As the head of Shunfeng Bank, Zhang Defu has been very busy recently. Li Miao requested a year ago to provide loans to farmers facing bankruptcy. That is to directly supply its high-quality seeds. The interest is one cent per month.
You know, in these days and months, such low interest rates are simply unbelievable. Even if farmers like these want to borrow usurious loans, no one is willing to do so. Not only is the interest now cheap, but it also helps farmers contact high-quality seeds.
People naturally believe in the reputation of Shunfeng Bank. Besides, what else can they deceive? Therefore, as February entered, farmers' enthusiasm for loans increased. The promotion of high-quality seeds from the north and south is faster.
Many farmers in the north have long known the benefits of high-quality seeds. It's just that I can't get the money. In addition, in some places, you can’t buy high-quality seeds even with money!
Therefore, the loan business of Shunfeng Piaohao increased significantly. Zhang Defu looked at the money flowing out like water. Happy and nervous at the same time. What makes me happy is that the money flowing out will produce money!
What's important is that the money is flowing out, and Ku Yin at the headquarters is watching the money disappear. The southern region is now expanding its business, and the amount of money needed is not a small amount.
Soon Zhang Defu no longer worried. Following Li Miao's instructions, he began to absorb reserves within his own power. Soon the Shunfeng ticket account became a success. A lot of money began to fill the bank again.
All are fixed for one year, with annual interest of 2%. Cheap? It's really not cheap anymore. It was unique in the history of the Dazheng Dynasty that the money had a bill number and not only did it not accept money. It can also generate money. Everyone has never heard of such a good thing. Can you be unhappy?
One hundred taels of silver left in Shunfeng Bank for one year turned into one hundred and two taels of silver. No more worrying about leaving money at home. As for the Tongfeng ticket number, do you still need to worry? It is a guarantee of safety.
Many of the guards and bodyguards of Li Miao's force mostly have a lot of savings in their hands. There is not much investment these days. I can only bury it at home, and I have to worry about it. Now that you have a good place to go, it is necessary to actively save money.
In the northern region alone, Zhang Defu's cashiers are merciless. Zhang Defu became worried again. What should we do if we can't release the money?
At the beginning, many wealthy families also began to use people and connections to deposit the money in their cellars into Shunfeng Bank. The key is that Shunfeng Ticket Company and Shunfeng Transportation Escort are integrated, so people can feel at ease.
Besides, if the money is deposited in Shunfeng Ticket Number, you can get interest from it. Why would a fool not think of a way to save it? Zhang Defu had to pay attention and quickly brake. This business is only carried out for personnel within the Shunfeng Transportation Escort System.
Just like that, Zhang Defu was so frightened by the money in the warehouse that he couldn't eat for several days. Sad!
Zhang Defu went to Li Miao to report the situation. The first is a self-examination. If this money cannot be released, how much money will be lost?
When Li Miao told Nanfang Shunfeng Bank that it would develop rapidly, Zhang Defu almost cried with joy. It’s really stressful.
Sure enough, with the rapid expansion of Southern Shunfeng Ticket Account. The white money began to flow out like water again. Zhang Defu was worried about money again. As a result, Shunfeng Ticket Account began to attract deposits in an orderly manner.
The so-called orderly accumulation refers to controlling the total amount. Let the shopkeeper of each branch have some indicators. Now people are begging for downwind ticket numbers and depositing money. Then let the shopkeepers of each branch first be a good person, build relationships, and get close to each other.
In the northern region, most wealthy households are concentrated in the capital and Tongzhou areas. These two places must be grasped tightly, and they should be left alone when there is no money. Zhang Defu gradually found the feeling. No wonder he is valued by Li Miao.
Later, Zhang Defu also started doing this in the southern region. The southern region was the economic center of the Zheng Dynasty. The deposit and loan business is astonishingly large. Zhang Defu still determines the deposit amount based on the loan.
Of course, first of all, the deposit business is only internal, creating a tight atmosphere. Then, the external deposits will be determined based on the lending situation.
When Li Miao learned about Zhang Defu's approach, he had to raise his thumbs. This is human spirit. Being a shopkeeper for more than thirty years has not been in vain. It seems that he did not make a mistake when he handed the Shunfeng ticket number to Zhang Defu.
Later, Zhang Defu, under Li Miao's instruction, waived fees for temporarily depositing money into Shunfeng Bank. Of course there is no interest. In this era, the person who can be better than Li Miao in terms of bank accounts and finance is probably not born yet!
Li Miao has witnessed the prosperity of the modern financial system in later generations. Although I only know a little bit about it, it is definitely enough for the time spent in the Red Mansion.
Although Zhang Defu didn't quite understand what Li Miao was doing, he still implemented Li Miao's decision to the letter. This is also because all of Li Miao's previous decisions were correct. Zhang Defu began to follow blindly.
