When Shi Bufan heard that Qin Jiarui wanted to stop cashing out the deposits of those merchants, Shi Bufan immediately refused. He www.biquge.info because he knows that the banking industry is essentially a debt operation, and this debt management actually relies on reputation. In fact, in essence, any bank in the world is in debt, but everyone is willing to believe that he can repay, so that it can be regarded as depositing money in the bank. But if one day the bank can't cash out the funds, at that time, not only will the people who have deposits not be in the same boat with you, they will definitely take advantage of this time to fall into the well and run hard. Human beings are selfish, and the vast majority of people are dead friends in times of crisis, and they only deposit money for the interest given by the bank, and they are not a kind of friendship, how can they trust you?

Therefore, the more dangerous it is, the more it is impossible to lose the credibility of the bank. Once it loses its credibility, no matter how large the bank once was, it will collapse completely in an instant. Therefore, Shi Bufan will definitely not let Qin Jiarui stop paying, once he stops paying, the consequences will be unimaginable. Although Qin Jiarui's bank currently has those deposits ordered by the imperial court, it does not mean that this kind of deposit can be permanent. Li Shimin is willing to temporarily replace the piano skills, although the condition is that Qin Jiarui is willing to restore the people's livelihood as soon as possible with a very low interest, if there is no such condition, then Li Shimin will not be willing to support Qin Jiarui.

How long this kind of backing can last, this time is not guaranteed. Shi Bufan is sure that once the livelihood of the people of Datang recovers, Li Shimin will not continue to support Qin Jiarui, which is bound to be unlucky.

Power is such a thing as something that can only be used, not relied upon. If you use your power well, you can grow rapidly. But once you rely on power, and in the end, once you lose the backing of power, you will definitely collapse faster than anyone else, even faster than those businessmen who rely on natural rising.

Although Shi Bufan knew that Li Shimin was currently helping Qin Jiarui's money bank, this was conditional, not unconditional. Therefore, Shi Bufan knew that he had to try his best to form self-hematopoiesis for Qian Zhuang, otherwise he would die next. But now that I have met a competitor, this is a headache.

"These temples and Taoist temples also have a quality bank, and since they learned about our method of absorbing deposits and then earning interest through loans, they have all learned the same. It's real, it's obviously a strategy you came up with, but they didn't even ask you, so they just learned to do it. Qin Jiarui said unhappily.

However, Shi Bufan did not scold those other peers, because he knew that the business model of his bank was actually just a conceptual problem, and once this concept pierced the window paper, there was no technology at all. Even if you learn a little bit of basic math, you can figure this out more clearly. Especially under the condition that the ancient financial environment is not complicated, it is not difficult to deal with this kind of bank if you find someone to learn mathematics for a year and a half.

So Shi Bufan didn't blame anyone, because this kind of complaining is useless, what can others do if they learn? Anyway, this is also a matter of business model, and you can't say anything about it.

"Husband, do you think this temple Taoist temple doesn't know what they're doing? They were originally a group of fat-brained guys, these people in the name of temples and Taoist temples, but behind them were doing the kind of usury business. They relied on the money from the pilgrims, which they used to lend to usury. There are even some temples and Taoist temples that can even force many people to death. However, now that they have changed their face, it is time for them to change your way from asking for alms directly from pilgrims in the past to our way of taking deposits. They even lend money to God in the name of it, so that God doesn't want their money, but only lends it temporarily, and then gives some so-called 'divine grace'. Originally, it was for believers to donate to the temple free of charge, but now it has been changed to just a temporary loan, and the 'god' returns the grace to the gods, so that a large number of believers suddenly send money to the temple and store it temporarily. Even, with this practice, they suddenly increased their number of believers a lot. “

Shi Bufan almost vomited blood, these monks and Taoists are so good at doing business. Although Shi Bufan also knows that the ancient temples and Taoist temples will also engage in some side jobs, such as putting in prints, money, usury or something. But their money often comes from fooling believers into giving money to "God", and they end up using it for usury.

