Eighth year of Chongzhen

Chapter 201 Help
Wang Jingwen was impatient after hearing Zhang Quanzhi's words: "I said shopkeeper Zhang, I understand your name's rules, but there are always exceptions to everything, right? I, Mr. Wang, have been in the sugar business for more than ten years, and I have never cheated others. If you don’t believe me, you can go to the sugar factory in the town to inquire about it. I spend half a year in Jun’an and Zhangpu every year. Almost all the people in the sugar factory in the two towns know me. You can ask them. I once said that Wang is not right? Shopkeeper Zhang, I am a businessman from out of town, and I really have nothing to use as collateral, but I am also a person with a lot of money, so I will kill myself because I borrowed your 2000 taels of silver. Is there a way?"

Zhang Quan said with a smile: "Don't be impatient, Wang Yuanwai, I will consider what I say just now. How about this, Wang Yuanwai went to the town to find the owner of Tangliao who is familiar with him, as long as he finds five joint guarantees, the account will release the money With you, the monthly interest is [-]%, and the monthly interest is paid for less than a month! This condition should not be too much, right?"

While talking, Li Chong and Li Xing brothers stepped into the living room of the ticket office.

Different from the pawn shop, the counter room set up by Sihai Bank in the town did not set up a high platform indoors to separate it from customers, but divided it into two living rooms, large and small, to receive customers who came to negotiate business. Customers with less than 2000 taels of silver will negotiate in the large living room, while large customers with more than 2000 taels will go to the small living room for contact.

The reason for this is very simple. In consideration of safety and maintenance costs, all the bank loans for banknote loans are stored in the warehouse of Jinyiwei Hundred Households Office in Xinghua County.Because the county seat is only more than twenty miles away from Jun'an and Zhangpu, as long as the negotiation is completed here, the cash will be escorted by Jin Yiwei and handed over to the borrower.

Li Chong was taken aback when he saw Wang Jing was here, and then he hurriedly bowed his hands and saluted, "Mr. Wang is in front of you, the villain is being polite!"

Wang Jing is also the main customer of the Li family's sugar restaurant. Most of the white sugar produced by the Li family is taken away by Wang Jing. The two parties have been dealing with each other for several years and are very familiar with each other.

Wang Jing immediately beamed with joy when he saw the two Li Chong brothers. Before he could return the courtesy, he hurriedly got up and walked to Li Chong, took his arm and walked to Zhang Quanquan and said repeatedly: "Look, look, shopkeeper Zhang!" , The Li family has opened Tangliao for many years, you can ask the brothers of the Li family, how is I, Mr. Wang, creditworthy?"

Zhang Quan took a look at Li Chong and his brothers, stood up and cupped his hands and said with a smile: "How can you call me? Is it for a loan? Please sit down quickly, Li San, and serve tea quickly!"

Li Chong broke free from Wang Jing's pull, cupped his fists in return and said, "The villain's name is Li Chong, and this is the villain's younger brother Li Xing! I heard that your account is lending money outside, so I came here to inquire about it!"

He travels to and from the counties and towns all year round to buy various supplies, so his conversation is very decent.

Li San, the clerk at the ticket office, brought up the teapot and teacups. Zhang Quansu asked them to sit down separately. Li San poured tea for everyone and stood aside.

After Zhang Quan returned to his chair and finished, he said with a smile: "Ganqing Wang Yuanwai is very familiar with the two of you, haha! My account has only settled in the town not long ago, and I, Zhang Quan, is the shopkeeper of the Four Seas Bank. I'm new to your place and I'm not familiar with the people in the town, so I still look forward to Haihan if I don't know anything! If you have anything to ask, Li's little brother, just talk about it!"

Although Wang Jing was eager to borrow money, seeing the Li family brothers coming, he couldn't help but feel moved, so he suppressed his temper and waited quietly for Li Chong to speak.

Li Chong clasped his hands and said, "Since Mr. Zhang has something to say, I'll just say it straight. My two brothers came here today because they want to borrow money from your account for the expansion of my Tangliao! Dare I ask if your account has a loan?" What's the rule? Please ask Zhang Yuanwai to speak out!"

Zhang Quan said with a smile: "My rules are simple. I would like to hear about the situation of my little brother Li's Tangliao and the matters involved in the planning and expansion before I inform you. Little brother Li might as well explain it in detail. I will talk about it from now on." Li Xiaoge made a judgment in his words, and after a visit, he will make a decision himself!"

