Just on the first day of business, Huitong Bank has absorbed as much as 2 million taels of savings, although the people who came to appreciate the face are high-ranking officials and giants, but it is undeniable that the success of the bank. Pen, fun, and www.biquge.info

The delicate abacus beat in Lin Yuejiao's fingertips, and the crackling sound told the joy in her heart. However, soon the sorrow was revealed between the eyebrows.

"Great Khan! As you said before, is it really achievable? Lin Yuejiao asked.

When Burhan first revealed the idea of the bank, he did talk about a lot of operating models that she had not heard of, although the success of the first day of accumulation had increased her confidence. However, she still had some doubts in her mind. Maybe today's success is just a face-saving experience?

Bourhan hugged her fragrant shoulder, kissed her lightly on the forehead, and said, "Don't worry! Everything will be fine! ”

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Ordinary people have a profit-seeking side, and it is easy to get together! Under the powerful propaganda offensive of Burhan and the appearance of Kali, Batu Bagan and others, there is also the unique personality charm of the Great Khan Burhan. The next day, Huitong Money Village opened again, and the scene was as good as yesterday, although there were obvious big customers coming to the door, but the gathering was also considerable.

At a Huitong money bank business outlet, the people are lining up in an orderly manner, most of them are Mongolians, they are waiting for the money bank to open for business, and they will ask for some interest on the excess money in their hands.

In recent years, with the victory of several foreign wars, and the gradual liberalization of the commercial and trade policy of the Hechi Ti Ministry. A large number of merchants from the Ming court intervened, and the herdsmen of the Hechiti tribe were able to sell their goods at their own doorstep. Under the premise of abundant food at present, it is not difficult for each family to accumulate a hundred or ten taels of silver.

At half of the hour (8 o'clock in the morning), the Qianzhuang outlets began to open, and soon an old man finished the business and came out happily. I saved a tael of silver, which is incomparable with others' 100 taels at every turn, I thought that people would not accept it, but I didn't expect the counter to handle it for him in person, and gave him a book. Over the past year, a little coffin book has been squeezed out of the teeth, all in this book, they call this a passbook, and it sounds appropriate. It's time to call your friends and ask them to save money too. The old man's wish that money could give birth to cubs was finally fulfilled in his generation......

To be honest, one or two pieces of silver are not enough for the cost of the passbook. (In order to prevent the loss of the passbook, the deposit was fraudulently claimed.) There is a black box in the passbook, and the contents of this box are the password of the passbook! It is entered with a special liquid. Without the help of special instruments, people cannot see the information inside, only with the use of prisms. Moreover, when withdrawing deposits, the ID card of the head of the household is required to support it to ensure the safety of the customer's deposit. However, if you come as a guest, you need to treat everyone equally, and you can't be despised because he has little money. It is this kind of service attitude that makes more people choose to trust Qianzhuang, and after a few days, the income is much more than the first day!

The money bank absorbed the idle funds in the hands of the people, so that the reserves needed for the issuance of treasure money were secured. However, as a profit-making institution, it is really not enough to rely solely on the fire consumption of naked silver exchange. Therefore, if you want to develop, you must expand your business, and what is more profitable is nothing more than loans.

By lending the money and monetary funds it collects, it can meet the needs of the society for supplementary funds for expanding reproduction and promote economic development. At the same time, the bank can also obtain loan interest income and increase its own accumulation.

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Recently, the life of the second child of the Yu family has not been easy. Since a few years ago, their Lao Yu family moved to Hechitibu, and the family is considered to be wealthy. Daddy Yu Laowan has been the chief of the Staff Institute for five years, and the eldest brother Yu Guo, who is even more outstanding in both craftsmanship and talent, has also become a craftsman and a real official. And the aftertaste of only a few coffins is not outstanding in the craftsman prison with many skilled craftsmen, and as for the cane, even the eldest brother is not qualified to enter, so he should not be delusional. Fortunately, there is also ancestral craftsmanship. In order to make a living, the aftertaste has developed the family heirloom carriage skills to the extreme.

In order to promote the development of science and technology, it is also to encourage people to invent and create, and study hard! The Ministry of Harmony has established a patent law to ensure that inventors have exclusive access to the results. Any entity other than the right holder can use the patent only if it is authorized by the right holder. Luckily, the carriage of Aftertaste was one of the first to receive a patent certificate issued by Burkand himself. With this certificate, it is illegal for someone else to imitate their own carriage.

Now, Yuwei has opened his own carriage and horse shop, and there are many people who come to order carriages, and his list can be lined up until next year, but he is not happy. Without him, the market is very big, really big, and every year the orders from the "Hechi Ti Imperial Court" alone are enough for him to be busy. I want to expand the scale, but I don't have enough craftsmen. Also, craftsmen in Hechiti are very popular, either forcibly recruited by the government, or hired by other commercial banks with high salaries, and the competition is particularly fierce. I heard that the craftsman has recently developed a hydraulic machine tool, and everything can be produced according to standard parts, which is probably the assembly line mode that the eldest brother said, right? Moreover, the Great Khan had already ordered its conversion to civilian use. The aftertaste is summed up, if you buy this kind of machine, you can save a lot of workers, and the production speed will be increased several times. It's just that this machine tool is too expensive, and it is a little difficult to buy the aftertaste.

