Zhao Ping took a sip of tea and said calmly: "Of course you have to make a profit. If you don't make a profit, why should I open a bank?"
Qian Xin stood up in disbelief, but the other person was not only a court official, but also a great benefactor from Jiading.
He calmed down, bowed his hands to Zhao Ping, and asked, "May I ask Mr. Chao how to make money?"
Zhao Ping replied calmly: "It's very simple. You can avoid the biggest risk by using the pick-up card."
Zhaojiazhuang's delivery card has actually become currency, a more stable and valuable form of communication than the court meeting.
Although he has not yet been publicly recognized by the imperial court, it has become popular among the Hu people, Dali, Dali, Annan, and even Japan, Ryukyu and other places.
These merchants are using pickup cards one after another, not only because they are stable and valuable, but also because they are easier to carry than copper coins.
However, Zhao Ping is now very delicate with the court, and the court does not want to hand over the power of Huizi's issuance to a businessman.
Isn't this a slap in the face of the court? The mighty Song Dynasty court was worse than a small businessman?
In particular, Zhao Ping's "War Theory" has offended a lot of officials headed by the prime minister, and it is impossible to get recognition from the court.
Qian Xin kept calculating. The benefits of the pick-up card were obvious, but there were also risks. After all, Zhao Ping had offended most of the civil servants of the court.
His expression kept changing over and over again, and he kept calculating the gains and losses.
He calculated for a long time, but could not come to a good conclusion. There were risks on both sides.
Finally, Qian Xin thought about it and said, "Even if you use a pick-up card, the interest rate will be low."
Zhao Ping shook his head, took a sip of tea, stood up, and said: "Kong Xuansheng (the honorific title of Confucius) taught us that we should have a golden mean as a person. In fact, this is not only true for people, but also for business."
Qian Xin couldn't help but be surprised that Zhao Ping was going further and further. First he was letting the water go to raise fish, and now he's resorting to the golden mean.
Gold and silver shops are not opened to make money, so why should gold and silver shops be opened?
Zhao Ping ignored him and continued: "The golden mean is the way of a gentleman and the way of balance. Being a human being means that both parties take a step back to make the world brighter. When doing business, both parties will benefit, and this will last long. Therefore, I It’s called win-win.”
Win-win is another new term that came out of Zhao Ping's mouth. Although I have never heard of it, I can understand it literally.
Qian Xin did not expect that when he entered old age, he would be struck by Zhao Ping's views one after another and new words one after another.
He couldn't accept it at once, so he bowed his hand to Zhao Ping and said, "I'll take my leave."
Zhao Ping got up to send him off, took his gift list and said, "Shopkeeper Qian's gift is too heavy. I feel ashamed for it. Please take it back."
Of course Qian Xin would not take it back, so both parties were polite.
When Zhao Ping saw that the other party refused to accept it, he also took out a gift list, all of which were high-end items such as Zhaojiazhuang Fairy Soap, Huaxianzi Fragrance Powder, toothbrushes and toothpaste, and cloth.
Both parties exchanged courtesy, and Qian Xin had no choice but to accept it.
On the way back, the accountant was indeed an accountant, and he quickly calculated the price of this batch of things.
Although it's worth a lot, it's probably around four thousand.
The accountant couldn't help being shocked, and said to Qian Xin with a grimace: "Shopkeeper, we have suffered a huge loss this time."
Qian Xin shook his head, sighed and said: "It's not that I don't want to return the same gift, but I do it intentionally."
The accountant was even more puzzled. He held up his hands and asked for advice: "Why is Mr. Chao doing this?"
Qian Xin looked him over. The accountant was the accountant. He hadn't turned around yet and said, "He thinks our interest is too high. In fact, he thinks the interest should only be four thousand."
Lenovo Zhao Ping said that business is like being a human being. Is he teaching them how to be a human being?
The accountant couldn't help being furious, stroked his beard, and said bitterly: "I'm already fifty, I don't need a lesson from a kid with a yellow mouth."
When Qian Xin saw the angry accountant, he shook his head and sighed: "Actually, Chao Qinglang taught me a good lesson. Didn't the ancients say that those who master come first?"
The accountant was still angry and asked with a frown: "Shopkeeper, how do you explain it to the master?"
After they went out, Zhao Ping sighed in his heart, times are different, views are different, thinking is different, and starting point is different.
This is a collision between modern finance and ancient finance. Although Zhao Ping gave them a vivid lesson, they may not be able to accept it.
After all, not only have they been professionals for decades, but they have always done this. They have become accustomed to loan sharking, and they have always done so with peace of mind.
This is like a person who has been eating sweets for decades and suddenly loses the sweetness of ordinary food. How can he stand it?
It is easy for a person to go from poverty to luxury, and from luxury to poverty!
In any case, the common people and workshops are not fools, not to mention that Zhaojiazhuang Bank has the strong strength of Zhaojiazhuang as its backing.
Maybe when ordinary banks do this, ordinary people and workshops worry that there is a risk of the bank going bankrupt. Because of such low interest rates, can the bank continue to operate?
Maybe if there is any slight disturbance, the people will go crazy and withdraw money and it will go bankrupt! Even rumors spread by competitors can bring down the bank!
But these are almost no problems for Zhaojiazhuang Bank. Zhaojiazhuang's security team can defeat the Hu people, Zhaojiazhuang can set up workshops in Jiading, and Zhaojiazhuang's various things are in short supply.
