Shen Jin really couldn't figure out how to lend a sum of money to two people.

In his concept, the borrower provides collateral, and they talk about giving the money to the borrower and then waiting for the interest to be collected.

Or, for various reasons, the borrower is unable to repay the debt.

Then, naturally, they will collect the collateral.

But no matter what, this money has to be lent out, and people can't borrow money and don't even give money to others, right?

If it weren't for King Zhu Han in front of him, Shen Jin would even suspect that he wanted to use his power to loot the people's fat and people's cream.

Not only Shen Jin, but even Liu Shenhong also had a ghostly expression.

The thoughts of these two guys were almost written on their faces, and it was difficult for Zhu Han to guess them.

He glared at the two of them viciously: "What do you two little bastards mean, this king is the kind of person who oppresses good people?"

Even if the two of them thought so in their hearts, in front of Zhu Han, they would never dare to admit it, and shook their heads at the same time.

"Don't dare!"

"Lord Wang, you are wise and talented, so you naturally disdain to do this kind of thing."

Zhu Han was very satisfied with the acquaintance of these two guys.

"Shen Jin, our Daming Bank has begun to absorb depositors' funds now, right?"

"Yes, my lord, with the endorsement of the imperial court, many people are willing to deposit the silver in our Daming Bank. At present, the savings in the whole country are about more than 10 million taels of silver. Speaking of business, Shen Jin also put away the appearance of a hippie smile.

"According to your orders, we haven't used any of this money."

This is Zhu Han's order, and what he is most afraid of when forming a bank is a run. Once depositors find out that they can't exchange real money, the bank's credibility can be ruined in an instant.

In order to avoid this kind of thing from happening, Zhu Han has already explained that they only need to absorb savings now, be familiar with all the processes of bank operations, and do not need to make a profit for the time being.

The money deposited into Daming Bank looks like a lot.

In fact, this more than 10 million taels of silver, if it is distributed to the entire Ming Dynasty, is simply pitiful.

After all, people who are really rich will not put their money in the bank.

Nowadays, there is a handling fee for depositing money.

The more you save, the more you pay. Most of the money they use is for the exchange business of some money banks.

And the largest number of ordinary people, that is, after the establishment of the Ming Dynasty, life is better than before.

I won't deposit the little money in my hand into the bank.

At present, Daming Bank has no interest on deposits, and those who deposit do not need handling fees for the time being.

Zhu Han frowned and thought for a while, then knocked lightly on the table: "Although it is a little unsatisfactory, the time is ripe now."

"Shen Jin, start today. Our Daming Bank officially absorbs deposits from the whole territory of Daming Huaxia. ”

"As long as you deposit money in my Daming Bank, you can get three percent interest per year. At least one penny of silver, you can open an account in my Daming Bank. ”

Shen Jin and Liu Shenhong are both blinded, shouldn't the prince be feverish and confused today?

When others deposit money in Daming Bank, they have to spend manpower and material resources to manage it, not to mention, they even have to pay interest to the person who deposited it.

"Lord Wang, this is too ...... Isn't that right? Shen Jin almost said the word stupid.

Fortunately, at the critical moment, he changed his words in time.

"Lord Wang, although the interest rate of these three percent is not much, it will still attract many people after all. At that time, more and more people will come to our Daming Bank to deposit. ”

Zhu Han bowed slightly: "That's right, this is the purpose of this king." This interest is to absorb deposits as much as possible. ”

……

The prince is really crazy, and Shen Jin is very worried in his heart.

Afraid that Zhu Han really didn't understand the key to this, he hurriedly explained: "Lord Wang, even if there is only two or three percent interest, if there are too many people who deposit, this interest will become an astronomical amount."

"And the prince can even accept a deposit of a penny of silver, in this case, the cost of our operating officer will become very high."

"Although the interest rate of our loan is higher, Lord Wang, you also said before that the interest on our Daming Bank loan is only one percent."

"Lord Wang, although the risk of lending is relatively small. However, that doesn't mean there are no risks. ”

"The purpose of our Daming Bank is to cover the entire Daming Huaxia territory, and the possibility of problems with such a big stall is too great."

