The principals of these five families, although they all came here to see the face of Lu Shan, the head of Shilin Academy. But for Qin Feng, he was still quite interested in Qin Feng's bank, and he also did some understanding in advance. In particular, the emergence of two banks has had some impact on the business of the pledge bank. Seeing Qin Feng stand up, he looked at him with a polite smile.

Qin Feng got up, bowed left and right, and said, "Thank you Lu Shanchang for setting up this platform, and thank you for coming here to listen to Qin's remarks." The first thing Qin wants to explain is that the design of the bank is by no means for temporary profit. The purpose of the bank is to awaken the sleeping gold and silver and put it into commercial trade. Expand government tax revenue, increase people's income, so that gold and silver will not grow mold in the treasury, but can earn interest. It belongs to the same category as the pledge bank and private lending. It's just a bank, which pools all the surplus gold and silver owned by the private sector and makes a unified redistribution investment. Working with banks, whether depositing or lending, will be profitable. It's a business that everyone is happy about. “

Qin Feng paused slightly, the five family heads were all contemplating and contemplating, and someone behind them was recording quickly.

Qin Feng said again: "In the early stage, Qin didn't know if the bank could survive, so he didn't dare to contact you rashly. Now, Qin has concluded that UOB has a lot to do in Nanchang. Qin thinks that everything is mutually beneficial, so today he invited Lu Shanchang to come forward and warmly invite you to join the bank operation. If you have any questions, Qin will answer them one by one here. ”

The way banks operate, these people have long understood. To talk about it in general terms is to waste time and saliva.

It's better for everyone to interact and communicate together.

Sure enough, Hu Yujin smiled slightly and said loudly: "I am grateful that the bank can give the quality bank the opportunity to cooperate." If it is truly together, it will benefit both sides, and we will unite sincerely. In time, we will be able to create a great foundation! May I ask Head Qin, what is the cooperation method? What is the total share capital? A geometry? ”

"The share capital is tentatively set at 10 shares, and the militia group bears the responsibility of guarding, accounting for 20%. The management of the bank accounts for 10 percent, I account for 10 percent, and the other 30 percent have been sold for 100,000 taels each. However, because the buyer had other resources to assist the bank, the price code was discounted, and the cash was not collected in full. So at present, only 30% can be sold, and 10% is sold for 300,000 taels of silver. Qin Feng replied with a smile.

In an uproar, the venue, which was still in order, was a little chaotic in an instant.

The five people in the front row widened their eyes and looked at each other, I am waiting for Lu Shan to come here to give face to Lu Shan. didn't say that you must invest in your bank, why do you have a lion open your mouth? Just said, thirty percent of them have been sold for 100,000 taels each, how long has it been since it tripled?

The sons and nephews of the head of the family in the back row couldn't help but secretly exchange their heads and ears, whispering a lot, and there was a buzz in the venue. A clerk who recorded was so excited that he almost broke the barrel of the pen, and the ink was also on his hand, and he was busy cleaning up. Fortunately, everyone was surprised, and no one expressed their opinions. Don't record it for now.

Hu Yujin regretted a little, he shouldn't have been the first to speak, he actually wanted to sell Lu Shan to save face. Speaking of the pledge bank and Qin Feng's bank, there are still some contradictions, what should I do if I go to the bank to buy shares in the bank? Close the door? It depends on whether it's worth it or not!

How do you know how to ask, provoke such a few words that do not know the height of the sky!

But when I asked, people answered, and I pretended to be deaf and dumb, a little bit of a loss of face for Lu Shan, so I had to give a reply. glanced at Lu Shanchang, sure enough. Lu Shanchang's face seemed a little embarrassed, and he looked up at the ceiling.

Hu Yujin took a sip of the teacup, moistened his throat, and organized the wording: "If I heard correctly, then the other seventy percent of the bank basically has no cash shares?" And the remaining thirty percent, what does Captain Qin want to do for a total of 900,000 taels? ”

Everyone has heard of the other three percent, the Shu family, the Lu family, and Wang's father-in-law. It is because of these three shareholders that in this duel between the palace and the bank, the palace admits defeat. It is said that hundreds of thousands of taels were eaten raw by the bank.

But even so, the price of the remaining thirty percent can't be raised outrageously, is it a Hongmen banquet this time? Qin Feng's bank in front, and these three in the back? It's not like that! Even if these three join forces, they won't dare to eat me so raw, right?!

All of you here are starting to beat a small drum in your heart.

Qin Feng nodded and said: "It can be understood in this way, the current bank share capital is some fixed assets. Qin also sees that everyone is a local wealthy family in Nanchang and has certain social resources. At the same time, now the shareholding bank is also regarded as the original shareholder, so it has given everyone a great discount, a total of 900,000 taels! A year later, the bank's shares were split into 10 million shares at a floor price of one tael per share. You can buy and sell freely. ”

A year later, the cumulative value of the bank is 10 million taels? With a pop, someone squirted out tea, and they were about to drink some tea to press their hearts, but they were shocked by Qin Feng's astonishing words, their throats tightened, and a mouthful of tea squirted out.

Lu Shanchang suddenly said, is this move again? Don't be too expensive now, it will be more expensive in the future? Literature Great

But there is always an end to the price flickering, and in the future, if you really want to buy a share for one or two silver, when no one cares. Do you go and instigate others to buy, buy it, and someone will buy you in twos and twos in the future!?

Is this doing business? Is this a fool or not. However, if these five families take out 900,000 taels of real money, they are not stupid.

