"The princess is worried. There are many ways to borrow money, and the kind of borrowing money you are talking about is the most inferior method. Wen shook his head and said, "Smart people don't do it!" ”

"Oh? Then how do you say to borrow money! Xiao Zhao wondered.

"I said financing! You don't understand! Wen Hehe said: "But if I say open a money bank, you must be no stranger, right?" ”

Xiao Zhao pouted and said: "Even if you can make money by opening a bank, you won't be able to earn 200,000 yuan in a short period of time!" ”

Wen smiled and said: "Of course, it is slow to expect the money to make money, but what if you can directly use the money in the bank?" ”

Xiao Zhao was stunned for a long time before he seemed to understand: "But if this money is used by you, what should those who save money do when they want to withdraw it?" ”

"You know the profit model of the money bank now, right?" Wen asked.

Xiao Zhao nodded and said, "I know, there are no two kinds, one is to charge a storage fee, and the other is to release money." ”

"Not bad!" Wen gave a thumbs up and praised him: "But the money bank we want to open is a little different from the ordinary money bank." ”

"It's all money, what's the difference?" Xiao Zhao pouted.

Wen He said with a smile: "The biggest difference is that our money bank not only does not charge storage fees, but also gives money to depositors. ”

In ancient times, financial institutions were called money banks to put it mildly, and to put it mildly, it was black shops. Instead of paying depositors interest, they charge them exorbitant fees for safekeeping.

Let's put it this way, the depositors deposit 100 yuan into the bank, and after ten years, not only will the 100 yuan they saved be gone, but they will also owe the bank 100 yuan in custody fees.

From this, we can see how dark the ancient money village was.

Xiao Zhao sneered: "What should I think of as a good idea, just open a money bank like this, don't talk about counting on the money bank to make money, I'm afraid it won't be long before I will lose you." ”

Wen snorted: "Am I that stupid? ”

"You're not stupid, but you're stupid!" Xiao Zhao rolled his eyes and said.

"........ "Fortunately, this girl has the identity of a princess, otherwise she would have been beaten to death because of this broken mouth." Wen Changshu breathed a sigh of relief and said, "After listening to me, you can draw conclusions again, okay?" ”

"Listen up!" Xiao Zhao sneered.

"As you just said, there are two biggest sources of income for Qian Zhuang, and we just removed one of them. But the bulk of the money still comes from lending. You must know that even if the temple is warm, it will be 30% per month.

Of course, we're not that dark, we just need three years to achieve well........" Wen said with three fingers.

"Wouldn't we lose even more money!" Xiao Zhao pouted.

Wen Bu said angrily: "Can you listen to me." ”

"........" Xiao Zhao snorted lightly, although she didn't take a stubble, but the disdainful expression on her little face had completely betrayed her true thoughts at the moment.

Wen continued: "With this 30% profit, we only need to take out 10% to the depositors. Think about it, how many people will want to deposit money in our bank? When the time comes, let alone 100,000 guan, even if it is 1 million, it will be a small death! ”

“........”

"Aren't you excited?" Seeing that Xiao Zhao was silent, Wen asked excitedly.

“........”

"You don't have anything to say?" Wen wondered.

"Say what?" Xiao Zhao pouted.

"What do you think?" Smell with both hands.

"Thoughts? Well, it's a little ........" Xiao Zhao said in a hum voice: "Little death?" Don't you just want to die? ”

"........" Wen Fu said: "Serious ........"

"Serious?" Xiao Zhao said.

"Yes." Wen said in anticipation.

Xiao Zhao nodded and said with a smile: "Well, it's a very good idea, then I wish you a fortune, I'll leave first." ”

"........" saw that Xiao Zhao was actually leaving, and he was stunned. What's going on! Didn't you flicker! Impossible! Is there anything better than opening a bank in the most lucrative legal business in the world?

Wen hurriedly called out to Xiao Zhao and wondered, "Wait, you're not interested?" ”

Xiao Zhao sighed and said, "Making money, who is not interested." But you're still elated about losing money like you, and to be honest, it's the first time I've seen you. ”

"How can you lose money?" Wen was stunned. In later generations, there were many companies that lost money, but I never heard that the bank would lose money.

"Don't think I'm stupid." Xiao Zhao said contemptuously: "Then let me ask you, you don't charge storage fees, but also give profits." If you open a money bank, only people save money, and no one asks you to borrow money, what do you rely on to give money to others?

Of course, with your low profit, there will definitely be many people who ask you to borrow money, but what if you can't recover it? What to do!

Or they all come to you to borrow money, and those who don't save money, what do you lend to others? If you can't borrow money, how can you make money?

Furthermore, if someone makes a bad deal and saves a large amount of money in your bank, and when you lend it out, he will come to you again to withdraw money, will you sell your mansion and repay the money? ”

“........”

Royal education is really perverted! It's only been a little over a year, and she has just trained a nine-year-old girl into an elite.

It seems that just flickering is not enough, and you must come up with some dry goods! Wen coughed lightly and said, "There is no free lunch in this world." What the princess said, of course, will be limited by specific clauses.

For example, if you come to our bank to deposit money, only a fixed deposit can be profitable, and it is at least a year to deposit, that is to say, a deposit of 100 yuan, and after a year, you will give 110 yuan to the depositor with interest. Moreover, the time to withdraw money can only be late, not early, even if it is only one day earlier, not only will you not give money, but you will also be charged a storage fee.

As for borrowing money, not everyone can borrow it, there must be a mortgage, such as a house, such as antiques........ Anyway, the borrowed money must be equivalent to the collateral.

In addition, in the early days, when we had little money in the bank, we had to control the scale of borrowing, and we could only save as much as we could borrow, so as to prevent those with ulterior motives from ........"

"........" listened to the various terms that kept squirting out of his mouth, and Xiao Zhao couldn't help but swallow a mouthful of saliva. Such a detailed clause is definitely not something that will be thought of for a while, obviously Wen This guy has been prepared for a long time!

In that case, why didn't this guy open a bank earlier?

"You see, since then, it will be safe, and we will be able to lend you money from the money bank to build the princess's mansion, and you only need to wait for the theater to make money, and then return it to the bank. Wouldn't it kill two birds with one stone! Wen concluded.

Xiao Zhao smacked his lips and said, "It's really good!" In that case, then you should go and open a bank! When you open it, I will go to your bank to borrow money to build the princess's mansion, and then wait for the theater to make money, and then I will pay it back to you. ”

“........”

It took a long time to speak, but it was in vain! It's a bank! Who doesn't want to open a profitable and loss-making deal! However, according to the virtue of capital, this money bank will definitely grow into a behemoth in the future, and even affect the economy of a country.

How could Zhao Lao Er allow such a money bank to be controlled by private individuals. It can be expected that raiding the family and exterminating the clan will definitely be his final end. Unless you want to rebel, but the Taizu of later generations said that power comes out of the barrel of a gun, and in the absence of military power, whoever has more money will die faster.