Xu Fenglei almost stumbled and fell to the ground!
At this moment, he understood this sentence more and more:
Jianghu is not about fighting and killing, Jianghu is about human relations!
Can't escape...
He held his forehead, regained his composure, and looked at the many people in front of him again.
"Who else wants to open an account and save money?"
Xu Fenglei tilted his head and said,
“There are not many prizes in the prize pool, first come, first served!”
Everyone: "!!!"
"I, I, I, I want to open an account!"
"I'll save it. I'll save one or two silver coins first!"
"If you're idle, you're idle. Let's open an account first and draw the prizes. What if we need it later?"
"..."
For a time, spectators flocked in, and under the management of Jin Wuwei, a long queue formed!
At a glance, it looks like a long dragon, which is spectacular!
"Tsk, tsk, he really got a kick out of it."
Li Shimin stood upstairs, overlooking the grand scene below, and said in wonder,
"Such a lively atmosphere will definitely become a topic of conversation on the streets of Chang'an in the next few days. By then, more and more depositors will open accounts at Fenglei Bank to save money."
"I estimate that in just this month, he can absorb more than 100,000 taels of silver in deposits!"
"Guanyin Maid, please tell me... How about I deposit the money from the treasury to him? Anyway, I can withdraw it at any time, and there is still interest. There are easily millions of taels of treasury money, even if it is just for a few days, That interest rate is very impressive!”
At this moment, Li Er actually felt itchy and had "wrong thoughts".
"It can't be like this."
Changsun Wugou decisively objected,
“How can the national treasury of silver be used to make profits?”
"You want interest on your money today. Do you believe that tomorrow someone will embezzle money from the treasury and lend money?"
"If this is a bad start, I think... it will eventually cause tragic consequences that we cannot bear."
Li Shimin: "..."
That's right.
"Also, I heard that the purpose of absorbing savings is to lend them out to make profits, and it is not charity."
Changsun Wuguo said again,
"There has to be a balance between saving and lending."
"If you give him millions of taels of silver at once, he won't be able to release it for a while. He can only pile it up in the treasury and eat dust, and the interest he has to pay every day is a huge amount."
"Doing this will definitely interfere with or even damage the bank's normal operations!"
Li Shimin's eyes flashed and he nodded repeatedly.
"It makes sense! Maid Guanyin, you are still thoughtful, I am too shallow."
He agreed,
"Money from the treasury cannot be misappropriated!"
"However, if we don't use the money in our own internal treasury at ordinary times, we can keep it with him. The amount is not large. It is only about a hundred thousand taels on weekdays. What do you think?"
"This little money shouldn't damage his business, right?"
Changsun Wugou hesitated for a moment and nodded slowly.
"A hundred thousand taels should be fine."
She said,
"Whether you save it or not, according to his interest rate, the interest earned on weekdays can cover a lot of palace expenses."
"It's such a big palace, it's not easy for a concubine to be in charge of the house. You need to be more careful and careful, and the water will flow slowly..."
To be honest, if you save money, you can make money. As a queen, she is also excited!
"Hahaha, okay, then it's settled!"
Li Shimin laughed loudly and said,
"Go back and get ready. Let's give Tingming a big gift. Let's see if he can eat it!"
On this day, the first financial institution in Datang, "Fenglei Bank", opened.
This represents the initial establishment of the financial system of the Tang Dynasty. People will slowly accept the institution of "money bank", fall in love with saving, and become accustomed to loans.
…
That night.
Inside Fenglei Bank, the lights were brightly lit.
Bang bang!
Bang bang bang!
The fingers of several accountants were flying, and they were still working tirelessly on the abacus and calculating the amount.
A huge plaque hangs in front of the hall, with six characters written on it——
Today’s account is settled today!
No account should be left until the next day! Because human brain power is limited, many things will become blurry the next day.
In the financial industry, the most important thing is ambiguity. It must have accurate numbers. One is one, and two is two!
Therefore, even if you stay up all night, you have to calculate the accounts clearly before getting off work.
Of course, Xu Fenglei would not treat his employees as cattle. These top accountants in Chang'an naturally enjoy the top treatment and overtime pay.
"Master."
Li Qingquan handed a stack of account books to Xu Fenglei and said seriously,
"A total of 898 households were opened today, with a total savings of 13,580 taels."
"The portrait is finished and all the money has been returned to the treasury."
Xu Fenglei raised his eyebrows.
"okay, I get it."
He praised,
"It's been a hard day today."
"You are very talented in finance. Although this is your first time doing this job, you picked up the skills very quickly. You look like a veteran."
"Qingquan, you are what you are made for!"
Hearing this, Li Qingquan pursed his lips and smiled, revealing two cute dimples.
"Thank you Master for the compliment!"
She responded happily, and then asked,
"However, these depositors don't have much savings, and most of them are current deposits... Do they not trust banks?"
There are nearly 900 depositors, but they have only saved more than 10,000 taels of silver. Excluding the support of several big bosses such as Yu Chigong, the average savings are even less.
One person can't even make 10 taels.
For the eldest princess Li Qingquan, this is obviously pitiful.
"There is a reason for this."
Xu Fenglei nodded and explained,
"Finance is actually all about credit, and on the first day we opened, the credit system has not yet been established. It is already good to be able to absorb so many savings this year."
"Actually, this effect can be achieved purely by relying on my personal status, the support of the government, and the support of various lottery activities."
"As we slowly operate and our credit gets better and better, large, long-term certificates of deposit will naturally appear."
"Another point is that most of the people who came today are here to watch the excitement. Even if they are thinking of making a deposit, they definitely won't have too much money... Just wait! It will be different in two days. ”
Li Qingquan listened carefully, nodded from time to time, and wrote down the master's words.
At this moment, Yan Lide walked out of the back hall, rubbing his sore wrists.
"hiss--"
He yelled and complained,
"My hand is almost broken! Ouch..."
"My lord, my lord, you really used your subordinates as livestock this time! Today alone, I drew nearly three hundred portraits!"
"There are still six hundred cards left... It gives me a headache just thinking about it! I'm afraid this hand will be completely useless..."
Today is definitely the hardest day in Yan Lide's life!
He painted with his left hand and with his right hand. As he continued to draw the depositors one by one, his head almost exploded!
This is not just a matter of using your hands, but also your brain!
(End of chapter)
