Bankruptcy system! ”

"If you don't pay the money, you don't have to pay it back?"

The merchant was the most well-informed, and not long after the end of the court, the bankruptcy system of the Mojiacun Bank had spread throughout Chang'an City.

The merchants of Chang'an were in an uproar and were in disbelief. Although everyone is reluctant to embark on the road of bankruptcy, but who can guarantee their long-term prosperity, the bankruptcy system of Mojia Village simply retains the last trace of dignity for businessmen, only liquidating existing property, not affecting wives and children, and leaving a certain amount of living security, which was simply unimaginable before.

For a long time, Chang'an merchants will not choose to borrow money unless they are forced to a dead end, not because these merchants are not short of money, but because the cost of borrowing money is too great.

However, the lower interest rate and bankruptcy system of Mojia Village Bank made them let down their guard, and suddenly opened the hungry financial market in Chang'an City, and one by one large merchants rushed to Mojia Village Bank to ask for loans with house deeds and land deeds.

Everyone knows that loans are the best loans at this time, and Mojia Village Bank can only maintain a balance by lending half of the money.

"Two hundred thousand! In just one day, Chang'an merchants borrowed 200,000 yuan! ”

In the Mo Mansion, Shen Hongcai changed his previous worries, and said with a smile on his face, he finally did not have to worry about the high interest that Mojia Village Bank needed to spend every year.

The experience of being a bank treasurer in a short period of time is even more wonderful than the experience of his life in Guozijian, and holding such a large amount of money in his hands is simply more fascinating than holding power.

"Brother Shen, can't you borrow all the money, Mojia Village still needs a lot of money to operate?" Xu Jie on the side nodded.

"That's nature!" Shen Hongcai said proudly, "After Shen's calculation, as long as the bank prepares 12% of the deposit as a reserve, it is enough to deal with the risk, but for the sake of safety, Shen decided that the reserve of Mojiacun Bank is at least 20%. ”

"The bank has just been created, so it's good to be conservative, but don't count the profits of Mojia Village, and when necessary, Mojia Village will go all out to this bank." Merton nodded, if the reserves are too high, the bank will not make money, or even lose money, but if the reserves are too low, once the Mojia Village Bank faces a large-scale run, and it will not be able to recover the loan, the risk is too great, although the 20 percent reserve is a little conservative, but it also leaves 30 percent of the profit for the Mojia Village Bank.

"Thirty percent profit!" Xu Jie couldn't help but sigh in his heart, according to the existing deposits of 800,000 yuan in Mojia Village Bank, the annual profit of Mojia Village Bank is nearly 15,000 yuan, which is too easy to earn.

Shen Hongcai couldn't help but feel proud for a while, this is not the limit of the bank, once the scale of deposits increases significantly, the bank's profits will definitely be further expanded. Of course, banks are not without risks, and if someone defaults on their debts or goes bankrupt, the bank will definitely lose a lot of money.

"At this rate, it won't be long before the bank's loan line will be used up, and now that the banks in Chencang and Zhengzhou have been built, if they can continue to absorb deposits, it will definitely allow the bank to go further." After thinking about it, Shen Hongcai suggested that now Chang'an City is extremely hungry for money, and it may be satisfying to use funds from other places to support Chang'an City.

Merton nodded and said: "That's natural, as long as the bank is open in the future, then immediately start the deposit business, as for the loan business, it needs to be done step by step, giving priority to Chang'an City, followed by Mojia Village, and then Luoyang ............." ”

In terms of the size of the loan market, Luoyang is much larger than Mojia Village, but Mojia Village is under the control of the Mo family, and the security of the loan is naturally the highest.

"By the way, the foundation of the Mo family is industry, and when banks issue loans, they can give priority to artisan workshops, even if the mortgage is not enough, the conditions can be appropriately relaxed." Merton commanded.

"But in this case, the risk of the bank will increase a lot!" Shen Hongcai frowned.

In this era, the richest are the merchants, who have the most abundant capital and the largest value of collateral, while the industrial investment is larger, and the capital is expensive, and it is often impossible to take out valuable collateral, and if they lose, I am afraid that the loss of the bank will be great.