In fact, Li Miao's approach is very simple. It is to complete the transfer of Shunfeng tickets to the world. With the development of the Shunfeng Bank in the south, the Shunfeng Bank has the ability to redeem the entire Zheng Dynasty.
It turns out that if the money is stored in other ticket numbers, half of the handling fee must be paid first. That’s a five percent fee. Tailwind ticket numbers were previously reduced to 2 percent. There is no charge now.
It turns out whose ticket number can be widely spread throughout the Zheng Dynasty. Now Shunfeng Ticket Account has done it. All you need to do is deposit your money into the Shunfeng Ticket Number, and you can easily find the Shunfeng Ticket Number on the territory of Dazheng Dynasty. Then exchange it for silver. And Shunfeng Ticket Number does not charge any fees.
This move played a huge role in promoting the commercial prosperity and economic development of the Zheng Dynasty. Li Miao even felt that he would get a lot of luck for this. Doesn’t promoting trade prosperity and economic development also benefit the people?
In fact, Shunfeng Bank does not suffer any loss. People store their money in Shunfeng Bank and generally do not take it out for use immediately. Therefore, you can also earn a wave of interest with the tailwind ticket number, so you won’t lose money!
Furthermore, doing this will also be of great benefit to the reputation of Shunfeng Ticket Account. Reputation is definitely very important to Shunfeng Ticket Account.
The current Shunfeng Ticket Account has not yet penetrated into the lives of everyone. The common people must all know about Shunfeng Transportation Escort Agency, but not many people know about Shunfeng Ticket Number.
After all, Shunfeng Ticket Account is still far away from ordinary people. At least that's what ordinary people think. What Shunfeng Ticket Account has to do is to penetrate it into all aspects of people’s lives.
Not long after the new measures of Shunfeng Ticket Number were launched. Many people have discovered that the Great Zheng Dynasty is still another Great Zheng Dynasty. However, the commerce of the Zheng Dynasty prospered rapidly. The economy of the Zheng Dynasty was developing rapidly. Even the court's tax revenue is growing rapidly.
Zhang Defu, the owner of Shunfeng Ticket Account, discovered a more serious problem. Of course, it is definitely a good thing for Tongfeng Ticket Number. But Zhang Defu was puzzled and extremely depressed.
As the spies from the south reported back, the emperor and his ministers soon received news of the rapid expansion of the Shunfeng Transportation Escort Agency in the southern region. The emperor felt as if he was struck by lightning after hearing this.
You must know that the southern region is the last retreat for the Zheng Dynasty. The emperor has always regarded it as the private territory of the Zheng Dynasty. It was arranged a few years ago that a large number of confidants went to Jinling to take power. Want to completely control the southern region.
But the effect is unsatisfactory. First of all, it was blocked by local power groups. No matter what the force is, it is very exclusive. No matter how big the internal conflicts are, they will quickly form a group when encountering the invasion of external forces.
Of course the emperor knew and wanted to completely control the southern region. Only rely on a strong army. Everything depends on strength, this is the eternal truth. But the South's armaments were almost depleted.
Therefore, the emperor did not hesitate to use his own internal treasury. Send out your henchmen. Go to the south to clean up armaments. It turns out that being a confidant does not mean being honest, and those who are greedy for money are just experts.
The emperor was ruthless and reorganized his officials, starting with his close associates. I changed my confidants several times, and the effect was not obvious. The key is that there are too many routines and many hidden rules, so changing the soup does not change the medicine. The reorganized army has not seen much improvement.
Fortunately, the emperor has righteousness at hand. Those local forces cannot always stick together. There are also irreconcilable conflicts between them. That's the benefit. There will be plenty of opportunities for disintegration in the future.
But now Shunfeng Transportation Escort Agency has suddenly become a giant in the southern region. Many local forces in the south have cooperated with it. Can the emperor not be anxious? What should I do?
The emperor had long planned to move the capital, initially because of the oppression of foreign races. With the rise of Tailwind Transport Escorts in the North. Shunfeng Transportation Escort gradually turned into a mythical beast that looked after the house and the courtyard.
This mythical beast protected the Great Zheng Dynasty and the people of the Great Zheng Dynasty. Even last winter, when the steppe Tatars invaded with 150,000 cavalry, half of them were eaten by the mythical beasts. Dragging the injured body back to the grassland.
But this mythical beast was not kept in captivity by the imperial court. It is wild. Nor is it enshrined by the imperial court. The imperial court felt that this mythical beast posed a threat to itself. It already has the power to threaten the imperial court.
But now this mythical beast has given birth to another cub. And he still stayed in the southern region. The key is that this cub is close to adulthood after birth. And it's still growing. Is it still useful to move the capital?
In the end, the emperor also figured it out. I hope this mythical beast will always be a mythical beast that only looks after the home and courtyard of the Great Zheng Dynasty. Always so docile.
