After listening to Dong Mingjue's words, Xia Nan high-fived and applauded: "Yes, I grasped the key point in one sentence and has a future." Pen, fun, pavilion www. biquge。 info The interest is to make them feel that the silver is hidden in the cellar and moldy, and it is better to save it in the bank to increase its value. As for how much the interest is set, I'm not sure, you are a native of Guangzhou, and you have been trained in Qianzhuang, you can talk about it. ”

Although Dong Mingjue doesn't know what "value-added" means, he can basically guess it. She thought for a while and replied cautiously: "Private loans in Guangzhou generally have a monthly interest rate of one to two cents, and there are also four or even five cents per month, which belongs to usury. My subordinates feel that the monthly interest we set can be the same or slightly higher than that of ordinary loans, and the monthly interest rate of about two cents is reasonable. ”

Is there a 2% monthly interest? Xia Nan recalled that it seemed to be similar to the old time and space, just slightly higher than the bank's fixed interest rate.

He asked rhetorically, "Suppose you have 100,000 taels of silver and two cents of interest per month, are you willing to deposit the silver in the bank?" ”

Dong Mingjue quickly calculated in his heart, 100,000 taels of silver, two cents per month, 2,000 taels a month, and 24,000 taels in a year, which is really a lot. She replied honestly: "If I have so much silver, I will definitely be tempted in the face of such conditions." However, there is also a risk of whether you can recover your capital, which may be in a dilemma. ”

Xia Nan nodded: "This is a problem of building a credit system, and it will take time." However, Hongtu Money Village is the largest money village in Guangzhou, and its reputation should be good, right? "The reason why he went to great lengths to get the grand money bank, in addition to the channels and manpower, is more important is the intangible asset of credit, which can not be established in a day or two.

Dong Mingjue replied: "Gao Hongtu is a person and does not evaluate, but he is really effective in running the bank, and the reputation and reputation of the Hongtu money bank are far above other peers. ”

"Since there is no major problem in terms of credit, the first problem is solved." Xia Nan said, "The second problem is how to determine the monthly interest. My initial idea is to divide it into regular and current periods. The current account can be withdrawn at any time, and the interest rate is set at 5%; For a regular period of one year and two years, the interest is two cents, and the interest is three cents for more than two years. ”

"Regular, current?" Not only Dong Mingjue's eyes widened, but even Xie Wenjun was also attracted, this statement is quite fresh.

Xia Nan explained: "The current account is to meet the needs of those who are cautious by nature, these people want to make money, but they are afraid of taking risks, and they are not at ease when the money is placed with us for a long time - of course, it is not excluded that some people are short of money and need to withdraw cash at any time." As for the fixed deposits, they are the guests we really need to get in touch with - for a fixed period of time, their silver is our silver, and we can spend it freely. ”

Dong Mingjue then asked: "If you have to take it out in advance, how to deal with it?" ”

"This is simple, there are gains and losses, and if you take it out in advance, it will be calculated according to the current interest, and you will have an interest. I believe that those who are willing to save a fixed term will not lose a lot because of a small amount, and they will calculate this account. ”

Dong Mingjue thought about it carefully, and all aspects of this method were considered: it could ensure enough temptation for potential guests to make the rich people in the city willing to take the silver out of the cellar; A reasonable echelon gap was designed to guide the silver deposited into relatively stable funds through regular means. She couldn't help but let out a sigh of relief, and praised sincerely: "The old man is really a genius that is rare in a hundred years, and such a method can actually come up with a five-body throw that his subordinates admire." ”

Xia Nan smiled slightly, this is the benefit of hundreds of years of knowledge.

Xie Wenjun next to him said leisurely: "Even if these big families are willing to deposit their silver in the bank, whether it is for three years or five years, you will eventually spit it out, so where does these high interest come from?" You won't lose money and make money, so you can count the money all day long, right? ”

Xia Nan glanced at her and said to Dong Mingjue: "You just have to do this well, and how to use these savings will be handed over to me." I will use it to invest in sea trade, go to Japan to make money, compared with the profits over there, even if I pay five cents of interest here in Guangzhou, it is only a drizzle. ”

In fact, in the final analysis, Xia Nan did not really want to establish a modern bank system in the feudal society in the 17th century, but borrowed and strengthened the bank's means of attracting deposits, and gathered a large amount of cash in a short period of time to invest in the profiteering industry and accumulate more wealth, so as to support the expansion of the Qiongzhou camp. This is more similar to the fundraising of the old time and space, rather than the traditional bank deposit business.

Only then did Dong Mingjue know that the master was playing a big game of chess, and he wanted to gather the wealth of the entire Guangzhou City to do business, how bold was this?

She replied respectfully: "My subordinates must do their best to do a good job for the master, and do their best for the master's great cause." ”

"Very good, I will wait for your good news."

"There is one more thing I want to ask the master to instruct: Do you still do the things that used to melt silver coins and exchange money in other places?" These are the core businesses of Qianzhuang in the past, and Dong Mingjue doesn't know whether to give up completely.

Xia Nan shook his head: "It takes a lot of effort to exchange money in different places, and it doesn't make too much money, and there is no room for development in Guangdong, and it is not realistic to expand the semicolon outward - now the thieves are rampant, the Tartars are knocking on the customs, and there is chaos everywhere, and the opening of a branch in other provinces is to send silver to the thieves." Let's put this matter aside for the time being, and wait until the world is stable and the four seas are peaceful. As for the smelting of silver coins, as long as it does not affect the main business, it does not hurt to keep it, although it is not bad to enter the account, it is always the main business of the bank. ”

"My subordinates understood."

Next, Xia Nan explained some details of the deposit business or "fund-raising" business of Qian Zhuang, and Dong Mingjue remembered them one by one, and after Xia Nandu finished speaking, she proposed to return to Guangzhou the next day and start the plan as soon as possible.

Xia Nan smiled: "It's not bad for one or two days." It's high anyway, and it's Maria's church wedding in a few days, so let's stay and watch the ceremony. ”

Dong Mingjue was secretly happy in his heart, this was a signal that the master regarded her as his own, and it was also a good opportunity to get closer to the master, so he quickly nodded and agreed.

Maria returned from England a few years ago, and experienced Lin Weiye's wedding, sending troops to take the two counties of Changhua and Chengmai, and paying the grain of the three counties. During these few months, a smaller church was built in Lingao.

Thanks to modern construction methods such as cement and bamboo-reinforced concrete, a small church was built in a matter of months. Except for the semicircular arches, window openings, and round dome roofs, which are in the style of Romanesque churches, the rest of the city is built in an authentic Chinese style and in a modern way.

(To be continued.) )