A few days after the end of the family banquet on Shangyuan Night.

Zhu Youzhen received an invitation.

Invitation to participate in the annual dividend meeting of Tianxia Tong Bank Beijing Branch.

Because the royal family is the largest customer of the Beijing branch, since there is going to be a dividend meeting, how can there be less customer representatives of the royal family.

"Why did you pay dividends so quickly?"

Zhu Youzhen was very surprised, the royal family opened an account in Tianxiatong Bank, which was opened in May last year, and successively absorbed a lot of deposits to participate in the royal family's fund-raising and wealth management projects, but even if it is counted from May, it has only been eight months, and it has not been a full year at all, why did it pay dividends so quickly?

"Your Majesty, in order to avoid confusion in the accounts, we plan to distribute dividends at the beginning of the year, sort out the accounts, and after the dividends are paid in advance, one can encourage customers' enthusiasm for saving money, and secondly, with this dividend in the hands of the royal family, it can also deal with some sudden withdrawal needs, and there is no need to often go to the bank counter to deal with it."

President Gu Tianci explained.

Of course, there is also a reason that it is difficult to say that the performance of the Beijing branch last year was very outstanding and made countless profits, so it is necessary to give a little sweetness to customers who have made large deposits to enhance their confidence and loyalty to Tianxiatong Bank.

"Ridiculous, the body of my son of heaven, how could I participate in the dividend meeting of the merchants, if it is spread out, it will not be shameful for the world, there is no need to mention this matter!"

Zhu Youjian said with a straight face, and immediately refused.

"Your Majesty, we have a separate room for supreme customers, and we will not be in the same room with other customers, to ensure that no one will see Your Majesty, and the royal family is the largest customer, even if Your Majesty does not go, we have to send a representative with weight, such as the queen mother, or Wang Chengen's father-in-law, after all, it is a deposit of 21.37 million silver dollars."

Gu Tianci said again.

"Which pot is not opened, which pot is mentioned! The queen is a woman, how can she show up at will? ”

Zhu Youzhen shook his head and found that all the people who came out of Xujiazhuang were simply not reliable, they didn't understand any taboos, they were all rude and rude, and they didn't learn and didn't know how to do it.

But if you continue to let Daban participate in the dividend conference as a representative, this will not work, because Wang Chengen has enough authority, and if he is entrusted with important tasks, he is afraid that he may become the next eunuch, and the lesson brought by Wei Zhongxian is already very profound.

What's more, the control of money should be in your own hands as much as possible.

After thinking about it, he said: "This dividend conference, I should take some time to participate in person, and you must help keep it confidential." ”

"Yes, Your Majesty!"

Gu Tianci nodded again and again.

……

On the 18th day of the first lunar month, at 2 o'clock in the afternoon.

Chongwenmen Street, Beijing Branch of Tianxiatong Bank, the annual dividend meeting was officially held.

All large customers with deposits of more than 50,000 silver dollars have received gilded invitations and are invited to attend the conference.

In order to prepare for this dividend conference, the Beijing branch not only prepared exquisite commemorative gifts, prepared drinks and delicacies, but also looked forward to lucky draws, including bicycles, gramophones, mechanical watches and other valuable prizes.

Therefore, even in order to get these gifts and prizes, all the major deposit customers have sent representatives to participate in this dividend conference.

Finally, a total of 367 customer representatives signed and registered in the conference hall on the fourth floor of the bank, plus the accompanying personnel, making the originally very empty conference hall extremely lively.

367?

Is this number true?

According to the threshold of 50,000 silver dollars for the minimum deposit, the minimum total deposit deposited by so many customers into Tianxiatong Bank is more than 18.35 million silver dollars.

Are there really so many rich people in the capital?

Yes, there is no problem with this data, there are indeed 367 wealthy people in the capital who have deposited at least 50,000 silver dollars into the Tianxia Bank.

And the actual number of rich people in the capital will only be much more than this number, most likely more than 1,000! Tianxiatong Bank has only successfully absorbed a small number of customers as customers, and there is still a lot of room for customer expansion.

