Gan Qi went to see the emperor, Qianzhuang is a pure commercial activity, Gan Qi looked for the emperor, in fact, he didn't want to explain how to explain the matter of Qianzhuang thoroughly, or to tell the emperor that Gan Xianggong wanted to take Your Majesty to make money and make a fortune.

Zhao Ji obviously doesn't understand this, but he knows that now there is so much money and food in the inner library, it is relying on Ganqi lottery dividends, this is the business done by Emperor Renzong and Ganqi in the past, there is a lesson from the past, Zhao Ji only asked one thing: "Then how much money do I need?" How much money do I get each year? ”

Gan Qi couldn't give a detailed answer at this time, but replied: "Your Majesty's inner treasury is 200,000 yuan, and the annual dividend is at least 200,000 yuan." If 500,000 guan is invested in the yamen of the three divisions, at least 500,000 guan can be divided every year. ”

This return on investment ratio is frighteningly high, but the two shareholders of the royal family and the three divisions must be brought in, which is very important, and the business of the imperial court in the future will depend on this relationship. The exchange business of the imperial court is a large amount, not to mention the future, let's just say that now, the annual exchange of 70 million guan, even if the handling fee is only one percent, is as much as 700,000 guan.

Moreover, the exchange is still repeated, which means that each sum of money will be repeatedly exchanged many times, that is to say, 70 million guan will not be exchanged only once, but will be divided into countless small amounts, each small amount will be exchanged many times, and the handling fee will be amazingly high.

And in the future, it is also a big business to lend money to the imperial court, that is, the money village lends money to the three divisions.

That's why Gan Qi prescribes such a high return on investment.

Zhao Ji didn't have the slightest doubt about Gan Qi's return on investment ratio, but just smiled: "This business is good, I support you, the royal treasury will pay 500,000 yuan, and the third division will pay 1 million yuan." How is it? ”

Gan Qi shook his head again and again: "Your Majesty, there is no need for so much. If there is a secondary offering, His Majesty can reinvest. ”

The total share capital of the first phase is only 5 million yuan, and Gan Qi also gave points to many large merchants, and Gan Qi himself has to ensure the power of the holding, which is also the majority of interests, so naturally he will not ask the royal family and the court for too much money.

Zhao Ji was still a little disappointed, such a profitable business, but he couldn't make a lot of money, so he was naturally disappointed, so he said: "Okay, if it is a second IPO, I must invest more." ”

Zhao Ji's confidence now,It's also because he has more and more money in his private power,No longer have to buckle the rope like Renzong did before.,It has to be Gan Qi's lottery profitability is too strong.。

If the emperor has negotiated here, then everything will be negotiated.

Gan Qi went directly to the Yamen of the Third Division, and the commercial tax supervisor had already summoned dozens of large merchants in Bianliang City to a meeting.

Nowadays, the prestige of the commercial tax supervisor is also getting bigger and bigger, and the tax collectors can be sent everywhere to notify, Gan Qigan has major affairs to discuss, and the proprietors and treasurers everywhere gather together early.

After Gan Qi came out of the palace, he went straight to the main hall of the three divisions, and there were more than 100 people sitting in the black pressure inside.

Seeing Gan Qi walk into the main hall, everyone got up to greet Gan Qi, many familiar faces, such as Pan Guo of Pan's Restaurant, this person was severely beaten by Gan Xianggong, and now he is the most honest, and has won the award of "Bianliang City Honest Merchant" issued by the Commercial Tax Supervision for several consecutive years, and this award was set up when Gan Qi left from the Commercial Tax Supervisor.

Before Gan Qi could speak, Pan Guo was the first to stand up and speak: "Gan Xianggong, but please tell me, borrow money or something?" Just open your mouth! ”

Gan Qi really borrowed money from him, that is, when he went to Liao to engage in financial warfare, Gan Qi borrowed more than 1 million guan from various merchants in Bianliang City, and Pan Guo borrowed 30,000 guan. However, it has already been returned with interest, and the integrity is so, so it is naturally not difficult to borrow again.