After a while, I took the apprentices, and after a while, I did the carpentry work by myself, which was not in vain and night, just to be able to hurry up. His wife Meng Shi was quite distressed in her eyes, but complained:

"You don't know how to pity your body, if you continue like this, your body will collapse first." Yuwei ignored his wife's nagging and just buried his head in hard work.

Seeing that her husband didn't appreciate it, Meng Shi complained, "At the beginning, there was a businessman who wanted to charge you for that patent, and the price was 5,000 taels of silver, but later it rose to 10,000 taels, and you said that if you sell it, you don't have to work so hard." People don't want our things, and they don't have to contribute, they get 10,000 taels for nothing, let's open a coffin shop again, and the days are designated to be more idle than now! ”

"Shut up!" Meng's chatter annoyed the aftertaste, especially when she muttered the word "coffin" in her mouth. It was because he could only beat a good coffin that he couldn't gain a firm foothold in the craftsman's prison, and if it weren't for the help of his eldest brother, he wouldn't even be able to run this carriage and horse shop.

"You know what? Women's hair is long and knowledge is short! …… If the man is willing to offer 10,000 taels, then it proves that this thing is worth 10,000 taels, or even more! ”

As soon as the aftertaste was said, his wife Meng choked and said, "Hmph! Just be tough! In my opinion, the man was kicked in the head by a donkey, and he was willing to pay 10,000 taels of silver to buy a piece of paper. You didn't sell at that time, you already missed the village, you know? …… If it's really worth 10,000 taels of silver, okay! Isn't there a lot of people shouting on the street recently, can Huitong Bank get a mortgage? You will use that piece of paper to give the old lady a loan of 128,000 back, and let the old lady open her eyes! Aren't you always thinking about what machine tool to buy? With a loan, don't you have money to buy it? ”

Meng's agitation method really worked, and the aftertaste immediately turned out the patent certificate from the bottom of the box, flaunted it in his hand, and said, "Go and go!" See if Lao Tzu can use a piece of paper to get a loan of ten thousand eight silver, and when the money comes back, see how Lao Tzu cleans you up! ”

I wanted to use this trick to bluff Meng, but I didn't want Meng's to stand up to the wind today, with his hands on his waist, and he was extremely unconvinced, "Clean up, clean up!" As long as you can get the money back, the old lady will dispose of it with you! ”

The couple quarreled, but all these words were heard by the neighbors, and the aftertaste was difficult to ride a tiger, so they could only angrily take the patent and walk towards Huitong Bank, but behind them were a few good deeds!

Because of the anger, the aftertaste began to take a big step, so before I knew it, I was about to arrive at Huitong Bank. When he arrived at the door, the aftertaste calmed down, and he didn't have any bottom in his heart. Although the thing in his arms was given to him by the Great Khan himself, and it is true that someone has given him 10,000 taels of silver, is it still worth these silvers? The aftertaste is not clear, and I don't know if Qian Zhuang recognizes this thing. He had heard that the title deed of the house could be mortgaged, but he didn't know about the patent certificate.

The more you get to the door, the more hesitant the aftertaste becomes. I wanted to turn back a few times, even if I was scolded by my wife, but every time he found those sneaky people hiding in the shadows. Yu Wei thought to himself, being scolded by his mother-in-law is not a big problem, but if it is spread out, then what else will he do?

The aftertaste was to take three steps and take two steps back, and slowly walked to the door of the money bank, but was greeted by the clerk to go in.

"What business is this official going to handle?" The clerk had long since discovered that this person was behaving abnormally, fearful, and always holding his hands in his arms, he had seen a lot of such people. They are all from the countryside, and they want to save money but are afraid, and such people often have huge amounts of money. Qian Zhuang has just started, and like those small staff in later generations, collecting savings has become the top priority of the clerk's work, how can he be willing to let go of such a big customer?

The aftertaste was much more relaxed by the clerk's enthusiasm, and he responded, "I...... I want a loan. ”

"You want a loan? Please come here! Whether it is saving or lending, it is a kind of improvement to his performance, and the clerk is very happy to arrange the aftertaste to the counter to handle the business!

"This son! Let's Huitong Bank personal credit, an annual interest of a dime, that is to say, a tael of silver, a dime of interest (equivalent to 10% annual interest rate) needs to be paid a dime, if you think it is acceptable, then what do you use as collateral? Is it a property or a title deed? ”

Yu Wei thought about it in his heart, and it was much cheaper to get a loan in Qianzhuang than in the private sector. Today's Hechi Ti Department, private loans in the market are a bit outrageous, basically borrowing one to repay two, and lending three! Although after the establishment of Huitong Bank, Burhan ordered that the annual interest rate of private loans should not exceed 50% of the loan interest rate of the bank, otherwise the state will not recognize it and will not be protected by law. However, this is a new law after all, and it will take some time to implement it, at least for now, private usury still exists.

