After Shi Bufan sat down, he found that those other temples and Taoist temples and the commissioners sent by various quality banks were also talking to each other, obviously as if they were going to reach some offensive and defensive alliance to fight against Shi Bufan, a court official. Pen ~ fun ~ www.biquge.info because they subconsciously think that Shi Bufan is here to ask the teacher, because they use Shi Bufan's "invention" business model, and in turn compete with Shi Bufan to seize the market, so that Shi Bufan's money has appeared a big crisis. Therefore, they naturally thought that Shi Bufan was coming to Xingshi to ask for guilt, so they naturally wanted to reach an offensive and defensive alliance and strive to bring Shi Bufan back.

"Hahahaha, sure enough, wealth can be channeled, and even the old Shakya and the two families can come together in front of these things?" Shi Bufan was sarcastic.

The "commissioners" sent by those temples and Taoist temples suddenly turned red, originally there were many contradictions between such temples and Taoist temples, and the contradictions between believers were the most important. In particular, believers can bring a lot of wealth, as well as ideological dominion, which is also very important. So they have a lot of contradictions, but now that they have a way to make money, of course they have to maintain it together. Therefore, it is not that wealth can be used by God, but in the face of interests, these monks and Taoists can temporarily give up the past contradictions.

"This is a bad statement, we are also waiting for Ze to be born! My Buddha is compassionate, we just want to be able to help people who need money urgently to get through this difficult time, although my Buddha doesn't value money, but too many people in this world are forced to die because they don't have money. The so-called saving a life is better than creating a seven-level floating slaughter, my Buddha naturally does not want to see this, so I specially call on the majority of believers to help each other, through our temple to help each other, and my Buddha bestows some divine graces, so what? There was a bald head who said.

Shi Bufan has really seen shamelessness, or the first time he has seen such shamelessness, obviously he used the believer's money to make usury, and then said it as if he was doing a good deed. However, people originally relied on fooling and mixing rice to eat, so naturally they were here. However, Shi Bufan can't talk about them, because he doesn't have a deep understanding of Buddhism and Taoism, so he knows that he can't talk about them in terms of religion. In this case, it can only play to the strengths and avoid the weaknesses, and avoid talking more about religion.

"Well, I'm not going to talk any more nonsense with you. Don't worry, I'm not here to settle accounts with you. The so-called business talks, Miss Qin and I are here today to talk to you about some things. You should also know my relationship with Miss Qin. Of course, I only came here today as Miss Qin's spouse, not as a baron of the Tang Dynasty, nor as a Tang Wannian County Cheng, don't worry! Shi Bufan said.

Shi Bufan said this to reassure everyone that he did not have the idea of using power to oppress people. Especially he knows very well that the money in this world is not something that his family can earn, and if he really wants to make all the money in this world, then it must be him who dies. If the wealth of the world is concentrated in the hands of one person, then this is equivalent to "no money", the value of money lies in circulation, and there is no meaning if it is not circulated. And peers are often not only opponents, but also important partners. There is only one in a certain industry, although it seems to be a monopoly benefit, but in fact it is also an unhealthy industry. Only when a hundred flowers bloom is the real development of the industry.

But when those bald donkeys and cow noses in those temples and Taoist temples heard Shi Bufan's words, they were relieved. This time, Shi Bufan did not have the idea of using power to suppress people. Now in fact, they are also afraid of beating wolves, especially those temples and Taoist temples engaged in usury, often there is no great benefactor, no great benefactor, naturally there is no large amount of charity, and there is not enough charity to naturally support such a large family. They also put usury to feed people, otherwise if they hugged the thigh of a local tyrant, they naturally wouldn't be this kind of son without fart. Eye thing.

And they don't have a big benefactor, which naturally means that they don't have too many backers. Once Shi Bufan really uses power to oppress people, then their pressure is not small. That's why they chose to fight against Shi Bufan together, hoping to resist Shi Bufan, a baron of the Tang Dynasty, and he was also the parent official of half of Chang'an City.

Shi Bufan continued: "I also know everything about you. I'm not going to care about you doing business with our methods, but I want to tell you that your interest is too high. Thirty percent of the interest per year, then this one is definitely not a normal interest, you are doing this is death! ”

"Do you think that after you have given more interest to the depositor, you can pass that interest on to the borrower? But I tell you, the interest on your deposits is so high, then I am afraid that the interest on the loan will definitely be much higher at that time, who will you lend to at that time? According to your management methods and management methods, I estimate that if you want to maintain profits, you must set the interest at 50% per year, but do you know what this means? Fifty percent of the annual interest is definitely usury! ”

A bald donkey shook his head and said, "In the past, when we borrowed, which one didn't have an annual interest rate of eighty percent or even doubled?" ”

Shi Bufan hurriedly said: "But, did you refuse to borrow money when you were very desperate in the past?" If it's not a fatal time, and no one borrows? Is there a businessman who receives the loan? How many of the borrowers are ordinary people who have not encountered catastrophes? ”

"This ......"

Everyone is a little embarrassed, because in the past, the people who borrowed usury from them were often people who had no choice but to borrow, and they were also a group of people who were really sick or their relatives were sick, and this was the only way to borrow. In short, they will only borrow when they are very desperate, and they will not borrow at all. As for what to borrow to expand business operations, it is obviously impossible, because the annual interest rate is more than 80 percent, who is crazy to borrow?

