Daming: Brother, there is no future for monks, let's rebel

Chapter 421 What Zhu Han Said

It took Shen Jin a full half an hour to digest Zhu Han's words.

The things Zhu Han said simply opened a brand new door for him.

Before today, Shen Jin was somewhat conceited.

He is the son of Shen Wansan, the richest man in Ming Dynasty. It's not that this status is so honorable, but because of this status, Shen Jin can learn a lot about business from his father.

He really admired Zhu Han's honesty, but it was more in other aspects.

As for business, Shen Jin has always felt that the prince may not be much stronger than his father.

Until today, after listening to Zhu Han's leverage theory.

Shen Jin suddenly discovered that their law-abiding way of doing business in the past was simply weak, didn't they?

Just when people like them are still working hard to calculate profits, trying to find ways to save a penny more, or where they can earn more.

The Daming Bank created by His Royal Highness has realized the dream of lying down and counting money.

Moreover, Shen Jin thought of another point.

In the past, no matter whether it was a bank or a private lender, in fact, the most feared thing was bad debts.

After all, although there are collateral items, sometimes the collateral items may not really be able to repay the debt.

But if leverage is used, there is less need for bad debts. Occasionally there are some bad debts, and there will be no loss of capital, just a little less profit.

Before today, Shen Jin did not believe that there was a business in this world that could make a profit without losing money.

But this Daming Bank...

Unless there is a personnel problem, or the day when the Ming Dynasty overthrows, there will be no loss.

But now the Ming Dynasty has only been established for a few years, and it is already a scene of prosperity, with a hero like Zhu Yuanzhang on the top, and a genius like the King of England Zhu Han in the middle, and the government below is also regarded as Qingming.

This money can earn at least several generations, even dozens of generations.

After thoroughly figuring out the joints, Shen Jin let out a long sigh of relief.

"My lord...you are wise!" Apart from these words, Shen Jin really didn't know what else to say.

Thinking that he holds hundreds of millions of taels of silver every day, his business has reached the extreme.

But he didn't expect that compared with the blueprint planned by His Royal Highness, he was simply a frog at the bottom of a well.

"It's just a mere bank, not worth mentioning." Zhu Han waved his hand indifferently.

This is just the most basic thing in the operation of the bank.

There are too many ways to play things like banks.Even through certain means, people can be quietly exploited all over the world.

Naturally, Zhu Han would not tell Shen Jin about these things.

mainly.

There are many things that Zhu Han himself knows only a little.

Anyway, leverage is enough for the current daimyo.

Zhu Han withdrew his thoughts that had drifted away for thousands of miles, and said seriously: "Shen Jin, listen carefully, the reason why this king told you this is to let you have a basic understanding of the development of Daming Bank."

"If you let me know that you use these things to do something wrong..."

Before Zhu Han finished speaking, Shen Jin hastily swore and swore: "The villain swears that he will never use Daming Bank to seek any personal gain for himself. As long as the villain has any selfish intentions, he will let the villain die of poverty. "

This poisonous oath was indeed poisonous enough that even Liu Shenhong couldn't help but look sideways.

Shen Jin's father was Shen Wansan, the richest man in Ming Dynasty. If this kid died of poverty, wouldn't it mean that his father would go bankrupt.

In his heart, Zhu Han mourned for Shen Wansan for three seconds.

Why did he suddenly feel that this Shen Jin has an inexplicable, cheating temperament.

"There is no need to send out any cities. You have been with me for so long. You should understand that I don't believe in this."

"The monitoring of you has always existed, and I believe you should be aware of this."

"Before, you never said anything you shouldn't say, and you never did anything you shouldn't do. This is good, and I hope you can continue to maintain it."

Zhu Han's tone was very calm, but Shen Jin could feel the mountain-like pressure from his calm tone.

"The villain will never let the prince down."

To control talents, you can't blindly press high pressure.The combination of kindness and strength is the real way to control your subordinates: "Don't worry, as long as you can do well in Daming Bank, this king will never treat you badly."

