Early in the morning of the second day, Qin Miao left the Qin family and went to Taihe Commercial Bank, firstly, to summarize the bank assets of Taihe Commercial Bank in various parts of the Qin family, and secondly, to borrow a part of the silver money from Taihe Commercial Bank to make up for the shortage of cash and silver bills on hand.

When the shopkeeper Lu saw that it was Qin Miao, he enthusiastically let him into the back hall.

In addition to sorting out and exchanging the Qin family's silver assets in various places into silver tickets, the Qin family's cash money deposited in Taihe Commercial Bank was also converted into silver tickets, so that Qin Miao could carry them back to the Qin family.

After all, it is too troublesome to make a large box and a small box to pull back with a carriage, and the silver ticket of Taihe Commercial Bank can be said to be the world's exchange, which is basically no different from cash silver, and the large amount of buying and selling transactions will basically be in the form of silver tickets.

Otherwise, the two sides will not only use horse-drawn carts to deliver goods, but also use horse-drawn carriages to pull silver taels, which is not only inconvenient, but also too high-profile, and it is very easy to be targeted by thieves.

The silver ticket is very convenient to carry, the only disadvantage is that it is relatively easy to damage, and you have to often go to Taihe Commercial Bank to replace the new ticket, which is also the only inconvenience of the silver ticket.

After helping Qin Miao exchange the silver assets from various places and the local cash bank, the shopkeeper Lu said to Qin Miao with a smile: "It seems that your mansion has another big business to do!" It is unprecedented, and this business in your house is worth the sum of the past twenty or thirty years, right? ”

While counting the silver tickets in his hand, Qin Miao said with a sad face: "Although the business is big, it is difficult to make a profit!" Now the little money on hand is still not enough! After the shopkeeper Lu helped me summarize, it was only more than 8,000 taels, but the minimum investment required was also tens of thousands of taels, so it seems that I had to borrow some from the shopkeeper Lu! I just wonder if this profit is still the same as in the past? ”

While holding a pen and recording the silver taels that the Qin family had withdrawn from the trading house this time, the shopkeeper Lu asked Qin Miao seemingly casually: "Is this money!" It depends on how long Boss Qin has borrowed from us, I don't know how much Boss Qin plans to borrow from our bank this time, and how long will he borrow? ”

Qin Miao lowered his head and pondered for a while, he knew the meaning of Shopkeeper Lu's question.

The lending rules of Taihe Commercial Bank are 1,000 taels before lending, which is divided into long-term loans and short-term loans.

Long-term loans start in half a year, with a monthly interest of two cents, and more than half a year, with a three-month interest time limit, and a clear interest every year.

The short-term loan period is three months, and the monthly interest is three cents, and the interest is calculated in three months, and the accounts are cleared every three months.

The long-term loan starts in half a year, and whenever the borrowed bank capital is repaid back to Taihe Commercial Bank within half a year, it will receive six months of interest at two cents per month, and within nine months for more than half a year, it will receive nine months with two cents per month, and so on until the loan period expires for one year.

After one year, the current year's profit must be returned to Taihe Commercial Bank, if the profit is not returned to Taihe Commercial Bank on time, the principal and the calculated profit will be recovered.

The short-term loan is within three months must be returned to Taihe Commercial Bank with interest, and the interest will be calculated for three months, if it has not been returned for more than three months, Taihe Commercial Bank will calculate the interest according to the two short-term loans, and recover the principal and interest.

For example, if someone borrows a long-term loan of 1,000 taels from Taihe Commercial Bank, if the silver is returned within half a year, he needs to return the principal amount of 1,120 taels plus six months' interest of 120 taels, for a total of 1,120 taels.

After the expiration of the loan period of one year, the principal can not be repaid, but the interest of the current year of 242 must be returned to Taihe Commercial Bank within the year, and the interest will be calculated again in the second year based on the amount of the loan principal.

For the same 1,000 taels of silver, if it is a short-term loan, the principal amount of 1,000 taels and 3 months' interest of 90 taels must be returned within three months, totaling 1,000 taels and 90 taels.

Of course, all loans must be mortgaged, whether it is a house deed or a title deed, as long as the value can be clearly estimated.

But at this time, thinking of Qin Yuezong's instructions to him the night before, Qin Miao was still a little hesitant.

He really wanted to borrow a large amount of silver money from Taihe Commercial Bank for a short period of time, and make up as much as possible 20,000 taels, so that this batch of Yunsha who traded with Nanzhao could earn back another 20,000 taels for his Qin family.

But Qin Yuezong did not agree with his approach, because to borrow such a large sum of silver, the Qin family needed to mortgage all the house deeds and land deeds in the family to Taihe Commercial Bank.

It's okay if the money is overdue, if it can't be paid, even the Taihe Commercial Bank with the benefit of the family will go to your Qin family to collect the house and land.

It doesn't matter if you lose money or not, it is natural to repay the money when it is due, so there are advantages to borrowing in this way, but there are also great risks.

Just when Qin Miao was hesitating, Shopkeeper Lu said another sentence intentionally or unintentionally, I don't know if this sentence was said to Qin Miao or not, but it did make Qin Miao feel excited.