……

Now.

On the fifth floor of the banking building, a room is reserved for exclusive customers.

The 368th customer representative, and the most important chief customer representative, Emperor Zhu Youzhen, seemed to be in the perspective of God, after seeing the staggered surveillance pictures displayed on the large screen in front of him and the assembly hall on the fourth floor, and seeing the faces of the customers.

Zhu Youzhen no longer feels magical, nor does he feel curious and excited.

I only felt intense disappointment and anger.

Because of the familiar faces, he thought he was holding his early dynasty conference.

Most of the customers who came to participate in this dividend conference were actually his courtiers.

Including Wen Tiren, the first assistant of the cabinet, Wu Zongda, and Qian Shisheng, university scholars, there were actually three of the six cabinet ministers.

There are also Li Changgeng, the secretary of the Ministry of Officials, Feng Ying, the secretary of the Criminal Department, and Zhou Shipu, the secretary of the Ministry of Industry - half of the six books also came.

As for other ministers and ministers, there were even more, and most of the customers in the venue were officials from the court and the central government - and usually in the court, they criticized Xu Jiazhuang very fiercely, and in private they all became customers of Tianxiatong Bank.

What Zhu Youzhen couldn't accept the most was that he thought that a few honest people, who thought that they could be trusted and reused, actually took out more than 50,000 silver dollars and became big customers of Tianxia Tong Bank, where did their money come from? Is it possible to save more than 50,000 silver dollars with their meager money?

"Duducicity, like a traitor! They are all greedy, hypocritical, and selfish people, and I have lost my eyes and misjudged these people! I am so stupid that I would think of relying on these people to promote Daming and solve the countless diseases and problems of Daming, I am really stupid. ”

Zhu Youzhen shook his head again and again, feeling heartbroken and extremely disappointed!

And at this moment, he really realized that he witnessed with his own eyes that the group of civil officials may indeed be unreliable, and they were still worried about the country and the people in the early dynasty, and they looked loyal and patriotic, and for the country and the people, but in the afternoon, they came to participate in the dividend meeting of Tianxia Tong Bank, all of them were full of red light and bright smiles, and they were looking forward to how much dividends they could get.

Two completely different faces, but they can switch so naturally, it simply makes Zhu Youzhen breathtaking.

I also feel extremely cold!

"Your Majesty~"

Empress Zhou, who was next to her, pulled his arm and comforted him: "There have always been many shameless literati and few loyal people, otherwise there will not be only one Qing official like Haigangfeng, but don't be sad and disappointed, there are still many loyal people in this world, such as more than 30,000 people who participated in fund-raising and financial management projects, most of them are credible people, with these people, Your Majesty does not have to be presumptuous, sigh and worry." ”

At this dividend conference, Zhu Youzhen originally planned to come alone, but Queen Zhou, who was in charge of the accounts, strongly asked to come over and have a look, and also wanted to participate in the dividend conference.

I didn't expect this woman in the world to play a big role, after her comfort, Zhu Youzhen's mood was obviously much better, he regained a certain amount of confidence, and even glad to participate in this dividend conference, otherwise he would not have seen so many people who know people and don't know their hearts at once.

……

Soon, the dividend meeting officially began.

The dividend rules of Tianxiatong Bank are also very simple, and dividends are paid in advance according to the regular interest rate.

If you only save for one year, you will receive a dividend at 1.5% interest.

If you have saved for two years, you will receive a dividend at 2% interest.

If you have saved for three years, you will receive dividends at 3% interest.

If you have saved for five years or more, you will receive dividends in advance at 5% interest.

Therefore, if the term of the deposit is short, the dividends received are very small.

If you save for a long period of time, you will get more dividends.

It all depends on the number of years you choose when you make a deposit.

As a result, after the dividends were just issued, those customers who only chose to deposit for one, two or three years were clamoring to extend the term of their deposits, and they had to change to long-term deposits for five years.

Then there's the lively raffle.

Until about four o'clock in the afternoon, the customers were satisfied, and left with dividends, gifts and prizes.