Gan Qi squinted and smiled, and arched his hands left and right: "I don't borrow money this time, I have a business to invite everyone to join and make a fortune together." ”

"Gan Xianggong wants to do business? Which business? Someone asked.

Pan Guo immediately answered: "The business that Gan Xianggong wants to do, it is naturally the most profitable business, no matter which business he has, he will definitely make money, I Pan Guo is the first to support, and I Pan Guo will make a capital." ”

Gan Qi gave Pan Guo an appreciative look and expressed his gratification. It seems that if you want to be honest, you have to let him be beaten by society, and Pan Guo is an example, a person who has been beaten badly.

"Ben Xiang wants to open a money bank that exchanges the world, with a share capital of 5 million yuan, and is initially preparing to let the exchange pass through all the state capitals, and in the future, it will also go down to the county and the big town. At this time, it was a matter supported by the imperial court, and the official family invested 200,000 guan in the name of the royal family, and the imperial court invested 500,000 guan in the name of the third division. Here, I am going to invest 3 million yuan in the name of several industries, and there is still a vacancy of 1.3 million yuan, which is to invite you to contribute share capital, and the amount of money contributed is the proof of accounting. I wonder if you're interested? ”

Gan Qi didn't hide it, and explained everything at once, the emperor and the court both invested in the business, and Gan Qi himself made a big deal, which was already very convincing.

Pan Guo was naturally the first to express his opinion: "Xianggong, villain Pan Guo, I am willing to claim 80,000 guan!" ”

Pan Guo is so enthusiastic, in fact, it is not difficult to understand, after being beaten, he naturally has to be obedient. In fact, what is more important is that he knows that he has offended Ganqi, and now that Ganqi is in power, he has to work hard to repair this relationship. In the past, he borrowed money, he donated generously, and today he raises money, and he also wants to be the most supportive person.

Sometimes that's how bad things turn into good things, and that's what really smart businessmen are.

"Okay, shopkeeper Pan, rest assured, Benxiang will definitely take you to make money, and will not let your share capital go down the drain. The prime minister is also here to tell you one thing, every year in the future, the accounts of this money bank will be publicized, no matter how big or small, they will be publicized. I think you know about the charitable foundation, and it has been publicized for several years, and there has never been a business trip. ”

Gan Qi thinks far, if he wants this money bank to really develop into a giant, it can really exchange money for the whole country, and the bankbook can really develop into a currency-like thing with the world, so it is necessary to ensure credibility from the root. Only when everyone can trust it, then can it be guaranteed that the things that are issued are credible.

Whether it is a passbook, a handbook, a silver ticket, or even a banknote, these things are the same thing in principle, and maintaining credibility is fundamental.

Whether it can really absorb a huge number of depositors, reputation is also fundamental. As long as there are real depositors, this money bank can play a role, and even lend a large amount of money to the imperial court.

Pan Guo was really happy at this time, at first he still had a little bit of money to eliminate the disaster, and when he heard Gan Qi say this, he gave a thumbs up: "Gan Xiang is benevolent and righteous!" There are no businessmen in this world who can do what they are willing to do. I, Pan Guo, gave 100,000 yuan, went home to smash the pot and sell iron, and I also had to make up the money! ”

"Okay, the shopkeeper Pan is benevolent and righteous, come to someone, make a contract, have a personal seal, sign and draw a pledge in person, and press his thumb up, and he will not break his promise." Gan Qi praised Pan Guo loudly, and said: "After completing the formalities, the prime minister invites you to eat and drink, and if you don't get drunk, you will go to Pan's restaurant to eat." ”

Investing in this kind of thing, like Pan Guo, he didn't even think about whether he could make money. But there are always people who will think about making money or not, which is not better than borrowing money, Gan Qi borrowing money, that is borrowed and repaid, what if you lose money in business?

