Shen Jin spent half an hour digesting Zhu Han's words.

The things Zhu Han said simply opened a new door for him.

Before today, Shen Jin was actually a little conceited in his heart.

He is the son of Shen Wansan, the richest man in the Ming Dynasty, not because of how noble this identity is, but because of this identity, Shen Jin can learn a lot of business from his father.

It is true that he admires Zhu Han very much, but that is more in other aspects.

As for business, Shen Jin has always felt that the prince may not be much stronger than his father.

Until today, after listening to Zhu Han's leverage theory.

Shen Jin suddenly discovered that their law-abiding business in the past was simply weak, right?

Just when these people are still struggling to calculate profits, find ways to save a penny more in cost, or where they can make more money.

His Royal Highness the King of England made the Daming Bank, which has realized the dream of lying down and counting money.

Moreover, Shen Jin also thought of another point.

In the past, whether it was a money bank or a private loan, in fact, the most feared thing was bad debts.

After all, although there are collateral items, sometimes the collateral items may not actually be able to meet the debt.

However, if you use leverage, you don't need the problem of bad debts, and occasionally there are some bad debts, and you won't lose your capital, but just make a little less.

Before today, Shen Jin did not believe that there was a sure way to make money in this world.

But this Daming Bank......

Unless there is a personnel problem, or the day the Ming Dynasty overthrows, it is a sure win.

And now that the Ming Dynasty has only been established for a few years, it is already a prosperous scene, with a hero like Zhu Yuanzhang, a genius like Zhu Han, and a genius like Zhu Han, the king of England.

This money can be earned for at least several generations, if not dozens of generations.

After thoroughly figuring out the joints, Shen Jin breathed a long sigh of relief.

"Lord Wang...... Wise! Aside from this, Shen Jin really didn't know what to say.

I think I have hundreds of millions of taels of silver in my hands every day, and my business has been done to the extreme.

But I didn't expect that compared with the blueprint planned by His Royal Highness the King, I was a frog at the bottom of the well.

"It's just a bank, it's not worth mentioning." Zhu Han waved his hand indifferently.

This is just the most basic thing in the operation of a bank.

There are so many ways to play with such things as banks. Even through some means, the people of the whole world can be quietly exploited.

Zhu Han naturally wouldn't tell Shen Jin about these things.

Mostly.

There are many things, and Zhu Han himself knows a lot.

Anyway, the leverage thing is enough for the current daimyo.

Zhu Han retracted his thoughts that had drifted away for 108,000 miles, and said, "Shen Jin, listen well, the reason why this king is telling you this is to let you have a basic understanding of the development of Daming Bank. ”

"If you let the king know, you are using these things to do ......"

Before Zhu Han could finish speaking, Shen Jin hurriedly swore an oath: "The villain swears that he will never use Daming Bank to seek any personal gain for himself." But if the villain has any selfish motives, let the villain die of poverty. ”

This poisonous oath is indeed poisonous enough, and even Liu Shenhong can't help but look sideways.

Shen Jin's father, but Shen Wansan, the richest man in the Ming Dynasty, if this kid dies in poverty, doesn't it mean that his father will go bankrupt.

Zhu Han was silent for Shen Wansan for three seconds in his heart.

Why did he suddenly feel that this Shen Jin inexplicably had the temperament of a cheating father.

"There's no need to send any cities, you have been with this king for so long, you should understand that this king doesn't believe in this."

"Your surveillance has always been there, and I believe you should be aware of it."

"You've never said anything you shouldn't have said or done anything you shouldn't have done. That's a good point, and I hope you can keep it up. ”

Zhu Han's tone was very calm, but Shen Jin could feel the pressure like a mountain from his calm tone.

"The villain will never let the prince down."

To control talents, you can't blindly high-pressure. The combination of grace and power is the real way to control the subordinate: "You can rest assured, as long as you can do a good job in Daming Bank, this king will never treat you badly." ”

"At least, this king can keep you famous in history."

Shen Jin's face turned red with excitement, as a businessman, he really didn't dare to look forward to being able to go down in history.