"Shinong industry and commerce, the foundation of the Mo family is work, only when the industry is strong, the Mo family can be revived, supporting industry is the enduring concept of the Mo family, even if the bank does not make money, at least 30% of the loan funds must be left to supply the workshop." Merton said without hesitation.

"Alright then!" Shen Hongcai said helplessly, who is called Morton is the owner, but although the risk of lending to the workshop is a little greater, as long as the control is strict, there should be no problem, after all, even if it is a loan to the workshop, it is also necessary to pay interest.

"The Mo family supports the craftsman's workshop!"

"Not only are the approval conditions relaxed, but there are also low-interest loans."

As soon as this news came out, the industrial corridor and the southwest industrial zone between the south of Chang'an City and Mojia Village immediately became a sensation, compared to the high buy and low sale of merchants, as long as the goods are safe, there is not much risk, and the investment in the workshop is extremely amazing, the money required is more, not only that, the Mojia ink technology came out, and suddenly the workshop was updated to speed up, and the workshop was even more risky.

Once they can't keep up with the times, a large number of goods are hoarded in their hands, and the capital chain is broken, there is only one way to die, and the low-interest loans of banks make them simply a long-term drought.

"The Lin family's car and horse shop only used a piece of land, and actually borrowed 5,000 yuan from the bank!" A surprising piece of news soon came from Chang'an City.

"Isn't the Lin Carriage and Horse Shop in competition with the Mo Family's Carriage and Horse Dealership? Can you even take out a loan? Someone was surprised.

When the Mojia four-wheeled carriage first came out, the Lin family chariot and horse shop imitated the Mojia four-wheeled carriage and made a lot of money, but unfortunately with the improvement of the second generation of the Mo family's carriage and the fierce competition of the four-wheeled carriage, it quickly declined.

"After all, Mojia Village and Linjia Village are both craftsmen, and they are in the same spirit. After the Lin Carriage and Horse Company got the loan, it changed hands and ordered 3,000 pieces of carriage glass in Mojia Village, and with this batch of glass, the Lin Carriage and Horse Carriage Company will definitely be revitalized. A well-informed merchant envied.

"There are also rumors that all workshops that use Mojia ink skills can enjoy low-interest loans, and I heard that the lowest is only 3% per annum? Liujiazhuang uses the secret technique of Mojia red bricks, and wants to expand the brick kiln, so Mojia Village directly borrows 500 yuan with an annual interest rate of 3%. A citizen smacked his tongue and said that a loan with an annual interest rate of three percent can be said to be not profitable at all, and it will also bear the risk of bankruptcy of the lender.

"The Mo family really did everything to revive the Mo family." A Confucian scholar said stupidly, anyone with a discerning eye knows that the Mo family's move is to revive the Mo family, and they do not hesitate to spend their blood.

"Isn't that nothing?" An idle man said proudly: "The public loser and the Mo family are recognized opponents, but the young master of the public loser, Gong Yuhao, is highly appreciated by the Mo family, and directly loaned 5,000 yuan to the public loser Hao to open a lock workshop, without a penny of interest." ”

"Really?" Everyone couldn't believe it, and it was unimaginable that the money of the seal without the interest of a penny was simply unimaginable.

"What's even more incredible? According to the Mo family, as long as you have new technology and are appreciated by the Mo family, the Mo family can directly pay to help you open a workshop, and you only need to pay a small amount of workshop shares. "The idler is proud of the Quartet.

"And such a good thing?"

"Can there be such a free lunch in the world?"

………………

Everyone said in disbelief.

"For others, that's impossible, but for the Mo family, nothing is impossible." The idler's eyes were full of adoration.

Everyone was silent, this is indeed the style of echoing the Mo family.

With the preferential treatment of the craftsman workshop by Mo Jiazi, the entire industrial community of Chang'an City cheered, and with sufficient financial support, fresh blood was injected into Datang, and the spring of Datang industry was coming.