The owner of Fan Lou today is named Wu Dong, and his ancestor is also an important minister of the founding of the country, so he opened his mouth and asked: "Xianggong, the matter of exchange, I don't know how much profit is?" ”

Gan Qi replied seriously: "In the matter of foreign exchange, the profit lies in the foreign exchange tax, if it can really exchange the world, even if the foreign exchange tax is one out of a hundred, the profit is difficult to count." For example, if the shopkeeper Wu has a sum of money, 10,000 guan, to be paid to the wine merchant in Shanxi, and the wine merchant cashes in Shanxi, and the money is collected by the bank, then the wine merchant will take this money to pay the grain merchant in Hebei, and the grain merchant will pay another 100 guan in Hebei, and if the grain merchant wants to buy a house with 10,000 guan in Bianliang, the money will be cashed in Bianliang again, and the money village will have to be 100 guan. That's where the profits of the exchange world lie. You said that a total of 10,000 yuan was transferred around in the bank, and it was exchanged back and forth, how much exchange tax did you say the money bank could get? ”

Wu Dong was stunned when he heard this, he really didn't expect such a joint, the method of exchange, it seemed to be thankless, and what he earned was the hard work of transporting money around, but in fact, it was far from the case.

Gan Qi also continued: "If there is a lot of money in the bank, and then lend it to merchants or ordinary people, or even to the imperial court, and earn interest on it, it will be much more profitable than the tax on exchange." ”

Wu Dong was still digesting Gan Qi's previous question, and suddenly heard Gan Qi say this, and replied: "The matter of loans, nine out of thirteen, is a huge profit." ”

"No, the money village lends money for the livelihood of the people, and does not borrow the usury of nine out of thirteen. Money banks lend money, and the interest rate is bound to be low, far lower than that of nine out of thirteen. ”

Wu Dong couldn't figure it out again: "That...... So how do you make money? How can this profit be compared to the exchange rate? ”

Gan Qi replied with a smile: "Shopkeeper Wu should think about it more, when it comes to exchange, a sum of money can be exchanged countless times, can't the loan be like this?" How many times to borrow a sum of money? ”

"How is this possible, the money lent out is used by others to spend, and if he spends it, how can the money bank lend it to others again?" Wu Dong didn't understand the meaning.

Not only did Wu Dong not understand, but there were blank faces all over the audience.

This naturally had to be answered by Gan Qi: "For example, the shopkeeper Pan is in a hurry to make wine this year, and he borrowed 10,000 guan from the bank, and he took the 10,000 guan money, and he had to pay it to the wine merchant in Shanxi, so he had to exchange it again, and deposited the 10,000 guan into the bank, so can the 10,000 guan money be lent to the shopkeeper Wu?" As long as the money is allowed to operate within the bank, the money can be lent out as many times as you want. ”

Gan Qi still hasn't said a word, that is, the real big customer of the imperial court, for example, the imperial court wants to borrow 10 million yuan from the bank, but it does not need the money village to really have 10 million yuan. Because the imperial court will not really take out all the money, but also have to send money everywhere, and deposit and withdraw it everywhere. Qian Zhuang only needs to give the court a passbook of 10 million yuan, or even only need to give the court a quota of accounting.

As long as you make sure that you get it when you really withdraw cash from all over the world, that's fine. And when you really spend money, when you want to withdraw cash, it is often a small amount of withdrawals, such as Fa Yulu, an official takes a hundred and ten yuan, and will not really withdraw 10 million yuan at a time. As long as it can meet all kinds of small cash withdrawals, the money bank can lend as much as it wants.

Of course, bad debts are something to be controlled, but there will be no bad debts in the imperial court, this is certain, and another point is that the scale control of deposit reserves must be safe.

If the vast majority of business activities can really be made through the bank, then the cost of the bank's various capital operation activities can be reduced to an unimaginable level.

This is the basic model of a bank.

Wu Dong was frowning and pondering, digesting the truth that Gan Qi said.

