Since it's not, could it be that Feng Zhenyuan really wants to save money? But then again, Feng Zhenyuan is a celebrity in the capital and is very well-informed, and as a businessman, he can naturally understand the concept of a bank. Whether it is for the bank's dividends, or the concept, or the relationship between Comrade Li, it is reasonable to deposit money in the bank.

After thinking about it, Wei Hong didn't ink, and hurriedly returned the salute: "Yo, Boss Feng, I haven't seen you for a while." You come to save money, but you are the most valuable of the guests! Let's go into the bank first and wait, I will immediately send someone to inform Song Guogong, and send You Weiwei to your mansion to pick up some silver! ”

"Then it's hard work!" Feng Zhenyuan saluted again, and then entered the bank under the leadership of the good-looking saleswoman.

The bank has four parts, in addition to the business hall, the security room, the vault, and the last one is the VIP reception room. The VIP reception room is upstairs. The bank has a total of three floors, and the upper two floors are VIP reception rooms, which are specially used to receive big boss-level figures like Feng Zhenyuan.

Wei Hong informed Xiao Yu of the news that Feng Zhenyuan had come to deposit money, and Xiao Yu was very happy, and immediately sent someone to send an order to dispatch forty right guards from the military department to Feng Zhenyuan's mansion to get money. Later, Wei Hong discussed with Xiao Yu, and simply left these forty right guards behind to act as the bank's banknote security personnel.

When You Weiwei went to Feng's mansion to transport money, Wei Hong specially sent a more shrewd female salesman to introduce the bank's various credit businesses to Feng Zhenyuan. The bigger the boss, the more he needs to borrow, a big boss like Feng Zhenyuan, who often sells tens of thousands of hundreds of thousands of taels of silver, and sometimes the capital turnover is not good, then the bank will be his only pillar, and he will definitely be very interested.

Around the end of the evening, the heavily armed Right Weiwei transported Feng Zhenyuan's 400,000 taels of silver into the bank, and after counting and weighing, he registered and deposited them in the vault. Then Feng Zhenyuan's information was recorded in the bank's system, and then the passbook developed by Wei Hong in advance was sent to Feng Zhenyuan, so that Feng Zhenyuan could collect it, and the passbook was a voucher to withdraw money. In addition, he told Feng Zhenyuan that if the passbook was lost or destroyed, he must come to replace it in person. And when you withdraw money, you must also bring your passbook and come in person before you can withdraw it.

At first, Feng Zhenyuan was still a little vague about the mechanism of depositing and withdrawing money, but after getting the passbook and listening to a large number of explanations, Feng Zhenyuan was relieved.

The celebrity effect is very terrifying, and the fact that Feng Zhenyuan and Li Xiehe arranged for people to save a large amount of money quickly spread in the capital. The boss of Baoding, the largest tea merchant in the capital, also deposited 300,000 taels of silver, and the rest of the first-class merchants and second- and third-rate merchants also began to save money one after another. After the merchants, the common people also began to show signs of saving money, at first the number was still small, but as time went by, after half a month, the scale of saving money began to appear.

The first to save money were the wealthy households and landlords, and the amount of money saved varied, some saved a few thousand taels, and some saved a few hundred taels. After the rich households, there are ordinary people, and the amount of savings is not large, the most is only a few dozen taels, and the less is only a few hundred yuan.

The salesman was busy, but Wei Hong and Xiao Yu smiled, smiling very happily.

That night, the money in the treasury was counted, and then Xiao Yu and Wei Hong entered the palace overnight and reported to Comrade Lao Li. Xiao Yu took the slip and said sonorously: "Qi Qi Sheng, since the opening of Tianyou Bank, it has been twenty-six days. The total amount of money deposited by the local wealthy merchants, wealthy households, and all kinds of people amounted to 6,543,621,20965 yuan. ”

Although Comrade Lao Li lived in the palace all the time, he was quite well-informed, and he knew that the business of these banks was booming, but after hearing this amount, his jaw still dropped in shock. Comrade Lao Li's body trembled, and he said in disbelief: "In just twenty-six days, you have deposited so much money?!" This bank is really as Wei Hong said, it is really a money-making weapon! ”

Although Xiao Yu is also smiling, because he is not in business, his business acumen is a little closed, so there is still a trace of the bank's system. In front of Comrade Lao Li, Xiao Yu asked: "Although there is a lot of money deposited, according to the current speed of saving money, according to the interest, more than 100,000 taels of silver will be repaid every year just by repaying the interest." ”

Comrade Lao Li has been studying and pondering the banking system and already knows a lot about the bank's money-making methods, but he still waved his hand at Wei Hong and asked Wei Hong to answer.

Wei Hong said with a smile: "The bank is equivalent to a middleman, the people deposit money in the bank, and during the period when they do not withdraw money, the bank is in charge. Banks can solicit merchants to lend money and collect interest when they borrow money. Under normal circumstances, the interest is 5 percent, and 50,000 taels of silver will be charged every year for one million taels of silver. Wait for the merchant to return the principal and interest to the bank, and the bank will return the people's money to the people. These interest rate differentials in the middle become the bank's money. ”

Hearing this, Xiao Yu suddenly realized: "That is to say, borrow one million taels of silver to the merchant and earn 50,000 taels of interest every year." Then, after recovering the money, he returned one million taels to the people, and paid an additional three thousand taels of silver. Fifty thousand taels of silver will be deducted from three thousand taels of silver, and there are forty-seven thousand taels of silver left, and this money will become ours? ”

Wei Hong nodded noncommittally, and then whispered: "It's not ours, it's holy." ”

Xiao Yu was stunned for a moment, and hurriedly compensated Comrade Li: "Please atone for your sins, the old minister lost his words." ”

Comrade Lao Li was happy to make money, and he didn't care about these details, waved his hand, and motioned for Xiao Yu to be flat. Then he said to Wei Hong: "Wei Hong, when do you think you will be able to promote the bank to the entire Datang?" ”

Wei Hong said without hesitation: "For now, 'promotion' is not the primary consideration, and when the banks in the capital mature, promotion will come naturally." The immediate concern is how to distribute the money in the bank! ”

"Spread out?" Hearing this, Comrade Lao Li and Xiao Yu were stunned and puzzled.

Wei Hongyan said: "If the money is in the bank, it is dead money, and it will not increase by itself." The main purpose is to distribute it to merchants, and use the special surnames of merchants to spread money throughout the Tang Dynasty. Although the money is not in our hands, we can make money all the time and make profits for the bank. You only need to leave a certain amount of working capital in the bank in case you need it. The rest of the money should be lent out or invested in other transactions. ”

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PS: Went downstairs and bought two packs of cigarettes, ready to continue fighting. Brothers, don't lose your stamina!

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