Even if many businessmen leave some reputation, most of them are not a good name, and most of them will not end well.

is like Lü Buwei, who is a strange commodity.

And Zhu Han's assurance to him is obviously not like this.

"Thank you to the prince, the villain will definitely die for the prince." Shen Jin's voice trembled a little, as long as he hugged His Royal Highness's thigh, his future achievements would definitely be higher than his own father.

"Pretty words, don't say a few words." Zhu Han cleared his throat and said, "Now that you understand the meaning of leverage, then you should also understand that this leverage is not without risk at all." ”

"The money we lend out is real money to those who borrow money. Most of it, however, doesn't exist. ”

"As you said, we're just as scared of a run."

"Therefore, in order to ensure the stable operation of Daming Bank, this leverage must not be too much."

"Now, this king will draw a red line for you." Zhu Han slowly stretched out two fingers and shook them in front of Shen Jin, "Twenty times." ”

"No matter how sure you are, no matter how you judge the situation. This borrowing leverage is never allowed to exceed 20 times. ”

Shen Jin nodded solemnly, and said loudly: "The villain knows, no matter what the situation, he will definitely not exceed this red line." ”

Zhu Han looked at Shen Jin condescendingly: "What this king really means, you should understand." Don't play with words because of profit. ”

"This king really doesn't want to see the day when you play yourself to death by being smart."

"The villain understood what the prince meant, a sum of silver, no matter how many cross-accounts. The villain will not let this money be lent to the twenty-first person. ”

After assuring Zhu Han, Shen Jin put forward his thoughts again: "Lord Wang, the villain has a proposal, I don't know if it will work." ”

"Tell me about it." Zhu Han also became interested.

"Lord Wang, since we give interest to the people who save the money, it is so that they can deposit the money as much as possible in our Daming Bank."

"So, can we raise the interest rate and let people keep their money in our bank for a long time? For example, two years, or one year. In the process, no matter what happens, the money cannot be withdrawn. ”

In this case, there should be many people who keep their money in the bank for a long time for the sake of these interests. So will this money be able to relieve the pressure on the bank's capital operation? ”

Boy!

Zhu Han called a good guy.

is worthy of being Shen Wansan's son, and in some respects he is indeed shrewd.

So soon, I already thought of fixed deposits.

Although regular storage is nothing new, pawnshops in this era are actually doing business similar to regular storage.

But Shen Jin was able to think of this so quickly, which is still quite remarkable.

"That's a good idea......

Hearing Zhu Han say this, Shen Jin's face was immediately happy.

As a result, before he could laugh out loud, he heard Zhu Han say again: "However, we can't do this." ”

Shen Jin hurriedly asked: "Lord Wang, it's the villain who is not thoughtful, and I ask the Lord to punish him." ”

"Punish what." Zhu Han glared at Shen Jin, this kid was still playing with him. is obviously not convinced, but he wants to put on a sincere appearance of admitting his mistakes.

"Shen Jin, your idea is not wrong. However, you are thinking from the wrong angle. ”

"The most important thing for this king to establish Daming Bank is not to make money, but to serve our Daming people."

……

Liu Shenhong and Shen Jin rolled their eyes.

If you don't want to make money, you can think of this way of making money faster and easier than grabbing money, so if you really want to make money, won't you make all the money in the world by yourself?

They don't know if others believe it, and they don't believe either of them in a word anyway.

With the virtue of the two of them, how could Zhu Han not know what they were thinking.

Suppressing the urge to beat people, he patiently explained: "Whether it is a merchant or anyone else, after all, it is also my Ming people. ”

"Originally, when they were saving money, they might have more money on hand, so they didn't think about it so much, but they just felt that the interest rate was high and they saved it."

"As a result, when they need it, they find that they can't withdraw their money, what do you think they will think?"

Shen Jin frowned: "But Lord Wang, we have already negotiated these rules with them before they save money." And, I will definitely sign a contract, and I'm not afraid of them messing around. ”

Zhu Han shook his head: "Shen Jin, don't take it for granted. If it were you, your business would have failed and you were desperate, and you happened to have a sum of money in the bank. ”

"Is it because I signed a contract before, I don't want this life-saving money?"

