Tong Ling's words instantly resonated with everyone, and the eyes of the businessmen present flashed. There was an embarrassed one who smiled dryly and lowered his head after meeting Han Du's gaze.
But there are also those who look like they are dead, determined not to pay.
Han Du chuckled, shook his head and said, "So, you are not willing to lend money?"
...As soon as these words came out, the atmosphere in the hall instantly solidified like ice, and the mist rising in the tea cup seemed like a cold breath.
Facing Han Du's tough questioning, these businessmen did not dare to really offend Han Du. Everyone's eyes continued to communicate, and finally Tong Ling hurriedly explained: "The father-in-law misunderstood, it's not that the young people are unwilling to pay..."
Duke Zhen Guo was the top duke in the Ming Dynasty. He personally sent a famous invitation to invite them. If they didn't get a cent, it would be unjustifiable.
And since they were willing to accept the invitation, they certainly didn't think about losing a cent.
Tong Ling paused and said cautiously with a smile on his face: "Master, do you think this is okay? Each of them will give 20,000 guan, and the younger one will give 30,000 guan. Needless to say, borrow it, just??????? ?????????Think of it as a little bit of filial piety on our part... In this way... is it okay for the father-in-law to see it?"
Tong Ling and others are still willing to spend 20,000 to 30,000 yuan to buy peace of mind. If this matter continues to be delayed, their losses may exceed 30,000 yuan before long.
Instead of doing this, it would be better to use some blood to resolve the matter completely, and even Tong Ling and others are prepared to make a big noise in the imperial court.
Looking at the cautious looks of these businessmen who were afraid of getting angry, Han Du not only didn't get angry, but actually laughed.
He shook his head and said: "It goes without saying that you should be filial. The imperial court will never do anything to take advantage of you."
"No, sir, this is all what you want..."
Han Du raised his hand slightly, stopped what he was saying, and said with a smile on his face: "I said, the court will not do anything to take advantage of others. I have another plan here, are you willing to listen to it?"
Another plan... Tong Ling and others looked at each other and glanced at each other a few times. They all agreed that it would be fine if there was some blood, but the Duke of Zhen kept refusing, and they had no choice.
Although I don’t know what the plan mentioned by the father-in-law is like...but...it seems like it wouldn’t hurt to listen?
Through eye contact, Tong Ling understood what the others were thinking. She raised her head and said to Han Du with a smile: "Yes, of course we are willing. No matter what your father-in-law has to say, we are all ears."
Han Du nodded with satisfaction, pointed to the person on the right, and introduced enthusiastically: "This is the head of the Royal Bank, Yin Changlong."
"I've met Master Yin." The businessmen greeted Yin Changlong one after another.
Although these businessmen are all wealthy and have many contacts with banks, they have never met the bank director.
Yin Changlong also smiled and bowed slightly to everyone in return.
What is Royal Bank doing here? Could it be related to the court borrowing money? But that's not right. If the Royal Bank wants to lend money to the court, then they can just negotiate directly. Why do they have to come here?
Han Du did not give Tong Ling and others time to guess, and said directly: "Aren't you worried that you won't be able to get back the money you lent to the court? Now I have a compromise."
"Please speak frankly, sir." The businessmen also became interested and nodded in response.
Han Du's face became serious, "You can lend the money to the bank, and then the bank will lend the money to the court. But don't worry, although the money was given to the court, there is no debt relationship between you and the court. In the future, the bank will I will return the money to you with interest. Of course, in this way, after all, it has gone through the bank, so the interest will definitely not be 15% of the original amount. What do you think? Can you accept it?"
ah......
Tong Ling's eyes suddenly lit up.
Other businessmen also showed expressions of surprise, and some even whispered excitedly.
This plan seems to be very promising!
Just adding a Royal Bank in the middle perfectly solved their worries. They lent money to banks, and banks lent money to the court, which used the money to build railroad tracks.
When the railway tracks make money in the future, the court will return the money to the bank, and the bank will return the money to them.
Although the interest is less than lending money directly to the court, the advantage is that you don’t have to worry about being swallowed up!
Tong Ling and others cannot trust the court, but they can trust the bank.
From the beginning of its establishment, the main business of the bank was the deposit and withdrawal of money by these merchants. Up to now, these businessmen still have a lot of money in the bank. How can they not believe it?
"Master, then...how much is this interest?" Tong Ling smiled flatteringly and had to admit that he was moved.
Han Du stretched out a finger with a smile, "10%!"
One percent...this...
Yin Changlong responded with a smile and said: "You are all people who have been doing business all your life. You should know the rules of adding two to one and making five. However, since it is the father-in-law who has opened his mouth today, then the bank will suffer a little loss. Just do it. The bank only takes 5 cents interest, and you get 10%."
