Daming Town Haiwang

Chapter 362, the first deposit customer

Mr. Wang Shirui wanted to deposit money, and when he came, he came with more than a dozen carriages of money, which immediately alarmed Zhou Zhi, the president of the Beijing branch of the First Bank of Ming Dynasty, and he personally received Mr. Wang Shirui.

In the office of President Zhou Zhi, Zhou Zhi chatted enthusiastically with Wang Shirui and Wang Enyi.

"President Zhou, if you deposit money in your bank, can you really get interest?"

Wang Shirui took a sip of tea, which was the best West Lake Yuqian Longjing produced this year, put down his teacup, and thought for a while to ask.

"Mr. Wang, the First Bank of Ming Dynasty was founded by Mr. Liu Jin, Mr. Liu. He is this year's No. Yes, Mr. Liu has always attached great importance to the word credibility when doing business, and if you say it, you will nail it every time you spit it out."

"What's more, the big owners behind our Daming First Bank are today's emperor and His Royal Highness, so you don't have to worry about putting your money in our Daming First Bank. We will never lose you a penny of interest. When the deposit expires, We will also give the same amount of silver."

Zhou Zhi smiled and introduced the situation of the Daming First Bank to Wang Shirui. The meaning was very clear, that is, the Daming First Bank has a large background, strong strength, reputation-based, and will never break its promise.

"That's fine, that's fine~"

Wang Shirui smiled and nodded. He had already understood these things clearly, and now he was just asking to make sure.

"If you deposit [-] taels of silver, how much interest will you get in a year?"

"We have two types of deposits here. One is demand deposits. The interest rate is relatively low. It is only about 2.5% a year, that is, the annual interest is 250%. Interest."

"The advantage of demand deposits is that if you need to use silver, you can withdraw the principal at any time. We calculate the interest based on the date of deposit."

"The other is time deposits. The interest on time deposits is high, but if it is not due, you cannot withdraw the principal, and you can only withdraw interest every year."

"Fixed deposits are divided into three-year fixed deposits, five-year fixed deposits, and ten-year fixed deposits. The interest rate for three-year fixed deposits is 3.5%, which is [-]%. interest on silver."

"The five-year regular interest rate is 4%, that is, four per cent a year. The ten-year regular interest rate is the highest, with an interest rate of 4.8%. If you save 480 taels of silver a year, you can have [-] taels of silver a year."

Zhou Zhi was very patient, and introduced the deposit business in the bank to Mr. Wang Shirui in detail. This is the first deposit customer, and it seems that the amount of deposit will definitely be huge.

"The time deposit is only for ten years?"

"Is there a twenty-year or thirty-year kind?"

After hearing this, Mr. Wang Shirui frowned slightly. Ten years is too short. If he dies, his prodigal son will definitely lose all his family fortune.

"Uh...we don't have a fixed deposit project for a long time yet."

Zhou Zhi shook his head helplessly and said.

"Then if I want to deposit a time deposit for [-] years, I wonder if your Daming First Bank can do it, and how much interest will you give each year?"

Master Wang Shirui said very unwillingly.

"Thirty years, I can't decide this matter, I need to ask the higher authorities for instructions."

Zhou Zhi thought for a while and said, he didn't expect that this first customer would deposit money for thirty years. Aren't they afraid that the first bank of Ming Dynasty will go bankrupt and his money will be wasted?
"Well, then I'll wait here~"

Wang Shirui nodded in satisfaction.

He is a businessman, how can he not know that the interest rate is very low, if you spend [-] taels of silver to do business, it is a trivial matter to earn a few thousand taels of silver a year, and it is possible for someone who is capable to earn tens of thousands of taels of silver a year.

Stored in this bank, the interest is only a few hundred taels a year, which is really too low.

But he has no choice, he has few years to live, and he has nothing to do with his prodigal son. Once he leaves, the prodigal son who eats, drinks, prostitutes and gambles will soon lose his family fortune.

So if it is stored in the bank and there is interest every year, at least the whole family will not starve to death. When my grandson grows up, there may be hope.

He didn't leave the money to his son, but to his grandson. After several decades, he estimated that this prodigal son would grow old, and when his grandson grew up, the family business would be preserved.

Zhou Zhi left his office, but came back soon, and Liu Jin showed up on his own initiative. With Liu Jin around, everything was easy to talk about.

"Mr. Wang, I have just asked for instructions. Our bank is willing to accept your request and set up a 7-year time deposit for you alone. The annual interest can be 700%. If you deposit [-] taels of silver, you can get [-] taels a year. interest on silver."

Zhou Zhi said to Mr. Wang Shirui.

