Nanjing City, Dinghuai Gate.

This is not the most prosperous place in Nanjing City, ten miles of Qinhuai River, from here into the Yangtze River, the end of the prosperity, is lonely, the only thing that Nanjing people will never forget is that here is located the most huge shipbuilding institution of the Ming Dynasty - Longjiang Bao Shipyard, it can be said that the prosperity of Dinghuai Gate, all led by the treasure shipyard, the most prosperous staff of the treasure shipyard, once hit tens of thousands of people, in charge of the supervision of the entire Ming Dynasty sea ships, even if it has declined a lot now, there are still many craftsmen and crews.

Not far from Longjiang Bao Shipyard, today, a huge bank opened, the only difference is that this bank has another name - Yongxing Bank!

Li Yan came to Nanjing this time to bring most of the personnel in Beijing in one go, which is really a lot of money, but Li Yan thinks that it is definitely worth it, otherwise, when he arrives in Nanjing, he is not familiar with the place, and it is not so easy to recruit enough personnel who are proficient in the affairs of the money village in one go, and once the hatred of the local money village is aroused, it may not be able to recruit a person, and it will delay the matter.

Five shopkeepers, sixty bookkeepers, plus a hundred guys, except for some who stayed in Beijing, the main force has all been brought to Nanjing, in Li Yan's words, it is to go to Nanjing with me, we want to lay a world for Lord Zhu Jie!

Came to Nanjing, Li Yan went straight to Dinghuai Gate, this is where Longjiang Bao Shipyard is located, Li Yan remembered the special task given to him by Zhu Jie, digging people, but all talents, must be dug for me! The location of the bank is far away near the Dinghuai Gate, which is naturally close to the water and the building is the first to get the moon.

Throwing out 10,000 taels of silver, Li Yan directly took down a slip of shops in Dinghuai Gate, and after some transformation, Yongxing Bank was open to the public.

Since ancient times, the money village has the rules of the money bank, once the new money village opens, the local money village has to be present to congratulate, and even to take out a bonus, Nanjing City big and small money village more than a dozen, firmly control the financial industry of Nanjing City and even the entire Nanzhili.

How can I congratulate the opening of the new bank, but when many shopkeepers came to Yongxing Bank, they were all frightened by the notice in front of the door!

"The opening of Yongxing Bank welcomes people from all walks of life to deposit, deposit less than 50,000 taels of silver, one cents for half a year, one cent for one year, and two cents for three years; If you deposit more than 50,000 taels of silver, the bonus will be negotiable separately! If you borrow less than 50,000 taels of silver, the interest will be four cents for half a year, three cents for one year, and five cents for three years, and the interest will be calculated on a monthly basis, eliminating compound interest! ”

All the shopkeepers are blindfolded, and the depositors can still get dividends, which has never happened since the appearance of the bank! If you deposit 1 million taels of silver, the interest cost alone will be as high as 15,000 taels a year! The most terrible thing is not the cost, but the attraction to depositors, other money banks have to charge custody fees, but Yongxing Bank not only does not charge, but also has to give money, so fools do not go to Yongxing Bank to deposit money!

Everyone went to Yongxing Bank to deposit money, so how did the money banks live? It won't be long before all the money banks will be squeezed and collapsed!

There is also this loan interest, Nanjing City Money Village lending is generally about eight points, and it is also a compound interest calculation of interest rolling interest, Yongxing Bank only needs the highest four points of interest, and do not compound interest! This is terrible, who will run to the money bank to pick up loan sharks?

"Shopkeeper Wang, do you see it? This, this money bank is really a bit excessive, this is demolishing our platform! ”

"Shopkeeper Song, who is behind this money bank? Isn't this too unsophisticated? ”

"Shopkeeper Lu, this money bank is risking the world's condemnation, and it is definitely going to cause public anger!"

"Maybe, maybe it's just opened, just to be festive, right? With such a low profit, and a dividend paid to depositors, it won't be long before they have to shut down, unless their shopkeeper is a madman! Otherwise, it won't last! ”

One by one, the shopkeeper talked about it, and all of them were shocked, no matter what, the boss behind this Yongxing Bank was too arrogant and courageous, and he dared to put forward such a slogan, this is not going to be mixed!

"Everyone, we are here to congratulate today, the matter of interest, let's talk about it later, first explore the details of their shopkeeper, if it is really so unsightly, don't blame us for being polite, an outsider, if you want to make a splash in Nanjing City, you are not afraid of being drowned!"

An older shopkeeper said in a deep voice.

The firecrackers were released, and after the dragon and lion dance team, they arrived at the front of the shopkeepers to congratulate them.

"Shopkeeper Li, congratulations, congratulations, congratulations to Yongxing, this bank is good for opening, and the financial resources are extensive!"

"Congratulations, congratulations, abundant wealth, access to all directions!"

One by one, the shopkeepers congratulated Li Yan, Li Yan returned the salute one by one, and invited everyone into the back hall, and the things in front of him were handed over to the shopkeeper, and the shopkeeper in front of him was the key!

"Ladies and gentlemen, the contemptible people have just arrived, and they are a little unfamiliar with the city of Nanjing, and in the future, the business of our name will depend on the help of your colleagues, Li Yan has thanked you here!"

After serving tea, Li Yan stood up, made a circle to the shopkeeper present, and spoke.

"It's easy to say, it's easy to say, Mr. Li is young and promising, and he will definitely have great plans in the future!"

"Mr. Li, you are a big deal, you have such a big store in a row, this bearing is really extraordinary!"

Everyone talked about the scene one by one, playing haha.

"Shopkeeper Li, there is one thing, and the colleagues who do it are a little incomprehensible, and they are contemptuous as the president of the Nanjing Qianzhuang Chamber of Commerce, and they want to ask for advice or two!"

A chubby old gentleman stood up and arched his hand.

Nanjing Tiansheng Qian Zhuang shopkeeper, Qian Zhuang Chamber of Commerce President Liu Dawei.

Li Yan smiled and said: "Shopkeeper Liu, if you have something to say, it doesn't hurt to speak, and the younger generation will naturally listen to it." ”

Liu Dawei looked at the young shopkeeper in front of him, and he had a good impression in his heart, he had created such a huge family business at a young age, he was calm, gentle and elegant, and he was definitely a young handsome.

"Shopkeeper Li, it's the notice outside your door, what is the matter with the money of depositors and borrowers mentioned in this notice? Is it a temporary measure at the time of opening, or is it the way to operate your account in the future? ”

Liu Dawei asked in a deep voice.

Li Yan smiled and said: "Shopkeeper Liu, it is naturally the way of management, a gentleman loves money and takes it in a good way, and we have always operated a money village, and the purpose has always been to make money for everyone, and definitely not to covet small profits!" ”

(End of chapter)