Destiny Only Han

Chapter 1038 Liu Ying: I am a bull and a horse for my children and grandchildren...

"Bank credit?"

Lu Gong stared: "Isn't this the kind of loan sharking among the people?"

Liu Ying nodded: "Yes and no."

Lu Gong asked: "Why is it right and not law?"

Liu Ying said with a smile: "It is true that bank credit is usury money, but the interest rate is lower than usury money."

Lu Gong asked: "If it's lower, how much lower can it be?"

After all, he used to be a businessman. Although he has stopped doing business since his family moved away from Peixian County, he is still very interested in this kind of money-making thing. When he lived in Wangfu Villa, he would often attract several businessmen to listen to them. tell a story……

"Three points of profit." Liu Ying raised three fingers in turn, but she was facing Zhang Buyi, who was sitting in the pavilion and chatting with Liu Fei.

Well, the first thing he raised was his middle finger...

But no one here knew the meaning of this gesture.

Therefore, Lu Gong pondered and nodded: "The monthly profit is three points and the annual profit is 36, which is indeed not high!"

Liu Ying was stunned.

He waved his hand and said: "It's not monthly profit, but annual profit, three points per year!"

Well, it's 3%.

This time, it was Lu Gong's turn to be stunned.

Not only Lu Gong, but Liu Bang, Lu Pheasant, Lu Wan, and Lu Ze who heard Liu Ying's words all stood still, their faces full of disbelief.

After all, the annual interest rate is [-]%, which is not much different from borrowing money for nothing!

In an instant, there was no sound.

At this time, Liu Yan's voice jumping up and down and shouting "Feifeifei" seemed very harsh.

Whose poor child has someone to take care of but no one to take care of him... Liu Ying stared at the green bamboo in the garden and wanted to pull one out and slap him, but she didn't dare.

Without him, Lao Liu has a thick and long crutch in his hand...

Liu Qi noticed that Liu Ying's expression was abnormal, and immediately took Liu Yan's little hand: "Let's go, big brother will take you closer to see the balloons!"

Liu Yan raised his face and said with a sweet voice: "Then, can I sit in the basket over there?"

Liu Qi looked at Liu Ying and flatly refused: "No!"

Liu Yan suddenly shouted unhappy.

After all, he had grown up doting on him, and except for his own mother who didn't like him, she always responded to everything she asked for. When Liu Qi refused, the child's willful temper suddenly came to the fore.

If the ground hadn't been so hot right now, he would have been lying on the ground rolling around!

Liu Qi was a little at a loss.

Liu Ying said "gloomily": "Shout, write a big character today!"

The next second, Liu Yan shut up and held Liu Qi's hand: "Big pot, let's go see the balloons!"

As he spoke, he dragged Liu Qi forward without looking back, like a wild bull pulling a cart...

Liu Bang and Lu Pheasant looked at each other and saw the same thoughts in each other's eyes.

One thing falls one thing.

How can a naughty kid at any age defeat a naughty kid in his twenties?

But at the same time, three more words appeared in the minds of Liu Bang and Lu Pheasant.

Xiao Liu Ying.

In addition to not being as smart as the young Liu Ying, that naughty child's personality and temperament are just like Liu Ying's when she was a child!
Lu Pheasant shook his head slightly, and three more words appeared in his mind than Liu Bang.

Little Liu Bang.

Whose seed really resembles who... Lu Pheasant sighed in his heart.

On the other side, Lu Gong finally recovered from the shock on his face.

He still asked with some uncertainty: "Three-cent interest per year? Are you sure?"

Liu Ying nodded: "Of course, this is a commercial loan. As for home loans for people to repair their houses or purchase residences, the annual interest rate is about 5.00% to [-]%, depending on the value of the collateral and the term of the loan. It depends..."

Liu Bang frowned and asked: "Why are the discounts given to businessmen more than those given to common people?"

Lu Ze also said on the side: "Although the country is not rich without business, it must be people-oriented in the end. You must clearly understand who is the foundation of the country and think twice before doing anything!"

"I'd like to learn from you." Liu Ying held her hands casually, and then said with a smile: "The interest rates are different, mainly because of the different ways of using the loans. Although people's home loans will also increase employment and industrial development, most of the money It will still quickly flow back to the Royal Bank, and the liquidity will be worse.”

Lu Ze nodded: "That makes some sense."

Liu Ying continued: "Commercial loans are different. Compared with home loans, this money circulates in the market for a few more steps before it returns to the Royal Bank. In this way, the entire Dahan's industry and commerce will be revitalized!"

"My grandma has been a merchant, so he naturally knows how difficult it is to do business."

"The most difficult thing is that there is not enough capital and cash flow that can be withdrawn at any time. For this reason, we have to borrow usury money from powerful investors with high interest rates."

"Therefore, I keep the interest rate low so that Dahan's business can flourish even more!"

Liu Bang asked: "Then, aren't you afraid that they will run away if they don't pay back the money they owe?"

Thinking that everyone is like you... Liu Ying's face was filled with contempt.

Liu Bang was stunned and gritted his teeth.

He swore that if Mr. Lu were not present today, he would definitely let this guy know why the flowers were so red!

Lu Pheasant smiled teasingly, looked at Liu Ying and asked: "Your father is right, thousands of people have thousands of faces, this kind of thing will inevitably happen..."

Liu Bang was furious.

