Time is silver, this is said to the hearts of a group of merchants, the peak season of sea trade is just a few months, they really can't afford to delay, the acquisition of other money is indeed a good thing in one fell swoop, not only to save time, but also to inherit the original money bank customers and business, even if it is to spend a little more silver, it is completely worth it.

Someone then spoke up: "Excuse me, shareholders can borrow at low interest, what does this low interest mean?" ”

This is also the question that the merchants are most concerned about, Yi Zhishu groaned a little before he spoke: "May I ask what is the interest you borrow from the money bank and foreign merchants?" ”

"Half a month."

"The monthly interest rate is one and eight cents."

"5 cents per month"

Yi Zhisuff pressed his hands weakly, and said with a smile: "The official interest rate set by the imperial court is three cents and six cents per year, that is, three cents per month, and the major money banks in Guangzhou and Xiguan lend money based on three cents.

What you are talking about are the interest standards for foreign loans, I would like to ask, have you thought about it? Why are foreign businessmen willing to lend to you at low interest rates? ”

There was a burst of chuckles in the hall, this question was too simple, Yi Yunchang glared at his son with a dark face, and was about to ask Yi Zhishu to relieve the siege, but Wu Tianyuan already smiled and said, "Isn't the virtuous nephew asking knowingly?" Foreign merchants were not allowed to enter the city, and the imperial court did not allow foreign merchants to lend money to Qing merchants.

Of course, there are also those who directly borrow from foreign businessmen, but they are all not on the table, and they are all under the guise of business debts, that is to say, foreign businessmen cannot lend money to other merchants except for lending to our merchants.

If foreign businessmen do not have low interest rates, who wants to let foreign businessmen earn this interest? In addition, foreign businessmen lend money to our businessmen, and they also have the purpose of maintaining business dealings, so naturally it is impossible to have high interest rates. ”

"The reasons for what Wu Shibo said are all on the surface." Yi Zhizhi said with a smile: "British and American retail merchants have crossed the ocean, all of them are here for profit, why are they willing to lend money to merchants?" One is because there is a guarantee for lending to merchants, because the thirteen banks have a continuous insurance system, and the other is to chase high profits. ”

Speaking of this, Yi Zhishu raised his voice and said: "The low interest rate in the eyes of you is a high usury in the eyes of foreign businessmen!" Why are foreign companies willing to lend? Because there are high profits!

What is the interest rate at which the Bank of England lends money in the UK? Did you know? The annual interest rate is no more than 5 cents! The monthly interest rate is only 4%! This is the average interest rate for all banks in the UK! This is the real reason why foreign businessmen are willing to lend to merchants! ”

The hall was immediately unusually quiet, and everyone had an expression of disbelief, looking at Yi Zhizhi in a daze, with a monthly interest rate of four percent! This is a low interest rate that they could never have dreamed of!

After a while, someone whispered, "This can't be true, right?" ”

Yi Zhixiang smiled and said, "You deal with foreign businessmen every day, is it true, don't you ask and it will be clear?" ”

Wu Tianyuan hesitated and said: "What does it mean to be content, the interest that Qianzhuang lends to our shareholders is also four percent per month?" ”

"Four percent per month, of course it's impossible." Yi Zhicontent said with a smile: "The reason why the interest rate of British banks is so low is because the UK has a developed and mature financial industry and abundant capital in the capital market, and we do not have this condition at present."

In the initial stage of the construction of the bank, to seize the market, a large amount of capital investment is needed, to put it bluntly, we have to grab food from other people's bowls, and we can't grab it without a strong capital, therefore, in the initial stage, the interest given to you by the money bank cannot be too low, and the monthly interest rate is temporarily set at one cent. ”

With a monthly interest rate, everyone couldn't help but be disappointed, and after a little calculation, Luo Futai, a businessman from Dongchang Bank, said loudly: "Let's invest 50,000 shares, borrow 100,000, and have a monthly interest of one cent, isn't this still a loan of 50,000 at a monthly interest rate of two cents?" There is no benefit in the slightest. ”

Yi Zhishu said unceremoniously: "Luo Linguan may wish to take a long-term view, once the money bank stabilizes the market and gains a firm foothold, the amount of your loan will increase, and the interest will gradually decrease, we don't have a goal, it is to reduce the annual interest rate to below one penny, and one more point, Luo Linguan don't forget, the 50,000 shares are shared, and the money bank has dividends every year." ”

Xie Youren then spoke: "There is a shortage of silver money in Guangzhou, how can the money bank absorb deposits?" ”

"Didn't you just say it, snatching food from other people's bowls." Yi Zhishu said and glanced around at everyone in the hall, and said, "The specific method has already been thought out below, but are you sure I want to say it here?" ”

Although a group of people are curious in their hearts, no one dares to speak, let Yi Zhishu say it in public, there are many people, who doesn't have a few relatives and friends? Who can guarantee that there will be no leaks?

Wu Shaorong, who had been silent, said at this time: "There is a bank association in Xirong Lane, do you know that you are content?" ”

"Yes." Yi Zhishu nodded and said: "If the store is big, it will bully customers, and if it is big, it will bully the store, and it is really not worth caring about a Guangzhou silver number industry association." ”

This big tone is scary, opening a money bank in Xiguan, Guangzhou, but not taking the Guangzhou Association of Banks in his eyes, this is to challenge the entire Guangzhou money bank ticket number industry? Where did this kid get his confidence? Wu Shaorong said with a smile: "I'm looking forward to the opening of your money bank, have you thought of a name?" ”

"Yuan, the beginning, the Yuan, the first." Yi Zhizhi said: "I mean to name it after the word Yuan, thirteen is an odd number, and I take Yuan Qi as the name of the money bank, I don't know if the shareholders have any objections?" ”

This is the beginning of the implication that their money bank will be the first of the ticket numbers of Guangzhou money bank? Seeing that everyone was silent, Wu Changqing opened his mouth and praised: "Good name!" ”

Pan Shiming also smiled: "It is indeed a good name." ”

Seeing that the two of them spoke, it was difficult for others to speak again even if they had ideas, and seeing that no one objected, Yi Zhixiang smiled and said, "If there is no objection, then it will be called Yuanqi Qianzhuang." After a pause, he asked, "Do you have anything else to ask?" ”

What everyone wanted to ask most was the personnel arrangement, but on this occasion, no one opened their mouths, and Lu Jiguang said: "Yuanqi Money Village will inevitably start exchange and transfer business, and it will inevitably have to be linked with other money bank ticket numbers, so if you are content, you won't worry about the Bank Association turning Yuanqi Money Village away?" ”

Yi Zhizu looked at Lu Jiguang slightly, the helmsman of Guangli Bank is not very old, it is estimated that he is about the same as Wu Shaorong, but he is twenty-five or six, because his brother died young, he had to take over Guangli Bank.

Nodding slightly at Lu Jiguang, Yi Zhizhi said: "The exchange and transfer business of Yuanqi Qianzhuang is based on the foreign trade of the Thirteen Banks, and will not be co-numbered with other Qianzhuang ticket numbers. After a pause, he smiled and said: "This is the big bully, the thirteen banks monopolize foreign trade, not that we have a request for them, but that they have a request for us." ”