"The interest of this money bank is really not low, a few days ago, the dog did not believe that this money village could lend money, so he made a bet with someone, if he couldn't borrow it, the person invited him to eat hot pot in the horse building, who ever thought, after the shopkeeper learned that he was the son of my Wang family, he didn't say a word, and directly gave a silver ticket of 200,000 yuan, and he didn't even ask for collateral, but when he went to repay the money yesterday, he found that the interest alone was hundreds of yuan!"

The patriarch of the Wang clan said with a little anger.

Originally, the son just wanted to win a hot pot, but he didn't expect that after eating the hot pot, the man said that he was going to visit the Qinglou, and the son who had just got the money was also very happy, and found a large group of friends to go to the Qinglou to drink a meal of flower wine, and he was a reward and a tip, which was very arrogant.

After drinking, he went to the Treasure Pavilion to buy a lot of jewelry and jade, and even bought a most luxurious carriage to go back.

Within a few days, all the 200,000 yuan was squandered, and at this time, he remembered that the money had to be repaid, but he had no money, so he could only open his mouth to ask his father, there was no way, and the patriarch of the Wang clan could only pay to fill this hole back.

"It is said that this money bank is ready to open all over the Tang Dynasty, and when the time comes, as long as we hold the silver ticket, we can cash it anywhere in the country, and I am also preparing to exchange all the cash at home for a silver ticket!"

The patriarch of the Zheng clan said with great interest.

In the past, when they were doing business, they had to pull several wagons of silver, not only consuming manpower to escort them, but also worrying about being robbed halfway, but now, as long as they deposit the silver in the bank, they can carry a silver ticket all over the world.

"During this time, Wang paid attention to the money bank all the time, so Wang found that this money bank was a cash cow at all!"

The patriarch of the Wang clan looked at everyone with interest.

Since he repaid his son's interest, he began to observe the money bank, and after careful tasting, he found that this was a big money-making business!

"Oh? Brother Wang, what does this mean? ”

When Li Lishan heard what he said, his eyes suddenly lit up.

"If you save money, the interest of the money bank is four cents, but if it is a loan, the interest is eight cents, of which there is half of the difference!"

The patriarch of the Wang clan stood up, walked to the middle, and calculated the accounts for them with a serious face, "Since the date of self-observation, there have been nearly 1,000 people who have taken out loans, and the amount is about five million guan, if it is converted according to their interest rate, these people alone, they will have a profit of 400,000 guan every year!" ”

"However, this money bank has only been open for a few days, and many people have not accepted it, if it is a period of time, there will be more borrowers, so in a year, the net profit will exceed 20 million!"

"The key is that the capital of the money bank is very small, as long as you take the money saved by the people to lend!"

The patriarch of the Wang clan told everyone the results of his analysis, and the eyes of the few people who listened to it lit up.

"Now, Qianzhuang is also just starting, the foundation is not stable, and there are few branches, if they wait for them to open the whole Datang, then the income must not be above 10,000 yuan?"

The patriarch of the Wang clan continued to analyze the profits.

"I didn't expect that this small money bank would have such a considerable profit!"

After hearing his words, everyone looked incredulous.

They thought that this kid should be stupid, helping others keep their money and paying back the interest to others.

can listen to the analysis of the patriarch of the Wang clan, it seems that it is the people of the Tang Dynasty who are stupid.

"This kid advertises in the newspaper every day, saying anything for the benefit of the people, but I didn't expect that this was all his plan, and we were all deceived by him!"

"Yes, I have to admit that this kid is really financially minded, and he can think of such a lucrative and fame thing!"

"While holding the cash cow, I also gained a good reputation, this money bank business is really good!"

Three of the patriarchs sighed with envy.

They have been trading for generations, but they didn't expect this, if they had known about the money bank's business earlier, they would have done it a long time ago.

Hey?

Oh, yes!

Why don't they also make a money?

While everyone sighed, they suddenly thought of a place.

"Since Brother Wang has analyzed the money bank so thoroughly, does he also want to do this money bank business?"

Li Lishan was the first to react and asked with a little excitement.

"Yes......!"

The patriarch of the Wang clan also stopped selling Guanzi, and after a little thought, he said with a heavy expression: "Now we don't have any big deals in our hands, if we can win the money business, we can stand tall in Chang'an City!" ”

"It's good, but that kid's money bank has been open for a while, and all the money in the people has been deposited to him, if we open it again, will it be a little late?"

Although the patriarch of the Lu clan thought it was a good business, he also felt that it was slightly inappropriate.

"Yes, that kid advertises the money bank in the newspaper every day, if we open it now, I'm afraid there will be no money left among the people!"

Another patriarch chimed in.

"Even if we can't attract depositors for the time being, we can still pay for the loan first, and we must know that the interest on the loan is the most profitable ......!"

The patriarch of the Wang clan glanced at everyone and explained step by step: "As long as we each take out two million taels as the capital first, we can attract the people who borrow money, and then use the high interest rate to attract that kid's depositors too!" ”

"Brother Wang is reasonable, if the kid's deposit is four wen's interest, then we will increase it to five, and the kid's loan interest is eight wen, then we can charge seven wen, so that the people don't have to worry about saving money!"

Under the guidance of the patriarch of the Wang clan, Li Lishan immediately went on the road.

"If our interest rate is higher than his, and we can't protect those greedy people, they will take out the money over there and deposit it to us!"

"Not only that, but since the interest rate of our loan is relatively low, there should be someone who will pay off the loan over there in advance and borrow it from us!"

After the patriarch of the Wang clan got the support of everyone, he analyzed the more favorable possibilities.

"This is indeed good business, we must not miss it this time!"

"That's right, just do it, we still have a lot of idle shops in Chang'an, it's better to clean it up again and change it to a money village!"

"yes, it's better to open tomorrow!"

"If this business is completed, won't each of us be able to share 10 million or 20 million yuan every year?"

"Although a lot of our business has been robbed, with our family background, even if there is a price war, we can definitely drag him down!"

"Since this business is so profitable, even if we are desperate, we will snatch it back!"

"That kid has robbed all our business, and this time we can't afford to lose anything!"

"After I go back, I immediately start raising money and send the money over early tomorrow morning, but we have a lot of idle shops, where should we choose to open a money bank?"

"I think that since we are targeting that kid's bank, we should open a store opposite him, so that everyone can find us more easily!"

"That's right, since you want to compete with it, you should come up with some posture, as long as there is a place for their money in the future, there will be our money bank!"

"Then what should we call this bank?"