesn’t do well, it’s hard to make so much!
Isn’t the money stored in the cellar at home already found?
Seeing that it was profitable, some people quit and shouted: "It's not fair! Before, Mr. Hou only talked about the bonds and did not talk about the interest. I don't know, but why does anyone know? Hou
It’s not fair that I favor one over the other!”
"Yes, it's not fair! Knowing that there is such a good thing, I have to save a hundred thousand yuan even if I don't say anything!"
"Yes, I also have some spare money at home, not much, maybe thirty to fifty thousand yuan!"
Each one had a louder voice than the other. Li Shimin listened in the corner and cursed in his heart. These bastards, as long as money is mentioned during the court meeting, everyone will step back. Now, are they showing off their wealth? A little fourth grader.
, you can easily spend 30,000 to 50,000 yuan, but the emperor is short of money. What is wrong with this world?
"Hey!" A sigh attracted everyone's attention. Li Mu appeared at the door of the conference room at some unknown time. The shouting stopped suddenly, and not a single person mumbled. Don't look at them in front of Changsun Chong.
There are really not many people in Chang'an who can grin and scream in front of Li Mu.
"We are all friends, why are we yelling for a small amount of money?" Li Mu glanced at everyone and sighed; "Yes, this matter is considered to be that I favored one over the other and was not very considerate. It doesn't matter, you can make up for it! I will take out another one
Once the limit of one million yuan is released, the money deposited in the bank today will also receive double interest. Is this the head office?"
"..." Everyone looked at me and I looked at you. Suddenly I didn't know who ran away first. A group of people rushed downstairs. Just now on the first floor, they explained how to make a deposit. One of them
The business is called committed deposit. That is, you go through the formalities first, and then the bank goes to your home to withdraw the money. If the bank cannot withdraw the money by the agreed time, the customer will be blacklisted, and not only will the account be cancelled, but the Ministry of Internal Affairs and Foreign Affairs
Even the government will not do business with people with tainted credit. The losses will be huge, and no one dares to joke about this matter.
There are so many people here, and the total quota is only one million yuan. Whoever takes the first step will be the winner. Those who are slow will have to follow behind.
Li Shimin was dumbfounded. He never imagined that Li Mu only planned to ask for one million coins, and now he wanted more than two million coins. This kind of money-making method is truly unprecedented.
"The one million share is all gone!"
There was a shout from downstairs, and Li Shimin was used to it and was numb.
He was numb, but was he numb? Everyone who was waiting in line for a deposit blinked and quit when they heard that the limit of one million yuan was gone. They all found Changsun Chong and wanted to discuss it again. Changsun Chong was
He had no choice but to agree and come up with another one million yuan. This was the best he could do. If there was more, he would have no choice. After all, it was Li Mu who had to pay the interest discount. As a big boss, he had no choice but to agree.
Disciple, you can’t sell your master, can you?
In fact, the so-called quota is pure nonsense. In the beginning, banks were still afraid of how much money they had. Moreover, the purpose of absorbing this money was to lend it out. Even if the interest rate is doubled, it is not as high as the interest rate for lending, and the bank still does not lose money!
Artificially creating panic and hunger marketing are marketing techniques that Li Mu learned from a mobile phone brand in his previous life.
Great effect!
In order to appear low-key, Li Mu deliberately did not attend today's opening ceremony.
But with so many distinguished guests coming, they reluctantly paid for it for his sake. He couldn't help but ignore them, so he set up a banquet in heaven and earth, and took care of the meal after the ceremony.
Li Mu's treat was always a big one, especially when he wanted to show off his strength. This meal was not sloppy at all. In addition to the original chefs in heaven and earth, several royal chefs were also borrowed from the palace. Many of them were only eaten by the emperor.
Today, all the guests can have a taste of the dishes. He is numb, but is there anyone else? Everyone waiting in line to make a deposit heard that the limit of one million yuan was gone in the blink of an eye, and they refused to do it.
They all found Changsun Chong and wanted to discuss it further. Changsun Chong was forced to have no choice but to agree and come up with another one million yuan. This was the best he could do. No matter how much more, he would not be able to do anything.
There is no other way. After all, Li Mu is responsible for paying the interest subsidy. As the eldest disciple, he cannot betray his master, right? As the eldest disciple, he cannot betray his master, right?
In fact, the so-called quota is pure nonsense. In the beginning, banks were still afraid of how much money they had. Moreover, the purpose of absorbing this money was to lend it out. Even if the interest rate is doubled, it is not as high as the interest rate for lending, and the bank still does not lose money!
Artificially creating panic and hunger marketing are marketing techniques that Li Mu learned from a mobile phone brand in his previous life.
Great effect!
In order to appear low-key, Li Mu deliberately did not attend today's opening ceremony.
But with so many distinguished guests coming, they reluctantly paid for it for his sake. He couldn't help but ignore them, so he set up a banquet in heaven and earth, and took care of the meal after the ceremony.
Li Mu's treat was always a big one, especially when he wanted to show off his strength. This meal was not sloppy at all. In addition to the original chefs in heaven and earth, several royal chefs were also borrowed from the palace. Many of them were only eaten by the emperor.