President Gu Tiancicai personally received Emperor Zhu Youzhen and Empress Zhou, and sent the deposit dividends belonging to the royal family.

"The interest dividend belonging to the royal family is 1,068,500 silver dollars, which can be pulled back to the palace by a carriage at any time, and an additional gramophone, three women's mechanical watches, and two new sewing machines can be given to the queen mother."

Gu Tianci solemnly handed over a dividend certificate.

"Not bad."

Zhu Youzhen stretched out his hand to take the certificate, nodded with satisfaction, and immediately asked: "Today's dividend has been paid in advance, so how should next year's dividend be calculated?" Is it still calculated according to the deposit base of 21.37 million? ”

Onigiri reads a book

"No, it will be calculated according to the total number of deposits next year, for example, the total deposits reach 25 million, multiply 25 million by 5%, if the total deposits increase to 30 million, it is 5% of 30 million, of course, after this year's dividends are issued, the deposits in the account shall not be less than 21.37 million, at least for a year, if you want to reduce, you have to wait until this time next year to operate."

Gu Tianci explained.

"Okay, I see."

Zhu Youzhen shook his head, originally he still wanted to drill loopholes, and before the annual dividend, he tried to increase the total amount of deposits and earn a high dividend, but now it seems that it will not work.

"President Gu, this dividend meeting of your bank, the deposit interest plus so many gifts and prizes, the total expenditure is probably not less than three million silver dollars, but I can't see how much profit is earned, the expenditure is so huge, if Tianxia Tong Bank has been unable to make ends meet for a long time, the profit is very small, what should we do with our deposits? Can I get my principal back? ”

Queen Zhou suddenly spoke, and had to raise a doubt in her heart.

Because she only seems to see the Tianxia Tong Bank crazy to spread money, although it has also absorbed a lot of deposits, but the deposits are fixed, and will not grow more grain like the grain in the field, and the Tianxia Tong Bank is so generous, the 5% interest dividend is taken out without blinking.

According to such a dividend method, wouldn't it be that after 20 years, all the principal will be paid dividends, and what will Tianxiatong Bank use to fill this big hole?

"Hahaha~"

For the queen's question, Gu Tianci laughed, thinking that this queen can be described as simple and cute, and she dared to underestimate the profitability of the bank and think that this industry is not profitable? Twenty years from now, there will be holes that can't be filled?

"Queen Mother, in the past year, our Beijing branch has absorbed hundreds of millions of silver dollars in deposits, lent 13 million silver dollars, and made a total profit of more than 15 million, with a gross profit margin of no less than 5%, so we don't have to worry about making ends meet." Gu Tianci said.

"Impossible!"

Zhu Youzhen immediately interjected: "You just lend out all the treasury silver, with an annual interest rate of 10%, and the profit is only about 10 million, where did you get 15 million?" ”

"Your Majesty, this is our trade secret, with all due respect, but rest assured, there is no lie below! If Your Majesty does not believe it, you can send someone into the vault every year to take stock and count whether there is more or less money in the treasury. Supervision and inspection are welcome at any time. ”

Gu Tianci said confidently, of course he would not say that in the service project of exchanging money for money, the Beijing branch earned more than seven million silver dollars.

Last year, the head office of Tianxiatong Bank, located in Harbour City, issued an additional 100 million silver dollars worth of light money to increase market liquidity, of which the Beijing branch received 5 million.

Combined, these two items are 12 million.

In addition, the Beijing branch has also invested in five real estate development projects, invested in the construction of 18 large-scale workshops, and invested in 37 gourmet catering projects.

Maybe in another 30 or 50 years, there may be smart people who have figured out the principles, but now they are in a state of confusion and incomprehension, and they can only watch Tianxia Tong Bank make countless real money.

Seeing Gu Tianci so assured.

Zhu Youzhen and Queen Zhou couldn't say anything more, nodded, and then left the bank, and today's fresh and novel experience also made them decide that it is necessary to participate in this dividend conference of Tianxiatong Bank every year in the future, not necessarily for dividends and gifts, but Xujiazhuang does have a lot worth learning, and should be observed from the inside.