The old man Wang Shirui wanted to come to deposit the silver, and as soon as he came, he also brought more than a dozen carriages of silver, and immediately alarmed Zhou Zhi, the president of the Beijing branch of the First Bank of Daming, and he personally received the old man Wang Shirui.

In President Zhou Zhi's office, Zhou Zhi chatted enthusiastically with Wang Shirui and Wang Enyi.

"President Zhou, if you deposit money here, you can really get interest?"

Wang Shirui took a sip of tea, it was the best West Lake Longjing produced this year, put down the teacup, thought about it and asked.

"Mr. Wang, our Daming First Bank was founded by Liu Jin and Liu Gongzi, he is this year's champion, and now he is the Hanlin of the Hanlin Academy, with a bright future in the future, and many industries under Liu Gongzi's command, you must have heard of it, Liu Gongzi has always attached the most importance to the word reputation in business, and if you say it, you will spit on a nail."

"What's more, the big proprietor behind our Daming First Bank is the current prince and His Royal Highness the Prince, so your silver in our Daming First Bank is absolutely not to worry, we will definitely not lose any interest to you, and when the deposit expires, we will also give the silver in full."

Zhou Zhi smiled and introduced the situation of Daming First Bank to Wang Shirui, and the meaning is very clear, that is, Daming First Bank has a large background, strong strength, reputation-based, and will never lose its trust.

"That's good, that's good~"

Wang Shirui smiled and nodded, he had already understood these things clearly, and now he asked just to be sure.

"If you deposit 10,000 taels of silver, how much interest will you have a year?"

"We have two kinds of deposits here, one is a demand deposit, the interest is relatively low, only about 2.5% a year, that is, the annual interest rate of two and a half percent, if you save 10,000 taels of silver, there is an interest of 250 taels of silver a year."

"The advantage of a demand deposit is that if you need to use silver, you can withdraw the principal at any time, and we calculate the interest according to the date of the deposit."

"The other is time deposits, which have high interest rates, but if they do not mature, they cannot withdraw the principal, and can only withdraw interest every year."

"There are three kinds of fixed deposits: three-year fixed deposits, five-year fixed deposits and ten-year fixed deposits, and the interest rate on three-year fixed deposits is 3.5%, that is, three percent and five, and if you have 10,000 taels of silver, you can have three hundred and fifty taels of silver in a year."

"The interest rate of the five-year term is 4%, that is, four percent a year, and the interest of the ten-year term is the highest, with an interest of 4.8%, and if you save 10,000 taels of silver a year, you can have 480 taels of silver a year."

Zhou Zhi was very patient, and introduced the deposit business in the bank to Mr. Wang Shirui in detail, this is the first deposit customer, and it seems that the amount of this deposit will definitely be very huge.

"Fixed deposits are only 10 years?"

"Is there a twenty or thirty year?"

After hearing this, the old man Wang Shirui frowned slightly, ten years is too short, and if he dies, his son of a loser will definitely lose his family business.

"Uh... At the moment, we don't have a fixed deposit program for a long time. ”

Zhou Zhi shook his head helplessly and said.

"Then if I want to deposit a fixed deposit for 30 years, I don't know if you can do it in Daming First Bank, and how much interest will be given every year?"

Master Wang Shirui said very unwillingly.

"Thirty years, I can't do this thing, I need to ask the above for instructions."

Zhou Zhi thought for a while and said, he didn't expect that this first customer would have to deposit for thirty years as soon as he came, wouldn't they be afraid that the First Bank of Daming would collapse and his silver would be wasted?

"Well, then I'll wait here~"

Wang Shirui nodded with satisfaction.

He is a businessman, how can he not know that the interest rate is very low, 10,000 taels of silver is used for business, and it is a trivial matter to earn thousands of taels of silver a year, and there are tens of thousands of taels of silver a year who have the ability.

In this bank, the interest is only a few hundred taels of silver a year, which is too low.

But he didn't have a choice, he didn't have a few years to live, and there was no way to take his own loser, once he left, the loser who eats, drinks, prostitutes, and gambles will soon lose his family business.

Therefore, if it is stored in the bank, if there is interest every year, at least the family will not starve to death, and when their grandchildren grow up, there may be hope.

He did not leave these silvers to his son, but to his grandson, and after saving for decades, he estimated that this loser would be old, and when his grandson was older, the family business would be preserved.

Zhou Zhi left his office, but soon came back, Liu Jin took the initiative to appear, with Liu Jin here, naturally everything is easy to say.

"Mr. Wang, I have just asked for instructions, our bank is willing to accept your request, and set up a 30-year fixed deposit for you alone, with an annual interest of 7%, and a deposit of 10,000 taels of silver, you can get an interest of 700 taels of silver per year."