"At least, this king can save you a long history."

Shen Jin blushed with excitement. As a businessman, he really never dared to expect to be famous in history.

Even if many businessmen leave some reputation, most of them don't have a good reputation, and most of them will not end well.

Just like Lu Buwei, who is a rare commodity to live in.

However, Zhu Han's guarantee to him was obviously not the case.

"Thank you, my lord, the villain will definitely die for my lord." Shen Jin's voice trembled a little, as long as he hugged His Royal Highness's thigh, his future achievements would definitely be higher than his own father's.

"Don't say a few words." Zhu Han cleared his throat and said, "Now that you understand the meaning of leverage, you should also understand that this leverage is not without risk."

"The money we lent out is of course real gold and silver to those borrowers. However, most of the silver does not actually exist."

"As you said just now, we are also afraid of a run."

"So, in order to ensure the stable operation of Daming Bank, this leverage must not be too much."

"Now, I will draw a red line for you." Zhu Han slowly stretched out two fingers, waved them in front of Shen Jin and said, "Twenty times."

"No matter how sure you are, no matter what judgment you have on the situation. This borrowing leverage is never allowed to exceed twenty times."

Shen Jin nodded solemnly, and said loudly: "The villain knows, no matter what the situation is, he will never exceed this red line."

Zhu Han looked at Shen Jin condescendingly: "You should understand what this king really means. Don't play word games just for profit."

"This king really doesn't want to see the day when you pretend to be clever and play yourself to death."

"The villain understands the meaning of the prince. No matter how many cross-accounts there are for a sum of money, the villain will not let this money be loaned to No.20 alone."

After reassuring Zhu Han, Shen Jin put forward his own idea: "My lord, the villain has a proposal, I don't know if it will work."

"Tell me." Zhu Han also became interested.

"My lord, since we give interest to savers, it is to let them deposit as much money as possible into our Daming Bank."

"So, can we raise the interest rate and let people deposit the money in our bank for a long time? For example, two years, or one year. During this process, no matter what happens, the money cannot be withdrawn."

"In this case, there should be many people who keep their money in the bank for a long time for these interests. Then, will this money relieve the pressure on the bank's capital operation?"

Good guy!
Zhu Han called him a good guy.

As expected of Shen Wansan's son, he was indeed shrewd in some respects.

So soon, time deposits have already been thought of.

Although regular storage is nothing new, pawnshops in this era actually do business similar to regular storage.

But it is still quite remarkable that Shen Jin can think of this so quickly.

"You have a good idea..."

Hearing what Zhu Han said, Shen Jin's face immediately became happy.

But before he could laugh out loud, Zhu Han said again: "But, we can't do this."

Shen Jin hurriedly asked: "My lord, it's because the villain is not thinking carefully, so I ask you to punish me."

"Punishment for what?" Zhu Han glared at Shen Jin, this kid was playing tricks on him.Obviously he was not convinced, but he had to put on an appearance of sincerely admitting his mistake.

"Shen Jin, your thinking is not wrong. However, your angle of thinking is wrong."

"The most important thing for me to establish Daming Bank is not to make money, but to serve the people of Daming."

……

Liu Shenhong and Shen Jin rolled their eyes.

If you don't think about making money, you can think of this method of making money that is faster and easier than stealing money. If you really want to make money, wouldn't you be making all the money in the world by yourself?
They don't know whether others believe it or not, anyway, they don't believe a word of it.

With the virtues of the two of them, how could Zhu Han not know what they were thinking.

Suppressing the urge to beat someone up, he patiently explained: "Whether it's a businessman or someone else, they are still my citizens of Ming Dynasty."

"Originally when they were saving money, they might have more money on hand, so they didn't think so much. They just saved it because they felt that the interest rate was high."

"But when they need it, they find that they can't withdraw their money. What do you think they will think?"

Shen Jin frowned: "But my lord, we have already discussed these rules with them before they save money. And, we will definitely sign a contract, so we are not afraid of their mischief."

