Zhan Zhumen

Mu Yan wanted to stop Huo Xi from continuing, but seeing that she was talking happily, she didn't open her mouth, and listened intently, with the corners of her mouth raised.

After Huo Xi listed Mu Yan's three or four stingy things when he was young, he stopped talking.

"Based on the credit sales of Nanbei Merchant, I thought of some business ideas of the bank..."

"Ma'am, tell me." Gen Qi looked at her seriously.Mu Yan also looked at her.

The old money houses were the predecessors of the banks of the later generations. What they operated was to absorb gold and silver from depositors, and then lend them to those who needed them, making profits from the interest rate difference between deposits and loans.

The rise of the money bank is to solve the worries of carrying a large amount of gold and silver for the businessmen who go out to do business.

Nowadays, banks not only do not pay interest on deposits of silver by merchants and common people, but also charge storage fees.

"When accepting deposits, for local merchants, the interest of custody can be exempted or lower than before. In addition, especially for local traders, credit loans can be extended to them. Then, for local farmers, in spring and autumn every year, they are allowed to borrow money on credit to buy seeds at only [-]% interest. Every spring, local farmers are allowed to borrow grain and cloth to help them survive the spring famine.”

Gen Qi looked at Mu Yan after listening.

Mu Yan was also looking at Huo Xi.After a moment of silence, Fang opened his mouth, "Xi'er, the production in the field is the most uncontrollable. It depends on the sky for food, and they have nothing to grow. You can just borrow them to grow food, and repay the loan. I'm afraid it will be more difficult." Recover the owed silver."

And only charge one percent of the interest.

A profit of one cent is one hundredth.One hundred per month, the annual interest rate is twelve per hundred.The annual interest rate sounds a lot, but compared to the current short-term monthly interest rate of three to four per cent, or even four to five per cent, it is really too low.

In addition to worrying that it would be difficult to recover the owed money, Gen Qi was also worried that his peers would have opinions, "Madam, will this make other banks think that we are stealing business in disguise?"

Huo Xi shook his head, "We only charge one per cent for farmers, and we haven't broken the rules of the industry. Credit loans are provided to local traders, and other banks also have this business. It's not unconventional. I also got so much money for nothing. I think Do something for the son, and accumulate some blessings for the child in the womb."

Mu Yan and Gen Qi looked at Huo Xi's stomach at the same time.

Mu Yan's eyes were gentle, Gen Qi didn't dare to look too much, and hastily looked away.

"But madam, outsiders don't know that the Universal Bank belongs to the prince." How can everyone feel that the prince and his wife are doing these things for the people to benefit the people and business?

If it cannot be reflected, why bother to introduce these measures.

"It's okay. If you do it, you've done it. You don't need to talk to outsiders. You just have to have a clear conscience." Mu Yan kept his eyes on Huo Xi's stomach, and after he thought it through, he agreed with what Huo Xi said.

Seeing that his son agrees, and seeing that his wife is promising, Gen Qi nods in agreement.

Huo Xi smiled and comforted him: "North and North Merchant Bank sends silver to the Four Seas Bank every day for their balance, everyone knows it. Outside merchants know that even the prince trusts the Four Seas Bank, so naturally they will trust the Four Seas Bank. For the Four Seas Bank to launch later A series of measures to benefit the people, business and farmers will naturally be sought after. In the short term, we see that commodity houses and banks are giving up small profits, but in the long run, there will be more merchants. Although the profits are thin, they sell more. It will be less than before."

"Yes, my subordinates will keep in mind."

Two days later, at the goods inspection office of Nanbei Cargo Company, merchants made new discoveries when they paid for the goods at the check-in office and went to pick up the goods with the tickets.

Under the "Yi Shang" plaque inscribed by the emperor, there are two more plaques hanging up. One reads "It is better to pay for the waist than to let the customers suffer", and the other reads "Scale the level, the bucket is full, and the ruler is satisfied".The big characters are extremely eye-catching.

