Chapter 113: Healthy Competition

"So..."Chen Cao looked up at the two of them: "For loans to ordinary people, we must be preferential and lenient first." ”

Both of them looked at Chen Cao, and Chen Cao pointed at Shen Zhuangling: "You sit down, I say, you remember." ”

Shen Zhuangling hurriedly asked Mr. Bookkeeper to bring the four treasures of the study, and then picked up the pen and looked at Chen Cao.

"For the people, there are three kinds of agricultural loans, injury and illness loans, and commercial loans," Chen Cao felt that his mouth was dry, and he quickly picked up the tea and moistened his mouth: "Let's talk about agricultural loans first, the people come to take loans, and set a minimum of two taels and a maximum of ten taels from their economic capacity, and let them choose the repayment time freely, with a minimum of three months and a maximum of one and a half years;

The second is the injury and illness loan, according to their actual situation, the minimum is 2 taels, and the maximum is 20 taels, because of their situation, the repayment time can be preferred, and the longest can be repaid after three years;

The third is commercial loans, encouraging people to engage in business, with a minimum amount of five taels and a maximum of one hundred taels, and the repayment time can be arbitrary, you can choose to repay in installments or a lump sum; ”

Chen Cao remembers that when he was young, he always borrowed money from a certain platform to live a college life, and this model is not too clear: "The interest rate should also be preferential to the people, and it must not be high." ”

Shen Zhuangling looked up after writing: "Uncle, how to set the interest?" Three points? ”

Chen Cao shook his head: "In addition to commercial loans, the interest on agricultural loans and injury loans cannot exceed one cent. ”

"A penny?" Shen Zhuangling felt that she had misheard: "Uncle, you? ”

"You all heard it right, what I said is one cent of interest," Chen Cao knocked on the table: "This is the principle, you have to remember clearly, commercial loans, shall not exceed two cents of interest, and the specific interest shall be chosen according to their repayment time;

If you repay the loan in installments, the interest can be preferred, and if you repay the loan in a lump sum, the interest can be charged a little more, but it still must not exceed the interest standard I set. ”

Shen Zhuangling nodded, and then quickly wrote it down.

Chen Cao thought about it and added: "The people's life is already poor, and it is a last resort to borrow money, just like our funeral marriage, the bitter thing is that the straw mat is covered with a hasty burial, if it is those poor families, most people want to marry their daughters to rich people to be concubines, it is better than marrying the same poor people's bitter haha, so on, my Ming population has never been able to grow, there are fewer people, the economy will not go up, this is called the butterfly effect, so things have to start from the people's livelihood, Instead of being ambitious and bombastic at the beginning;

Loans involving the people, according to the model I said, so that the people can borrow, of course, you also have to do a good job of mortgage loans, if someone else borrows one or two, the market value of the things he mortgages is two taels, and the excess has to be returned to others, this is the rule, but also my bottom line, don't lose a large area of forest for some small profits, you may understand? ”

Shen Zhuangling hurriedly nodded: "The concubine understands." ”

"Well," Chen Cao knocked on the lid of the tea, and then continued: "The businessman's loan is the key, we have the resources, the amount of their loan is measured by the business they do, the specific amount is confirmed on the spot, the term of the mortgage can also be selected in installments or one-time, the longest shall not exceed three years, to leave enough time for the businessman to turn over funds, don't do anything to kill the chicken and take the eggs, their interest, the maximum shall not exceed three points..."

"The concubine wrote it down." Shen Zhuangling wrote quickly.

Chen Cao stood up as he spoke, and then said: "Five million taels of silver, if no one makes trouble, you can hold on for at least a month, when you take out the loan, you must do a good job of registration, Jinyiwei must cooperate, you do things, if you send people, you will select the right people from the family members of Dingwujun or Right Guard, and give all the things that make money to our people, so that some people can get rich first." ”

...

"What? No more than one point? ”

An honest farmer in Jinhe Village, south of the city, put down his hoe, looked up at his eldest son who came to report the news, and looked unbelievable: "A few days ago, Zhang Laoqi's family next door just took out a loan in the city. ”

The eldest son is also an honest person, and nodded again and again: "Dad, I can't read, but Liu Xiucai from the next village is also there, in order to catch up with the exam, their family is poor and sold their cattle, no, after Liu Xiucai read the notice to us, he borrowed five taels of silver in Daming Bank according to his identity, and agreed to repay it after three years, and the interest was only six cents... After three years, he only needs to pay back nine more pieces of silver..."

"Six cents?" Qin honestly opened his mouth wide: "Really? ”

"Really," the eldest son patted his leg: "The people in the bank said that he was a showman, recognized by the imperial court, and he couldn't run, so he could borrow at low interest and borrow with his identity, unlike ordinary people, who had to mortgage his land or house." ”

"In this case, we can also borrow at a low interest rate?" Qin asked honestly again.