People are eager to save money and borrow money here. This is the benefit of strong strength.
In fact, these things in Zhaojiazhuang are interdependent, mutually reinforcing, and develop together, and one of them is indispensable.
Zhaojiazhuang provides strong economic backing for the security group. The security group protects Zhaojiazhuang's economy and banks. The banks open channels for the circulation of goods in Zhaojiazhuang, forming a virtuous cycle.
Xi Xing may be able to feel this vaguely, but he may not know the reason.
The only one who knows the cause and effect is Zhao Ping. This is a relatively independent kingdom system created by him.
With only these three things in hand, Zhao Ping is not afraid of any difficulties he faces.
Although this is only preliminary, it has the power to separate one party without knowing it.
The greatest fear of the Song Dynasty was the separatism of the princes. Although it was temporarily blocked by Yu Jie, it would be discovered sooner or later.
Fortunately, I have already shown through the "War Theory" of "Da Song Zhonghua News" that I am loyal to the emperor and patriotic, and willing to be a lonely minister. Although the civil servants are not too cold towards me, at least His Majesty believes in me for the time being.
Moreover, this time they came out to attack the Hu people, they were also ordered by the Changyuan County government and were forced to get involved in the war.
Even the establishment of a security group was approved by the government, and civil servants could not find a reason to do so.
But he had already offended the civil servants, and now he has the strength to separatist power. Sooner or later, he will become a thorn in the eyes of some civil servants.
Is this good or bad? Can I surrender my military power like the generals did in the early Song Dynasty to seek peace?
This is obviously not possible. Lizong is not Taizu and does not have the magnanimity to accommodate the world.
You can only take one step at a time, and you can only move forward, not backward.
If you want to hand over military power yourself, Yue Fei is your role model.
The civil servants of the Song Dynasty were particularly powerful. They could turn white into black and black into white.
Although Yue Fei was engraved with the slogan "Serve the country with loyalty" to show his ambition, Qin Hui could take advantage of Gaozong's extreme suspicion to kill him.
Lizong and Gaozong both have common characteristics. Both of them came to the throne improperly. Lizong was forced to the throne by Shi Miyuan, and Gaozong even proclaimed himself emperor. This is one of them.
Secondly, neither of them had great talents or great ideas. Although Taizu wore a yellow robe, he unified the world.
Therefore, the two people's suspicions are extremely serious. Their first goal is to ensure that their positions are secure and the rest stay behind.
Fortunately, the officials still believe in themselves for the time being, but they don't know how long they can believe in themselves.
However, it was impossible for the officials to completely believe the civil servants. Zhao Ping's "War Theory" had planted seeds of doubt in Lizong's heart, waiting to sprout and grow.
If these civil servants insist on forcing themselves to go to Liangshan, they have two ways to choose.
First, a Qing monarch came to his side, imitated Cao Cao, and held the emperor hostage to order the princes.
But this will leave a bad name in history. Moreover, Lizong treated himself quite well, and this was an internal war, which actually gave the Hu people an advantage.
Secondly, since we don't want to fight a civil war, there is only one way to take back the north and claim a separate kingdom in the north. It is better than fighting a civil war.
If the civil servants continue to press harder and harder, the worst possible outcome is that they will proclaim themselves emperor, and they will learn from Liu Huangshu's tactics and establish a Great Song Dynasty in the Northern Song Dynasty.
Anyway, my surname is Zhao, and I don’t know who my father is. The worst thing is, I need to find a royal family member to take care of him.
The next day, Zhao Ping had just had breakfast when Zhao Long sent a letter of challenge.
It turned out that it was sent by the gold and silver shop. They issued a declaration of war to Zhaojiazhuang Bank. The two sides would win or lose in a battle.
If you lose, you will leave Jiading and no longer engage in deposits and loans; if you win, you can engage in deposits and loans in Jiading.
This jade and gold and silver shop is so shameless. It is obvious that he can't beat Zhaojiazhuang Bank, but he resorted to the trick of jumping out of the gate.
What's even more disgusting is that this matter has spread throughout Jiading, saying that the Jade and Gold and Silver Shop and Zhaojiazhuang will decide the outcome through Guanbao.
Time is also very urgent, just tomorrow.
If you lose, you will no longer be able to deposit and loan in Jiading. Only if you win will you be eligible, and it is said that Zhaojiazhuang has accepted the challenge.
For a time, the people of Jiading were in a state of upheaval, especially the customers of Zhaojiazhuang Bank, who were even more afraid that Zhaojiazhuang would be defeated by the other party and their savings would be wiped out.
Even Jiading people who have no money to save are still worried. After all, with Zhaojiazhuang in Jiading, they have one more choice.
They have no dealings with Zhaojiazhuang Bank, but are under observation.
They wanted to see if the powerful dragon in Zhaojiazhuang could overwhelm the local snake. After all, the jade and gold and silver shop had been in Jiading for decades.
Its power is complex and its roots are deep. It is said that the Jade and Gold and Silver Shop has government personnel involved.
Of course, this is just a legend and no one has confirmed it.
But if you think about it carefully, how can you open a gold and silver shop with extremely high profits without a backend?
Zhao Long felt that he was very wronged. He just accepted the post and Zhaojiazhuang accepted the challenge.
He reluctantly told Zhao Ping that he just accepted the post and did not know the content at all.