Seeing that Yuwei didn't answer, the teller asked again, "Childe?" What do you use as collateral? ”

"What mortgage?" The aftertaste hesitated again, should it be or not, can it be mortgaged by patents? After struggling for a while, Yuwei finally relented and took out the patent. Heart: Fight! It's a big deal to make people laugh at it!

Syllable! Aftertaste slapped the patent certificate on the counter. "Can this thing be used as collateral?"

"Patent certificate?" The teller recognized it at a glance. They usually only receive some real estate title deeds, as for those valuables, such as celebrity calligraphy and paintings, antiques, etc., they need to be personally checked by the treasurer, and this patent certificate needs to be even more so.

"Yes! Wait! "The teller took the certificate to the back hall, please evaluate it by the big shopkeeper!

"Shopkeeper! If someone wants to take out a loan, you need to give an appraisal for the items that can be pledged. ”

"Oh? Show me! "The big shopkeeper here is an old man who has followed Lin Yuejiao for many years, and he naturally has some insight to be the big shopkeeper of the bank. He took the patent certificate and immediately estimated its value. I also caught up with the aftertaste to be lucky, and it happened that the Great Khan Burhan and his mother were sitting here. The shopkeeper did not dare to trespass and presented the certificate to Burhan.

"This patent Ben Khan knows! The holder is Yu Wei, the younger brother of Yu Guo, the young eunuch of the craftsman, and this carriage is still their family's ancestral craft! At the beginning, it was given to him by Ben Khan himself, as evidence. Unexpectedly, he wanted to use this patent to take out a loan! So call in, Ben Khan wants to see him. ”

The Great Khan personally gave the order, and the aftertaste was soon invited to the back hall.

"The aftertaste of the small people knocks on the sweat! Knock on the mother! Aftertaste looked up at Burhan, who was sitting high. He was also the one who stood side by side with the Great Khan, but he was only a child at that time. But now, in just a few years, he has become the Great Khan of the Mongolian Hechiti Tribe, and he needs to be looked up to by the high Khan!

"Aftertaste! Ben Khan was surprised, why would you want to take a loan with a patent certificate? ”

At that time, the father and son of the Yu family were invited by Burhan from Ningxia Town at a great price. At that time, the Hechi Ti Department was in urgent need of these capable craftsmen. But the development trajectories of the three can be described as very different. His father, Yu Laowan, studied all his life, so he went to the staff to develop weapons; The boss Yu Guo, whether it is skill or personality, has helped him become a craftsman and a young eunuch; There was only the aftertaste of the second child, and at that time, he was focused on making the coffin. There was no choice but to be treated as an idler and removed from the craftsman's prison. The patent certificate in his hand was issued by Burhan himself, and others didn't know that his eldest brother did not contribute less, in order to let his younger brother have something to rely on!

In later generations, Burhan saw a lot of people who sat on the mountain, and the mortgage was no different from a pawn, so Burhan now has some taste in his heart.

Seeing that the Great Khan asked, Yu Wei reported what he thought to the Great Khan, but he didn't expect that after hearing it, Burhan would be "Longyan Dayue", and said with relief, "Okay!" You have this idea and mind, but you have lived up to your father's and brother's expectations! Then he asked the shopkeeper, "What price did you estimate for this patent certificate?" ”

The chief shopkeeper replied respectfully: "Return to the Great Khan!" The villain valued him at 10,000 taels, and according to the rules of our money village, he could only give him a loan of 8,000 taels. ”

"Hmm! ......" Burhan bowed his head and said nothing, as if he was thinking about something.

This patent certificate was issued by the Great Khan himself, and the Great Khan personally asked, did the Great Shopkeeper think it was estimated to be less? He stepped forward again and said, "The Great Khan knows this person, according to the villain's opinion, why don't you give it in full?" When the big shopkeeper said this, he was also tempting, and he didn't dare to make his own decisions.

Burhan waved his hand and said, "Rules are rules, even Ben Khan doesn't want to break them easily!" …… Eight thousand is eight thousand! Then he said to the aftertaste, "Since you have the heart to expand production capacity and purchase machinery." Ben Khan will order a thousand carriages from you now for a year, and pay you a deposit of 30% in advance, which can be regarded as Ben Khan's support for you! ”

"Huh?" The aftertaste reacted a little violently, and Burhan asked, "Ahh Don't you want to? ”

How dare he? Hurriedly shook his head and waved his hand and said, "No! Sweat! Villain... The villain is excited. "It's like pie in the sky, it's shocking and delightful.