Daughter of a noble family

Su Yunxi's business plan began to be implemented. First, there was a new bank in the capital. From the outside, this new bank is no different from others. However, there is a big difference in the bank, that is, the bank will give interest to the depositor instead of interest. If the interest rate is not high, it is better than none. There are monthly interest, quarterly interest, half year interest and annual interest. In short, the longer the deposit period, the higher the interest rate. If you do not have to deposit the time limit to withdraw the money, then only the principal, no interest.

Banks also offer loans, with interest rates ranging from two to four times higher than those on deposits. Even so, compared with the usury on the market, it is much cheaper.

The bank did not do any publicity, so quietly opened in the corner. When the first customer into the bank, it means that the bank's reputation slowly opened.

There is no interest for saving money in a bank. On the contrary, the bank gives interest to the depositor. This has never happened before. For a moment, the reputation of the bank was spread. Many people go to the bank every day, and they don't save money. Most of them are curious. The clerk of the bank doesn't rush people, just look at them casually, as long as they don't damage the seats and ornaments in the shop.

Soon, the reputation of Tongda bank spread out, which makes people want to know.

Song Yuke didn't expect that Su Yunxi did this business. After returning to the palace, he asked about it. Su Yunxi said with a smile, "does Ziyu feel strange?"

Song Yuke nodded, "of course."

Su Yunxi said with a smile, "has Ziyu ever thought about why people would rather put money at home and bury it under the bed than take it out and put it in the bank. It's safer to put it in the bank, isn't it? At least if the amount of money goes wrong, the bank will pay in full. But people still can't accept that money is stored in banks. In the final analysis, it is the interest problem. For example, I give the money to Ziyu. You take the money to invest in business and make a lot of money. Under such circumstances, not only can I not get the interest of a penny, but I want to give you interest. If you are Ziyu, would you like to put the money in the bank? When people save money to the bank, the bank should not only take care of the money, but also have the responsibility to let the people have a lot of money, and it is better to have some income. Only in this way can we be willing to take out the money buried under the bed and put it into the bank. The banks have enough money to lend to merchants to promote their development, so that more people can get job opportunities and more families can be healthy and rich. Ziyu, silver needs to be circulated. The faster it circulates, the healthier it will be, which means that people's lives will be better. "

Song Yuke frowned and thought deeply. There were many problems.

Su Yunxi said with a smile, "Ziyu doesn't think that the amount of money is fixed. The more money flows to the rich, the poorer the poor."

Song Yuke frowned, "isn't it?"

Su Yunxi said with a smile: "of course not. Ziyu thought about it carefully. What was the price and how much gold and silver were in circulation in the market at that time? Now, what is the price and how much gold and silver are in circulation. Just make a simple comparison, it is clear that the money on the market has been increasing. There are many ways to increase, such as mining gold and silver mines, such as bringing gold and silver back to China through overseas trade. Either way, gold and silver are increased. While the wealth of businessmen is increasing, the common people can also get some leftovers. So it's kind of cruel. But the fact is that the more developed the business, the better the life of the people. The easier it is to find work. In such a place, has Ziyu ever heard the rumor of starvation? There are often natural and man-made disasters, places where people starve to death, places where there are refugees, and places that are poor and backward, and where business is depressed. If Ziyu doesn't believe it, he can go to the historical records of this dynasty. I believe there will be an accurate answer on that

"Why?" Song Yuke frowned and asked.

Su Yunxi said with a smile, "where the business is developed, everyone's life is better. Even in the face of natural and man-made disasters, the people also have the ability to save themselves. Even if they can't help themselves, the rich will give money to help. The more wealthy, the more materials they can collect and the more people who can live. And after the disaster, it is easier for victims to find jobs. As long as there is work, there will be wages. In this way, how can anyone starve to death. In the poor areas, not to mention the lack of rich families and the lack of relief materials that can be raised, the common people can not support their families if they want to find a place to live after the disaster. In this way, people will naturally starve to death. If you don't want to starve to death, you have to be a refugee or a bandit. "

"You have a point." Song Yuke nodded, "but the king still needs to think about it. In addition, the news about your bank is too eye-catching. You have to be careful. You're not being pushed out. "

Su Yunxi said with a smile, "thank you Ziyu for reminding me. I understand all the dirty things. Besides, I'm not a man waiting to die. If someone does not open his eyes and comes to the door, I will make them look good. "

Song Yuke is not good at these things, but he doesn't mind learning from Su Yun. Since Song Yuke has this attitude, Su Yunxi naturally doesn't mind talking to song Yuke more.

You come and go, the atmosphere is good. Su Yunxi introduced some business methods, especially the tax aspects. As a result, song Yuke, who had been ignorant of this aspect, was gradually familiar with the business.Song Yuke said to Su Yunxi, "Yunxi, I have already thought about it. I plan to send some people to the south of the Yangtze River and the south of the five ridges."

"Do you want to know about maritime trade?" Su Yunxi asked softly.

Song Yuke nodded, "yes. The sea trade is so profitable that it must be under the supervision of the imperial court. So I'm going to send someone to Jiangnan to learn about this. "

Su Yunxi said with a smile, "Ziyu is right to think so. But I mind if Ziyu really wants to send someone to the south of the Yangtze River, it's better to send three groups. From business, people, officials, three aspects of understanding. All personnel required to go must make a good record of the data. Only detailed data can have strong persuasion. And there are detailed data in hand, three chamber comparison, Ziyu can also see the difference. In the future, if Ziyu wants to talk to the emperor, he will also have something to say. "

Song Yuke nodded again and again, "you are right, there should be detailed data support. Yunxi knows more about this than I do. "

Su Yunxi said with a smile, "in business, you don't pay attention to anything. It's said, maybe, or so on. All must have the actual data support, does the boss person naturally request the following person to record all with the data. In this way, many things are clear at a glance, and there is no need to worry about being cheated by the people below. Some people have the courage to cheat, and they can also find clues from the data. "

Song Yuke sighed and said that Su Yunxi's method was very good. This time he sent people to the south of the Yangtze River to use this method.

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