Zhao Feiyang had some uneasiness on his face and said: "I am the shopkeeper of Yixin Hardware. I am Fugui. My surname is Zhao and my courtesy name is Feiyang."
Wang Wei opened the book in his hand, looked at Zhao Feiyang and said, "Is there any mortgage?"
Zhao Feiyang hesitated and said, "There is only one apartment now, is it okay?"
Everyone thought that this house was worth less than a thousand dollars, so it seemed that Yixin Hardware would have difficulty borrowing money.
Wang Wei thought for a while and said, "I heard that you have mortgaged Yixin Hardware and haven't taken it back yet?"
Zhao Feiyang bowed his head in embarrassment and said, "It is indeed mortgaged, but it is still in my hands."
Wang Wei nodded and said: "As long as it's still in your hands. We don't need your mortgage, we just lend it directly."
Zhao Feiyang couldn't believe it, stared at Wang Wei and asked, "Aren't you afraid that I won't be able to repay the loan?"
Wang Wei shook his head and said, "Of course I'm not afraid."
Zhao Feiyang was confused and asked: "Why?"
Wang Wei looked at him again and said: "Only relying on your golden name of Yixin Hardware and your character of serving the country wholeheartedly. So there is no need to mortgage."
Zhao Feiyang's eyes almost watered, his voice was choked and he bowed his hands and said: "Thank you, shopkeeper Wang, how much is my interest?"
Wang Wei pulled out his abacus and said: "Originally, our annual interest rate is 18%, but since you are the first guest, it is only half a percent."
Everyone couldn't help but be shocked. They didn't expect that the interest rate of Zhaojiazhuang Bank was so low, less than 10% of the price of jade, gold and silver.
Jade shopkeeper Qian Xin couldn't help but blush when he saw everyone looking at him.
A beautiful middle-aged woman in her thirties came out. When everyone saw it, she turned out to be Qin Li, the wife of the prefect.
Of course, there was a housekeeper behind her who was also following suit, and everyone hurriedly got out of the way.
Everyone saw the butler carrying a wooden box, but they didn't know what was inside.
Accompanied by a maid, she came to Wang Wei and asked: "Shopkeeper Wang, I have a little money, can I keep it here?"
Wang Wei did not dare to neglect, and bowed his hands and said: "Madam, of course you can, and I will give you interest."
Mrs. Li couldn't believe it and covered her mouth, widened her eyes and asked, "Saving money can also make a profit?"
Wang Wei bowed his hands and said, "Indeed, there is, but it's only three centimeters."
Three centimeters is indeed a small amount, but it is also meat if there are few mosquitoes.
Other gold and silver shops not only return interest, but also charge interest from customers.
If there is no comparison, there will be no harm. If you compare, you will be shocked.
Everyone couldn't help but look at Qian Xin, the shopkeeper of the jade and gold and silver shop among the crowd.
Qian Xin glanced at Wang Wei bitterly and stood there with a red face.
He moved several times and wanted to leave several times, but in the end he stayed, wanting to see how Zhaojiazhuang Bank would perform.
He knew that although the gold and silver shop had high profits, the risks were also high, so he always took the path of high interest rates.
Various factors such as the authenticity of copper coins, the risk of mortgage, and rising prices must be taken into consideration.
If you, Zhaojiazhuang Bank, do this, aren't you afraid of losing your capital?
We are in this business to make money, not charity. Could it be that you, Zhao Ping, have become addicted to being a good person, and you actually want to be a good person in the bank?
But what surprised him was what was behind him. One he had never seen before was taken out by Wang Wei. This artifact amplified Wang Wei's voice ten times, and everyone could hear it clearly no matter how far or near it was. It shocked everyone. What is this? It's so powerful.
When everyone heard the news, he said loudly: "Zhaojiazhuang Bank pays three cents to the depositor, instead of charging the other party's interest. Our loan interest is also very low, so low that you can't compare, it is only 18% a year." . If you save money and borrow money today, you will also get a bucket of rice as a gift. If you miss today, you will only have next year."
Just as he finished speaking, the bank's waiter indeed gave two loads of rice to Zhao Feiyang and the prefect's wife Qin Li.
Wang Wei then used the artifact to speak loudly: "Since both my wife and shopkeeper Zhao are the first customers to save money and borrow money, I will give each a load of rice as a gift."
Oh my god, one load of rice is enough to feed a family for a month. Zhaojiazhuang is indeed very wealthy.
Why don't I have such a good thing, but the back is not bad, everyone has a bucket of rice.
Everyone shouted to go back and get money to save money, and some came forward to discuss loan business.
Most of the people watching immediately dispersed, all going back to get money or borrow money.
When Qian Xin saw it, his face was dizzy and his body was swaying. The waiter at the gold and silver shop beside him hurriedly supported him.
In the evening, Zhao Pingchun read a book. Cuizhu looked at him with an intoxicated face and kept fanning him.
Zhao Long came in and reported: "Xiao Langjun, the shopkeeper of the jade and gold and silver shop is here to visit."
After saying that, Zhao Long handed over the opponent's famous assassin and the gift list.
Good guy, the other party's gift list turned out to be the house deed, calligraphy and painting mortgaged by Yixin.
It seems that the other party is indeed a smart person.
This is a man in his fifties, always dressed as a member of the military, with a fat smile on his face and a pair of eyes that keep flashing.
