[Ran^文^Library][]. []. [com] "Banks?"

"Big Song Bank?"

When everyone heard the new noun in Wu Zhi's mouth, they stared at each other, they could understand the general meaning of these two words literally, but they didn't know what this bank was for. 【Ran Library (7764)】

"Big official, what are you talking about this bank?"

Everyone was puzzled, and Wang Gang, as the vice president, naturally wanted to ask Wu Zhi for clarification.

"Don't worry, the bank is a new business method that I have come up with, and I will explain it to you."

After calming everyone down, Wu Zhi raised his voice and began to explain to everyone.

"Banks, to put it bluntly, are buying and selling money."

As soon as Wu Zhi finished the first sentence, the people below were even more puzzled, they were all engaged in the sale of goods, selling goods to make money, and they had never heard that there were still people who could do money trading.

But out of trust and respect for Wu Zhi, they just exchanged heads and ears a little, and did not make noise and question.

Martial arts officials will never say anything.

"What is buying and selling for money?" Wu Zhi continued to explain, "To put it simply, it's about helping others keep their belongings, as well as lending money! ”

Lending? Could it be that the military officials should also be usurers? Everyone was stunned.

"Of course, this lending is by no means like usury." Seeing everyone's suspicions, Wu Zhi immediately explained, "Our bank will never lend money in casinos, and the interest rate on the loan is definitely not high. Moreover, when lending, the borrower's credit and the purpose of borrowing money will be strictly considered, and the borrower must use the same assets as collateral to borrow money, such as real estate and land. ”

"To be more specific, the bank I want to open is mainly for the business merchants in the Chamber of Commerce, when everyone who wants to expand the industry, but lack of financial support, you can take the deed to the bank mortgage loan, and when you have the funds on hand, you can come to the bank to repay the loan, you can redeem the mortgage."

After Wu Zhi finished speaking, everyone's eyes showed a bit of strange look, it is true that the Song Dynasty had developed commerce, but there were no supporting financial institutions, and big businessmen often encountered the problem of capital turnover, and one of the purposes of their establishment of the Chamber of Commerce was to facilitate mutual lending.

However, after all, the loan between the members of the chamber of commerce is between small groups, and it is very inconvenient to be able to borrow all the money.

The bank that Wu Zhi said made them very interested.

"Isn't what the big officials said about a pawnshop?" Someone below asked.

"No, no, no, it's not a pawnshop." Wu Zhi shook his head and said, "First of all, the interest rate of bank loans is much lower than that of pawnshops. For example, if you mortgage the property and the title deed to the bank, you will live in the property and the land will still be cultivated by you, and the bank will not act rashly. ”

Wu Zhi said this, and everyone was shocked again, the interest rate was actually lower than that of the pawnshop, and it was only a formal seizure of collateral, if this bank was opened, it would definitely be a great thing for the businessman.

"Not only that, the biggest feature of banks is not only lending, but also absorbing deposits."

Wu Zhi went on to explain: "If you put your belongings at home, you are always worried about being stolen, but if you deposit them in the bank, the bank will issue you a certificate and help you keep them. And...... Even if the bank is stolen, it is the responsibility of the bank, and you should have as much money as you want! ”

After speaking, Wu Zhi looked at Liu An meaningfully.

After everyone probably understood the concept of Wu Zhi's bank, they were constantly amazed, and said that it was really a money transaction, first absorbing deposits by helping others keep their property, and then lending to the outside world to earn interest, this means of making money is simply an empty glove white wolf!

is worthy of being a martial arts official, and only he can think of such a good money-making idea.

But everyone also knows that the idea of this bank, looking at the world, can only be done by military officials!

Because the military officials have strong financial resources and credibility, everyone is not only willing to put the money there, but also very relieved.

"Wu Daguan, I dare to ask, is this type of bank deposit just like the Jiaozipu in Sichuan at the beginning?" Someone below asked cautiously.

Don't blame him for being cautious, because Jiaozipu is already notorious in the business circle of the Great Song Dynasty, and he asks if Wu Zhi has no reasonable explanation, it will be demolished.

Dare to dismantle the platform of the military officials...... No wonder he was scared.

Wu Zhi didn't panic, he smiled and said, "Of course it's different!" Jiaozipu is because of the wanton and indiscriminate distribution of Jiaozi, which led to the decline. And the voucher of our bank deposit is a silver ticket, and I will give you as much silver ticket as you want to deposit with me, and I will never issue one more one, so there is no problem at all. ”

On the surface, the silver bills issued by Wuzhi Bank are only determined according to the copper coins in circulation, but Wuzhi did not say one thing, that is, the denomination of the silver bills is also determined by the bank, and in the future, the bank's reputation will be stable, and the silver bills of various denominations will be directly circulated, and people will no longer bother to go to the bank to exchange copper coins.

…… At that time, even if Wu Zhi prints more silver tickets, no one will know.

Of course, the people present naturally couldn't see that far, otherwise they would have been even more shocked by the significance of the bank, which holds the terrifying power of coinage.

Seeing that everyone had no doubts, Wu Zhi said loudly: "This time I announced the opening of a bank, firstly, I want to cooperate with everyone, I will take out a part of the dry shares, you can subscribe with your ability, and everyone will have money to earn together in the future." ”

As soon as Wu Zhi said this, everyone, including Wang Gang and Liu An, applauded and thanked them in unison, they are not fools, after listening to Wu Zhi's explanation, they can naturally foresee how profitable the bank is, and they will never let go of Wu Zhi's dry shares.

Although Wu Zhi only took out 10 percent of the dry shares, these shares were priced very high because these dry shares were highly profitable in the future.

"Everyone will come to me to register later, the stock price is not low!" Wu Zhi said with a smile.

"It should be, it should be!" Liu Anhe smiled, turned his head to look around again, and joked: "Everyone divides equally, and no one buys much!" ”

Wu Zhi smiled and continued: "This is to win everyone's cooperation, and secondly, I also hope that everyone can support the bank and deposit money in my bank in the future." After Wu Zhi said this, there was another wave of promises, and everyone said that they could trust Wu Daguan and would deposit the money in the bank.

“…… I promise to keep it for you, you can come and withdraw it at any time, and the interest on the money will not be low! ”

"What! Is there interest on saving money? ”

After Wu Zhi finished speaking, everyone was stunned for a while, especially those who were clamoring to buy shares just now, and their faces suddenly became a little subtle.

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