"I know that when you do this, you often lend to people who are very difficult, and in the end they will easily incur all kinds of bad debts, and even if you kill them, you will not be able to get the money back. And then you have to lend it to the people behind you at a higher interest rate for the sake of the flat money, and this is a terrible process again. ”

"But you are doing this, but you are only bringing a group of broken families, even if you make money, do you think this money is too hot? However, you are willing to change the way you do business and reduce the interest rate, which I still agree with, which shows that you still have a good conscience, and you really deserve to be a monk, and you are compassionate! ”

After hearing Shi Bufan's praise, they felt a burst of joy that they used other people's money to make money, but they became compassionate.

However, Shi Bufan's next sentence made everyone have to pay attention to it.

"But have you ever heard of the saying that you go all out of your way to catch fish? If you borrow at such a high interest, this is tantamount to turning away many businessmen who originally wanted to borrow and want to borrow normally to expand their business. With such a high interest rate, are there businessmen willing to borrow? I have calculated that the average businessman's annual regular profit is only half to one or five percent, and it is difficult to exceed this figure no matter how much it is. ”

"And once you give them 30% of the annual interest, it means that they can get a high interest rate without doing business, which is simply more than they can get more than they can work hard for a year. So, why do they have to go so hard to do business? When the time comes, they will deposit all their money with you, and won't you have to pay interest on a large amount of money at that time? At that time, the interest on your deposits was so high, and the interest on borrowing was even higher without boundaries, what should you do at that time? At that time you will probably have to lend to those who are on the verge of ruin, but there is a high chance that they will not be able to repay the money. In addition, every time they borrow money, it is only a drop in the penny. At that time, there were few people who borrowed money and many people who saved money, so what did you do? ”

"Also, as you know, our Qin Clan's money bank borrows less than 20% of the interest every year. If you are smart, you can even borrow money from our Qin Clan's money bank, and then go and deposit it with you. At that time, what did you do? Even to the extreme, I can deposit all the money of our Qin Clan's money bank to you, what will you do? ”

The faces of those bald donkeys and ox noses really changed, because once they really said this, their high interest rate was to turn away most of the businessmen who wanted to borrow money to expand their business, but only those who were on the verge of despair would borrow. But where is the personal excuse, where is the borrowing of a merchant and an industry? It's like those big companies have tens of millions or hundreds of millions of excuses at a time, but an ordinary person's excuse of hundreds of thousands is already very good.

For an industry like a bank, where a lot of money is only digital, the hundreds of thousands of loans from ordinary people are just chicken ribs, and it is a pity to abandon them if they are tasteless. On the contrary, those big enterprises use hundreds of millions or even some billions of dollars, plus the investment of banks, so that the real profit point is the point. The small loans of ordinary people are only a supplement, and they are no longer the main profit point.

So what Shi Bufan said really made them feel frightened. drove away the big customers, but squeezed the small customers to the brink of despair. Even if the interest rate on the deposit is too high, it will make those businessmen not think about how to operate, and they will also deposit their money with them.

At that time, there was really a lot of money, at that time, they had a lot of deposits, and there were few borrowers, how could they operate normally, and how could they repay the interest of those depositors?

If so, they're really going to be finished. Although they rely on the advantages of religion, they also succeed and fail, and they rely on the big tree of religion, but they also know very well that China's so-called believers are very utilitarian, and those who believe in religion with utilitarian ideas are often not fanatical believers. Since they promised those believers to give the so-called "divine grace", but they could not give the "divine grace" at that time, then the consequences of this would be unbearable. The deeper the so-called love, the deeper the hurt, although they have used this means to develop more believers, but once the hope is dashed, not only can they not get the interest, but they will not even be able to get the capital back, then they will have a bitter hatred for this religion.

Utilitarian religion, once the utilitarian benefit is lost, the collapse of faith is certain.

"So, do you know the consequences of what you do? I won't say anything else, what are you going to do? Shi Bufan asked.

Those monks and Taoist priests stared dryly, as if there was no good way. If Shi Bufan really did something extreme, he would directly transfer all the money in his money to their temples and Taoist temples, so that they would really go bankrupt. You must know that the extraordinary Qin family's money village relies on the income of various fiefdoms of the Tang Dynasty, and the interest on this money is definitely not something they can take out in a short period of time. In doing so, they not only turn away large customers, but also force those small customers with poor repayment ability to death.

They hadn't thought too much about it before, they thought that if they wanted to grab business with Qin's Qianzhuang, the forerunner, the best way was to use high interest rates to collect savings, so as to collect everyone's money as soon as possible. It's a pity that they don't know the regular profit margins of other business industries, so they now finally know how stupid they are. At that time, those deposits will have to pay interest, so they will face a very huge pressure, and they can't afford to pay the interest, so the harem is unimaginable.

"So, I'm going to tell you now about our responsibilities as money banks. We can't just make money for the sake of making money, but to help the development of the industry. We borrow small amounts of money at low interest rates to farmers so that they can resume production and people's livelihood as soon as possible. And we lend to merchants at a suitable interest rate, so that they can expand their scale, and when the time comes, they will be more profitable to do business, and they will also be keen to expand under the pretext. Otherwise, the interest rate is too high, and they will not choose to borrow to expand. ”

"We want everyone to know that borrowing is not a dangerous thing, and it will not ruin families, so that everyone dares to borrow and dare to borrow to do business. And you have to remember that our main lending is to the merchants and industries, not the common people. And we have to support the business first, so that we can really make this pie bigger, and after the pie is bigger, we can all be late for more pies. Otherwise, if any of you come to snatch this small bread, then in the end everyone will have no bread to eat. Do you understand my reasoning? In the final analysis, it is a sentence, you can't fish with all your might. If you want more fish to eat, dig the pond bigger and feed more fish. (To be continued.) )