It seems that the other party is not only shrewd, but also extremely sophisticated, making him a difficult person to deal with.
When Cuizhu offered tea, the other party just thanked her and didn't look at her.
Qian Xin first congratulated Chao Qinglang for defeating the Hu people and freeing Jiading from the hardships of the Hu people, and so on.
Of course, good words don't cost money, Qian Xin almost said it all, and the money was everywhere.
Of course, Zhao Ping would not be fooled by his appearance and watched him coldly as he continued to perform.
Qian Xin finally finished his performance, and the two of them chatted about each other for a while, and finally got to the point.
Qian Xin sighed and said: "Chao Qinglang is a great benefactor. He not only runs a large workshop, but also supports the Jiading workshop, and even saves Jiading from difficulties. Chao Qinglang is a great benefactor to Jiading. "
Speaking of this, Qian Xin sighed and said: "The risk of the gold and silver shop is too high. If you don't pay attention, if there is any trouble, you will lose money and end up somewhere."
Zhao Ping drank tea and invited the other party to drink tea without talking to him.
Qian Xin looked at Zhao Ping and knew that he was not tempted, but said: "Chao Qinglang is already a great philanthropist, why should he extend his charity to the gold and silver shop?"
Zhao Ping did not answer him directly, but asked: "Shopkeeper Qian, do you think it is better to kill the chicken to retrieve the eggs, or to release the water and raise the fish?"
Qian Xin suddenly didn't understand what the relationship between being a good person and killing the goose to obtain the eggs was.
Zhao Ping took another sip of tea, and then said: "In business, it is impossible for a businessman not to pursue profits."
Qian Xin became even more confused. He stepped forward and asked, "Since there is nothing wrong with merchants pursuing profits, why does Chao Qinglang also do good deeds in the gold and silver shop?"
Zhao Ping shook his head and said: "I'm different from you. Of course I pursue profits, but my way is to let the water go to raise fish. If my bank is water, and the guest is the fish. The guest is like a fish in water with me, so the guest is naturally Like to come to my place.”
Zhao Ping looked at the other party and said calmly: "Some gold and silver shop methods are to kill the chicken to get the eggs. In order to gain the maximum profit, they even killed the hen directly, regardless of whether it had laid eggs. If the hen died, what would happen? Can you lay eggs?"
Although Zhao Ping did not specify, Qian Xin knew who Zhao Ping was talking about.
Zhao Ping continued: "In fact, the relationship between the banker and the client is not a life-and-death relationship, but a relationship of mutual dependence, mutual support, mutual care, and mutual promotion."
Zhao Ping's information was too rich and perhaps too advanced for Qian Xin. He couldn't help but fall into thinking.
Zhao Ping simply pointed out: "In fact, workshops and people are the parents of gold and silver shops. Without the support of these parents, how can gold and silver shops and banks survive?"
Qian Xin thought for a while and suddenly asked: "The workshops and the people are indeed the parents of food and clothing, but there are so many people in the world, so I don't care about one family or two."
Zhao Ping patiently persuaded: "Yixin Hardware is the best workshop in Jiading. If you drive it to a dead end, isn't this killing the goose and taking the egg?"
Qian Xin thought for a while, raised his head and replied: "Shopkeeper Zhao is not the only one who is proficient in hardware. He can recruit people."
Zhao Ping took a sip of tea and said, "Yes, you can recruit other people, but why only shopkeeper Zhao does the best in Jiading? This is inseparable from his management and technology."
Speaking of this, Zhao Ping sighed and said: "Yixin Workshop is not about the equipment in the workshop, but the key is shopkeeper Zhao and his group. No matter how good the equipment is, it will be useless without people."
Qian Xin couldn't help but nodded slightly, and suddenly said: "I can recruit shopkeeper Zhao and others to continue making hardware."
Zhao Ping shook his head and looked him over. He still didn't understand the reason.
He woke up Qian Xin and said: "These two are still the same concept. One is to do it for yourself, and the other is to do it for others. If you do it for yourself, it is your own business, and you must do it perfectly. If you do it for others, it is different. You can also do it to perfection, or you can just try to complete the task."
Qian Xin took a sip of tea and fell into deep thought.
Zhao Ping continued to remind him: "Besides, if you hire shopkeeper Zhao, he may not be willing. With his group of people, he can completely build a new company and build Yixin Hardware. With my copper coin support, and his Technology and management, this is not a problem at all.”
Qian Xin thought for a long time, nodded and said: "What you said makes sense, I will teach you."
It is not easy for Qian Xin to say this. After all, he is much older than Zhao Ping and can become Zhao Ping.
The key thing is that he is very qualified and a senior professional, but now he is being taught a lesson by Zhao Ping.
What annoyed him was that everything Zhao Ping said was true. Even if he wanted to refute, he couldn't find a reason.
Qian Xin suddenly looked up and asked: "Chao Qinglang, although what you said is very reasonable, it is all based on profit. If you don't make profit, no matter how much you do, it will be useless."
At this point, he told Zhao Ping with decades of experience that although what you said is very reasonable, the key is to make a profit.
"The water in gold and silver shops is very deep. How to identify the authenticity of copper coins, the custody of copper coins, the turnover of copper coins, the rise and fall of the market, etc. These all involve costs and risks. In particular, some people adulterate copper coins, which makes the gold and silver shops very difficult to guard against. , the risks are extremely high, how to avoid these?”