"Alas! Recently, the price of Jiangnan cloud yarn has dropped too much! The money in the hands of those cloud yarn bosses is enough, and now there are fewer and fewer people who come to our Taihe Commercial Bank to borrow, so that the profits have dropped recently, what else do we make if we continue like this? It's getting harder and harder to do business! ”

In one sentence, Qin Miao heard two important information, the first is the price reduction of Jiangnan Yunsha, it is said that this matter has not happened for a long time, and it is not surprising that a big merchant like Taihe Commercial Bank will get the news of the price reduction in the first time.

It is normal for the boss of Yunsha, who recently purchased goods from Jiangnan, to know this news, which proves that Shao Xi has indeed purchased Yunsha in Jiangnan recently, otherwise he would not be so clear about the news of Yunsha's price reduction.

The second is the news that the interest of Taihe Commercial Bank has declined, since the interest rate has been reduced, the interest paid by borrowing from Taihe Commercial Bank should be less than in the past.

In other words, the amount of money he can borrow from Taihe Commercial Bank is even larger, which is indeed good news for Qin Miao.

"Shopkeeper Lu just said that the interest of your bank's lending has declined, I don't know how to reduce it? Can you talk about it and listen to it? ”

Shopkeeper Lu didn't stop writing and drawing in his hand, he just raised his eyelids and glanced at Qin Miao, and shook his head helplessly, looking very reluctant.

"The interest on long-term loans has dropped to one and a half cents, and short-term loans have dropped even more than before, to two cents, and the time limit for short-term loans has been shortened to one month, that is, if even the principal and interest are repaid within a month, the interest will only be calculated according to one month, so few people have come to borrow."

Qin Miao's heart moved when he heard this, their Qin family was only a temporary turnover this time, if they borrowed from Taihe Commercial Bank, it would definitely be a short-term loan.

In the past, if you borrowed 10,000 taels, it was 300 taels of interest every month, and after three months, it was 900 taels, but now not only has the monthly interest been reduced to 200 taels, but as long as the principal and interest are settled within a month, you only need to return 200 taels.

That is, it is also only borrowed for a month, and the previous interest was 900 taels, but now it only needs 200 taels, which is a whole 700 taels in the middle.

If he only borrowed two thousand taels, he would only need forty taels of interest, which made Qin Miao a lot of entanglement.

At the moment, there is an opportunity to make a lot of money in front of him, and the difference between the profit earned by investing 10,000 taels and investing 20,000 taels is a full 10,000 taels.

If you only borrow 2,000 taels, you can save 140 taels of profit here in Taihe Commercial Bank than before, but if you borrow 10,000 taels, you can save a full 700 taels.

On the one hand, it is to make money, on the other hand, it is to save money, the amount is so huge, how not to make people excited?

Man is a very strange creature, when he finds that there is a advantage to take advantage of, he is often greedy and insufficiency, and always wants to take advantage of it on the basis of taking advantage, and it is often this kind of person who is unlucky.

After thinking about it in her heart, Qin Miao actually thought that wouldn't it be better if she could save a little more money? So he opened his mouth and made a request to the shopkeeper Lu that was extremely inconsistent with his identity at this time.

"Shopkeeper Lu, you see that my turnover only takes half a month, can I only borrow half a month from you? This profit is also calculated by half a month, you have said that the business of this loan is not good recently, and the amount of the next loan is not small, do you see if you can be accommodating? ”

What do you mean to be richer and stingy? Rich people often feel that their money is earned by their own ability and saved by their own careful calculations, so the words greed and stinginess are often accompanied by those so-called rich people.

I can't say that this is wrong, but if I calculate it to such an extent, I can only say that Qin Miao can pick the door.

The Qin family can be said to be a big business in Huaichang City, second to none, but now they are thinking about this loan, thinking that they can save more than 100 taels of silver by borrowing only half a month.

In all fairness, one hundred taels of silver is already a huge amount of money for many people, but for his Qin family, more than ten thousand taels of business have been done, do you need to be careful with these one hundred and eighty taels?

It can only be said that they have no money, and who can have it? In contrast, Shao Xi seems to be lavish, spending money like running water, and often uses the money in his hand to help some poor people who can't see the return at all.

But the strange thing is that Shao Xi's business is getting bigger and bigger, and he is making more and more money.

Maybe it's because of Shao Xi's good luck, but Shao Xi's definition of money also determines that he will definitely become richer, because in Shao Xi's eyes, money is just his slave, and in Qin Miao's eyes, money is his master, this is the difference between the two people in terms of pattern.

Shao Xi's unrequited behavior led him to make more friends, and his wealth was earned because of these friends.

And the Qin family's father and son only have interests in their eyes, no profit can not be early, no rabbit is not an eagle, and the interaction with people is only calculated by interests, even if such a person has a little wealth now, his fortune will not last long.

This truth can be said to be very clear as the shopkeeper of Taihe Commercial Bank, and the shopkeeper Lu is quite contemptuous of the Qin family's father and son in his heart.

It's just that business dealings make him have to have some dealings with the Qin family's father and son, so this time he cooperated with Shao Xi to bring down the Qin family, and the shopkeeper Lu didn't feel anything wrong in his heart.

"Half a month? Boss Qin, you are really calculating! ”