Hu Changqi smiled and said: "This matter is simple, haven't we discussed it before? I will change the name of my family's silver village and hang it out, and I don't need to open a new store, wasting money in vain." ”

"And your father agreed?"

"It's not a cost, he won't disagree, it's just... Hu Changqi watched the people in the restaurant start to put the wine and food on the table, so he didn't continue.

"Master Wen, let's eat first, talk while eating. ”

Xiao Yue knew that he had something unspeakable, nodded and sat down at the dining table.

Xiaoyue drank tea, Hu Changqi drank, the two ate and chatted for a while.

After three rounds of drinking, Xiao Yue took the initiative to ask: "If you have anything else to say, just say it, I'm not the kind of person who likes to go around in circles, since we have decided to cooperate, you don't have to hide it, if you have difficulties, just say it, and everyone will solve it together." ”

Hu Changqi drank a little on his face, his face was slightly red, he let out a sigh, his tongue was a little curly, and he said slowly: "Wenyue, to be honest, actually... I cooperate with you, but also selfishly, I don't want to be said to be my father's son for the rest of my life, I want to make a name for myself, but... You know what? everybody looks down on me ... ”

"Where do you start?"

"Hey, you don't know... Wen Yue, although I am an adult, but no one listens to what I say at home, the first time my father listened to me seriously, was the last time I talked to you about the preparation of the money bank... They all said that I only knew how to eat, drink and have fun, and that I was stupid and not a business material. ”

"Since your father is on your side this time, what are you worried about?"

"My father wasn't exactly on my side, he said... He only gave me five hundred taels of silver, and if I could lend it out in a month, and I could receive the interest and the principal, I would be ready to fully support me in opening this bank. ”

"It's not hard, is it?"

"Why isn't it difficult? Wen Yue, it's easy to borrow money now, but you think, others must have an urgent need to borrow money, how can you return the capital to me so quickly, if someone else borrows it for three or five years to repay, then when will I and you officially open this money bank!"

Xiao Yue lowered her head and thought for a while, and asked, "How much interest did your father decide to charge?"

Hu Changqi said: "My father has calculated an account, and if there is no book and one profit, he thinks it is not cost-effective. ”

"One book and one profit? is to borrow five hundred taels of silver, and to take it back for one thousand taels of silver?"

"Yes, my father said that if this is not the case, the borrower should not lose money on disposing of his collateral if he does not pay it back. Moreover, this is not compound interest, it is considered a very low interest. ”

Xiaoyue did the math, if this is the case, the repayment will be divided into one year, and the monthly interest will only be eight percent per month, which is indeed not high.

She then asked, "Then if you deposit money in the bank, how much interest can he give?"

"This... Hu Changqi said with a sad face: "There has never been a situation where someone else put money in the bank, and my father doesn't know how much to pay." ”

Because the difference between deposit and loan interest rates is the only income of the bank, she did some mental calculations and said: "Since your father thinks that he wants a book with one interest, then the interest on the deposit can be given to a book with three points." That is to say, if someone else deposits five hundred taels of silver, we need to pay them fifteen taels of interest. ”

Hu Changqi said happily: "Then as soon as we come and go, we will make a net profit of four hundred and eighty-five taels of silver!"

"Yes, but if others can't afford to pay back a thousand taels of silver, we won't lose money at least. ”

"But how can others rest assured that they will keep their money with us? Who else will come to borrow money? How can I complete the task that my father gave me!" Hu Changqi, who had just jumped up happily, fell into trouble again.

Xiao Yue smiled and said, "Isn't this easy? Let's complete the task given by your father together." ”

"What do you mean?"

"How much money do you have?"

"Private money? I have... Hu Changqi suddenly looked at Xiao Yue very vigilantly, "Why are you asking this?"

"Hahaha, what are you worried about? I wasn't sent by your father to test you. Xiao Yue smiled and said, "Let's go do a business first, this requires capital." ”

"What business?"

Xiao Yue said in a low voice: "This is a secret, it's good if you know, don't spread it everywhere." ”

"Mm-hmm, I know, promise not to tell the public. Hu Changqi saw that she became serious, and he also became serious.

"When you first came, did you find that Jiang Shangyue Restaurant was full of guests?"

"Yes, I spent an extra hundred taels of silver to order this small courtyard. ”

"Well, let me tell you, when I first came, I overheard their shopkeeper say that they were going to expand. ”

"Expansion?

"Didn't you see that several of their shops in the neighborhood were closed and not open?"

Hu Changqi's eyes widened, and he suddenly realized, and said with a smile, "It turns out... You're saying they're going to buy the shops around?"

"That's right!"

However, Hu Changqi said a little discouraged: "What does this have to do with us?"

"Hey, you're so stupid, we can do it first! Let's buy all these shops first, and then sell them at a higher price, so that we won't make money." ”

"It's a bit simple to say!" Hu Changqi said with some embarrassment: "If we buy it, Jiang Shangyue will not expand... So what's the use of us holding these shops?"

"We don't sell it that expensive, they will definitely buy it!"

"But if we sell it cheaply and make only a little money, is it worth all the effort?"

Xiao Yue nodded, "Your account is clear, but if you toss it like this and complete the task given to you by your father, it won't be worth it." ”

"Ah?!" Hu Changqi never thought that the business of reselling the store would be related to his loan task again, "This... What does these two things have to do with each other?"

Xiao Yue smiled and said: "The whole thing should be like this, you first save your private money to the bank, and then lend all the money from the bank, go to buy the store, buy the store and then sell the store to Jiang Shangyue, and then return it to the money after you get the money, I estimate that you will make some private money." ”

Hu Changqi was dumbfounded when he heard this, "This... Is that okay?"

"Why not?"

"This is ... Shall I go back and ask my father?"

Xiao Yue couldn't help but laugh when she heard it, "Hahaha, don't ask your father about this, you are tantamount to cheating on the exam!"