Chapter 84 Unlimited Business Opportunities "Brother Shen, we are all over the world, and our monthly income is not a small amount. The younger brother is not worried about putting so much silver in various branches, and every time he orders someone to deposit it in the money bank and exchange it for a silver ticket to bring back to the capital, and the cost required is not a small amount. Xiao Ershao said with some worry. Why is it that the money that I have worked so hard to transfer is lost from my left hand to my right hand?

"Hehe, how about we say we also open a money bank?" Shen Chongming looked up with a teacup and smiled.

Xiao Ershao was stunned, and was a little embarrassed: "Brother Shen, this money village is not something we can do if we want to, in addition to having strong financial resources, the more important thing is the trust of the chambers of commerce in various places, and this trust depends on its own reputation." Although we have a lot of silver, and Tongda Carriage and Horse Shop is even more profitable and enviable, but in terms of fame, it is much worse, even if it is a money bank, it is a loss-making business. ”

"Well, there is some truth in what you said, but this money bank is indeed a business of gathering wealth, especially at present, trade in various places is becoming more and more developed, and transactions between merchants in different places are becoming more and more frequent, and there are more and more exchanges on this money, so there is a lot to be done in setting up a money bank, we must think of a way." Shen Chongming was mixed, happy that he had found another big business opportunity, but worried that he did not have the strength to seize this great business opportunity.

When he said this, Xiao Ershao's heart was also itching, and he said hurriedly: "Brother Shen, as soon as you say this, this is indeed a good business to start a money bank, and even if it is not as good as a car and horse shop, I am afraid that it will not be much worse." We have two businesses in hand, maybe one day we will really be a big businessman who is rich enough to rival the country, tsk, ...... at that time"

"Okay, okay, it's useless to think about it, you better think about it, otherwise the money bank can't do it, everything is a fantasy." Shen Chongming interrupted Xiao Ershao's reverie.

"Hehe, there's no prospect where the motivation comes from." Xiao Ershao said with a smile, "When it comes to stratagem, Brother Shen, you are invincible in the world, I will leave this method to you to think about, junior brother will go back and arrange someone to find out what is needed to start a money bank." After that, without waiting for Shen Chongming to speak, he got up and walked outside.

Shen Chongming shook his head helplessly, but he didn't bother to stop him, he sat down and thought about countermeasures.

"Fame, where to find such a thing?" After thinking about it for a long time to no avail, Shen Chongming couldn't help but scratch his head and muttered to himself.

"My lord, why don't you look for the emperor, it's like a royal trading house, as long as you pull the emperor and the court into shares, won't this be famous?" Brother Erdan, who was standing on the side, couldn't help but say. I heard the conversation between my own adults and Young Master Xiao just now, but in fact, they thought of this method as soon as they mentioned fame, but they were embarrassed to say it. lest your own adults be angry and clean up again.

But Brother Erdan has always been a person who can't hide what he says, seeing that Shen Chongming still couldn't think of this section after pondering for a long time, he couldn't help but say this method anymore.

Shen Chongming was dumbfounded, and was stunned for a long time before he asked in disbelief: "Erdan, did you think of this method yourself?" ”

Seeing him like this, Brother Erdan was shocked, and said that he had some bad idea. "My lord, my subordinates are just talking nonsense, don't take it seriously." Saying that, Brother Erdan raised his feet and escaped, according to his account books, there are countless debts, if this is counted at one time, a hundred military sticks are absolutely indispensable.

Shen Chongming didn't have time to call him up, and he understood in his heart what Brother Erdan's idea was, but this kid was also stupid and cute, if he really wanted to clean him up, how could he keep dragging it out.

However, Brother Erdan's words just now gave him a wake-up call, although this prestige is not enough for himself, but the emperor is definitely enough. If he is brought into the shares, then who in the world can not believe it, this reputation is much stronger than those chambers of commerce or money banks run by merchants.

With a plan, Shen Chongming immediately closed the door and thought carefully. The most important thing at the moment is to have a detailed plan, the emperor is easy to say, but what he is most afraid of is that those people in the court do not agree to this matter, after all, he can be regarded as pulling the emperor out to do business, and he has done this kind of thing again and again, and it is strange that those old masters don't clean up themselves.

However, the plan is easy to do, and it is necessary to directly turn this money bank into a bank and control the circulation of money, which is a major matter related to the stability of the world, and as long as the relationship is clear, it should not be a problem to obtain the support of the cabinet.

"Bank, what is a bank?" Emperor Longqing asked with some confusion.

"Your Majesty, this bank is Qianzhuang, but the scale is much smaller than that of Qianzhuang, so Weichen calls it a bank. Listen to this name, people will know that it is a place where the silver is stored, this is what Weichen pondered for a long time to figure out, the emperor, you think it is good. Shen Chongming put gold on his face.