"Good~"

Wang Shirui nodded in satisfaction. This service attitude is still acceptable. After thinking about it, he asked again: "Is this time deposit not due, so the principal cannot be withdrawn?"

"Yes, the principal cannot be withdrawn until it is due, unless..."

Zhou Zhi nodded solemnly and said.

But he didn't finish his words, and Mr. Wang Shirui immediately realized that he still had something to say, but this prodigal son was next to him. If he knew that he could take it out before the expiration date, he would definitely lose it.

So he immediately said loudly: "Okay, I will save it for thirty years."

"Thank you, Mr. Wang for your support~"

When Zhou Zhi heard this, he immediately expressed his gratitude happily.

"Father, are you crazy, have you kept it for thirty years?"

"Thirty years in Hedong and thirty years in Hexi, in these thirty years, I might be buried in the ground."

Wang Enyi on the side was unhappy, and immediately said to Wang Shirui.

"If you're dead, I won't have to worry about it."

Mr. Wang cast him a cold look, and then said to Zhou Zhi: "I have saved three hundred thousand taels of silver~"

"Three hundred thousand taels!"

Zhou Zhi took a breath, he didn't expect the amount of this first deposit business to be so huge, and the deposit lasted for thirty years.

"Good~"

Zhou Zhi smiled and nodded.

Soon, Mr. Wang waved his hand, and his subordinates began to bring in boxes after boxes of silver. Zhou Zhi called someone over here, and began to weigh Mr. Wang's silver to distinguish its color.

These silver coins are accumulated by Mr. Wang's hard work in business all his life. The silver coins are all standard silver ingots, and the quality is quite good.

So quickly counted the number, three hundred thousand taels of silver, the number is correct.

"Mr. Wang, the amount is correct. This is the deposit agreement. Please read it over. If there is no problem, please sign and pledge. We will process the deposit for you."

Zhou Zhi took out an agreement. The content of the agreement was very simple. It was far from being as complicated as the agreements with various rules and regulations in later generations. It simply explained Mr. Wang's intention to make deposits. Daming First Bank accepts deposits. And promise to pay interest every year, and return the principal when it is due.

Mr. Wang Shirui read it carefully, and if there is no problem, he picked up a pen and signed it.

"Father, you should think about it clearly. This is a deposit for thirty years. If this money is left somewhere else, it is not our money."

Wang Enyi was determined to keep the old man for thirty years, and he was in a hurry.

Once the money is deposited, it will take thirty years to get it out, and he will have to drink the northwest wind for that little interest every year.

"Hmph~ Get out~"

Mr. Wang snorted coldly. Seeing this son, he signed the letter without hesitation and put the bet on it.

Seeing that the old man had finished signing and depositing, Zhou Zhi waved his hand, and his subordinates began to take away the old man's money.

Seeing the box after box of money being taken away, Mr. Wang was actually very empty in his heart, and was very afraid that the money would just disappear.

But looking at Wang Enyi at the side, he couldn't help but sigh again, such a prodigal son, if the money is left to him, he will definitely be ruined.

"Mr. Wang, this is your certificate of deposit. Every year this year, you or your descendants can come to us to collect interest with this certificate. After [-] years, with this certificate, you can come to get the deposit gold."

Zhou Zhi handed over an exquisite deposit slip to Mr. Wang Shirui. This deposit slip was also specially made, using the same paper and ink used to make bank notes. It also had various anti-counterfeiting techniques, and others simply copied it. No, and the deposits are reserved, so I'm not afraid of this.

The [-] taels of silver was exchanged for a piece of paper, and Mr. Wang carefully kept it, then thought for a while and said, "What should I do if this certificate of deposit is lost or obtained by an outsider?"

"Don't worry, even if this deposit certificate is lost, you or your descendants can use the identity certificate issued by the government to reissue a new certificate."

"Of course, for safety's sake, I suggest you set up a password. Only those who verify the password correctly will be given interest every year and will be reissued a deposit certificate. This will also prevent outsiders from trying to steal your wealth."

Zhou Zhi smiled and said, and then gave a suggestion.

"Okay, I will leave a secret word."

When Mr. Wang heard this, his eyes lit up slightly. This thought is very thoughtful. It is not enough to have a deposit certificate, you must also have a password, plus identity verification. Under these triple insurances, you can definitely guarantee your wealth. Only one's descendants can enjoy the Tao.

Even if an outsider got a deposit certificate, no secret words, and he is not his descendant, he would never get a penny from it.

Soon, Mr. Wang came to a small secret room, where there were the Four Treasures of the Study, and he wrote two sentences on a piece of paper. These two sentences were secret words, a means of secrecy in this era.

　What do you guys think is a good way to keep it secret?

　　
　
(End of this chapter)