But after these guys saw Qin Jiarui's business methods, they also changed their methods. From the mortgage and various loan sharks in the past, it has also been operated in the way of collecting savings and then earning interest on mortgages. In the past, believers were given free of charge, and believers were very hesitant. But now it is covered with a layer of skin lent to "God", and even God will take out some "divine grace" to compensate, these so-called "divine graces" are nothing more than the interest given by those temples, although it is different from Qin Jiarui's money bank, but the fact is essentially the same thing.

But this is amazing, originally there were many believers in their temples and Taoist temples, and now if they do this again, there will definitely be more believers. Shi Bufan actually has a certain understanding of Chinese religion, Chinese are essentially "utilitarian" religions, maybe many people go to worship Buddha and worship various so-called "gods", but these so-called believers are very utilitarian.

Often worshipping Guanyin is nothing more than asking for a son, asking for blessings for official promotions, and even asking God to "give" something. In fact, the Chinese believe in this kind of thing is full of "utilitarianism", they do not really believe in the so-called "doctrine", but more hope that this "god" can bless him with something. Of course, maybe some are material and some are immaterial. In short, they believe in religion more in the hope of something from God than in the true belief in this doctrine.

In this kind of universal utilitarian religion, what they call giving to God is nothing more than hoping that God can give him something, and in their bones they think it is just a "transaction". Of course, if it is given for free, it is also heartache. But now this kind of lending money to "God", and then God can also give "divine grace", so that for those believers who are already full of utilitarianism, it is simply an attraction that cannot be refused. In addition, those gods and sticks publicized a little, saying that people with a lot of savings can be reincarnated in a good family in the next life, or those who are ranked in the immortal class after death, that will definitely attract many believers to deposit. Anyway, it's just a deposit, and it's not gratuitous, and you can even get some so-called "divine grace", so who wouldn't do it!

"Good means, really good means, these temples and Taoist temples or something, this trick really attacks the death hole of ordinary people. It really attacks the essence of our Chinese religious beliefs, which are often utilitarian beliefs. If it is packaged in such a religious coat, even if the interest rate is very low, I am afraid that many people are willing to deposit. Anyway, there is no loss, so it is better to exchange it for 'merit', so that in the end, the merit is immeasurable, and you may go to a good family in the next life, or even rank in the immortal class after death. It's so good that it's almost invulnerable. ”

"I'm afraid that if it weren't for Qin Jiarui's money bank and the authority of the imperial court to endorse it, I'm afraid it would really be over. But I don't know how long the authority of the imperial court can last. This Qin Jiarui's money bank will be my treasury in the future, and I can't lose it! Shi Bufan thought.

Shi Bufan absolutely wants to keep this Qin Jiarui's bank, which can be said to be an important capital of Shi Bufan, not even just economic capital, but also an important capital in the future. Governing the country and managing the people's livelihood is nothing more than having money, and if there is no money, it is simply difficult for a person in power to cook without rice. As long as you have enough financial support, even if you don't take bribes, you can get a lot of political achievements. How did you get the political results? It's not money thrown out yet? If you don't have enough capital to support you, then even if you have a good idea, you will have more than enough power.

Therefore, this money bank is an important bargaining chip that can be used to create political achievements in the future officialdom, and an important political capital and economic capital. When necessary, it can be urgently dismantled and temporarily embezzled a part of the capital as a supplement, and then it can be returned for write-off. Don't look at this as just an emergency borrowing, but how many large enterprises and cities have fallen on the liquidity break?

Some seemingly huge enterprises will collapse in an instant due to the breakage of liquidity, and even a city may become a "bankrupt" city because of the breakage of liquidity. Therefore, with the emergency loan guarantee of a large amount of money, even if it is to be returned in the future, it is equivalent to an extra life, or even more than a life, which is an important bargaining chip to ensure that you will not go bankrupt.

