Phew! What Shu Yi invited us to visit the victims? It is clear that the Shu family is preparing to fight the local tyrants on this ground! If I had known that, I should not have come today. Don't look at Miss Jia's beautiful appearance, she was fooled, and her own man didn't know it. If you want to replace Lu Wenman, maybe you rejected Shu Yi yesterday.

Forget it, if you have a calculating mind, you can't hide from today but not tomorrow.

"A month, if I can collect it all, I say I can collect it all. It is estimated that fifty or sixty thousand taels. "This kind of thing that can be checked, Qin Feng will not lie.

Shu Zicheng's body shook, and he turned his head sideways and asked, "That year, it was a small million taels?" ”

"No, it's still hundreds of thousands of taels!"

"Tut-tut." Shu Zicheng shook his head: "It's close to Jiangxi's tax for half a year!" Lord Shu wanted to add 400,000 taels of silver to the treasury every year, but he couldn't sleep day and night. Unexpectedly, you just made it so neat and received a small million every year! ”

Qin Feng said: "The militia scavengers, more than 3,000 people, a month's salary, eating and drinking, close to 30,000. On the streets, I also have to set up sanitary facilities, repair toilets, garbage cans, and garbage transfer stations. I also have to send someone to dredge and renovate the sewers. This series of investment is at least 10,000 or 20,000 yuan per year. The money has not been confiscated, and that's it. That's a lot of money, Mr. Shu. Moreover, whether you can receive it or not, you can say it twice. Qin Feng's face was sincere.

The corners of Shu Zicheng's mouth twitched, shouldn't you take the silver out to raise the militia yourself? Collect cleaning fees, so who won't raise them?! But you can think about it, you can't say it.

"By the way, there's one more thing. The two county government offices, government offices, and political envoys handed over a document one by one. Ask what a bank is and which line it should fall into? Governor Shu has been busy with disaster relief recently, and he planned to write to the court again and ask the cabinet after some time. But looking at the details, this bank is what you plan to operate, so let me ask for details. is also afraid that if you hand it over to the cabinet, it will sink into the sea and delay you. Governor Shu is really fond of you! Shu Zicheng shook his horse and said slowly.

This is the end of the matter left by Gao Wen when he went to the yamen of the two counties to go through the bank registration procedures.

If the Chinese want to do business, it is very simple, just go to the yamen to register and keep the file. However, each line should correspond to a different management. For example, if you open a restaurant, if you poison people and eat bad stomachs, you will be fined. In serious cases, they raided their homes and even sentenced them to death.

If you buy or sell commercial goods, such as grain merchants, and raise prices and shoddy goods, you will be punished. The punishment is also divided into severity of circumstances, for example, during the current disaster relief period, it must be sold in strict accordance with the official guide price, and the punishment is also severe and fast.

Another example is the quality bank, which is a pawnshop. The victim lost his collateral, and the victim came to redeem his belongings. Five-fold compensation, that's light.

But no matter which line of work, if you don't pay back the money, you will sell your house and land, and if you don't have enough, you will sell your sons and daughters, and sell yourself into slavery!

In this era, the world only recognizes one truth: it is natural to repay debts and pay for death. The law is also based on this.

There are even penalties from the local government, which are directly a tooth for a tooth. For example, if you drink and cause trouble, you break someone's leg. I'm sorry, but in addition to paying for medical care, at the same time, you have to break one of your legs! No money? Then sell the seller, sell the son and sell the daughter, is it not enough? Break into slavery! That's true, even future generations can't turn it over.

Therefore, every industry has its own rules.

The merchant submits the registration formalities, how it operates, and what risks there are. The government has to look at where your business risks are, and whether there are corresponding regulations to manage you. If there is, follow the old routine.

If not, add it! You can't be outside of Dahualu.

Banks are really new, and there are no corresponding regulations to set corresponding penalties. After reading the bank's business project, the two county ceremonies, criminal cases, households and other homeowners, they couldn't figure out the rules! The masters of the two counties personally went out, and only then did they find that this bank is definitely the riskiest of all businesses! No wonder a few owners can't put pen to paper!

Gao Wenjin is brilliant in writing, and he naturally explains things clearly and clearly.

The bank is the business of silver, one in and one out. In advance, the bank pays interest. If you go out, the bank will charge interest. The spread is the bank's income.

The risk is greater, for example, if people deposit a large amount of silver, it may be stolen, lost, moldy, and donations escape.

It is also a risk that the loan is released and cannot be recovered. every day

Also, the deposit of silver is voluntary, and the withdrawal of silver is free. There is a time limit for the recovery of silver.

For example, if the bank receives 10,000 deposits and lends 5,000 yuan, it is limited to one year. However, within a year, the people wanted to withdraw the 10,000 yuan in deposits, and the 5,000 lent by the bank was not due and could not be recovered. I can't take out the money to pay, what should I do?

There are too many deposits and they can't be released, and the bank can't afford to pay the interest on the deposits, which is a risk.

Too much lending, less inventory, and people running on money are also risks.

