Chapter 32 Establishment of the Bank III

The father and son in the family looked at the people who left with embarrassed faces, and made a mocking voice of "haha".

Shopkeeper Chen hurriedly said: "Zhong'er, Ke'er, let's see what kind of conditions are needed for the loan, let's prepare, let's go to handle it early in the morning in seven days, and save the trouble." ”

"Yes, Daddy." The two brothers said with a smile.

"His Royal Highness the Crown Prince has really done me a great favor this time!"

A little more than one percent of the interest, and the more the amount of the loan, the lower the interest will be, such as Chen Ji silk's loan of 200,000 yuan, calculated, at most at that time, it will be a percent interest, a percent interest, for them don't care at all, 200,000 yuan will not take two years, they are afraid that they will be able to pay it back, as long as the store is still there, can continue to operate, 200,000 yuan is not too much for them.

Congbi lost everything, and it was much stronger to start from scratch, and I don't know what they would think if they knew that the glass matter was called by Li Shen this time.

However, it is just a willingness to fight and a willingness to suffer, and Li Shen did not force these to buy glass.

Preparing all the necessary things, seven days later, the father and son galloped towards the Dongshi Datang Hotel in Chang'an City.

Looking at the crowds of people lining up in front of them, the three Chen's father and son were slightly helpless, knowing that they would start queuing up yesterday.

Sitting at the counter of the bank, Li Shen looked at the merchants who came and smashed his tongue slightly.

As long as you bring the proof of assets, household registration, title deed and other items, after review, you can apply for a mortgage.

Fortunately, the reputation of the current people is very particular, otherwise Li Shen would not dare to release this money at will.

In one morning, more than one million yuan was lent out.

Most of them took real money, and a small number of people chose new currencies.

"Master, hello, this is our proof of assets, we want to borrow 200,000 yuan, do you think it's okay?" Chen Zhongyi asked slightly nervously.

"How much?" Changsun Chong stood up in disbelief and asked.

Chen Zhongyi looked at the eldest grandson chong standing there in disbelief, and hurriedly saluted, he still knew the eldest grandson chong, and said: "Chen Ji silk Chen Zhongyi has seen Lord Shaoqing. ”

"Chen Ji silk? This official seems to remember that your Chen Ji silk should not be bad for money! Why did you come to get a loan? Eldest Sun Chong asked.

Chen Zhongyi didn't expect to meet Changsun Chong here, and said helplessly: "More than a month ago, there was a large amount of glaze in Datang, and my father bought it, and wanted to bring it to Fanbang to sell, but I didn't expect that someone in Fanbang had already sold glass, and in the end, as long as it was sold at a low price, it had reached the point of desperation, if it wasn't for His Royal Highness the Crown Prince to open this bank and make loans to businessmen, it is estimated that the villain would go bankrupt." “

Changsun Chong smiled awkwardly, stretched out his hand to take the deed and other things handed over by Chen Zhongyi, looked at it casually, nodded slightly, handed the deed and other things to the staff, and said: "The loan is 200,000 yuan, the amount is not small, the official will guarantee you, how many years will it take to take a loan?" ”

"Thank you, eldest grandson Shaoqing." Chen Zhongyi saluted with a grateful face and said.

The eldest grandson shook his hand and said, "There is no need to do this, but the mortgage should still be mortgaged." ”

"This villain knows, the villain knows."

Chen Zhongyi followed: "The villain wants to take out a loan for five years, I don't know if it's possible?" ”

"In five years, the loan is 200,000 yuan, and the annual interest is 10%, how to repay it? Will it be returned on a monthly basis, or will it be returned all at once after five years? Eldest Sun Chong asked.

"Eldest Sun Shaoqing, please wait a minute." Chen Zhongyi said, turned his head, discussed in a low voice to his father who was standing aside, turned around, and said cautiously: "Eldest Sun Shaoqing, the villain wants to ask, 200,000 yuan will be returned in five years, 40,000 per year, if the villain is short of money in three years, this ...... At that time, if you can't repay it and the capital turnover can't be opened, can you continue to take out loans? Or is it a delayed return period? ”

"Well! Theoretically, yes, but you need to negotiate with the bank in advance about the date of delayed repayment, and you can continue to take out a loan, but the amount of the loan will be reestimated according to your family's property, and it will be a little more troublesome at that time. If the amount of the first loan is not repaid, the interest rate of the second loan will be much higher, and the bank will monitor your family's assets. Eldest Sun Chong explained lightly.

"The villain thanks the eldest grandson Shaoqing, the loan for five years, pay the interest to the bank every year, and repay it in one lump sum after five years." Chen Zhongyi saluted and said.

Changsun Chong nodded slightly, looked at the staff, and said, "Handle it for him!" ”

Facing Chen Zhongyi, he said, "Do you want new coins or copper coins, or silver?" ”

"The new coin and the copper coin are halved!"

"You know?" Li Shen smiled and looked at the eldest grandson Chong who sat down and asked.

Changsun Chong nodded slightly, and said: "A good business, very honest, there are silk villages everywhere, I didn't expect to be pitted by us, so I came on this road." Then he said: "Big brother, if it goes on like this, our funds can still be guaranteed!" It only took half a day to lend so much money, and I don't know how much the entire Datang will add up to by then. ”

"It's okay, there are many merchants in Chang'an City, and there is not much consumption in other places, and there are only a few people who really need loans, at most, all the money in the treasury will be released, isn't there still new currency to support! There shouldn't be any problems. Li Shen said lightly, and then said: "Give you economic books, you have to study carefully, in the future, the bank will be open to all the people, deposit and loan business." ”

"Big brother, I think I'm doing a good job of publicity, you better leave this errand to someone else!"

"For the time being, there are not enough people now, and the people in the court can't pull it out, so I have to let you share more." Li Shen said helplessly.

The position of the crown prince is only one step away from the emperor, but this step away prevents many things, at least those officials in the court cannot be used by him, let him arrange it at will.

Li Shen also knew that if he really arranged for officials to do things at will, His Majesty Li Er didn't know what he would think at that time.

"I can't tell my father."

Li Shen shook his head and said: "You don't know his temper, now you have a deep opinion of Gu, for fear that Gu will seek to seize his position, if you meddle in the affairs of the court at will, do you think Gu can have a better life?" ”