Shi Bufan would not let Qin Jiarui's money bank go bankrupt, otherwise the consequences would be unimaginable.

"Those Taoist temples and temples and so on, how much interest do they give to depositors?" Shi Bufan asked.

Qin Jiarui said: "The annual interest rate is thirty percent!" ”

"Thirty percent a year, are they crazy?" Shi Bufan exclaimed.

Shi Bufan finally understood why so many people were crazy about withdrawing money, causing Qin Jiarui to feel huge pressure even if he had an endorsement from the imperial court's order. These grandsons are really ruthless enough, and the interest paid to depositors has reached 30% per year. This is definitely too high, even if it is forbidden to collect savings at such a high interest rate in later generations.

The annual interest rate of 30% means that the money is placed in those so-called temple vaults and does not have to do anything, and can also get 30% of the annual income. This one is insane. You must know that Shi Bufan studied macroeconomics in later generations, and he knew that the annual net profit margin of many industries was only less than 10 percent, and even some were only a few percent.

But if you stay like this, you can get 30% interest, which is definitely a risk-free high return. There will be a lot of harm in doing so, and such a high interest rate will be beneficial to depositors on the surface, and even many depositors will not be able to resist the temptation. Isn't it good to run the industry by yourself, and it is only 10% of the hard work in a year, but if you deposit into these temples, you can actually get 30% interest every year, and you don't have to spend energy to take care of it, and the risk is still very low, isn't it good?

"It's crazy, if it were me, I would definitely be tempted. Can't let them go on like this, otherwise the consequences will be unimaginable! Shi Bufan said.

Qin Jiarui asked, "Husband, what are you going to do?" Let the imperial court order a ban? Or do you threaten them? ”

Shi Bufan thought for a while and said, "You help me make an appointment with them, and let each temple, Taoist temple and quality warehouse each appoint a commissioner in the box of your Qinjia restaurant, and I will personally go to talk to them tomorrow." ”

"Of course, I won't threaten them with power, because in business, it's better not to get involved in power struggles easily. Otherwise, the consequences are unimaginable, so it is better to use daily business practices. Shi Bufan said.

Soon, Qin Jiarui took advantage of the fact that the sky was not completely dark and the curfew of Datang had not yet begun, so he asked people to quickly go to the Taoist temple of Xiangjia's temple to deliver a letter to the mechanical cow, and then asked them to appoint a commissioner to go to the Qinjia Restaurant tomorrow to meet with Shi Bufan.

The next day, the commissioners of the Taoist temples and the quality warehouse of the various temples also arrived in the Qin family's restaurant, and they obviously did not dare not give face to Shi Bufan, the man of Wupin County of the Tang Dynasty. Even Shi Bufan, as a county magistrate of Wannian County, manages half of Chang'an City, and is the parent official of half of Chang'an City, and they dare not give face. Otherwise, let the government officials make trouble twice in three days, even if they don't deliberately extort benefits, then if they go to make trouble every day, do they still need to do business? Therefore, the so-called harmony makes money, and they don't dare not give Shi Bufan face.

Of course, they were obviously prepared, thinking that Shi Bufan had come to them this time. This time, they directly used Shi Bufan's business model for Qin Jiarui, which changed the notorious loan shark in the past, and even many temples and Taoist temples complemented each other to develop many believers, which was simply benign training. Therefore, it is impossible for them to give up such a good development model, this kind of thing that makes money and has a good reputation, who doesn't do it!

They have agreed that if Shi Bufan dares to trouble them because of this, then they will deal with it together, advance and retreat together.

Soon, Shi Bufan came directly to the box of Qinjia Restaurant and said directly: "Everyone, I'm here!" ”

"Shixian is good!" The "commissioners" of each temple also greeted each other, but although they looked very polite, their eyes were full of defense. (To be continued.) )