"Bank? Tang Bank?"
"That's right!" Tang Ping explained to them: "The bank's business will be independent. This will make it more professional and serve everyone more thoughtfully."
"The money you deposit in the bank will not flow into our Tang's Commercial Bank at will. If our Tang's Commercial Bank needs funds and makes a loan at the bank, it will still need to be calculated according to the loan process and interest."
"However, our Tang's Commercial Bank will take care of the banking business. That is, if everyone wants to withdraw money at the same time, and the money you deposited with me is loaned out, will you not be able to withdraw the money? Of course. No, at that time our Tang Commercial Bank will withdraw funds and hand over your deposits to you first."
To put it bluntly, Tang's Commercial Bank is the bank's credit guarantee, but in normal times it will not intervene in the bank's money, so everyone will feel more at ease.
"Shopkeeper Tang, do you want to loan this money out? But if everyone deposits a sum of money with you, just the common people, I'm afraid they won't be able to borrow so much. Then won't you still have to lose interest to us?" Fatty Liu was a little worried. asked worriedly.
Although he also pursues profit, his friendship with Tang Ping is still there.
"Well, just relying on the people's words is naturally not enough, but I also invited some guests next door." Tang Ping said: "So everyone eats and drinks first. In the next few days, I will find a place to open a bank in Chang'an first. At that time, please give me your support.”
Tang Ping said sorry and went to the next door.
Few of the remaining chamber of commerce presidents were in the mood to eat, and they all curiously asked each other who Tang Ping was meeting next door.
Fatty Liu thought for a moment and said, "When I came here just now, I seemed to have seen the carriage of Prince Miao Man."
"Yes, yes." Li Yuanwai also said: "I also saw the Baekje Prince's car."
"So Shopkeeper Tang is going to meet next door..."
"My lords, envoys, I'm sorry. I was delayed a moment ago because of something. I'm so negligent!" Tang Ping walked into the hall next door and apologized.
"Hehe, the food here is quite delicious. If it weren't for Lord Pingguo's treat, we wouldn't dare to come and eat on weekdays." The prince of Baekje was closest to the door and stood up quickly.
After Tang Ping exchanged greetings with these envoys one by one, he took his seat.
"Everyone has a lot to do, and I
No more going around in circles. "As soon as Tang Ping opened his mouth, the others quickly put down their chopsticks when they saw that it was time to talk about business.
They were polite, but who really came to eat?
Tang Ping had no choice but to come, and he was still wondering what kind of medicine he was selling in his gourd.
Tang Ping looked at the Miaoman prince beside him, he was not the one who came to the Tang Dynasty to show off his glass beads.
The Miaoman prince back then has now become the Miaoman king, and this is his eldest son.
He was probably around sixteen or seventeen years old. He didn't have a beard yet, but had a ring of hair on his lips.
"Prince Miaoman, did your trip to Chang'an go smoothly?"
"I don't dare to deceive Duke Ping. In fact... it's not going well." Prince Miao Man said with some distress : "Our country suffered a flood this year. Although the people Everything has been settled now, but the lumber promised to be supplied to Datang may not be delivered because the forest farm road construction is behind schedule."
"I heard from my father that he had a good relationship with Duke Ping in Chang'an back then. I wonder if Duke Ping could help tell the court?"
I can only say that the new Miaoman prince is really young. This is what I want to say. How could I say this in front of envoys from other countries?
What if Tang Ping agrees and other countries follow suit?
So Tang Ping said with a smile: "Your father and I really hit it off at first sight, but in the Tang Dynasty we pay attention to settling accounts between brothers, so I can't agree to your request."
Just when the Miaoman prince's face darkened, Tang Ping continued: "But speaking of it, I should be your uncle. If this younger generation is in trouble, it is unjustifiable for the uncle not to help."
Hearing what Tang Ping said, the Miaoman prince felt a glimmer of hope again and looked at Tang Ping expectantly.
"What you are talking about is nothing more than the word money, isn't it?"
The Miaoman prince nodded. The money originally spent on road construction had been diverted to provide disaster relief. Wasn't it because he was short of money?
"You also proposed to borrow 10 million from Datang, right?"
"Yes!" Prince Miaoman nodded and said, "It's just that the Ministry of Finance of the Tang Dynasty said that they can't reply recently."
"So, if you want to borrow money, why don't you ask your Uncle Tang?" Tang Ping smiled and patted Prince Miao Man on the shoulder: "I can lend it to you for ten million."
"ah,
May I? Prince Miaoman asked with some surprise.
"Of course, and I only charge you 9 cents a year!"
"Nine points of profit!" Now it was not just the Miaoman prince, but also the envoys from other countries exclaimed in unison.
It's not that the interest rate is too high, but that it's too low.
You need to know whether the usury borrowed by the temple is nine out of ten, or monthly interest.
That is to say, if you borrow 100 yuan, he will only give you 90 yuan, but you will have to pay him back 130 yuan a month later.
Of course, the Tang government would also provide some loans to vassal countries, and the interest rates were not that high, but the annual interest rate was still 15%.
Tang Ping's nine-point profit was something they couldn't even imagine.
As long as the road to the forest farm is repaired and the wood inside can be transported out and sold to surrounding countries, the interest will be nothing at all.
"You really want to lend it to me?" Prince Miao Man asked with some uncertainty.
"If I really lend it to you, can uncle still lie to you?" Tang Ping said with a kind smile: "But although our interest rate is low, we still need a mortgage, right?"
"It's not that my uncle can't trust you, it's just that if you're not afraid of ten thousand, you're afraid of the worst, so you have to use part of the shares in this forest farm as collateral."
"Yes!" Prince Miaoman nodded excitedly. Even if they borrowed money from Datang, they still needed collateral.
"In this case, uncle will soon open a Tang Bank. Then you can go to the bank to apply for loan business." Tang Ping patted Prince Miaoman on the shoulder: "Is your heart broken? Can you eat it? It’s time to eat, right? Eat more, eat more, don’t let my old friend say that our son is here and we are hungry and thin in Chang’an.”
As soon as Tang Ping finished speaking, the prince of Baekje across from him couldn't wait to stand up and asked: "Pingguo Gong, I wonder if you can provide us with some loans in Baekje? We don't need much, only five million !”
"And we, and our Silla, also need a little bit."
At present, envoys from several countries want loans. Datang is developing so fast now that it has to purchase a lot of raw materials from surrounding countries every year.
But these countries themselves are somewhat unable to keep up. If you want to increase production, you must at least increase investment first.
But what about the investment money? Now that they see such a low annual interest loan in Tang Ping, they naturally don't want to let it go.
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