The eldest son's face showed joy: "I went to ask the people at the bank and told me my intentions, and they said that if it is because of marrying, you can also borrow money, the interest is nine percent, and it will be repaid in two years, and you only need to pay back seven dollars and twenty wen more for four taels of silver, Dad, how cost-effective do you say?" ”

"So low?" Qin Laoshi immediately put down his hoe and waved his hand: "Go and get our family's land deed, borrow some money, and take care of your and the second child's family affairs, and repay the money after two years, go quickly." ”

"Holo..."

...

'Boom...'

Liu Kongzhao slapped the table vigorously, and then said angrily: "This is not malice? One cent of profit, if you continue to calculate it like this, how much does Lao Tzu have to lose? ”

The housekeeper lowered his body and said: "Uncle, now the people in the city who have learned the news, both inside and outside the city, have gone to Daming Bank to borrow, and the business is booming, especially the businessmen who just came to us to ask for loans a few days ago, all went to Daming Bank." ”

"Chen Cao, Chen Cao, you // mother's really good means." Liu Kongzhao has a heart for cannibalism, and after thinking about it, he instructed: "Find some local green skins to lend me money, if you don't give them, you will stink them." ”

The housekeeper's face was ugly, and Liu Kongzhao glared: "What, are you full and want to rest?" ”

The housekeeper hurriedly shook his hand: "Uncle doesn't know, after the villain learned about it, he discussed it with the shopkeepers, and thought of this method, but after looking for all the big and small gangs in Jinling City and the green skins on the streets, none of them dared to take this business." ”

"What?" Liu Kongzhao stood up and frowned: "Then go to the vicinity of Nanzhili to find it." ”

"Look," said the butler.

"Looking?" Liu Kongzhao walked up to the housekeeper and grabbed his collar: "What did you say?" ”

"The nearby gangs and Qingpi didn't dare to take over the business, and the villain inquired many times before he learned that they were only released by Jinyiwei from Nanzhen Fusi a few days before the opening of the Daming Bank." The butler was crying.

Liu Kongzhao was deflated at once, so it was obvious that Chen Cao had already come prepared, but it was impossible for so much business in his family to be gone, so he said viciously: "Let all the shopkeepers send their subordinates, innocent, and those who have land and real estate, to lend them all the money they want, and borrow until they collapse." Also, let people go to distant places in Songjiang Mansion to find people, and all of them came to borrow money, and if something happened, Uncle Ben was responsible. ”

"Yes..."

On the third day of business, the number of people queuing up at Daming Bank continued unabated.

Chen Cao walked into the living room with a smile on his face, looked at the various shopkeepers who came to report, and then listened to Shen Zhuangling's report.

"How's it going, how much money have you borrowed to get out?" Chen Cao asked with a smile.

Shen Zhuangling handed over the account book: "As of yesterday, one million taels have been loaned, the businessman has borrowed 700,000 taels, and the people have borrowed 300,000 taels. ”

"Well, the interest on merchants is less than three cents?" Chen Cao asked again.

Shen Zhuangling nodded: "Except for some businessmen who are full three points, the rest are all below three points." ”

"Good job, but there's a troublemaker?"

Zhao Xin stepped forward and said: "Uncle, it is reported that Liu Kongzhao sent people to the Nanzhili Prefecture Mansion to find someone to take over the business to maliciously take out a loan, and then no one answered, so they asked their subordinates to take a loan." ”

"Hahaha..."Chen Cao raised his head and laughed: "Liu Kongzhao is really stupid, doesn't he know that there are Wei Guogong and these people behind him?" Idiot... Let's see that he is arrogant, let him lend, borrow at will, I still like his money. Chen Cao laughed wickedly as he spoke.

...

"What? Repay the loan with a loan? Liu Kongzhao stood up.

The housekeeper nodded: "They have come up with a new project, I heard that for the time being, it is only for businessmen, yesterday the people of Jinling Cloth Bank took seven thousand taels to repay the money in advance, and the villain asked him, it turned out that he repaid the loan from Daming Bank, and the interest he gave was only two cents and four cents." ”

"Damn, you're going to settle it for them?" Liu Kongzhao asked.

The housekeeper nodded: "Uncle, our money bank is also a famous money bank, it is a business, and others come to repay the money, if we have to pay them back when it expires, won't we smash our own signboard?" ”

Liu Kongzhao reacted at this time: "What do you mean, they owe money to our family, and then they borrowed their money to repay our money first, our interest is high, their interest is low, calculate it, they earn?" ”

The housekeeper's expression was ugly: "That's it, after careful calculation, those merchants can save a lot of money during the turnover period, so they have borrowed money to repay our money first, and then slowly repay the money from Daming Bank." ”

"Whew..."Liu Kongzhao let out a long breath, and said with a gloomy face for a long time: "This is what you call healthy competition?" No conflict? Prepare the car, Ben Bo is going to go out. ”

"Yes..."