"Dangdangdang......"

There was a sound of gongs, and the bank once again announced a new operation.

"Dear businessmen and friends, our bank has once again proposed a new business, that is, loans. If you want a loan, you can come to us for a loan, and we will issue the loan after review! ”

And a lot of businessmen began to come and express their concern, because it was a bit surprising that this was actually a public loan. In the past, merchants borrowed money from each other through their own networks, and the interest rate was so high that many people could not afford it. There are many people who are forced to close down because of long-term defaults on loans, and the industry comes to pay off the debt. However, no one has ever thought of borrowing specifically as a business, and borrowing is only a temporary thing. But now there are people who use loans to do business, which is obviously a bit confusing.

"How much interest does this loan cost?" Someone asked right away.

"Eight percent a year, that's eight percent interest a year." Said the bank's employee.

"Only eight points? So low? "Yes! So low, huh? "It's almost no interest!" ……

Many people were surprised to hear about the 8% interest, because this interest rate is almost equivalent to no interest. Originally, everyone was very careful about borrowing, because the interest rate of borrowing was too high. But now there is only 8% interest here, so I'm afraid many people will choose to borrow money.

Although there are some people who want to expand the industry and want to take out loans, no one dares to be the first to eat crabs. At present, there are many people who want to expand the industry, but they do not have the money, and these people are the most tempted, because the interest rate is very low. But no one has ever been the first to eat crabs, so everyone just comes to see them, unless there is the first person to eat crabs.

But. There are many bold people in this world, and someone will come over soon.

"I'm coming! I want to borrow money, open a branch in Luoyang, I want to borrow money. Someone said.

And everyone soon saw that this guy was the tycoon of Chang'an's carriage and horse dealership, specializing in carriage and horse business. And now that he actually wants to open a branch in Luoyang, he naturally has to borrow money. He had always wanted to open a branch in Luoyang, but the original accumulation alone was not enough. However, the interest rate on the usual loan was too high, so he had to resist the idea of opening a semicolon for the time being. Now since there are people who take loans. And the interest rate is still so low, then of course he has to seize this opportunity. Because as long as Luoyang opens a semicolon, according to his ability, he should be able to earn back this money soon, which is a very valuable deal.

"Your loan has exceeded 100 yuan, so we want you to take things as collateral." The employee said.

When they heard that they wanted a mortgage, everyone reacted that they were not charities, but they wanted to make money. And the mortgage is to reduce the risk, so that the borrowing can be assured. If it's an ordinary small loan. You can also do without a mortgage. But now people have to borrow a lot of money, so they naturally need to be mortgaged. However, everyone also thinks that this is normal, in business, if someone is looking for themselves to borrow so much. I'm afraid that you also need to be mortgaged. So the mortgage of this bank is not a problem either.

Soon, the owner of this carriage and horse shop also took out a mansion in the inner city, and then mortgaged it. After that, he successfully got the money, and then he was ready to happily open a semicolon. And a lot of people saw it. Immediately, they were completely tempted, because someone had already eaten the first crab, and everyone knew that it was "non-toxic". Then naturally, I hurried over to take out a loan. Especially those merchants who are short of money and can't expand, they want to take out loans. However, they all have to take out things as collateral before the employee can lend, which is the rule of the boss Jingwen. If there is no mortgage, you can only borrow up to 100 yuan, and you can't borrow more. If you take out a loan of more than 100 yuan, you must take out the collateral, otherwise it will not be allowed.

In the evening, Jingwen was listening to Cui Ying's report.

"You said we gave out a loan of 20,000 yuan?" Jingwen asked.

"Yes, this is just today's quantity. If we can continue to lend money in the future, the interest for that year will be enough to reach tens of thousands of dollars. However, we have to find a way to persuade people to come to us to deposit, otherwise we won't be able to last long. If you rely on Jingwen's savings alone, I am afraid that it will not be long before you will be borrowed by the people who flock to the loans. Cui Ying said.

"There's no problem with that, we'll be able to get a lot of people to deposit soon. Those big merchants in Chang'an, we can all lobby them, with my example, they should all make deposits. At present, our deposits are mainly absorbed by those large merchants, and those scattered people do not have many deposits at all, and the efficiency of mobilizing them one by one is very low. Therefore, as long as we make sense of the aristocracy and merchants, we will have a lot of savings. Jingwen said.

Jingwen really didn't want to do deposit business for those ordinary people, because the information processing ability of the Tang Dynasty was very poor. And the people don't have much money to spare, and if you want to mobilize their savings for this little savings, this cost is a bit too much. This means that the Tang Dynasty did not have all kinds of electronic equipment, nor did it have any kinds of equipment that could process information, and communication was very problematic. If this is the case, the cost of information processing is so high that almost no one can afford it. Therefore, in order to reduce the cost of information processing, Jingwen only plans to mobilize those nobles and ordinary large merchants to deposit, they have a lot of surplus money, and the cost of unit information processing has been reduced a lot, which can avoid consuming a large number of manpower to process information.

"Okay, I should find a way to mobilize those rich people to save their money." Jingwen thought.

And Cui Ying saw that Jingwen was deep in thought, so he left immediately, obviously he didn't want to stay with Jingwen more, because he felt very dangerous if it went on like this. And Jingwen is also pondering, the next deposit of this bank is equivalent to kidnapping a lot of rich people, once he is in danger, those who have deposits in his own bank will inevitably have to speak for themselves. This is also the kidnapping through guò economic means, which has to be said to be a very insidious means. (To be continued......)