The scene was a bit chaotic, and Qin Feng was a little aggrieved! I want to have a time machine to send you back to the afterlife! Which of the original shareholders is not ten times and dozens of times profitable? Not to mention venture capital, Wang Gonggong chooses people to invest like that, and in the future generations, he will have at least dozens or hundreds of times the income!

And, I'm the bank! Banks! The valuation is 10 million taels, which is only 10 billion.

In later generations, banks with a slightly larger scale are all valued at tens or even hundreds of billions! Is it okay for me to operate UOB exclusively?! My bank has not been supervised, there are no restrictions, and I will soon have the quasi-currency issuance right that other banks do not have! Hum! If it's worth 100 million taels of silver in the future, it's still my mismanagement!

A bunch of unseen things! Qin Feng's heart and face were full of contempt.

The original shareholder of later generations, venture capital. It's really profitable, but other people's companies will draw pies! I can make up stories! Qin Feng's bank, how to make money, how to make profits, you haven't said it yet! It's no wonder that the friends were surprised.

Hu Yujin asked helplessly: "Dare to ask Regiment Leader Qin, after a year, how can a share be worth one or two pieces of silver?" If no one buys it, it's worthless! ”

Qin Feng smiled slightly, shook his head slightly, and said contemptuously: "I thought that everyone could understand the bank operation rules that were issued to you before. Presumably, everyone is busy with affairs, and there is really no time to think about it. In these business rules, it has been stated that there is no shortage of money at UOB! Please join the shares, in fact, it is to make a personal relationship! Just because you have a rich heritage in Nanchang! The shares sold by the bank today will return more than ten times in the future! “

The audience was silent, I had seen crazy, but I had never seen such a madness. Which of the five heads of the family here didn't get out of the business scene? You are a young man in your twenties, even if you have some ability, what right do you have to despise us? We really haven't studied the bank rules, but it's nothing more than a business, and there is no shortage of money and popularity? If you say whatever you want, we have to believe it? You don't swear by it!

The faces of several people turned cold, and they glanced at Hu Yujin, you start talking, you continue! If it weren't for Lu Shan's long face, I would have gotten up and left!

Hu Yujin was helpless and glanced at Qin Feng: "I may only be a shallow learner, and I really didn't understand the tricks in the bank's rules." If Captain Qin is willing, can he give everyone a point or two? ”

This is a bit angry, you are powerful, then you say ugly. If you can't say it, you will only laugh. Find an excuse not to say it, just right, let's disperse!

When Qin Feng heard this, he also had anger in his heart, they were all at the level of the head of the family, before coming here, he didn't know how to do enough homework? Obviously less than others for nearly a thousand years of knowledge, still not convinced? It's really so awesome, why did they all become slaves in the end? The world is rotten, and one of you counts as one, and no one is innocent!

A group of fools surrounds a wise man, and a wise man becomes a fool.

Qin Feng also wanted to disperse the meeting, but in a blink of an eye, he saw the sadness between Lu Shanchang's eyebrows, it was really so scattered, and the organizer, Lu Shanchang, wanted to lose face.

Okay, Qin Feng said slowly: "As we all know, all merchants in Nanchang, big households, including you!" are already actively paying cleaning management fees. All of them have bank accounts with banks. There are many uses for bank accounts, such as someone to supply merchants, merchants do not have to pay cash, only fill in bills. The supplier holds the bills and comes to the bank or enters his own accounts, or withdraws cash. Trading becomes incredibly easy. No need to weigh silver, identify silver, cut silver. It will be more convenient for the cashier. In this way, the transaction of supply also avoids the parties from borrowing the supply and shipping, and privately fertilizing themselves, which is conducive to the operation and management of the business. Merchants can also come to the bank to check the accounts from time to time. Therefore, this trading method will definitely replace the previous cash delivery. In fact, at present, many merchants in Nanchang have begun to accept this transaction method. If everyone trades like this, the bank will definitely accumulate a lot of gold and silver, and it will definitely accumulate more reputation. More and more people are putting their deposits in banks. The Chu Wangfu, just one, deposited 2.6 million taels of silver in the bank! Banks lend money, but they don't use their own principal, so banks are really not short of money. “

Hu Yujin was slightly interested, if all commercial activities in Nanchang were delivered from the bank, it would indeed be beneficial to the management of merchants' money and the settlement of business transactions. Take a closer look, Zhang San and Li Si, make a transaction, and the step of taking silver to pay is exempt! After the direct inspection, the bill is opened, and the bank enters and exits. Both sides don't need to touch the silver, the transaction is completed, and in the long run, it will be accepted by the merchant! Yes! In this way, merchants will gradually get used to depositing all their operating expenses in the bank! Convenient trading, and some interest income. There is really a lot of money precipitated in this way, and there is some truth in what this guy said.

However, Hu Yujin asked: "The bank uses deposit bank to lend, if the merchants are all regular merchants, take the silver out to expand the business!" The Chu Wangfu came to withdraw the silver in advance, how did the head of Qin deal with it? ”

This is a key question, although the business newspaper does not mention the Chu Palace. But everyone here clearly knew that this time the Chu Wangfu planned to run the bank, but it was defeated by the bank recovering the loan in advance! The palace of the king of Chu suffered a loss. But in the future, the merchant loan will be real, and the Chu Wangfu will run on it again, so you can't go to recover the loan in advance, right? What should I do if there is no silver to redeem at that time?

Things go round and round and go back to the run!