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Chapter 357 Joint-Stock Royal Bank

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On the surface, we are still full of scenery, and there are five people and six people. But in fact? The fiefdom and fiefdom have been cut, and the family wealth has been copied, and they have all moved to this "Royal Flower Garden", what is the difference between it and the chicken in a cage? Although there is a 369-grade Yulu, but that money is not enough for us to drink a big drink!

Therefore, when Liu Hanshao said that he wanted to bring everyone to make a fortune, the reactions of relatives were also mixed. Like the three kings of Jizhou, there is nothing left, and now they are still squeezing residential buildings with the pavilions, and they are extremely excited when they hear that they can make a fortune.

And those princes who have built a small field and still have a "bottom point" in their hands are worried in their hearts, and they all secretly think, Your Majesty has not heard of anything good for us except for stealing our money, is it because of your conscience? Or did you think of some bad trick to fool us?

The rest of the village pavilions, or those who were poor when they were young, thought, anyway, it is not our turn to do any good things, we don't speak, we will see.

In fact, this time everyone really wronged Liu Hanshao, because of Liu Xie, Liu Hanshao felt a little guilty about the people of their old Liu family, so he wanted to compensate them. The solution is very simple, that is, to find them an industry with stable money and long-term flow, so that they can support themselves and their babies.

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As the situation in Youzhou gradually subsided, the actual control of the imperial court basically covered most of the northern country, and with the development of agriculture and animal husbandry in the farms and corps of Liangzhou and Liangzhou, economic development was driven by economic development, and commerce and trade became more and more prosperous.

But there are annoyances in the midst of prosperity.

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Although life has been stable in the past two years, and various materials have gradually increased, the prices have remained high, especially for new products and various high-end goods, often dozens, hundreds, or even tens of millions.

In addition, the new copper coins issued by the Dahan Mint gradually occupied the market, although there were two denominations of "one penny" and "five pennies", but it had no eyes in the middle, and even money strings could not be used, as Cao said at the beginning, it was inconvenient to carry.

If you usually spend less money, you can make do with it, in case you encounter a large transaction or buy a valuable commodity, the money has to be packed in boxes and pulled into cars.

I didn't buy you for as long as you counted the money, do you think that's appropriate?

Therefore, the way Liu Hanshao found a fortune for his distant relatives this time is actually very simple, that is, to open a bank.

In fact, this thing is not new, although there was no "bank" in the past, there was a "sub-money family". One of the most famous cases of borrowing is that the Wuyan clan borrowed a thousand gold to help Emperor Jing of the Han Dynasty quell the "Rebellion of the Seven Kingdoms".

If someone rebelled, the emperor would definitely have to send troops to recruit and suppress it, but at that time, the "princes and princes" who led the troops had no money to support the army, so they borrowed money from other Ziqian families, and they were afraid that they would not win the war and could not repay the money, so they refused to borrow. Only Wuyan lent a thousand gold, but it cost ten times the interest. Unexpectedly, this rebellion was quickly quelled, and the "princes and feudal lords" repaid the loan one after another, so that the Wuyan clan received huge interest, and also became a legend in the ancient financial world.

However, the interest is ten times greater! Can this still be considered a loan? It's similar to gambling betting, right?

Perhaps it was affected by this incident that Emperor Jing of the Han Dynasty later issued a special decree that the interest on private loans should not exceed 20% of the principal.

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Speaking of which, because the world moved a few years ago, the people were in danger, so the industry of "Ziqian Family" has long disappeared. No one knows what tomorrow will be like, whether they have the ability to survive is a question, how can anyone dare to lend money for profit?

However, today's Luoyang and the prefectures and counties actually controlled by the imperial court are becoming more and more stable, production has resumed, the economy has recovered, and the "Ziqian family" has also shown signs of rising.

Liu Hanshao was able to gather all the spare money in the hands of these princes at this time and open a "Dahan Royal Bank", in addition to being able to find a way for these distant relatives to make money, in fact, it was also a good opportunity to occupy most of the market before Ziqian's family became active, but even he didn't realize this.

The royal family came forward to open a bank, which was powerful and imposing, far more convincing than some of the Ziqian families. However, the interest rate of this loan must be strictly regulated, otherwise the bank will not be a bank, and it will become a moneymaker. It can be said that the level of interest is actually the most fundamental difference between the "banker" and the "Ziqian family", and Liu Hanshao must not let all the distant relatives of the royal family become usury, notorious, and Ziqian family!

First of all, the bank should set up business stations in the states and important county towns, and start deposits, loans, and bills of exchange.

Deposits and loans are easy to understand, let everyone deposit money in the bank, and the bank will lend it to others, and then pay or charge a certain amount of interest. Of course, the interest on the loan must be higher than the interest on the deposit, otherwise where will the bank make money? Still have to pay for death?