Before Li Chong could speak, Wang Jing interjected, "Brother Chong, if your Tangliao expands, can all the frosted sugar and rock sugar produced be underwritten by Mr. Wang? The price will never let you suffer!"

Li Chong was stunned for a moment, then smiled and clasped his fists and said, "Mr. Wang is really impatient. The expansion is still out of the question right now. Will we talk about it in the future?"

Wang Jing couldn't help laughing when he heard the words: "Wang is really impatient, haha! You talk first, you talk first!"

Li Chong clasped his fists at Zhang Quan and said, "Mr. Zhang, my family has opened a sugar house for five years. At home, we have ten mu of sugarcane fields, a juicer cart, a bullock, and several large pots for boiling sugarcane juice." , producing more than ten stones of black sugar, one or two stones of white sugar, and rock sugar every month. My father and younger brother have excellent sugar making skills. My two brothers want to build a large sugar mill, and it is expected to buy about 20 bullocks, hire 1000 workers, and need to borrow [-] taels of silver from your account, please let Zhang Yuanwai tell you the truth about it!"

After listening to Li Chong's narration, Zhang Quan secretly thought about it.

He knew that the head office did not intend to make profit from lending as an instruction. Although he did not know the intention, it did not prevent him from making corresponding judgments based on the instructions.

Although the Li family’s sugar production was not long ago, they have ten mu of sugarcane fields, which can be used as collateral; when they have enough money, their family will purchase and store the sugarcane grown by farmers in the town, and the raw materials are no longer enough. In addition, judging from Wang Jing's eagerness to underwrite Li's cane sugar just now, this shows that the Li's sugar production skills should be good, not to mention that the amount of the loan is not large, so there should be no problem with this loan.

Thinking of this, Zhang Quan made up his mind.He turned to Li Chong and said: "From what Li Xiaoge said just now, I think there should be no problem; how about this, Li Xiaoge will go back and get the land deed and Tangliao land deed as collateral, and I will temporarily keep it , and then return it on the day of repayment of the loan. After taking it, Brother Li and Bihao will sign the loan paperwork, and Bihao will hand over the cash on the second day, and the monthly interest will become a plan, how does Xiaoge Li feel?"

Li Chong and Rationality looked at each other and then nodded at the same time. Li Chong said: "Now is the critical season for sugar production. The villain and his family are unable to get out of the sugar house. The expansion can only be carried out around Qingming." It is said that my family will all agree, and only need to make a written statement at that time! Does Mr. Zhang think it is appropriate?"

Zhang Quan nodded with a smile and said: "It's suitable, I know about it in detail, if Brother Li's Tangliao is short of cash to buy, I will lend you within 100 taels, and the monthly interest is also [-] taels." become!"

In Zhang Quan's eyes, no matter how small a mosquito is, it is still meat. Since the big head of 1000 taels is still a few months away, the small amount of loan interest can be regarded as a profit.I was assigned here, and I haven't brought any profits to the firm so far, so I'm always a little uneasy, no matter how big or small the amount is, it's okay to open the business first and make the first business.

Although the Li family sold some cane sugar a few days ago, they needed money to purchase all kinds of expenses, especially during the peak season of sugar production, which required a large amount of sugar cane to be purchased and stored.The sucrose will only be bought by merchants after a certain amount has been collected, so money is really urgently needed now.

After hearing Zhang Quan's words, Li Chongxi said: "What Zhang Yuan said is serious? Is there a mortgage for a 100 tael loan? When will I get the money?"

"There is no mortgage required, and the money can be taken away with a document! If Brother Li needs it urgently, we can handle it now!" Zhang Quan replied with a smile.

For a bank, 100 taels is not a big amount, and since the Li family is a local farmer, he is not worried about any problems.

Li Chong hurriedly nodded in agreement, and Li San, who was standing aside, hurried to get a pen, ink and paper.

Seeing that the Li family had negotiated a loan in just a short while, Wang Jing became anxious again.

He turned to Zhang Quan and said, "Master Zhang, can Mr. Wang let the Li family be the guarantor?"

"Of course, as long as Yuanwai Wang finds the other four families, my account will present the cash right away!"

　Reply to the book friend’s question: Silver tickets will definitely be issued, but I gave up on silver dollars after thinking about it, because that requires mechanical minting, and Daming can’t do it. In the future, I will go to Europe to get machines.

　　
　
(End of this chapter)