Shen Jin was stunned for a moment, and then thought about it carefully.

Soon, he smiled bitterly and said: "Lord Wang, what you said is right, if I am desperate, I will definitely not care about any more contracts, and I will try my best to coax this money back." ”

"For the sake of this money, the bank will argue with the people who deposit the money for a long time, and it will definitely waste a lot of manpower and material resources."

"I'm sorry Lord Wang, I took it for granted. It seems that this regular business is indeed not suitable for development. ”

Zhu Han said angrily: "You stinky boy, why did you go from one extreme to the other?" ”

"What this king said is not clear enough? Daming Bank is to serve the people of Daming. ”

"The fixed deposit method you came up with, although it is not a small problem. However, it does benefit the people who save money. After all, in order for them to deposit for a long time, the interest will be given more. ”

"Then if there is a problem, it would be nice for us to find a way to solve it. You can save it on a regular basis, and the term starts from one year. If the person who saved the money did not withdraw the money within a year, everyone would be happy. ”

"If for some reason they want to withdraw early, there's no problem. You only need to apply to Daming Bank three days in advance. Moreover, once they want to withdraw their fixed deposits, even if it is just one tael or even one penny of silver, all the money deposited in the fixed term will no longer enjoy the fixed interest, but will be calculated according to the ordinary deposit interest. ”

"That's right!" Shen Jin slapped his head violently: "Damn, such a simple way, I didn't even think of it before." ”

After that, Shen Jin asked a lot of questions that he hadn't figured out before, until all his doubts were solved.

"If there is no problem, you can go to Zhang Fengnian and lend him this silver as soon as possible."

Zhang Fengnian's home.

Zhang Fengnian, who was originally high-spirited, was sighing at this time.

Although he also knew that it was impossible to do it.

However, watching this once-in-a-lifetime opportunity slip away from his eyes, he was still unwilling after all.

At this time, a family member suddenly walked in: "Master, there are people outside who ask to see." ”

Zhang Fengnian said weakly: "You go and tell them that I don't want to see anyone today." ”

But he didn't leave, but continued to explain, "But sir, they say they are. Daming ...... The people of Daming Bank can solve the things that you are most worried about now, sir. ”

"Oh?" Zhang Fengnian finally became interested: "Let's invite people to the lobby first, I'll go over in a while, master." ”

Zhang Fengnian washed up, and after coming to the lobby, he saw two gorgeously dressed people.

When the two saw Zhang Fengnian, they also hurriedly stood up to salute.

"Boss Zhang, I have been looking up for a long time, I took the liberty to disturb today, please don't be surprised."

As soon as you look at this person's dress and conversation, you know that he is not an ordinary person.

Zhang Fengnian also suppressed the irritability in his heart, and said with a strong fist: "If you have that little bit of thin name, I don't know what to call this benevolent brother?" ”

"Hahaha! Then the surname Yang, a single name and a strange word. Yang Qi smiled and introduced himself: "Next, it's the account manager of Daming Bank." ”

"The reason why I took the liberty to bother this time is because I heard that Boss Zhang seems to be a little short of money recently."

"Coincidentally, our Daming Bank has just started the loan business, and if Boss Zhang needs it, he can take out a loan in our Daming Bank."

Zhang Fengnian was not as happy as he imagined, but smiled faintly: "I see." ”

"The kindness of the two, Zhang Fengnian understands it."

"Although I don't know again, where did the two brothers come from, they know that I am short of money."

"However, the two sources of this news, I'm afraid there is something wrong. And now, there is no shortage of money. ”

As he spoke, Zhang Fengnian gently picked up the teacup and took a sip, and directly served the tea to the guests.

Yang Qi and the others were stunned, they didn't expect that Zhang Fengnian would react like this, and they didn't even want the money sent to the door.

Won't it ......

Think of the two of them as charlatans, right?

(End of chapter)