Pan Guo actually didn't understand too much, he stood up and patted his chest and said: "Gan Xianggong said that if you can make money, then you will definitely be able to make money, I, Pan Guo, 100,000 yuan, a mouthful of spit and a nail, come, make a contract, sign and draw!" ”

Gan Qi smiled: "A total of 1.3 million yuan of share capital, first come, first served, the shopkeeper Pan received 100,000 yuan, and there are still 1.2 million yuan left." The shopkeeper Pan accounts for 2% of the share capital of the bank, no more, no less, come to the person, the contract is written, and everything is written clearly. ”

Wu Dong hadn't completely come back to his senses, but he had a hunch that this business might really make a fortune, so he said, "Then, I'll also pay 100,000 yuan." ”

"Good!" Gan Qi waved his big hand, and the swords and pens were like gods, and the template prepared by Gan Qi for the shareholding contract was written clearly with the best paper, the best pen and ink, and the best handwriting.

"Then we will also enter one share in Yuxian Lou, 50,000 yuan, one percent of the share capital."

"Let the store receive one percent, and also give 50,000 yuan."

At this time, a person hurriedly rushed in from the door, and shouted when he entered the door: "Xianggong, I just came back from Yanyun, looking for you everywhere, it turns out that you are in the Sansi Yamen, I heard that Xianggong is going to do big things, and if you really draw lots, how can my Chen family not pay for it?" I, Chen Han, received 100,000 yuan, and I am all worth of money. ”

Gan Qi turned his head and saw that Chen Han was back, and he came back in time, he didn't understand what Gan Qi was doing, and he went out 100,000 times when he entered the door.

Gan Qi smiled and beckoned: "Come close." ”

Chen Han was in the dust, and when he got closer: "Xianggong, it just so happens that today's subordinate officials should also go to the third division to report to take office, and they will do it together." ”

Chen Han was transferred to Beijing, and he was a judge of the branch and served as Wang Anshi's deputy. This deputy's deputy is not easy to be, and now Wang Anshi is also making a big move in the third division, and all officials have begun to train in the method of Arabic numeral accounts, and Chen Han has learned.

With the addition, subtraction, multiplication and division of Arabic numerals, coupled with the artifact of the abacus, we can really get a money bank that exchanges the world, otherwise the Chinese character accounts will be too cumbersome. But speaking of which, I still have to admire the abacus invented by my ancestors, this thing is the real artifact.

Gan Qi didn't say anything about business, but said: "You write down this 100,000 yuan for you, and you make a contract." The net worth is here, so you don't lose money. What about Zizhan Ziyu? Did they go back? ”

"Xiaguan set off first, Xiaguan is not the chief official, he will come back when he comes back, the two Su brothers are both chief officials, I am afraid that it will take ten days and half a month to enter Beijing." Chen Han replied.

Gan Qi nodded, and also hoped that the people of his own party would enter Beijing quickly, if there was to fight, someone had to charge into battle, and if he really wanted to reform the imperial court, he must have his own people to do things, otherwise they were all conservatives like Sima Guang, and Gan Qi was afraid that it would be difficult to resist.

Gan Qiyou said to the audience: "Whoever has signed the contract still has one thing to do." ”

"Please let me know." Pan Guo asked.

"Every merchant will send 20 account rooms, and the account clerk apprentices will also be sent to the third division for training for two months, and then they will be stationed in various places." Gan Qi's hand is really clever, firstly, there are not enough people, and people who can settle accounts are also a scarce species in this era. They must also read and read, and they must be able to calculate and calculate.

In this era, there are not many people who want to be an official in ten years and can be an accountant with peace of mind. Scholars have become account rooms, and nine times out of ten they are forced by life. Or it is specially cultivated by the merchants themselves.

Another point is that Gan Qi is expressing his complete openness, and every family has someone to take care of the work, which is completely selfless. Gan Xianggong really wants to do business, but he is not a pit for money.

"Xianggong, the villain is 30,000."

"The villain is fifty thousand."

"The Liu family in the north of the city, recognize 150,000 guan."

