Li Shimin reached a series of agreements with major aristocratic families through various exchanges of interests.
It can only be said that some are happy and some are sad. Those who got the license are naturally very happy, while those who didn't get it are unwilling.
Fortunately, Li Shimin also said that this license is not permanent and will be audited every few years. If it fails, it will be cancelled.
Therefore, those who have obtained the license must work hard, while those who have not obtained the license will keep a close eye on this area. Once the other party makes a mistake, they can replace it.
Of course, apart from the aristocratic families, the people who have the greatest influence are the common people.
"Lin San, isn't your candy shop always short of money? Now the National Development Bank of the imperial court wants to open a lot of shops for vendors like you who have been working for a long time. The support is huge, why don’t you go check it out?”
Lin San has always wanted to open his candy store into a candy shop, but the money he has saved over the years is still not enough.
He originally thought that there was no hope before marrying the Zhao family's wife, but he didn't expect that the imperial court would open a development bank. After hearing the news, he handed the stall to the vendors next to him and ran directly to the newly opened development bank.
The location of this bank is also very interesting. All three banks are located directly opposite Tang Bank.
Then the two banks also followed the instructions of Tang Ping and Wang Qingluan and wrote out their respective conditions and hung them outside the banks.
People who interact with each other can tell at a glance what the interest rates are for deposits and loans in the two banks.
Lin San ran into the Datang National Development Bank and asked breathlessly: "I want to borrow 10,000 Datang coins to open a candy shop. What proofs do I need?"
He also went to Tang's Bank across the street, and he could get a loan there, but the loan was not worth 10,000. If he got a loan from Tang's Bank, his candy shop would have to be opened in a more remote place instead of opening it on his own at the beginning. The place I like.
The teller inside gave him a form and said patiently: "Look here is the required certificate."
"So many?" Lin Sanyi frowned. It was densely packed with dozens of certificates. Who told him that the National Development Bank had better loans?
Lin San, who felt like he was being teased, planned to stand up before he finished reading.
left.
"I don't need you to have everything, guest." The teller inside had long known that this might happen. He pointed at the bottom of the form and said, "Look, it's written here. Which of these certificates can you provide?" , you just check the box, and the more proof you can provide, the more loans you can get and the easier it will be.”
Hearing what the teller said, Lin San felt relieved. He looked at them one by one and found that he could actually provide proof for many of them.
For example, receipts for management fees paid to the urban management, certificates of qualifications for admission to sales at large events, and monthly tax payment records, etc.
Even the number of times your candy stall has received red flags for market hygiene can serve as proof.
He didn’t expect that these things could be used as proof of a loan, but he didn’t know that these things could actually reflect his business conditions, his character, etc. Lots of information.
Tang Ping asked Mr. Gou to list this table using big data algorithms.
Each certification has its own score, and the final score indicates the approximate qualifications of the lender.
He checked the boxes while looking at them, and he actually checked a third of them.
After he finished checking, the teller said: "This form is made in duplicate. One is kept with me and one can be taken away. If the information you provided is true, you can apply for 10,000 Tang Dynasty." Low-interest loans in currency.”
"It's true, it's all true!" Lin San didn't expect that he could really get the funds he wanted here, and said with some excitement: "I just need to take my form back, and then follow the instructions above to get all kinds of funds." Is it enough to prove it? Then how low is this low interest rate?"
"That's right." The teller said with a smile: "The customer's qualifications are very good. The loan we provide depends on how long you need it. If it is a one-year term, we will only charge you eight cents in annual interest, and the three periods will be interest-free. If you If you can return it in advance, any interest that is not accrued later can also be waived.”
Lin San was stunned, there is such a good thing, that is, if he repays the money in three months, he will not even have to pay a penny in interest?
After confirming, he quickly ran back home. When he entered the door, he found that he
My mother is worshiping Buddha at home.
"Third brother, why are you back? Could something have happened?"
"Mom, my loan has been approved." Lin San said excitedly, holding his mother's hand.
"Is it done? Then you can open your candy shop? Then you can marry Mrs. Zhao? Then I will be a grandma soon?" The old lady thought very far: "It's best to come first If he is a son, then the legacy of our family can be passed down."
After saying that, she pulled Lin San and knelt down to the Buddha statue: "Come on, Lao San, come on and thank Bodhisattva. Thank you Bodhisattva for blessing you with a successful loan to open your shop."
"What!" Lin San broke away from his mother's sleeves and carefully helped his mother to sit aside Next:
"Mom, does this have anything to do with Bodhisattva? Have you forgotten? It turns out that I went to Daxingshan Temple to borrow money to open a candy shop, but they wanted to charge me more than 30% of the monthly interest, and they also asked for my house as a mortgage. "
"So even if our lives get better in the future, it has nothing to do with this Bodhisattva. It's all because of Duke Ping and His Majesty that we will have a good life in the future."
After appeasing his mother a few more words, he went into the room and dug out all his tax payment certificates. After matching them one by one with the form he brought home, he ran towards the bank again.
"My third youngest is going to open a shop and become a shopkeeper. My third youngest is going to get married and have children." The old lady wiped away her tears and said, "Yes, this matter has nothing to do with the Bodhisattva. I have to thank His Majesty the Duke of Peace." !”
Lin San is just one of countless small businessmen. On the first day of the establishment of Datang National Development Bank in Chang'an City, more than 40 people successfully obtained loans and began to expand their own businesses.
Or is it that the gears of fate have begun to turn?
On the other side, the dining table in Xiahe Village also began to rotate.
Cheng Zhijie had always had a dark face, and now he was sitting at the table with an even darker face.
It was originally agreed that Tang Ping would treat him to a meal, but he didn't expect that he would be treated to a meal, but not himself.
In addition to myself, there were two oirans and Li Tai in the city. I had all the good wine and food I wanted, but this meal became a business meal and it was not so comfortable to eat.
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