This name Emperor Longqing is indeed the first time I have heard of it, and it does sound much better than Qian Zhuang, and it also looks domineering. "Well, that's a good name. Hehe, according to me, in this world, only Shen Aiqing often does these unconventional things. Tell me, did you pay any attention to this bank? ”

"Emperor Shengming, this little bit of caution of Weichen can't hide your discerning eyes at any time." Shen Chongming patted Emperor Longqing's ass and said: "Your Majesty, recently Weichen has received some news, since we opened the sea to trade, commerce and trade in various places are changing with each passing day, and most of them are the kind of bulk transactions involving silver money. Nowadays, most of the local money banks are opened by chambers of commerce, and they do not belong to one person and one style, which is very inconvenient for businessmen who need to transfer and withdraw money. ”

"So you're thinking about opening a bank and shutting down these banks?" Emperor Longqing's brows were not furrowed, but he looked at Shen Chongming in disbelief.

Shen Chongming was shocked, and hurriedly waved his hand and said: "No, the emperor, you misunderstood, it's not that Weichen wants to open a bank, it's that Weichen suggested that the emperor open one." Of course, if the emperor doesn't have time to take care of it, Weichen will laugh and laugh. Saying that, Shen Chongming's face was a little sneering, this is too fucking straightforward.

"Hehehe, it's not like you want to meddle in it. But this kind of good thing can still be remembered by me, and you are loyal as a courtier. Tell me, what are your plans? Emperor Longqing asked with a smile.

Shen Chongming smiled, which was a tacit acquiescence. "Your Majesty, the reason why Weichen is concerned about opening a bank and making money is secondary, in order to provide convenience for those merchants. If it is convenient for them, this trade will definitely develop faster, and the tax revenue of the imperial court will also increase, which is a great thing for the benefit of the country and the people. However, to start a bank, credibility and prestige are particularly important, and Wechen's shallow qualifications naturally cannot afford this responsibility. But the emperor is different, in terms of prestige, you are definitely the first in the world, if you come forward, the people of the world will naturally trust the bank we established. ”

The sycophant is extremely obvious, but it is a rare enjoyment to fall into the ears of Emperor Longqing.

"Well, there is some truth to what you said, but I really don't want to come forward in this matter." Emperor Longqing said with some embarrassment. This also can't blame him, the matter of the royal trade bank has finally been settled, and now what kind of bank is going to be found, the two old men in the cabinet are not allowed to take the ministers directly to run in front of him and kneel down.

Emperor Longqing was worried about something, Shen Chongming was naturally clear, and he had already thought of a way to deal with this. "Your Majesty, the establishment of this bank is a great thing for the benefit of the country and the people, although it is okay to find other famous people to start it, but in the end it is not as stable as being controlled by the imperial court. Weichen thought that as long as the reason was explained clearly, all of you would definitely agree. And this bank is a very profitable business, except for the emperor, your heavenly qi can be deterred, but I am afraid that others will not be able to enjoy this kind of blessing. ”

Shen Chongming's sycophants became more and more explicit, but Emperor Longqing was not disgusted at all, but accepted the sycophants with a smile on his face. "Well, that's exactly what happened. But I don't want to be rubbed by those old masters, and if you can convince them, I'll help you. By the way, if you start a bank, how much can you earn in a year? ”

"This ...... It's hard to say yet, but Weichen thinks that three million taels of silver shouldn't be difficult. Shen Chongming said with some uncertainty. He really didn't take this into account, but the banks of later generations seemed to be the most profitable business.

"Three, three million taels?! Can there be so many? Emperor Longqing was dumbfounded. Although the money bank can be said to be a kind of capitalless business, but its profit is not very large, after all, many people like to buy silver for land, rather than spending money in vain to store the silver in the bank. Even if there is only one bank in the world, there is no other bank, and it is unexpected to earn a million taels of silver every year.

Shen Chongming was also stunned. These three million taels are his conservative statement, after all, taking other people's money to make money, it will come quickly. "Weichen thinks it shouldn't be a problem, as long as we can operate, breaking through five million taels is not a problem."

"Tell me, how exactly do you plan to run this bank, how can you make five million taels a year? Even if it is one out of a hundred, it will cost 50,000 taels of silver. Emperor Longqing's face was full of consternation, Shen Aiqing shouldn't have miscalculated, right?

Hearing this, Shen Chongming could be regarded as reacting. Oh no, the bank's profit model is completely different from that of the bank at this time. "Your Majesty, the bank that Weichen said is not only for the convenience of merchants to deposit and withdraw silver taels, but more importantly, to raise a small amount of silver taels to gather and lend to those merchants who need silver turnover temporarily, and we will collect interest from it."

"Hehe, it seems that Shen Aiqing, you don't understand the way of making money in this money bank." Emperor Longqing laughed, thinking that Shen Chongming didn't know what Qian Zhuang was doing. "This money bank, in fact, is making some hard-earned money, and their biggest reliance is strong financial resources. For example, some merchants earned 10,000 taels of silver in the capital, and such a large amount of money on their bodies is likely to cause trouble, so for safety reasons, many people choose to deposit the silver money in the bank, and then take it out after returning to their hometown, so that it is much safer, and what they pay is only a small amount of money. With this change of hands, it is impossible for the silver to be lent to others for circulation. ”

Shen Chongming is full of black lines, which he naturally knows clearly. This is also the main factor that has not made much progress since the emergence of money in the Song Dynasty, and what they covet is only that little profit.

However, as a courtier, Shen Chongming naturally couldn't say that Emperor Longqing was not, so he had to pretend to be grateful: "Thank you for the emperor's mention, but the bank that Weichen wants to start does more than that." ”