As long as you are not a fool, you can basically realize the problem.

If everyone saves money, saves it for a year, and then withdraws it, how will the bank pay the high interest? And how do they make money?

As a qualified landlord and old wealth, Qi Xiangyun is still very keen about this economic problem, he instantly realized that something was wrong with this money bank, and secretly smacked his tongue: "This money bank will not be a money fraud, right?" ”

The people in front listened to Qi Xiangyun's words, turned around and said with a smile: "Everyone thinks that something is wrong with this money bank, so although there are many onlookers and many people who are talking, but for a while, there don't seem to be many people who go in to save money, and everyone is very worried about the reputation of this Cheng Jin money village, what if they are cheating?" ”

"Yes, if you want to save money, it's more reliable to find those time-honored money banks." Qi Xiangyun nodded, and then he was a little moved: "But their interest is really eye-catching, if it's true...... That's basically a lot of money for nothing every year. ”

As soon as these words came out, several people next to them echoed them.

"Yes, I have a lot of money in my house, and it would be great if I could get interest."

"That's right, that's the truth."

"But the problem is, I'm afraid that this Cheng Jin Qian Zhuang is unreliable."

"What do they do to make a profit?" Qi Xiangyun opened his mouth and asked, this question is very critical, it can be said to be very important.

"According to the people of Cheng Jin Qian Zhuang, part of their business relies on lending, and more on Cheng Jin Chamber of Commerce to make money! In the past few months, the Cheng Jin Chamber of Commerce has made tens of millions of dollars by selling ice cubes! A person next to him said: "They also said that the funds raised this time will also be used by the commercial bank to invest in business, so they will give such a high interest." ”

"I'm a little moved, but I'm still a little worried, it's all my savings, it's better to lend to my family's hired farmers." Qi Xiangyun shook his head and said.

The landlord lent money to the hired peasants, which was nine out of thirteen, which was even more exaggerated than the highest interest rate of this Cheng Jin Qian Village.

The so-called "nine out" is not that the principal of the loan is nine, for example, if you borrow 10,000 yuan, this nine out will only give you 9,000, and the 1,000 deducted can be said to be the "handling fee"; Thirteen returns are due, and you have to pay back 13,000.

You know, as long as you sign a loan agreement, you will repay the money the next day.

The term of this loan is generally one month, or three months for a period, and the money must be repaid when it expires, otherwise it will never be able to repay under the rolling interest.

It was precisely by relying on this means of borrowing that the major landlords were able to smoothly annex the land and let countless hired peasants work for them for free.

Although Qi Xiangyun said this, he was actually a little moved, after all, how much money can be made by lending usury to farmers?

This group of peasants is already so poor that they don't have much oil and water to squeeze, and even if the interest rate on the loan is high, it can't be recovered, or if there is no one to lend, then they can't make money.

After hesitating, Qi Xiangyun asked his attendants to open the way in front and help him through the crowd.

Soon, Qi Xiangyun walked into Cheng Jinqian Village, I didn't know if I didn't come in, but when I came in, I found that there were already many people here to handle the business of saving money, one by one holding boxes or burdens, and holding their hands tightly, most of them were gold and silver treasures.

A person dressed like Qi Xiangyun, with four servants next to him, knew at a glance that he was very rich, if he walked into other money houses, someone would immediately greet him, and he would be entertained with good wine and tea, but when he came here, for a while, no one came to greet him!

What a faux pas!

Qi Xiangyun frowned, how can a distinguished guest like me be treated so contemptuously?

Qi Xiangyun felt insulted, he immediately grabbed a small servant before he spoke, but the scolding words turned into asking: "What kind of regulations do you have to save money here, and how to ensure safety?" ”

"Oops! Don't drag me! The little guy was pulled and said impatiently, "Don't you see someone queuing up over there?" You have to get the number first, and then find the counter to go through the procedures for depositing money, isn't there an announcement there? Are you illiterate? Check it out! ”

Being humiliated like this by a little guy, Qi Xiangyun was very annoyed, and just wanted to have a seizure, but was pushed away by someone on the side, "I've borrowed it, it's my turn to save money!" ”

"Huh? Brother Qi, are you here to save money too? This person recognized Qi Xiangyun and opened his mouth in surprise.

"Brother Shi, are you here to save money? How much is this going to save? When Qi Xiangyun saw Shi Yugui, he was stunned for a moment, and hurriedly asked.

"I don't save much, only ten catties of gold!" Shi Yugui said with a smile.

"So much?" Qi Xiangyun was a little surprised.

"Yes, only ten catties of gold, that is, 100,000 yuan, can enjoy the interest of one percent a year." Shi Yugui patiently explained: "There is an announcement over there, Brother Qi will know at a glance, I will go to save money first." ”

"Okay." Qi Xiangyun nodded helplessly.

Then he came to the place in line, glanced at the announcement posted by the bank, which had written the process of saving money, each step was written very clearly, next to this announcement, there was also a deposit description, some of the money to deposit, how much interest will be enjoyed, each piece of information has a detailed introduction.

Cheng Jin Qian Zhuang minimum deposit of 10,000 yuan.

There is also the difference between dead and alive.

Dead deposit is to stipulate a time, such as three months, such as one year, the most is three years, the longer you save, the more you save, the higher the interest you enjoy, but if you take it out halfway, the interest is equivalent to nothing, and it must be taken out when it expires.

The highest interest time is three years, and the highest interest deposit is 100 million yuan, a total of 50 percent, and you can get 250 million money after three years!

But if it is a live deposit, then the interest is very low, you can only enjoy the interest of three points a year, no matter how much money you save, it is all three points, but the advantage is that you can take it out at any time, and there is some interest.

But this interest is an addition, many people don't look down on it at all, but in fact, if you calculate it carefully, it is not too low, if you calculate it at 100 million yuan, it is 3 million yuan a year!

Thinking of this, Qi Xiangyun's eyes were slightly red, originally he thought that this Cheng Jin Qian Zhuang might be a scam, but now looking at this detailed deposit introduction, he inexplicably felt a little reliable......

Thinking of the arrogant attitude of the little guy towards himself just now, if he hadn't relied on it, he would never be so arrogant! Because it's someone else who comes and begs them to save money! It's not that they serve others! Arrogance is also understandable!

At this moment, Qi Xiangyun suddenly heard someone shouting at the counter: "The first batch of deposit figures is about to run out, a total of 150 million money, and there are still 50 million dollars in deposits, and no deposits will be accepted after the deposit, so we can only wait for the next batch of deposit numbers to come out!" It could be three months, or it could be half a year! ”

"What? Do you have a deposit limit? Qi Xiangyun was a little stunned, how could there be a money bank that didn't let people save money? At the same time, I can't believe that in such a short period of time, so many people have saved 100 million dollars?

Oh my God, are all these people's money blown by the wind? Are you really not afraid of being deceived?

"Otherwise, if we don't limit the deposit limit, wouldn't we have to pay a lot of interest? We are a commercial bank that uses money to make money, and the bigger the business, the more funds are needed, so we opened this money bank to give you a chance to make a fortune together! It was Ji Renyong, the shopkeeper of Cheng Jin Qian Village, who spoke with full of anger and confidence at the moment.

Shi Yugui, who had just said that he wanted to save ten catties of gold, immediately changed his words: "I will save twenty catties of gold, no, fifty catties!" I'll call for gold to come right away!" ”

Seeing this scene, Qi Xiangyun, who originally had some doubts, was completely red-eyed, and he was in a hurry!