Chapter 981: Money Bank Business
In particular, some small caravans have a great demand for loans, and the reason why small chambers of commerce are not strong enough means that if they have money, they will increase their profits if they buy more carriages and carry more goods with more hands.
The loans are repaid according to the term of interest, which is much less stressful on them, and if they take a chance, they may turn a bicycle into a horse-drawn carriage.
Qianzhuang is located on the busiest commercial street in Youzhou City, and the windows of the three-story attic are all equipped with iron protective windows, which look like a prison cell.
This is for the safety of the money village to have such a involvement, there are vanguard guards at the door.
Giving people the feeling that no one should enter, many people did not dare to stay when they saw such guards, and the businessmen also saw it in their eyes, and they also entered it after knowing the business items of the money bank.
However, it was not blocked, after entering the money house, it was the hall, and then there were many windows in the whole hall, all of which were closed by metal windows.
The merchants were curious, and by the time they entered, the people in the hall had already gone to guide them.
In the past, the "hall manager" of the bank introduced various services to the merchants, whether to deposit or withdraw money, business investment guarantees, and so on.
It took a while to explain these things, and the people in the hall were mainly asking what the merchants wanted.
Those who want to borrow money need to have collateral, and those who can accept it have real estate title deeds, commercial shops, and commercial projects that need money to invest in need to provide a comprehensive investment plan and proof of operating profits.
Several businessmen began to come in to borrow money, and after listening to the introduction, they had a new idea, if they accepted the investment of the bank, they could also get support, but the benefits of the project they operated would be the return of the bank's investment.
They all run small caravans, and if they have money to invest, their caravans can expand quickly, but they will increase their income a little, but they will have to share most of the benefits.
The way they invest in the bank is an eye-opener for them, and once the investment that seems to be helpful to them is actually implemented, they will become businessmen working for the bank.
The investment of the bank is risky, so there is a need for returns in terms of benefits, and there is no embarrassment about the benefits.
The businessmen who first understood the money bank did not cooperate, and the investment risk made them have to be cautious, while the Li family directly took out a large amount of money and deposited it directly into the bank.
Dozens of cars of money on the street have attracted the attention of the people in this way, and the people on the street have spread the news that as long as they have saved money in the bank for more than one year, they can get interest, and the more they save, the more interest.
Li De's swagger is also to be able to promote the development of the savings business, dozens of cars of money in exchange for a special cheque book issued by a bank, as long as the holder signs the name of this specially made checkbook and fills in the amount, he can withdraw money from the bank at any time.
Whoever has the name of the person who posted the check and the signature of the owner of the check are valid.
Regardless of whether the people save money or not, the check project opened by Li De is very convenient, and the payment will be handed over in this way in the future.
With the cheque book, the designated person can withdraw the money directly from the bank, without the Li family using a horse-drawn cart to transport the money over.
If the designated person withdraws money, he can directly change the name of the check given by others in the bank, and then the money is not moved, which is equivalent to posting, which is very time-saving and labor-saving.
It avoids the need to transport money back and forth, which is a great help for large transactions.
Li De was the first to respond, and then the city guard government opened the official check book of Youzhou, and the money spent in the future will be taken from the bank.
At present, the bank only opens the transaction of large sums of money with this kind of check, but it is also very attractive to many merchants.
Even if you don't use a check transaction and keep your money in the bank, you can still get interest, although the interest is not too high, but it is better than putting it at home and letting the money eat dust.
With the drive, the income of the money bank is very busy in a short period of time, and many businessmen who have cooperated with the city guard government have to register and open an account in the money bank.
In the future, the purchase of the castle guard will be paid by a check from the bank, and the merchant only needs to bring the check to the bank for transfer.
In order to carry out the business of the money bank, a lot of resources were mobilized from the city guard house, and Wei Li personally sat in the town every day for fear that there would be any problems in the money bank.
"Governor Dadu, after having the money bank, you can save a lot of money moving coins, and it would be better if you could distribute the money bank to the Youzhou forces."
"Don't worry, believe that the future is okay."
Most of the account projects carried out by Li De were a way of future transactions with merchants who came and went with the castle guard, and this way was only a little easier than the current way of moving money.
It is still too limited to let the people have such convenience, and the way to carry out paper money transactions is still too limited in the current situation.
After all, Youzhou's banknotes will not be recognized by other forces, even if they carry out cross-regional money banks within Youzhou's strength, they will hand over the matter of transporting coins to the vanguard.
This necessitated the transfer of some new vanguard soldiers who were specialized in escorting coins, and the current vanguard only needed to deposit the coins in the castle guard's mansion into the bank.
"The main income of the money bank is to make investment, and many projects in the city guard can let the money bank invest a part, and these things need to train some specialized talents to be responsible."
There are too many benefits that Li De's money bank can bring, and of course there are many talents needed.
It is necessary to promote the business of Qianzhuang, and large customers must have small customers, and if you want to be accepted by the people, you need to further implement the plan.
So the Chamber of Commerce began to act, how can this kind of thing let the businessmen just see if they don't support it, and then Wei Li personally presided over the promotion of the money business, and directly notified the shopkeepers of several large workshops around Youzhou to discuss with the Chamber of Commerce.
It is a very simple way to promote, and the workers in the workshop will be paid directly in the way of transfer of ownership in the bank, and the merchant will deposit the money into the bank to provide account transfer information, and then the work of the bank.
The money is transferred to the account of the workshop workers on a fixed date, and the workers' wages are placed directly in the bank, which can be withdrawn at any time.
The advantage is that as long as the merchant's account has enough money, he only needs to provide a transfer information every month.
There are many benefits, for businessmen, first of all, they don't have to worry about their own accounts to make fake accounts, because with the transfer information, it is kept for the record, and the money will not pass through the hands of the account room.
Moreover, the bank will provide a receipt for the merchant every month, and the salary of the specific personnel is clear.