Zhou Zhi said to Mr. Wang Shirui.

"Good~"

Wang Shirui nodded with satisfaction, this service attitude is still okay, thought about it and asked: "Is this fixed deposit not mature, so the principal cannot be withdrawn?" ”

"Yes, the principal cannot be withdrawn without expiration, unless..."

Zhou Zhi nodded solemnly and said.

However, before he finished his words, the old man Wang Shirui immediately heard that he still had something to say, but this loser was next to him, and if he knew that he could take it out without expiration, he would definitely not be able to keep it.

So he immediately said loudly: "Okay, if I save it, I will save it for thirty years." ”

"Thank you, Mr. Wang for your support~"

When Zhou Zhi heard this, he immediately expressed his gratitude happily.

"Dad, you're crazy, save for thirty years?"

"Thirty years in Hedong and thirty years in Hexi, I may not be able to say that I will be buried in the soil for these thirty years."

Wang Enyi on the side was not happy, and immediately said to Wang Shirui.

"I'll have to worry about you when you're dead."

Old Man Wang glanced at him coldly, and then said to Zhou Zhi: "I have saved 300,000 taels of silver~"

"Three hundred thousand taels!"

Zhou Zhi took a slight breath, he didn't expect that the amount of this first deposit business was so huge, and this deposit was still thirty years old.

"Good~"

Zhou Zhi smiled and nodded.

Soon, Old Man Wang waved his hand, and his subordinates began to carry a box and a box of silver in.

These silvers are all accumulated by Mr. Wang's hard work in business all his life, and the silver is a standard silver ingot, and the fineness is quite good.

Therefore, the number was quickly counted, and there were 300,000 taels of silver, and the number was not wrong.

"Mr. Wang, the number is not wrong, this is a deposit agreement, please take a look, if there is no problem, please sign and draw the pledge, we will handle the deposit for you."

Zhou Zhi took out an agreement, the content of the agreement is very simple, far from being as complicated as those various rules and regulations in later generations, and simply explains the intention of Mr. Wang's deposit, the first bank of Daming accepts deposits, and promises to give interest every year, and repay the principal when it expires.

Mr. Wang Shirui read it carefully, there was no problem, and he picked up the pen and wanted to sign and draw.

"Dad, you can think clearly, this is a thirty-year deposit, where this silver is placed in others, it is not our silver."

Wang Enyi made the old man determined to save for thirty years, and the whole person was anxious.

Once the silver is deposited, it will take thirty years to take it out, and he will have to drink the northwest wind every year with that little interest.

"Hmph~Get out of here~"

Old Man Wang snorted coldly, and when he saw this son, he signed it without hesitation and drew a charge.

Seeing that the old man had finished signing and drawing, Zhou Zhi waved his hand, and his subordinates began to take away the old man's silver.

Seeing a box and a box of silver being taken away, Old Man Wang's heart was actually very empty, and he was very afraid that the silver would be gone.

But looking at Wang Enyi on the side, he couldn't help sighing, such a loser son, if the silver is left to him, he will definitely be defeated.

"Mr. Wang, this is your deposit certificate, every year this year, you or your descendants, you can take this list to us to receive interest, and after 30 years, with this list, you can come and withdraw the principal."

Zhou Zhi handed over a delicate deposit slip to the hands of Mr. Wang Shirui, this deposit slip is also specially made, using paper and ink to make silver bills, and there are also various anti-counterfeiting technologies, others can't imitate them at all, and the deposits are all reserved, so this is not afraid.

300,000 taels of silver in exchange for a piece of paper, and Old Man Wang also carefully put it away, then thought about it and said: "What if this deposit certificate is lost, or is obtained by outsiders?" ”

"You can rest assured that even if this deposit certificate is lost, you or your descendants can use the identity certificate issued by the government to reissue a new certificate."

"Of course, for the sake of security, I suggest that you set up a secret language, only the person who checks the secret language correctly, we will give him interest every year, and give him a replacement deposit certificate, which can also prevent outsiders from trying to steal your wealth."

Zhou Zhi smiled and said, and then gave a suggestion.

"Okay, I'll leave a secret message."

When the old man Wang heard this, his eyes suddenly lit up slightly, this is very thoughtful, it is not enough to have a deposit certificate, there must also be a secret language, coupled with identity verification, under this triple insurance, it is absolutely possible to ensure that only his descendants can enjoy this wealth.

Even if an outsider gets a deposit certificate, he doesn't have a secret word, and he is not his descendant, he doesn't want to get a penny from here.

Soon, the old man Wang came to a secret small room, where there were the four treasures of the study, and he wrote two sentences on a piece of paper, these two sentences are secret words, a means of secrecy in this era.