Gan Qi waved his hand: "150,000 is too much, give you 70,000, otherwise it won't be enough." ”

Chen Han saw the excited scene, and he didn't know why he asked, "Xianggong, what is the big deal here?" ”

Gan Qi also smiled: "You're out of 100,000 yuan, you still don't know what you're doing?" ”

Chen Han scratched his head: "Do charity? ”

Gan Qi smiled and didn't answer, this Chen Han is really useful, and he is willing to take out his net worth for charity. This is the meaning of a road to the dark. Gan Qi said that he was very satisfied, this Chen Han was really his own person.

Chen Han has the potential to be the president of the bank, and he is sure to take Gan Qi's money to death.

Seeing that Gan Qi didn't answer, Chen Han said again: "Is it really charity?" When I got home, I had to talk to my father about it, and I had to get it out of the 100,000 yuan. ”

The contract was being written one by one, Gan Qi got up and said: "Everyone, tomorrow I will send the money to the Sansi Yamen and hand it over to Wang Jiefu, and then my house will become a money house, and in the future, the accounts, business, and exchange will all be done there." ”

Everyone nodded, who Wang Jiefu was, everyone knew, the newly appointed governor of political affairs, and the chief official of the three divisions. The money was in his hands, and it became more and more secure.

Chen Han asked, "Xianggong, where will you live in the future?" ”

"I've found a house in the inner city, change to a bigger one." Gan Qi wanted to change the house, and it dragged on for a long time, and it was finally done. In the past, the house was bought when Gan Qi was not an official, but now it is really not enough.

Gan Qi said: "Everyone, there is one more thing you have to help talk about, that is, anyone can deposit money in the bank, and the money saved in will have interest, with an annual interest of two percent. That is to say, one hundred and two dollars can be obtained after one year. I hope you all know Bianliang, and you know Bianliang! ”

The business began, and these big merchants in front of them were the first objects, although they were known to Bianliang, but in fact, they were to be known to themselves.

The annual interest rate does not seem high, but for these large households, it is high, 10,000 yuan a year does not move, and earns 200 yuan. These people used to make money, and they had to dig a large cellar at home, lock and lock, and the lock was rusty. Now it's different, save 10,000 yuan, and give you 20 acres of land a year.

Put it in the homes of ordinary people, save ten times, and get 200 yuan a year, although 200 yuan is not much, it is not a problem to buy a few small furniture.

That's how savings come from, the more the merrier, the more you get.

"Well, don't worry, I, Pan Guo, will save 10,000 yuan and give it a try." Pan Guo is really trying. Just now I said that I would smash the pot and sell iron to make 100,000 yuan, and at this time, I can save 10,000 yuan.

Hard work has to be rewarded, Gan Qi returned: "Don't go first, sign the contract, go to Panjia Restaurant, do the east in your own right, don't get drunk and don't return." ”

"Then how can you let Xianggong be the east, and I, Pan Guo, will be the east."

"Don't, next time the shopkeeper Pan invites him again, the prime minister will come, and this time the prime minister will be the east." Gan Qi gave Pan Guo a bigger face.

Pan Guo was overjoyed and hurriedly saluted: "The villain will not compete with the prince, next time the villain will prepare a table of delicacies from the mountains and seas, and then invite the princess to the banquet." ”

"Okay, that's it." Gan Qi smiled and patted Pan Guo on the shoulder. It's probably a grudge and a grudge, and the section where the society beats it has been revealed.

"Xianggong, what is the name of this money bank?" Pan Guo asked, and he dared to ask so casually, which meant that he knew that the two were close.

"Hmm...... The four seas, the four seas, the four seas, is the four seas of money. Gan Qi wanted to talk about Kyushu, but suddenly he thought, Kyushu is not the world, if you can see this money bank overseas in the future, it will be interesting.

"Okay, the talent of the public is the best in the world, and the name is so elegant, admire and admire." Pan Guo gave a thumbs up, this sycophant, it's over.