"If we have to pay not only operating costs but also bad debts and losses due to various reasons every year......"

After a little hesitation, Shen Jinyi gritted his teeth and said: "Daming Bank is very likely to lose money."

"The news that the bank has lost money, the villain feels that it is almost impossible to hide. When the time comes, those big ones will inevitably withdraw their deposits to avoid losses. ”

"As long as those big players start withdrawing money, there will definitely be people who will follow suit. Once this situation spreads, leading to a run on the whole world, our Daming Bank will be completely finished. ”

Shen Jin didn't care if Zhu Han would be angry, he had injected too much effort into Daming Bank.

In any case, I don't want Daming Bank to be ruined because of Zhu Han's "incompetence".

Zhu Han was a little surprised, Shen Jin, this kid has a long-term vision, it seems that he seems to have underestimated this kid a little.

If he hadn't experienced it, the era of the information explosion in later generations.

I'm afraid it's really not as good as this guy.

"What you say makes sense, but as this king said just now, why do you think that Daming Bank will lose money?"

"In this world, it is true that any business is risky, but this bank is definitely one of the least risky businesses."

Seeing that Zhu Han didn't seem to be joking, Shen Jin gradually calmed down.

This Daming Bank started from scratch, and it was indeed all the idea of His Royal Highness the British King.

Many times, Shen Jin felt incredible, why did His Royal Highness have so many wonderful ideas.

It stands to reason that people who can come up with such a thing as a bank really can't be unaware of the risks, and they are also concerned about it, and they dare to doubt His Royal Highness.

"The villain really can't figure it out, so please ask the prince for advice."

Zhu Han said with a smile: "Do you know why this king does not hesitate to invest a huge amount of silver, and he must also open Daming Bank in every state capital of our Daming?"

"Back to the prince, the villain understands. If our Daming Bank is all over the place, it means that those businessmen can deposit and exchange anytime, anywhere in Daming. Shen Jin replied categorically.

"Before, those money banks, although they also had these businesses. However, for some reasons, those money banks can only be limited to a certain place or a few places, and it is not as convenient as our Daming Bank. ”

The reason for this, Shen Jin did not elaborate. To put it bluntly, it's just a conflict of interests.

Zhu Han bowed slightly: "Yes, if you can think of this, it can be seen that you are also attentive."

"Then let's assume another scenario, a businessman who is going to come to Yanjing to do business. In the past, his money needed to be handled by two banks, but now it only needs to go through our Daming Bank. ”

"And the businessman here in Yanjing happens to be going to Sichuan and Shu to do business, what will he do?"

"Lord Wang, if I were this businessman, I would naturally deposit this silver in Daming Bank and take it out when I arrived in Sichuan and Shu."

Zhu Han continued to ask: "What if this businessman from Sichuan and Shu happens to go to Yingtian to do business again?"

Shen Jin thought thoughtfully: "Lord Wang, what do you mean is that although this silver has turned around in our Daming, for us, this silver has actually been untouched in Yingtian."

"For these merchants, these are three pieces of silver, but in our case, all we need is this amount of silver."

"That's the principle of banknotes you talked about earlier."

Zhu Han shook his head: "Put aside the banknotes in advance, and we'll talk about the deposit and withdrawal of silver now."

"You're right about one thing, for those who save money, it's three pieces of silver. But in the process of operation, these three pieces of silver are only equivalent to one amount of silver, now you understand? ”

Such a simple truth, of course Shen Jin understands. The problem is that what His Royal Highness made him understand was obviously not such a straightforward thing.

This is how the money bank works now, which is not an unusual thing.

At least, there's no need to say anything about it.

Seeing Shen Jin's confused face, Zhu Han also realized that what he said seemed to be a little too profound.

He didn't realize that Shen Jin was incompetent. Not to mention the people of this era, even Zhu Han, a traverser, was stunned when he first learned how the bank operated.

Smiling slightly, he patiently explained, "Didn't you find out that they didn't actually use silver in the process."

