The main source of profit of the ticket number is the exchange fee, the main source of profit of the money is undoubtedly the deposit spread, low interest to absorb deposits, high interest lending is the foundation of the survival of the bank, Yuanqi Bank greatly increased the deposit interest, greatly reduced the loan interest, this is not only malicious competition, can even be said to cut off the life of the bank!

After a long silence, Zhang Deming's gloomy face began to ease, he stood up, paced slowly in the room with his hands behind his back, and after a few back and forth, he slowly spoke: "Go to the Bank Association to complain, we Hengtai can't afford to lose that person." ”

Yang Kaitai looked at him and said, "Does the big shopkeeper have a way to deal with Yuan Qi?" ”

"It's hard to be angry." Zhang Deming turned around and sat down, and said calmly: "Yuanqi Bank's move is not only to offend the money bank, he has offended the ticket number, money bank, pawnshop, and printing bureau all in one fell swoop, don't worry, he won't be able to jump for a few days." ”

What do you mean, sit back and wait for the collapse of Yuanqi Bank? Yang Kaitai was a little anxious, he didn't know if Yuanqi Bank could jump for a few days, but he knew that if he didn't take measures quickly, Hengtai Qianzhuang would face the risk of a run, and he didn't go around in circles, and said directly: "Big shopkeeper, Yuanqi Bank's small biography spreads, and Hengtai is very likely to suffer a wave of runs, how to deal with it?" ”

"Not possible, run is for sure! And quickly! Zhang Deming said in a deep voice: "Immediately mobilize cash, if it is less than 1,000 taels, it will be paid as you like, and the customers who are more than 1,000 taels will be comforted and promised to pay in three days." ”

A delaying tactic? Yang Kaitai said worriedly: "It's the peak season for maritime trade...... If you delay for three days, I am afraid that it will damage the reputation of Hengtai. ”

Zhang Deming glanced at him dissatisfied, and said: "The run on the money has no money to support and damages the reputation, which one do you choose?" The lesser of two evils, don't you understand? Saying that, he walked behind the desk, and while studying the ink, he said: "Let's go our separate ways, you go to the front desk to stabilize people's hearts, I will send a letter to the owner, mobilize silver taels, and then go to the ticket number to borrow some cash, and get through these days first." ”

The leaflets of Yuanqi Bank caused a huge sensation in Xiguan and Guangzhou City, and almost all of the small people who posted and distributed leaflets everywhere were surrounded by water, because Yuanqi Bank not only had high interest on deposits, but also had a very low threshold for deposits.

Not to mention the merchants, even the street stalls and vendors are very interested, and they have stepped forward to inquire about the various situations of Yuanqi Bank, but anyone who has two surplus money in hand is very excited.

Because the ticket number money bank never accepts small deposits, nor does it put small loans, there are three or five oceans in hand, there is no way to lend, want to borrow a few oceans, can only find private individuals This is often usury, now the deposit has a monthly interest rate of one cent, and you can deposit a loan two, the loan interest is only five percent higher than the deposit interest, where to find such a good thing?

What reassures them even more is that Yuanqi Bank is a money bank opened by the children of the Thirteen Banks, who doesn't know the joint and several mutual insurance system of the Thirteen Banks? Who doesn't know that the Wu family Pan family is rich in the southeast?

After understanding the situation, ask the location of the general number of Ming Yuanqi Bank, and those who are anxious will quickly squeeze out of the crowd and go home to get the money.

In less than half a day, the entire city of Guangzhou and its suburbs were boiling, with teahouses, restaurants, dock inns, streets and alleys, talking about Yuanqi Bank everywhere.

At the same time, the large and small money shops in Guangzhou City and the suburbs began to get busy, and the small money houses and silver money exchange shops were busy exchanging copper coins for the ocean, and some even lined up outside the stores, all of which were in a hurry to exchange money for the ocean.

Large and medium-sized banks are busy dealing with those who come to withdraw money, and with Yuanqi Bank, who wants to deposit the former bank? In the face of high interest rates, any old customers are, and in the face of low-interest loans, any old friendship is also a floating cloud.

Only the ticket number is not busy, although the deposit interest of the ticket number is low, but the source of deposits is mostly officials and wealthy households, and they are large deposits, for the high-interest deposits of Yuanqi Bank, although they are excited, but they still want to wait and see for a while, however, the ticket number is not busy, the shopkeeper is busy, in the face of the sudden large-scale run, the money banks have asked for help from the ticket number with business dealings.

In the face of this situation, the ticket number shopkeeper did not dare to borrow easily, they were also afraid that the big customers would suddenly withdraw large deposits, and they were also worried that the run would spread to the ticket number.

The big shopkeepers of the money who failed to borrow the cash as they wished were in a hurry and rushed to the Xiguan Banking Association.

The head office of Yuanqi Bank and the branches of the bank opened only half a day before it became popular, there was a long queue in front of the small deposit counter with a minimum deposit of one yuan, and there was no one in front of the ticket and large deposit counter, the shopkeeper and a group of guys were busy, sweating profusely, but they were all excited and happy.

Yuanqi Bank head office backyard, study.

Kong Jian'an looked at Yi Zhizhi with a serious face, and said: "Big shopkeeper, with all due respect, Yuanqi Bank's move will inevitably become the public enemy of Guangzhou ticket numbers, money banks, pawnshops, and printing bureaus, and the bank hall will also forcibly interfere with ......." ”

"How will the bank club interfere?" Yi Zhizhi said: "Is it possible to seal Yuanqi Bank?" ”

"It's not impossible." Kong Jian'an said in a deep voice: "If you don't listen to the dissuasion, the bank hall will put pressure on the local government and ban Yuan Qi through the local government." ”

"Yuanqi Bank is neither illegal nor prohibited, can it be said that it will be sealed?"

"The official word is open...... What's more, Yuanqi Bank's move is indeed suspected of malicious competition and disrupting the market. Kong Jian'an said in a heavy tone: "In Guangzhou City and Xiguan, there are many pawnshops, money shops, and printing bureaus that have all kinds of inexplicable relationships with the government, infringing on their interests, how can they give up?" ”

Yi Zhishu slowly took out the folding fan, and shook it unhurriedly: "Did Shopkeeper Kong see Wu Changqing today?" ”

"Nope." Kong Jian'an shook his head, not understanding why he suddenly mentioned Wu Changqing, and was about to be persuaded again, but he suddenly thought of Wu Changqing's identity, and was stunned, before he tentatively said: "Where did Wu Changqing go?" ”

"He accompanied the old man of the Wu family to the Governor's Mansion." Yi Zhisuff said with a smile: "He brought with him a 100,000 yuan banker ticket that was paid at sight. ”

"One hundred thousand!" Kong Jian'an opened his mouth wide, looking at Yi Zhizhi blankly, he didn't know what to say, this stroke is too big! Reach out and give away 100,000!

Yi Zhixiang smiled disappreciatively and said, "I can't bear to let the child trap the wolf ......." ”