However, Zhu Han shook his head: "Shen Jin, don't take it for granted. If it were you who were relocated, your business would fail and you would be desperate. You just happen to have a sum of money saved in the bank."

"Could it be that the life-saving money is not needed just because the contract was signed before?"

Shen Jin was taken aback for a moment, and then began to think carefully.

Soon, he smiled wryly and said: "My lord, you are right. If I were cornered, I would never care about any contracts anymore. I will try my best to coax the money back."

"For this money, the bank will argue with the depositor for a long time, and it will definitely waste a lot of manpower and material resources."

"I'm sorry, my lord, I took it for granted. It seems that this regular business is indeed not suitable for development."

Zhu Han said angrily: "You brat, why did you go from one extreme to another?"

"Is what this king said not clear enough? Daming Bank is to serve the people of Daming."

"The time deposit method you came up with, although there are not few problems. However, it can indeed benefit the people who save money. After all, in order for them to deposit for a long time, more interest will be given."

"Then if there is a problem, let's find a way to solve the problem. You can save it for a fixed period, and the period starts from one year. If the depositor does not withdraw the money within one year, everyone will be happy."

"If they want to withdraw early for some reason, there is no problem. They only need to apply to Daming Bank three days in advance. Moreover, once they want to withdraw their time deposits, even if it is only one tael or even one coin, they can deposit If you put all the money into the regular deposit, you will no longer enjoy the regular interest, but will be calculated according to the ordinary deposit interest."

"That's right!" Shen Jin patted himself on the head fiercely: "Damn it, I didn't think of such a simple method before."

After that, Shen Jin asked many questions that he hadn't figured out before, until all doubts were solved.

"If there is no problem, you can go to Zhang Fengnian and loan him the money as soon as possible."

Zhang Fengnian's home.

Zhang Fengnian, who was originally high-spirited, is now sighing.

Even though he knew it was impossible.

However, he was still unwilling to watch this once-in-a-lifetime opportunity slip away from his eyes.

At this time, a servant suddenly walked in: "Master, there is someone outside asking to see you."

Zhang Fengnian said weakly: "Go and tell them that I don't want to see anyone today."

The servant did not leave, but continued to explain: "But master, they said they are. Daming... The people from Daming Bank can solve your most worrying thing now, master."

"Oh?" Zhang Fengnian finally became interested: "Let's invite people to the lobby first, master, I'll be there in a while."

Zhang Fengnian washed up, and when he came to the lobby, he saw two gorgeously dressed people.

When the two saw Zhang Fengnian, they hurriedly stood up to salute.

"Boss Zhang, I have admired you for a long time, and I am taking the liberty to disturb you today, so please don't take offense."

Looking at the way this person dresses and talks, one can tell that he is definitely not an ordinary person.

Zhang Fengnian also suppressed the irritability in his heart, clasped his fists and said: "It's not worth mentioning that little name, I don't know how to call this dear friend?"

"Hahaha! The surname is Yang again, and the single name is an odd character." Yang Qi laughed, and introduced himself: "Next, it is the account manager of Daming Bank."

"The reason why I took the liberty to bother you this time is because I heard that Boss Zhang seems to be short of money recently."

"It just so happens that our Daming Bank has just launched a loan business. If Boss Zhang needs it, he can take a loan from our Daming Bank."

Zhang Fengnian was not as happy as he imagined, but smiled lightly: "I see."

"Zhang Fengnian appreciates the kindness of the two of you."

"Although I don't know further down, from where did the two brothers know that I am short of money."

"However, there may be some problems with the two sources of this news. Now, there is no shortage of money."

As he spoke, Zhang Fengnian took a sip from the teacup lightly, and then served the tea off to the guests.

Yang Qi and the two were stunned. They never expected that Zhang Fengnian would react like this, and he didn't even want the money delivered to his door.

Shouldn't...

Think of the two of them as charlatans, right?
(End of this chapter)