After passing through the wind and rain in the city, Su Shi and Lin Mo came to the gate of Qianqiu Zhiku. Su Shi stopped and stood, looking at the word Qianqiu on the door, slightly absent-minded.
But he immediately calmed down and walked straight in.
Qianqiu Quality Warehouse is very large, with eleven or twelve people working in it. Although there is no business coming to the door now, the quality warehouse is well organized and everyone performs their duties. Su Shi has to admire Zhou Jin's management ability.
When they saw Su, these people just nodded and no one deliberately flattered him.
Walking to the innermost room of the quality warehouse, the door was ajar. Su Shi opened the door and saw Zhou Jin and Qin Nan leisurely sipping tea.
When Zhou Jin and Qin Nan saw Su Shi standing in front of the door, looking at them with gentle eyes, they felt a little panic in their hearts and hurriedly put down their teacups.
Zhou Jin smiled and said, "I heard that you went out just after you came back?"
Su Shi walked to them and sat down next to them, and said, "Since Bai Jiangchuan has sent a congratulatory gift, it is only natural for me to pay a visit."
Zhou Jin looked surprised and asked, "Did you really go to the Dongyuan Quality Library?"
Su Shi said calmly: "Now that we are all traveling together, we may help each other in the future, so why would it be weird if I went to visit?"
Zhou Jin and Qin Nan would never believe Su Shi's words, but they also knew that he would not do meaningless things, so they were really curious as to why Su Shi wanted to visit Bai Jiangchuan.
"What did you all say?" Qin Nan asked softly.
Su Shi smiled and said: "I first told Master Bai that I was very grateful for his gift, and he told me not to be polite. Then I told him my plan and wished him an early closure. Finally, I left Dongyuan Quality Library and came back. .”
He spoke very lightly, but Zhou Jin and Qin Nan were dumbfounded.
Zhou Jin looked incredulous: "Did you tell Bai Jiangchuan our plan?"
"If they are smart people, even if I don't tell them, as long as my warehouse is open, they should know what our strategy is." Su Shi said, "In this case, it is better to tell them openly."
Zhou Jin still couldn't understand: "Why not catch Dongyuan Qiku by surprise? Now that they know our strategy, how should we deal with it if they copy the cat and the tiger?"
Su Shi picked up the teapot and poured himself a cup of tea. After taking a sip, he said slowly: "Being surprised is just a temporary advantage. I don't value this advantage. And if they really want to imitate cats and tigers, they can do it at any time." Yes. It’s just that there’s no way they can do that.”
"Why?"
Su Shi suddenly looked at Zhou Jin and asked, "Why did the prince set up the Dongyuan Quality Bank?"
When it comes to the past, although a long time has passed, Zhou Jin's pretty face still seems to be covered with a dark cloud. After a long silence, he said: "In the few years before and after my father ascended the throne, natural and man-made disasters occurred, and the national situation was difficult. Although the prince's brother is mainly engaged in business, As a breakthrough for the revitalization of Daqian, without the development of other industries, business will also be a source of water."
"But in those years, the common people were in a difficult situation, and there was no money left in their hands. That's why the prince brother organized the Dongyuan Quality Bank to lend money to the common people at very low interest rates for production."
"How much was the profit back then?"
Zhou Jin sighed: "The annual interest is only eight cents, and if the people encounter a disaster, the interest can be waived and the principal repayment time can be extended."
Su Shi couldn't help but laugh and said, "This is similar to the method I used."
Zhou Jin rolled her eyes at him. Although the methods used by Su Shi and the prince seemed to be similar, Su Shi's purpose was different from that of the prince's brother. The prince's brother was thinking about the people, but Su Shi was out for revenge, not to mention Su Shi's. The profit collected was already more than twice the profit stipulated by the prince's brother.
After despising Su Shi, Zhou Jin's expression became gloomy again, and he said slowly: "However, after the death of the prince brother, within a few years, no one abided by his rules anymore, and Dongyuan Quality Library also changed. Now this man-eating monster."
Su Shi was not surprised at all. In his opinion, if the prince had not died, he might not be able to maintain his true intentions in the face of huge interests.
He smiled and said, "That's why I said it's impossible for Dongyuan Zhiku to imitate cats and tigers."
Qin Nan's eyes lit up and he said: "Dongyuan Quality Library has become accustomed to making huge profits over the years. If they are allowed to go back to the small profits they had before, they will definitely not be able to accept it."
Zhou Jin shook his head and said: "But Dongyuan Zhiku should also know that as long as Qianqiu Zhiku is defeated, it will not have the final say in the future. So Tian Wenhao will definitely find a way to persuade those people to jointly deal with Qianqiu Zhiku."
Qin Nan seemed to have a different view. She mused: "If Dongyuan Zhiku really wants to adopt the same strategy as Qianqiu Zhiku, the annual profit must be much less than Qianqiu Zhiku."
"Because the image of Dongyuan Zukuo has been ruined. If the annual interest it charges is the same as Qianqiu Zukuo, I believe no one will borrow money from it. Therefore, its annual interest must be lower than ours. Only in this way can we It might attract people to borrow money."
Zhou Jin also suddenly realized it and said with a smile: "And I'm afraid it will have to be much lower, otherwise people who want to borrow money will not be able to choose them."
Su Shi smiled and said, "Then do you think if they want to use our strategy, how much annuity should they set to be able to compete with us?"
Zhou Jin thought for a while and said: "Our annual interest rate is set at 1.8%. Dongyuan Quality Bank will only be able to attract people if it is set at 1.2%."
Su Shi said slowly: "If Dongyuan's quality inventory is set at one point or two cents, after excluding various costs and losses, the profit should not exceed one point."
Zhou Jin and Qin Nan nodded.
Su Shi continued: "Dongyuan Quality Warehouse's profit of one point does not mean that others can also get one point of profit. I'm afraid it is only seven to eight percent profit."
Zhou Jin shook his head and said: "It can't reach that much, only five centimeters at most."
Su Shi exclaimed: "The eldest prince is so harsh." But then he smiled happily: "In the past, when profits were high, these people might not say anything, but now that profits have become so low, will those people? Have any complaints?"
Zhou Jin sighed softly: "But now those people are attached to the eldest brother, even if they have complaints, they can only bear it in their hearts."
Su Shi said: "I don't care whether those people will keep their complaints to themselves, I only care about the money in their hands."
Zhou Jin and Qin Nan looked at Su Shi at the same time, their eyes full of confusion and confusion.
Su Shi said calmly: "Those people can only get a profit of 5% by investing their money in Dongyuanzhi, and they have to worry about the loss of the principal. But if they keep the money in Qianqiu Zhiyu without worrying about the principal, they will still get one cent every year. Leigh, I believe these people should be able to make wise choices."
