Earning this part of the difference is not Li Mu's conscience. He was thinking about the future, and as the bank grows, the costs will also increase. For example, the cost of printing treasure money, the cost of promoting it in various places. In this wave of Chang'an City, Li Mu took out 100,000 yuan, but he couldn't go to every place and take out all this money, then he was really a bit big.

You can not make money in business, but you can't lose money!

After the ceremony outside, Changsun Chong, as the president of Datang Bank, invited all the guests to visit the business hall on the first floor of the bank.

The place is limited, there are a lot of people, below the marquis, and below the fourth rank basically can't get in.

This made the invited businessmen feel that they had more face, at least today, they were compared to the fourth grade, and they were analogous to the princes. Changsun Chong took the expressions of these people into his eyes, and admired his teacher even more in his heart. The teacher's mentality towards these businessmen was really grasped, and he only used the word 'vanity' to tame them. And these people, who are still at a loss, show the wisdom of their mentors.

The display on the first floor is actually very simple. It's just that the style is a little strange, at first glance, I don't know and I think it's to the prison of Dali Temple. The iron fence outside the counter is the thickness of a child's forearm, and it also seems that the bank is really not bad for money, otherwise how could such a thick solid iron be used?

Outside the counter, there is a bench of simple scores, for the people to sit on business. The bench is also made of iron, and looking at this posture, it is planning to build a '10,000-year prison'.

The eldest grandson briefly explained the process of doing business, and then took the guests to the second floor. The second floor is the same as heaven and earth, and it is a VIP area. For less than 1,000 transactions, the second floor will not be accepted. Therefore, those who can climb to the second floor also show their identity and strength.

Of course, today's guests all have this strength. The decoration on the second floor is also worthy of their identity.

Inside, there is a spacious and bright lounge with a jacquard carpet from Persia on the floor. People step on the carpet as if they were stepping on clouds. On the carpet is a circle of chairs, and on the table next to the chairs are delicate refreshments and fruits for the dignitaries waiting to do business. All things are high-end goods in Chang'an City, and none of them are to deal with. As far as these hospitality supplies are concerned, on average, they will exceed the usual amount of money at a time.

Outside the lounge door is a long corridor flanked by single business rooms, all separated by thick mahogany. As soon as the door is closed, there is no way to know what business the customer is doing.

The VIPs were full of praise when they saw this, and the Chinese have always been 'only not exposed', and this kind of single business room brings people a great sense of security. After visiting the VIP floor, the guests went up to the conference room on the third floor.

There, Datang first held a brief bond offering ceremony.

The shares have already been subscribed before, and even the contract has been signed, and now it is just a formality.

Sun Chong, President of Datang Bank, issued the debt voucher to all the subscribed guests, and all the processes were completed. Everyone checked the voucher in their hands very carefully, they didn't look at anything else, they were looking for Li Mu's seal. In their opinion, the bank's credit is far less accurate than Li Mu's promise.

After the ceremony, President Sun Chong repeated the current main business of Datang Bank, except for the bond part, the others are no big different from the original, and those who can come here today have already had accounts in the bank, and they are no strangers to these businesses.

Soon, however, the guests were all stunned, because Changsun Chong said a business that he had not done before.

"From now on, depositors who deposit money in the Bank, including all branches and sub-branches, will enjoy the preferential treatment of 'free current account and regular interest payment' permanently!"

Hearing these eight words, the guests who had just become drowsy because of Changsun Chong's repetition of business content suddenly came to their senses and said, "You make it clear!" ”

"Quite simply, the Bank divides the deposit into two types of accounts. Current account is the term that can be withdrawn at any time, and term term is the agreed deposit period. ”

"We don't charge any fees for current accounts. For fixed term accounts, we pay interest based on the tenure of the deposit, and the longer the deposit, the higher the interest rate! ”

"What?!"

"What?!" The guests were all dumbfounded: "Put the money in the bank, and take the money if you don't do anything?" ”

Everyone's first reaction was not to believe it, there is such a good thing in the world?