Tong Ling and others nodded, there are indeed such rules in business. Logically speaking, they can only get 70% and 50%. Now that they can get 10%, it is indeed because the father-in-law is taking care of them.
A flattering smile appeared on Tong Ling's face, and she bowed slightly and said: "My lord, not only did you save us from worries, but you also took care of us. If we refuse again, it would be too ignorant."
"As the father-in-law said, we will lend the money to the bank at an annual profit of 10%."
With the bank as the mediator, the incompatibility between businessmen and the court disappeared instantly, and borrowing money became very smooth.
Wang Yuanji, Yin Changlong, Tong Ling and others reached an agreement after a brief discussion.
Han Du was also very satisfied with the efficiency of these people. Seeing that they were almost done talking, he smiled at Yin Changlong and said, "Your bank can also get a special voucher for this transaction."
"Certificate? Please help me clarify my doubts." Yin Changlong was stunned for a moment and quickly bowed to Han Du.
Han Du thought for a moment and said with a smile in his eyes: "It's similar to the securities sold by the Bank. Since you are borrowing money here, let's call it a bond. Banks sell bonds, and anyone who is willing to buy them can come and buy them. Wait. When the appointed time came, people came with their bonds to withdraw their money.”
When Tong Ling heard this, she opened her mouth from ear to ear with joy. The bond completely severed their connection with the court. They just pay to buy the bonds, no matter what the bank does with the money, anyway, they only need to use the bonds to exchange money.
He quickly said: "Just follow what the father-in-law said."
Before Yin Changlong could react, he heard Tong Ling agree. After pondering for a moment, a smile suddenly bloomed: "Okay, just follow what the father-in-law said."
Even businessmen like Tong Ling are not worried, so what else does he have to worry about? Anyway, the Royal Bank takes money to do things, so it doesn't suffer any loss.
Unless the court dares to blackmail the bank's money then! But, does the court dare to do this? impossible.
The Royal Bank is the emperor's money bag. Who dares to hack the bank's money without the emperor settling the account with him?
I thought that the matter was settled like this, but Han Du added with a smile: "Moreover, this bond can not only be sold to them, but also to the common people."
"Sell it to the people?" Yin Changlong was puzzled. "The court needs a huge sum of four million yuan. How much can the people buy?"
Han Du burst into laughter: "Of course one common person can't buy much, but there are many common people. If four million people buy it, wouldn't everyone buy it all?"
Yin Changlong immediately opened his mouth, unable to think that Han Du was wrong. But he really doesn’t think that the people can be of much use. Although the people can save money in banks, their money is limited after all, and each person cannot save much.
There is also the fact that people are not keen on depositing money in banks. Their numbers are small, and they are not as worried about being stolen as people like Tong Ling.
This is why the Royal Bank has been open for so many years, and its main business is still dealing with businessmen.
Once all three parties are satisfied, things will move forward quickly.
...
After Yin Changlong returned, he reported to Zhu Yunye overnight.
"You said that the Duke of Zhen Guo proposed that banks sell the bonds and then let the people buy them?" Zhu Yunye showed a surprised look at first, and then a satisfied smile appeared on his face: "The Duke of Zhen Guo still has a way, so such a troublesome matter can be dealt with like this Perfect solution.”
"Then, what the emperor means is that banks sell bonds and let the people buy them?" Yin Changlong thought that this was okay, and it looked good anyway.
Zhu Yunye immediately pointed at him and said with a smile: "Let the people buy it? Didn't you realize? This is the purpose of the Duke of Zhenguo?"
】
"Ah? The purpose of the town government..." Yin Changlong quickly started thinking.
After a few breaths, he suddenly raised his head and said with shock in his eyes: "Does the father-in-law also want to buy bonds?"
Zhu Yunye nodded slightly and said with a smile: "You are quite clever. Of course the Duke of Zhen wants to buy bonds. You have encouraged the people to buy them. Isn't the Duke of Zhen a common person?"
Yin Changlong was shocked and quickly changed his words: "Then do you want me to ban people from buying?"
He knew why the imperial court would rather borrow money to build the railway track itself, because it was unwilling to give up the construction of this railway track to the Duke of Zhen. If the Duke of Zhen is allowed to buy bonds now, wouldn't that be contrary to the emperor's intention?
Zhu Yunye was not angry. He waved his hands calmly and said with a smile: "No! I am not so stingy. Since the Duke of Zhen is willing to contribute to building the railway track, it doesn't hurt to let him get some interest!"
Yin Changlong still doesn't understand the difference, but Zhu Yunye knows it very well. If Han Du is allowed to build railway tracks, the profit will be too great. But now that Han Du had lost the opportunity to build railway tracks, he didn't say anything. Seeing that Han Du was so generous, Zhu Yunye didn't mind letting him earn some interest.