As for money orders...... Do you want to pull thirty carts of money to go and collect wool in the north? Then you have to hire at least 30 cars first, and you can't let someone else grab it halfway. Now it's easy to do, as long as you are willing to pay a certain percentage of the handling fee according to the amount, Dahan Royal Bank will come forward to transfer the money for you, take this money order, and go directly to the north business station to get the money. Rest assured, this service fee is definitely cheaper than hiring thirty carriages, and there is also security, not to mention being robbed, that is, someone else will take your money order, as long as it does not match your signature, seal, and secret mark, you will still not be able to withdraw your money.

However, in his previous life and later life, as a housewife and man with a huge sum of money that would never exceed 200 yuan, Liu Hanshao naturally could not be familiar with the game of "banker". Therefore, the "Dahan Royal Bank" he drummed up doesn't know if it's strange or fresh, or ...... Black heart.

First of all, it is this form of shareholding, now some princes are still rich, and some are already poor, what should I do? You can use the titles of your children and grandchildren to buy shares, and the six products and nine products in the future, as long as you are willing to take them into shares now, we will take you to play together. However, in the future, even if you give birth to ten sons and a hundred grandchildren, our "royal house" will not care, you have to raise it yourself, pure raising!

This is the so-called: "Those who have money will have a money field, and those who have no money will have a money field!" ”

It's just that in this kind of play, there are still some distant relatives who can't get involved, such as the townsman and the pavilion marquis who don't have a title to pass on, if the family is originally poor, then you can only say "sorry, hehe".

As soon as this game was announced, it really got a fierce response from a group of princes, anyway, the three kings of Jizhou were all invested in the company. In this way, Liu Gui, the son of Liu Yu, the king of Zhao, will not have the six-grade Yu Lu to receive in the future, but Lao Tzu is so miserable now, how can he take care of his son in the future? In the future, you will be self-reliant and work hard. Besides, let's take shares now, and in the future, won't we be able to share the money on your head? As for someone like Liu Zhi, the king of Zhongshan, if his father hadn't died early, he would still be a son now......

In addition, there is another trick, which has been repeatedly stated in advance: if you don't have a knighthood, you can't buy more shares! This method similar to "membership marketing" is not clever, but the effect is remarkable, and these distant relatives are anxious, and they will not let go of Liu Ai one by one, for fear that His Majesty will not take him to play.

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Liu Ai is busy, and he has to review the qualifications for shareholding, enter the list of shareholders, and check the amount of shares...... When he was dizzy and his head hurt, Liu Ai was still thinking, or His Majesty would play, he didn't spend a penny, but he accounted for 52% of the "royal shares". Do you really think of the Royal Garden as a chicken nest and come here to borrow eggs?

That's right, the blackest thing about the "Dahan Royal Bank" is this. Nominally, the emperor is the largest shareholder, more than everyone combined, but in fact, Liu Hanshao has not paid a penny until now. In addition, Dahan Royal Bank is divided into "Royal Shares", "Royal Shares" and "Clan Shares".

"Royal shares" are not tradable, non-transferable, and cannot even be withdrawn, cannot be inherited, and can only exist by the emperor as the equity holder. This meaning is also to tell you distant relatives that you will either "hair" or "die", anyway, the emperor will not leave everyone and run away.

The "royal shares" are not subject to these restrictions, and can be transferred and sold when they are in a hurry to use the money, but other shareholders have the right of first refusal.

"Clan shares" are similar to "royal shares" and can be bought and sold freely, but each share is 10,000 to 1 with "royal shares", and it is anonymous and can be held by anyone.

The purpose of this is not to attract "foreign capital", at least not at present, but because those relatives who "buy shares with lords" or "have little money and are poor" may lose their homes and cannot make up a "royal share". Therefore, the "clan shares" are actually the "royal shares" that have been dismantled. It's just that in the future, when shareholders hold meetings, don't go to the clan shares, that thing is anonymous, even if you hold a stack of them, you can't say a word.

Therefore, Liu Hanshao did find a way to make a fortune for the relatives of the old Liu family, and he was really playing with borrowing chickens to lay eggs and empty hands white wolves. Even on the premise of ensuring absolute equity, I asked for an extra share, at least 52 is much better than 51, 52 is me, how romantic it sounds...... Is that what it means to be two? No wonder people in love are so ......

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If you want to play well in the bank and put on a good "not too high interest", you must first have someone who knows how to operate and can play abacus, right? To say that Liu Han Shaobian now also has such a talented person, one of his three new master books, Qinghe Cui Yan. Zheng Xuan's disciple has a big family, and his power is not weaker than that of Anping Cui Lie, and more importantly, he is shrewd and capable, "liberal arts".

But about the old Liu family, Liu Hanshao still didn't want to come in with a foreign surname, and the most important thing was that he was afraid of appointing a president with a foreign surname, and those distant relatives were not at ease, so Liu Hanshao dug Liu Fenqiang from Yun Liuniu's side.

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