This woman is always at odds with him. Tonight, he will feast on venison and drink tiger wine, and then fight her for three hundred rounds!
Lu Pheasant's face was full of disdain.Liu Ying was too lazy to pay attention to the flirting between the elderly couple next to her, and said to herself: "Therefore, unlike the Royal Construction Bank's common people's home loan, the Royal Commercial Bank's commercial loan requires a guarantee."

“In addition, the guarantor’s capital must be verified, which means that the other party’s title, land, property, and other information must be registered.”

"That way, everyone is happy."

Lu Ze nodded.

This is normal. Even if the private sector borrows money privately, there must be intermediaries, guarantors and witnesses.

Especially witnesses.

Usually, a child is found, the lender gives him a sum of money, and then has someone beat him up, so that he will remember the beating and will never forget it...

After all, before there were high-speed trains and planes, carriages and horses were very slow and letters were far away. Many merchants would need three to five years to return from a trip...

It's a pity that the children in the city have lost another opportunity to support their families... Lu Ze sighed silently.

Liu Ying looked at Lu Gong: "My grandma might as well call that person later and tell him about this... Well, if he still wants to be a merchant, then go to the Royal Bank of Commerce, and never go to the Royal Industrial and Commercial Bank. bank."

"The latter specifically lends money to factory owners and store owners who are short of money to build factories and run shops..."

"There is also the Royal Agricultural Bank, which is a bank dedicated to farmers..."

"These two banks are looking for good collateral. Businessmen are chasing profits and don't have much real estate as collateral, so if they go to the wrong place, it may be difficult to get a loan."

Lu Gong nodded.

He loves talking on the phone the most.

You can't get enough of this novel thing where both parties are far apart but can still hear each other's voice!
Therefore, he has been working hard to live, wanting to see more of this big man who is changing with each passing day, so that when he and his parents and wife gather in Jiuquan in the future, they will have endless things to talk about!

So, the old man picked up the hem of his clothes and walked towards his room with a clatter.

Upon seeing this, Liu Le hurriedly chased after him, following closely behind Lu Gong.

Looking at Lu Gong's retreating back, Liu Ying's face was filled with a smile.

The reason why he engaged in this kind of commercial loan was not only to crack down on the powerful loan sharks, but also one of the important reasons was that there was too much money in the royal treasury.

To be precise, there is too much gold and silver.

In today's era, only the Han Dynasty has the technology of large-scale navigation, and the countless gold mines in the known world are basically ownerless things.

And things without owners can only be owned by the virtuous!
A big man, full of virtue.

Naturally, more than one cargo ship loaded with gold and silver docked at the port almost every day.

But the key to the problem is that if gold and silver cannot circulate, they are not much different from iron lumps.

To this end, he set up a bank and launched commercial loan services, allowing the precious metals in the royal treasury to become currency circulating in the Han market.

There is a saying well.

If a person is forced to pay off 300 million points in 30 years through force control, he will violently resist, try to lie down and work passively, or even run away.

But if a person who owes 300 million points is asked to repay it in 30 years through economic means, he will not resist at all. He will even think that this is his ability, work harder, laugh at those who cannot borrow money, and pay back the money. Will try to borrow more money...

Therefore, banks are the answer.

This can save Liu Ying from the guillotine and just be hung to a telephone pole...

Of course, Liu Ying can provide low loan interest because there is no deposit interest now...

On the contrary, many small banks require handling fees for depositing money. People go there to deposit money so that they can withdraw money in other places.

Without him, money is too heavy, and it is not safe to carry too much money with you when you go out. It is easy for someone to take advantage of your wealth and lose your life...

Therefore, the way Liu Ying wants to speed up Royal Bank's takeover of market share is to not charge money for deposits!

In order to leave an iron-clad empire for those little brats, I have tried my best... Liu Ying took a deep breath and decided to reward herself.

Well, it has nothing to do with the harem.

After all, when you pick your nostrils with your fingers, it’s the nostrils that feel comfortable instead of your fingers...

Therefore, Liu Ying looked at Liu Bang, Lu Wan, and Lu Ze, and asked: "There will be a new car championship competition in Xinfeng City in a few days. Do you want to watch it together?"

"Car King Championship?" Lu Ze was a little confused.

"It's just people driving modified carriages, circling and colliding around the arena..." Lu Wan explained vividly: "The carriage that didn't fall apart in the end is the king of carriages and gets all the prize money in the prize pool!"

Lu Ze frowned: "What's there to see? I won't go. I'll just stay here in Linguang Palace to escape the heat."

Well, he mainly wanted to stay with Lu Pheasant to chat and drink tea.

After all, he is a girl-controller...

Liu Ying smiled and said: "That's okay. But this car championship is different from previous ones. There will be many new cars and new players..."

Lu Pheasant's eyes lit up: "Count me in!"

Liu Bang looked at her in surprise: "Are you going too?"

"What? You men can go, but we women can't?" Lu Zhi glared: "Don't forget, the last time I went hunting, I was the only one who caught the prey!"

Liu Bang: "..."

Liu Ying nodded: "Okay, when the time comes, I will save a super VIP seat in the front area of ​​the infield for my mother!"

Lu Pheasant turned from anger to joy and rubbed Liu Ying's head vigorously.

It was right to avenge a kindness with revenge... Liu Ying was helpless, but she could only lower her head and let her mother feel comfortable.

At this time, Lu Ze suddenly changed his mind: "In that case, I'll go and join in the fun. Anyway, I have nothing to do..."

Liu Bang and Lu Wan looked at each other and showed a knowing smile.

(End of this chapter)