Yang Hongcai thought for a while and asked, "Where did the words come from?" ”

Feng Manlou said with a smile: "Have you thought about it, they have been in Yuhang for so many years, and they have firmly laid a foundation, what do they rely on?" ”

Yang Hongcai thought about it and shook her head again.

Feng Manlou said: "It must be money!" If you don't have money, you can't buy the officials in the capital, and if you can't buy the officials in the capital, you won't get the news. Without money, they can't win over so many people in Yuhang at all, and without so many people secretly helping, they can't stand in Yuhang at all! ”

In fact, there is one of the most important reasons, Feng Manlou did not say that since he has to deal with them now, this is a very good trick to draw salary!

If you don't get rid of their foundation, even if you find an alliance, they have a protective umbrella, you can't do anything about them, and you have set up such a powerful enemy for no reason, and you will suffer from it if you don't die when you fight snakes, Feng Manlou doesn't want to do such a thing.

In addition, there is another reason, these people use money to carry out economic blackmail against the industry, first of all, usury, many shops do business, even if they make money, but even if they make money, they are not even enough to repay the interest of usury, and the interest they set themselves, which is already frighteningly high. Just by virtue of this, how many people have been harmed. Moreover, in order to protect their own interests, they have raised a lot of ruffians and hooligans and thugs, and social order has also become chaotic.

This evil must be eliminated, and now the opportunity is in front of you!

Yang Hongcai thought for a while and said: "Compared with others, we are just a drop in the bucket, and there is only one money village in Yuhang, which is called Chase Money Village!" It's what they drive, how can we compete with them? ”

Feng Manlou said with a smile: "Think about it, how does Chase Money Bank operate?" ”

Yang Hongcai said: "Do you still need to think about this? When people deposit the money, they charge a storage fee of five cents a month, and the money deposited in it is taken out for usury, and the interest on the money is three hundred wen per month! Now that people are rich, how can we compare with them? ”

Feng Manlou said: "Usury is not a good thing, haven't you heard that printing money, turning over and over again, for several lifetimes, it is not over?" There is no need to say that he is in the industry, it is this Chase Money Bank, how many ordinary people in Yuhang have been ruined, if we take it, it can be regarded as a harm to Yuhang! ”

After all, Yang Hongcai is a businessman's daughter, not as great as Feng Manlou, she only cares about her own interests, after hearing this, she said: "This won't work, in case Datong Money Village is against us, we only go to our money bank to borrow money, and if we don't pay back the money, our money village can't last half a month at all!" Besides, the cost is really not much! ”

Feng Manlou asked, "How many?" ”

Yang Hongcai thought for a while and said: "Now there must be one store left, the rest of the shops have been sold, plus the existing copper coins, it should be almost 100,000 yuan!" ”

At this time, the price of rice is less than 600 yuan, even if there is 600 yuan, a load of rice is less than 120 catties in later generations, but it is not less than three or five catties, so calculated, it is equivalent to more than four to five yuan of rice in later generations. The cheapest rice in later generations cost eight cents a kilogram, and many rice were more than two yuan, and three yuan was countless, and if it was calculated according to two yuan, it was almost two and a half yuan copper coin, which was equivalent to one dollar in later generations.

100,000 is equivalent to 25 million in the future!

With 25 million, it is simply impossible to imagine wanting to open a bank! However, Feng Manlou has his own plans.

"What are you going to do?" Yang Hongcai asked.

Our money bank, not called a bank, is a bank, that is to say, not only copper money can be deposited, but even iron money, silver, and gold can be converted into proportional deposits, because we are engaged in gold and silver industry, so it is called a bank. This is also to distinguish it from the money bank!

As for the difference with the bank, there are mainly two aspects, the first is the deposit, we guarantee to the customers who come to the bank to deposit money, not only do not charge custody fees, but also give them the interest of the consistent money of ten cents every month, which is equivalent to one percent of the interest. And there is no limit to the denomination of our deposits, and we will also deposit them for a penny!

This is Feng Manlou's abacus, what Feng Manlou thinks is, in this way, there are at least two benefits, the first is to absorb the copper money in the society into the bank as much as possible. The second advantage is that over time, after everyone circulates through the bank's silver bills, the silver bills can completely replace copper coins, that is, the bank has the right to mint coins in disguise, and only needs to print a piece of paper, which can replace the function of money, and it also has purchasing power. It's a lucrative business.

At present, the finance of the entire Great Song Dynasty, the annual income is about 50 million, and it also includes the collection of grain taxes, cloth, etc., the finance of the Great Song Dynasty, the collection of taxes is not like that of later generations, all the money is collected, in addition to collecting money, agriculture is more about collecting grain! If you convert all of this into money, it's about 50 million yuan.

