Three Kingdoms, I open a tavern in Xudu

The denomination of this banknote is not large, only one thousand coins, and it is displayed in front of everyone.

They have heard that there is another kind of banknotes in the Qianzhuang, but it is the first time they have actually seen it.

Zhuge Jin continued to explain to them: "For example, the banknotes of one thousand renminbi on my body, you only need to use one thousand renminbi to exchange them with me, and then you can take them away and use them for trading. As long as the banknotes are not lost, There is no damage, and when you need coins, you can exchange them at our bank at any time without any restrictions, and we only accept banknotes and nothing else."

"Everyone, if you are going to do business, wouldn't it be more convenient to bring banknotes with you than a thousand dollars?"

Everyone present must have some insight to be able to achieve such a position.

They listened briefly, and probably understood what Zhuge Jin was talking about, and felt that this move was good, and if it could be implemented, it would greatly facilitate their business.

If you want to implement banknotes, you need a third party to be responsible for the value and exchange of coins. This bank is the best third party.

They have to admit that the person who came up with the concept of coins is really awesome. To simplify the most important part of doing business with such a simple method, it must not be the idea of ​​Zhuge Junshi, right?

It is said that Zhuge Junshi is very powerful, there is nothing he can't do, if it is a concept he came up with, it is not impossible, so the people present began to think carefully.

"Even if it's convenient for others, your bank has no income, so how do you pay interest?" Feng Tai asked.

"This is the second point I want to talk about. We open a bank, in addition to keeping money for everyone, it is also a process of collecting funds, referred to as fundraising."

Zhuge Jin waved his hand, Mi Liang understood immediately, opened the gift box he carried with him, and took out the glass cup inside.

"This……"

The moment they saw the colored glass cup, everyone couldn't help standing up, staring at the glass with wide-eyed eyes, their eyes flashed with excitement.

"Is this Liuli?"

Zhu Zhi asked excitedly.

It was the first time they had seen such exquisite and high-quality colored glaze.

Zhuge Jin was able to produce such a valuable thing, they were thinking that this bank has a lot of background, and it really has Zhuge's military adviser as the backer.

"That's right, it's Liuli!"

Zhuge Jin nodded and said: "Everyone is a well-informed person. You should know that colored glaze is extremely difficult to make and the price is extremely high, especially the colored glaze brought by Hu merchants in the Western Regions, which is invaluable."

Zhou Hai said: "That's right, shopkeeper Zhuge wants to say, is this transparent glass made by you yourself?"

"Yes!"

With Zhuge Jin's acknowledgment, the audience was stunned.

Being able to make glass, in this era, isn't it similar to making money directly, and even more profitable than making money.

If the glass cup in front of me is sold outside, it can be sold for a sky-high price, and it can be exchanged for dozens of carts of coins.

It turns out that the income of the bank comes from here?

"The income of the bank comes from Liuli for the time being!"

Zhuge Jin's words confirmed their current thinking, but he also said: "It is extremely difficult to make glass, and the price of the things needed is very high. Guess, everyone, how much does it cost to make my glass?"

They shook their heads, it was difficult to guess for a while.

"It needs 15 yuan!" Zhuge Jin said.

hiss!

Zhou Hai and the members of the three major families also gasped.

They know that colored glaze is very expensive, so why is it so expensive?

It costs 15 yuan just to manufacture it. If it can be sold, someone will ask for 20 yuan, or even higher.

As far as those Hu merchants brought the colored glaze with a lot of impurities, it can be sold at a high price of tens of thousands of dollars.

"Our bank is currently raising funds to make colored glaze and then sell it to generate income and pay interest. It can be said that we borrow money from depositors and return it with interest. This is our profit method." Zhuge Jin continued to explain.

"Glass is so expensive, if you can't sell it, what should you do?"

asked a rich merchant.

"You can rest assured that it will definitely be sold!"

Zhuge Jin continued: "Even if it can't be sold in Sichuan, it should be sold to other places. This is our second method of absorbing funds. We will open shipyards and build various docks, from the Yangtze River to Jiangdong and other places. .”

"In the middle of Sichuan, we are surrounded by high mountains. The northern Jiange and other places have been lost, so it is difficult to communicate with Hu merchants. Now the most convenient way to communicate with the outside world is the Yangtze River. If you want to do business with the outside world, the most convenient way is the Yangtze River. You are all aristocratic families. There is wealth in the family, and merchant ships can transport goods abroad, but not all merchants are like this."

"Our approach is to build more merchant ships and docks, strengthen foreign exchanges, sell our Shu embroidery, Shu brocade, and Shuzhong products as much as possible, and then buy in foreign goods. Ships are essential. .”

"However, our merchant ships and docks are not free to use. We need to pay a certain amount of rent, especially the docks. Every time a ship docks, we must pay rent. But to complete these, we need a lot of money to invest. The bank is The best way to raise funds, docks, boats and Liuli, is a business that is sure to make a profit.”

After Zhuge Jin finished speaking, her eyes swept away from everyone.

At this time, they were shocked.

What Zhuge Jin said is correct. Most of them are businessmen. Although the heads of those aristocratic families have to draw a line with business for their status, it is undeniable that they also have many shops and caravans underground.

It is indeed very troublesome to do business from the middle of Sichuan. If someone is willing to assemble a fleet, build a wharf, and strengthen external communication, the two sides will benefit and make money together.

Steady profit without loss, they also think that it is an act of steady profit without loss.

This bank is really powerful!

He actually carried out the business affairs so thoroughly and analyzed them so thoroughly.

"Treasurer Zhuge, I'll keep people secret and don't whisper. Can you count me as a part of your bank's business?"

Zhou Hai immediately said: "My Zhou family doesn't lack anything, but money. I can invest a large amount of money for you to help you make colored glaze and docks. When the time comes, we will share the money together, okay?"

His words are also the words of the other three families.

Zhuge Jin naturally understood what they were thinking. If they invested money, it would mean that they wanted to get a share of it. At that time, the bank would no longer be their bank, and Zhuge Jin would not have the absolute right to speak.

"I thought that everyone came to me because they wanted to save money in my bank."

Zhuge Jin stood up and said: "Unexpectedly, everyone is going to force me and rob me of my bank. Excuse me!"

His attitude suddenly became very tough, telling them directly what they were thinking, that is to say, he left without stopping.

The patriarchs of the three major families changed their expressions drastically at this moment. They didn't expect Zhuge Jin to be like this, and they didn't give them a chance to talk.