Li Shimin was also a little confused, he remembered that Li Mu had told him before. It's not that Datang has no money, but that the money is in the hands of the gate valve family, and they have accumulated money for generations, and they can't spend it, they can't use it up, and they are all hidden, which is the main reason for the scarcity of silver money on the market.

Why do they hide their money? And not to invest? Li Mu's explanation is that their own business has reached a bottleneck, and other businesses cannot be inserted. There is no way to invest, but to let the copper money rot.

And if you want to make money, in addition to taking out a mortgage, you can only do business on your own. Where can I find this kind of lying down to make money?

However, among the guests, there are not without smart people. Soon, someone reacted and secretly scolded Li Mu for being treacherous.

Actually, it's also old wine in new bottles. In the past, one of the bank's businesses was to lend money. The interest ranged from one cent to three cents, and the money lent abroad at that time came from the Ministry of Internal Affairs. Therefore, this business depends on how much money is in the accounts of the Ministry of Internal Affairs, and it is taken out in proportion. Sometimes the quota is gone, and you have to wait for the next period of the Ministry of Internal Affairs to take out the quota before you can take out a loan.

Now, banks directly absorb private capital and then use it for lending. If it is not bad, the interest it eats will definitely be less than the interest it lends, and the bank will do nothing, and the left hand will be reversed from the right hand, and the price difference will be made.

In the past, with the loans of Chang'an City, private capital could still eat a full meal when the bank did not have a loan line. Now it seems that this bowl of rice will not be eaten in the future. As long as the banks are open, the funds will flow in, the quota will always be there, and unless they are fools, no one will use private loans at all.

"How much can you pay interest?" Someone happened to be asking.

"The annual interest rate is 6% for a one-year term, 8% per annum for a three-year term, and the annual interest rate is 1 cent for a five-year term or more."

Listening to the eldest grandson Chong say the amount of interest, those who had seen through this matter before had a feeling of 'it is indeed so' rose in their hearts. But they can't envy this money, because it belongs to the added value brought by the bank credit system, and of course others can do the same, the key is whether anyone can trust it? If I can't trust you, it's all in vain.

"The interest rate may rise or fall in the future, but no matter how long the deposit period is, it will be settled at the interest on the deposit date."

"What if we have an emergency? Can't you take it without expiration? Someone asked again.

"Yes, more than 1,000 times, you need to make an appointment one day in advance, 1,000 times, you can take it at any time." Changsun Chong explained: "But the interest can only be calculated according to the number of years it has been deposited, and if it is less than one year, part of the interest will be deducted." ”

"That's it......" Although I feel that it is somewhat uneconomical, but withdrawing money in advance is a breach of contract on my side, and it is acceptable to deduct a little interest. What's more, the deduction is the withdrawn part, and the unwithdrawn part still enjoys interest.

"In addition, although the teacher did not come in person today, the teacher said that you strongly support the construction of Datang Bank. If the princes have expressed something, he will also return the gift. The money you have stored in advance will be doubled on the basis of the basic interest. No matter how much the difference is, the teacher will make up for it! ”

Everyone looked at each other, double the interest?

Six cents becomes two cents, which is much more profitable than buying bonds!

If it's a five-year term, that's two cents. If the business is not done well, it is enough to make so much money!

Isn't there a silver deposit in the cellar at home?

Seeing that it was profitable, someone quit and shouted: "It's not fair! Before, Hou Ye only talked about bonds, but did not talk about the interest. I don't know, but why does anyone know? Hou Ye favors one over the other, this is not fair! ”

"Yes, not fair! Knowing that there is such a good thing, I have to save 100,000 yuan without saying anything! ”

"Yes, I also have some spare money at home, not much, and I also have thirty or fifty thousand yuan!"

One was louder than the other, Li Shimin listened in the corner, scolding in his heart. This group of bastards, as long as they mention money during the court discussion, they all retreat one by one. Now, are you showing off your wealth? A small four-grade can come up with thirty or fifty thousand yuan at will, but the emperor is overstretched, what's wrong with this world?

"Hey!" A sigh attracted everyone's attention, and Li Mu appeared at the door of the conference room at some point. The shouting crowd stopped abruptly, and there was not a single mutter. Don't look at them in front of Changsun Chong, one by one grinning people, who dare to shout in front of Li Mu, there are really not a few people in Man Chang'an.