Feng Manlou is sure that if the development goes smoothly, in less than ten years, the bank will be able to dominate the financial industry of the Great Song Dynasty. The current Great Song Dynasty, because of the high degree of economic development, in the Khitan, overseas Yueben, Goryeo, as well as Annam, Siam and other places in the south, many places are using the copper coins of the Great Song Dynasty as legal tender, because they can't mint good copper coins, and the common people only recognize the copper coins of the Great Song Dynasty.

In the later period, this is also a reason why the economy and commerce of the Great Song Dynasty were very developed, even in the Southern Song Dynasty, the land area was one-third smaller, but the fiscal revenue was still higher than now, and more than in the Northern Song Dynasty. However, the country is relatively stable, which is also a reason for the development of commerce.

Regarding loans, Yang Hongcai also said just now that the loan interest of Chase Money is always the interest of 300 wen a month, which is a robbery, no different from robbery, but many people have to borrow money, no way, burn their eyebrows, take care of the front of them!

However, the interest on the bank's loan, the interest for one month, has always been only 35 yuan, which is equivalent to only 3.5 percent of the monthly interest, which is a world of difference compared with the 30 percent monthly interest of Chase Bank.

After Yang Hongcai listened, she hurriedly said: "No, no!" Our 100,000 yuan of money can't last for a few days, and it doesn't even have enough interest. The loan interest of Chase Bank is always 300 wen per month, and we charge 35 wen, which is too far away, even if we only charge 100 wen, it is considered very high. ”

Feng Manlou said: "If you think about it, the money we borrow must be easy to recover, and it is also the principle of voluntary consciousness, otherwise what is the difference between it and Chase Bank." ”

"As for the reason why you are worried that you won't be able to hold on for a few days, I think we can make a deposit first, first only deposit and not lend, no, don't say that we can take out a loan at all! If you think about it, everyone has heard that if you put your money in the bank, you can have interest recovery, and many people are still willing! You 100,000 yuan, you only need to pay interest, you can absorb 5 million yuan, what kind of concept is this, this is equivalent to one-tenth of the annual income of our Great Song Dynasty! ”

"When we absorb enough deposits, we will start to let out the wind, saying that we can take out loans, think about it, won't we start making money when the time comes!"

Speaking of which, Feng Manlou was also thirsty, drank a cup of tea, and moistened his throat.

But I heard Yang Hongcai say: "Our newly opened money bank, what if no one is willing to save money?" ”

Feng Manlou smiled: "This is how to advertise!" In this way, from today onwards, you will print tens of thousands of notices, of course, it is your own notice, and the yamen will not care about it, and walk out the news of the opening of the bank. Of course, only write a notice to save money! Your people, in the entire Yuhang City, are crowded places, and free notices are distributed to the people of Yuhang. At the same time, the streets and alleys can also be posted! ”

Feng Manlou is to ask people to advertise everywhere, anyway, there is no such thing as chengguan in this era, if it is in the future, dare to do this, chengguan will definitely be dispatched. But just like that, there are advertising papers flying all over the sky. But the Great Song Dynasty has not seen anyone distribute leaflets until now, is this an original creation of the Great Song Dynasty!

Yang Hongcai said worriedly: "What if it opens by then, and no one comes?" ”

Feng Manlou smiled: "Don't worry! Let's find a few supports! ”

After seeing this Feng Manlou, he already had a full idea, Yang Hongcai thought in his heart, first let everyone deposit the money, and there is also interest to send out, as long as it begins to establish a reputation, then the people who exist in Chase Money Bank will definitely take it out and deposit it in our bank, so that the deposit of Chase Bank will definitely be lost.

At the same time, it can be said that the copper money deposited by customers can be loaned out to other people, and those people can use these loans to repay the loan sharks of Chase Bank, so that Chase Bank may not be able to hold on for three or five months! You can monopolize the money business.

Thinking of this, Yang Hongcai seemed to see countless money coming in, and when the time came, he could finally explain to his father. The most important thing is to help Feng Manlou break the foundation of these bureaucrats in Yuhang, which can be regarded as helping him. Yang Hongcai finally made up her mind and decided to gamble!

Eventually, the two of them discussed it again and began to act.

Yang Hongcai said that he took the initiative to say goodbye to Fengmanlou today, but he still looked like he wanted to say something, but he had nothing to say.

Feng Manlou thought that Yang Hongcai would say a word or two of love words or something, but he didn't hear a word, and he couldn't help but be a little disappointed, could it be that this little lady has no feelings, or that she has no feelings for herself? But after thinking about those details, it doesn't look like it at all, could it be that what he did for himself was just because he was about to be the daughter-in-law of the Feng family?

Xiao Tao sent them to the door, and while Yang Hongcai was not paying attention, she quietly said to Feng Manlou: "Uncle, in fact, Miss likes you very much, and I say your name in my dreams every day!" It's just that she's shy and can't speak, so don't be surprised! ”

Feng Manlou thought to himself, it should be like this! hurriedly said: "Who is your uncle, can't you even see this!" ”

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