Shen Jin's heart suddenly moved, and he vaguely seemed to have grasped some key. But if you think about it carefully, it seems to be separated by a layer of things, which you can't see or grasp.

can only continue to stare at Zhu Han with pitiful eyes, hoping that Zhu Han can solve his doubts.

He could even vaguely feel that what His Royal Highness was going to say next was absolutely incredible.

"Shen Jin, these merchants seem to be trading in silver. In fact, they didn't even touch a tael of silver the whole time. Therefore, what these people use is essentially the credibility of our Daming Bank. ”

"If the vast majority of businessmen in the country are using the deposit and exchange business of our Daming Bank. The money they are really using, in fact, is only a part, and most of it has been in our bank. ”

"Only in a few exceptional cases will they withdraw all this silver."

"Let me take the example of a merchant who has saved a hundred taels in a bank. Before the merchant withdrew the silver, in addition to the handling fee, the biggest benefit of the bank was to lend the silver and collect interest. ”

"And our Daming Bank ......" A smile crept up the corner of Zhu Han's mouth.

He inexplicably had a sense of excitement about opening Pandora's box.

"If a merchant has saved a hundred taels, most of the time he will only use part of it, such as twenty taels. At this time, we can give out eighty taels of it as a loan. ”

Zhu Han's statement seems to be no different from the money banks that Shen Jin said before.

But Shen Jin's eyes became brighter and brighter, his heartbeat was accelerating, and his mouth was dry.

He knew that the real point was coming.

Sure enough, I heard Zhu Han say again: "Let's count, the borrower is also a businessman, and he may borrow money because he likes some business and needs a temporary amount of money."

"Then, he won't withdraw all the money, because the people who do business with him also have business in our Daming Bank. Therefore, most of the silver in this is still in our Daming Bank. ”

Of the eighty taels, there are twenty taels, and this merchant will use them for other purposes. But there are sixty taels left, which we Daming Bank can use at will......"

Hiss......

Shen Jin gasped, and his pupils contracted violently.

Now, he can even clearly hear his own heartbeat like a drum. I don't know when, the sweat has soaked his clothes.

It turns out that this is what it means to lend a sum of money to two people.

Shen Jin even thought of more.

His Royal Highness, for example, deducted some of the money at the disposal of the depositors themselves.

But Shen Jin knew that when it came to actual operation, there was no need for this at all.

Because when a sum of money goes out, there will definitely be more money coming in.

As long as the bank can set aside a part of the funds, there is no problem with how many people they want to lend this hundred taels of silver.

No wonder, the prince wants to give interest to those who save money.

Because the more people who deposit money in Daming Bank, the more room for operation in it.

Those who save less money are also extremely important to the bank.

Because these people are really saving money, their money is likely to be put away for several years.

Even if the number of these people is small, it can't stand the number of them.

There are now more than 200 million people in the Ming Dynasty, and as long as everyone saves one penny of silver, it is more than 20 million taels.

With so much fixed silver reserves, there is no need to worry about thunderstorms.

When Zhu Han saw Shen Jin's appearance, he knew that he understood what he meant.

Approvingly: "This king calls this method a lever."

Shen Jin swallowed his saliva with difficulty, when Zhu Han set the interest on the loan of Daming Bank before, Shen Jin also sighed that his prince was too kind-hearted.

One cent, which is 10% interest. If it is made in the future generations, it will definitely make people scold to death the interest rate.

But in this day and age, it's the same as not paying interest.

Three points of profit, that belongs to the extremely conscientious.

Now Shen Jin understands that this Nima is even darker than a loan shark.

Those black-hearted loan sharks, even if the interest rate is set high, he can only lend a sum of money to one person.

On the side of Daming Bank, as long as the same amount of money is lent out a few more times, the interest charged is higher than that of loan sharks.

Lending usury lacks morality, and many people are cursed with white eyes.

And they ......

The people who find Daming Bank to borrow money will be grateful to them.

"This ...... It's ...... It's easier than grabbing money......"

Shen Jin was already shocked and incoherent.

As for Liu Shenhong, who listened to these with him, Mu Ne opened his mouth at this time and did not move.

(End of chapter)