When the illiterate people asked, the buddy read it aloud to them enthusiastically, and all the listeners felt excited.

"This is good. Although my old lady can't read, she likes such simple and understandable words. I love to hear these two sentences!"

The shopkeepers were not allowed to inspect the goods one by one, and they were put in the basket, "No inspection, no inspection, the shop opened by Mrs. Shizi is praised by the emperor, and we ordinary people can buy with confidence."

After inquiring again, all the money that was cheated by Li Daitao before the dealer was recovered, the old lady and others clapped their hands with joy, thanking heaven and earth.

"Oh, that's great. I heard that Mrs. Shizi was cheated of so much money before, and I was so worried that I couldn't eat well or sleep well. I was always worried that the shop would not be able to continue and would be closed. This is great, don't worry I like it. I like to go to the North and South Merchant to pick and buy goods. Now I feel relieved."

Don't need the help of the buddy to carry it, waved again and again: "Don't you don't want you, I can carry it. I bought less today, and I will come again tomorrow."

"Okay, welcome to come again. My family is innocent, if you need anything, please let me know."

The old lady waved her hand, "Okay, we all trust Mrs. Shizi, if you don't have any orders, go home." She walked away briskly.

The story of Nanbei Merchant's recovery of the payment spread to every corner of the city within a day.

"I'll just say no problem. Who would dare to take away the prince's money? I heard that the prince has a private soldier of the guard. Where can he escape? He can be chased back from the ends of the earth."

It seems that the North-South Freight Company can continue to open.Some people are happy, some people are sad.Merchants whose business has been affected are getting more and more frowning.

Seeing that there was a loophole in the credit payment before, it made a lot of people think about it, but after hearing this, this kind of thought never dared to arise again.

He also quietly inquired: "Did Shizi catch those people? How did they deal with them?"

"I haven't heard of that. I only know that the money has been recovered. It's several million. If you are caught, you can't peel it off?"

Those who understand the law should quickly popularize it, "It's more than just peeling off a layer, but also killing with a stick or abandoning the market!"

They understand the stick killing, which means beating people to death with sticks. Some people don't understand abandoning the market, so some people help popularize it... It means executing in front of the people in the downtown area.The criminals were publicly executed in the street. On the one hand, the criminals were spurned by the public and would not be reborn, and on the other hand, it also served the purpose of warning the public.

After hearing the popularization, everyone shuddered.It's not enough to be executed quietly in the yamen in a cell, but to abandon the market!

"You said that the son caught someone, did he order the yamen to kill him or abandon the market?"

The people are eagerly discussing, and Mu Yan is also thinking about this issue.

A few days ago, he ordered people to close the net, and "Mei Weiling" and others were captured and held in one place, and they have not had time to deal with them in the future.

At that time, "Mei Weiling" and others sold the goods on credit inside and outside the customs. Because the goods of the North and South Freight Company were of excellent quality, they sold quite well.

In just two months, the value of a million taels of goods was doubled.But before they could enjoy it, they were captured by Mu Yan's men.Except for a small amount of money sold by them, most of them were confiscated.

In this way, more than 300 million taels of payment were obtained.

Huo Xi asked him to temporarily store the silver in the Four Seas Bank, which will be used for the construction of Yunnan in the future.

As for "Mei Weiling" and others...

"Leave it to the yamen, why worry about it." Seeing that he was troubled, Huo Xi said something.

The business of this dynasty was so developed that fraudsters emerged in an endless stream. Although Emperor Yongkang was a ruthless and decisive person, he could not stop the fraudulent behavior that took risks.

Only for those who steal and defraud people and money, extremely strict laws have been enacted, and there are even cruel methods such as abandoning the market, second only to Ling Chi.

"Before you said that you asked the bank to do some measures to benefit the people, farmers and businesses. You said it was to accumulate blessings for the children, and I also want to accumulate blessings for the children." So I haven't decided how to deal with them.He never considered these things before, he should be tortured, he should be killed.

But now that he found out that he had a weakness, he couldn't help but think a little more.