"Everyone is friends, for a little money, as for yelling?" Li Mu glanced at everyone and sighed; "Yes, I didn't do it very thoughtfully. It's okay, you can make up for it! I'll take out another million yuan, and the money deposited in the bank today will also be doubled with interest, so the head office, right? ”

...... "Everyone, look at me, I look at you, and suddenly I don't know which one ran first, and a group of people rushed downstairs." When I was on the first floor, I explained how to make a deposit. One of them is a business called Committed Deposit. That is, go through the formalities first, and then the bank will go to the house to withdraw the money. If the bank does not withdraw the money at the appointed time, the customer will be blacklisted, not only will the account be cancelled, but the Ministry of Internal Affairs and the Ministry of Foreign Affairs will not deal with anyone with a credit stain. This is a big loss, and no one dares to joke about it.

There are so many people here, and the total amount is only one million yuan, and whoever takes the lead will be the winner. If it's slow, you can only eat farts after you.

Li Shimin was only stunned, he couldn't have imagined that Li Mu only planned to ask for one million guan, and now it was more than two million guan at once? This kind of means of accumulating wealth is really ancient and modern.

"A million shares are gone!"

There was a shout from downstairs, and Li Shimin was already surprised and numb.

He's numb, but is there any? The people who were waiting in line to make a deposit heard that the quota of one million yuan was gone in the blink of an eye, and they stopped doing it again. They all found Changsun Chong and wanted to discuss it again. Changsun Chong was forced to have no choice, so he had to agree, and then take out another million yuan, this is also the best he can do, no matter how much, he can't help it, after all, the discount is for Li Mu to post, as a big apprentice, he can't sell the master, right?

In fact, the so-called quota is pure nonsense. At the beginning of the bank, how much are you afraid of money? Moreover, the absorption of this money was originally for the purpose of lending, even if it is a double interest rate, it is not as high as the interest rate lent out, and the bank still does not lose money! Artificially creating panic and starvation marketing, this is the marketing method that Li Mu learned from a mobile phone brand in his previous life.

The results are great!

In order to appear low-key, Li Mu deliberately did not attend today's opening ceremony.

But so many distinguished guests came, and they were all in his face, so they couldn't bear to pay for it. He did not want to ignore it, so he set up a feast in heaven and earth, and after the ceremony, he took care of the meal.

Li Mu's hospitality has always been a big show, especially when it comes to showing his strength, this meal is not sloppy at all. In addition to the original cooks in heaven and earth, he also borrowed several imperial kitchens from the palace. There are many dishes that only the emperor can eat, and these guests can also eat them once today. He's numb, but is there any? The people who were waiting in line to make a deposit heard that the quota of one million yuan was gone in the blink of an eye, and they stopped doing it again. They all found Changsun Chong and wanted to discuss it again. Changsun Chong was forced to have no choice, so he had to agree, and then take out another million yuan, this is also the best he can do, no matter how much, he can't help it, after all, the discount is for Li Mu to post, as a big apprentice, he can't sell the master, right? As a big apprentice, he can't sell his master, right?

In fact, the so-called quota is pure nonsense. At the beginning of the bank, how much are you afraid of money? Moreover, the absorption of this money was originally for the purpose of lending, even if it is a double interest rate, it is not as high as the interest rate lent out, and the bank still does not lose money! Artificially creating panic and starvation marketing, this is the marketing method that Li Mu learned from a mobile phone brand in his previous life.

The results are great!

In order to appear low-key, Li Mu deliberately did not attend today's opening ceremony.

But so many distinguished guests came, and they were all in his face, so they couldn't bear to pay for it. He did not want to ignore it, so he set up a feast in heaven and earth, and after the ceremony, he took care of the meal.

Li Mu's hospitality has always been a big show, especially when it comes to showing his strength, this meal is not sloppy at all. In addition to the original cooks in heaven and earth, he also borrowed several imperial kitchens from the palace. There are many dishes that only the emperor can eat, and these guests can also eat them once today.

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