It seems that starting a bank is to lend other people's money to others and eat the interest difference. Everything was beautiful! But when you scrutinize, there are risks everywhere.

In general, there are risks in doing business, but they are generally controllable and do not involve much of a person. And most of them are their own funds, and if they lose, they will lose, and they can live by tightening their belts. If you encounter a few extremes, owe silver taels outside, raid your home, and become a slave, the problem can be solved. The magistrate will not be implicated.

But once something happens to the bank, it involves not two households, but thousands of households. Maybe even more. Even if all the principals are sold into slavery, it will cause mass incidents. How did the magistrate become a parent? So it's hard to get away with it!

Seeing that the risk is high, the two counties did not dare to approve it, but this is the recent Nanchang man of the hour, and Qin Feng, the commander of the militia group for the relief of the victims, is in charge. The relationship between the two counties and Qin Feng also gets along well. So they each took an official document and reported it to the government.

The government took a serious look at it and reported it to the political envoy. When the political envoy saw it, he forwarded it to Governor Shu. It stands to reason that Governor Shu should report to the cabinet and explain the causes and consequences. Approve or not, approve or not, the cabinet decides, something happens, and the cabinet backs up.

But Governor Shu thought about it for a long time, and decided to talk to Qin Feng first.

After Shu Zicheng finished talking about the cause and effect, Qin Feng understood. Gao Wenjin's plan for the bank's business development is too general. There is no clear explanation of the core issue that parents are most concerned about, that is, risk control. It seems that Gao Wenjin really has no potential to be an official.

Opening a bank can indeed make a lot of money, but at the same time, it is also very risky. Therefore, the banks of later generations basically have the endorsement of the government, and many commercial banks directly participate in the local government, state-owned enterprises, and central enterprises.

In other words, government is credit. If the government does not collapse, the banks will not cross. Therefore, if everyone dares to save money, they will not go to the run. Even if there is a run, banks can lend cash to each other for support. If the whole people panic and the whole people run, the government will print the votes and solve the problem. When everyone gets through the panic period and deposits the money they have withdrawn back to the bank, the government will take back the extra printed bills. One send and one receive, except for wasting manpower, no one has anything to lose. So the risk can be controlled.

Finally, Shu Zicheng said: "Looking at the bank's operating regulations, I have a question, the interest on the deposit is 10%. If you borrow money, you will receive 20% interest. The bank collects and deposits 10,000 bank, and needs to pay 1,000 interest. Therefore, for this 10,000 deposits, you must lend at least 5,000 to go out, and receive interest at 20%, and get 1,000 interest. In this way, the accounts are barely flat, not counting the operating costs. The problem is that your 5,000 loan is not due yet, and you only have 5,000 left in stock. If the people want to take out the 10,000 taels of silver, what will the bank do? ”

This is where the biggest flaw of the bank is discovered.

If the Bank of UOB were to operate in accordance with the modern banks of later generations, this risk would be unavoidable. Qin Feng couldn't solve this run contradiction.

Different times have to be used in different ways. Qin Feng has made substantial revisions to the bank's operating rules. It's just that there are too many details, and they will change at any time in the future. Perhaps because of this, Gao Wenjin did not elaborate on the filing documents.

Qin Feng smiled slightly: "Mr. Shu, there is no way to deal with this kind of run. So that can't happen. Gao Wenjin did not elaborate on many details. There is also a term for depositing money in the bank, and the deposit period is one year, and only one percent of the interest is paid. Deposit and withdraw at any time, make use of live withdrawal, and the interest is only 20% of 10%, 2 cents. 10,000 taels, current for one year, only 200 taels interest. Regular periods are divided into one, two and three years. The interest rate is different, the higher the term, the higher the interest. For a three-year term, the interest can reach one and a half percent a year. Fixed deposits must be withdrawn in advance, with no interest and penalties. If you need it urgently, you can use the certificate of deposit as collateral to apply for a preferential loan from the bank. You can also keep some of the interest. “

Shu Zicheng pondered for a moment, then nodded slowly: "I see!" Here's how to do it. Everyone has deadlines. But what should I do if the interest on the deposit is so high, the operating expenses are so large, and no one comes to borrow? ”

Qin Feng said: "If you go to business once, you will make a profit several times." A round trip, even up to ten times. Many people want to go into business, but they lack two things, one is safety, and the other is silver. Security has our militia group, and some escort fees are charged. There is not enough money, and there are banks to borrow. Those who are willing to do business are probably indispensable. This alone is enough for the bank to survive. ”

"And. If the bank goes well, it can also solve the problem of Governor Shu and having trouble sleeping. Qin Feng decided to release his big move.

"Oh? I would like to hear about it. Shu Zicheng was really interested.

"Dahua business tax, one out of thirty, almost three out of a hundred. Dare to ask Mr. Shu, what was the commercial tax in Jiangxi last year? Nanchang geometry? Qin Feng asked sideways.

"The whole Jiangxi is about one million taels. Nanchang accounts for about 300,000. Shu Zicheng replied.