Call of Heroes: A History Only I Know

Chapter 68 Give you a chance to make a fortune! (Seek to follow up)
As long as you are not a fool, you can basically realize the problem.

If everyone saves money for one year and then withdraws it, how will this bank pay the high interest?How do they make money?
As a qualified landlord Lao Cai, Qi Xiangyun is still very keen on this economic issue. He immediately realized that something was wrong with this bank, and secretly clicked his tongue: "This bank is not a scam, is it?"

Hearing Qi Xiangyun's words, the people in front turned around and said with a smile: "Everyone feels that something is wrong with this bank, so although there are many people watching and talking, it seems that there are not many people going in to save money for a while. Everyone is very worried about the reputation of Cheng Jin Bank, what if they are a liar?"

"Yes, if you want to save money, it is more reliable to find those time-honored banks." Qi Xiangyun nodded, and then he was a little moved: "But their interest rate is really eye-catching, if it is true... …That basically earns a lot of money for nothing every year.”

As soon as these words came out, several people around him echoed.

"Yeah, a lot of money in my house is also stored in ashes. It would be great if I could earn interest."

"Yes, that's the truth."

"But the problem is, I'm afraid that the Cheng Jin Bank is unreliable."

"How do they make money?" Qi Xiangyun asked, this question is very important, it can be said to be crucial.

"According to the people in Cheng Jin Bank, part of their business relies on lending, and more depends on Cheng Jin Chamber of Commerce to make money! In the past few months, Cheng Jin Chamber of Commerce has earned tens of millions of dollars by selling ice cubes!" A person next to him said: "They also said that the funds raised this time will also be used for the commercial bank to invest in business, so they will give such a high interest rate."

"I'm a little moved by what I said, but I'm still a little worried. It's all my savings, so it's better to lend it to my family's farm laborers." Qi Xiangyun shook his head and said.

Landlords lending money to farm laborers are out of nine out of [-], which is even more exaggerated than the highest interest rate of Cheng Jin Bank.

The so-called "nine outs" are not the principal of the loan but nine. For example, if you borrow 1, the nine outs will only give you 9000, and the deducted 1000 can be said to be "handling fees"; You have to pay back 1.

You know, as long as you sign the loan agreement, you can pay back the same amount the next day.

And the term of this loan is usually one month, or three months as a period, and the money must be repaid when it expires, otherwise it will never be repaid under the compound interest rate.

It is also by relying on this method of borrowing that the major landlords were able to merge the land smoothly, allowing countless farm laborers to work for themselves for free.

Although Qi Xiangyun said so, he was already a little moved. After all, how much money can he make by lending usury to farmers?
This group of peasants is already so poor that they don't have much to squeeze out. No matter how high the interest on the loan is, if they can't get it back, or if no one lends, they can't make money.

After hesitating again and again, Qi Xiangyun asked the accompanying servants to clear the way ahead to help him pass through the crowd.

Soon, Qi Xiangyun walked into Cheng Jin's bank. He didn't know if he didn't come in. When he came in, he found that there were already many people saving money here, each of them was holding a box or a bundle, and clasped his hands tightly. Most of them are gold and silver treasures.

A well-dressed man like Qi Xiangyun, with four servants beside him, can tell at a glance that he is rich. If he walks into other money houses, someone will greet him immediately, and he will be greeted with good wine and tea. He came here, and after a while, no one came to greet him!

What a faux pas!
Qi Xiangyun frowned, how could a distinguished guest like me be treated so contemptuously?

Qi Xiangyun felt insulted, he immediately grabbed a young man, and then he opened his mouth, but the curse turned into a question: "What is the regulation of saving money here, and how to ensure safety?"

"Oh! Don't drag me!" The boy was pulled, and said impatiently: "Didn't you see someone queuing up there? You have to get the number first, and then go to the counter to go through the procedures for depositing money. Then Isn’t there a notice posted next to it? Are you illiterate? Just look it up and you’ll know!”

Being humiliated by a servant like this, Qi Xiangyun was very annoyed, just about to explode, but was pushed away by the people beside him, "Excuse me, excuse me, it's my turn to save money!"

"Huh? Brother Qi, are you here to save money too?" The man recognized Qi Xiangyun and asked in surprise.

"Brother Shi, are you here to save money? How much are you going to save?" Qi Xiangyun was taken aback when he saw Shi Yugui, and asked hastily.

"I don't save much, only ten catties of gold!" Shi Yugui said with a smile.

"So much?" Qi Xiangyun was a little surprised.

"Yes, only ten catties of gold, that is, one hundred thousand yuan, can enjoy the interest of [-]% a year." Shi Yugui patiently explained: "There is an announcement over there, Brother Qi will know it at a glance, I will save money first. "

"Okay." Qi Xiangyun nodded helplessly.

Then he came to the place where he queued up and glanced at the announcement posted by the bank. There were procedures and procedures for depositing money written on it, and each step was clearly written. Next to the announcement, deposit instructions were posted. , the announcement of how much interest will be enjoyed, and each piece of information has a detailed introduction.

The Chengjin bank has a minimum deposit of [-] yuan.

There is also the difference between dead and alive.

Dead savings means a specified period of time, such as three months, such as one year, and at most three years. The longer you save, the more you save, the higher the interest you enjoy, but if you withdraw it halfway, the interest will be higher. It is equivalent to all gone, and it must be expired before it can be taken out.

The highest interest period is three years, and the deposit with the highest interest is 5000 million yuan, a total of [-]%, and after three years, you can get [-] million yuan!

But if it is saved alive, the interest rate is very low, and you can only enjoy one-third of the interest for a year, no matter how much money you save, it will be three-point, but the advantage is that you can withdraw it at any time, and there is some interest.

But this interest rate is considered an extra. Many people don't like it at all, but in fact, if you calculate it carefully, it is not too low. If you calculate it with 300 million yuan, it will be [-] million yuan a year!

Thinking of this, Qi Xiangyun's eyes turned slightly red. Originally, he thought that the Chengjin Bank might be a scam, but now looking at the detailed deposit introduction, he somehow felt that it was a bit reliable...

Thinking of the arrogant attitude of that boy towards him just now, if he hadn't had some support, he would never have been so arrogant!Because others are begging them to save money!Instead of them serving others!Arrogance is also justifiable!
At this moment, Qi Xiangyun suddenly heard someone shouting at the counter: "The first batch of deposits is about to be used up, the total is 5000 million yuan, and there is still 5000 million yuan in deposits, and we will not accept it when the deposit is exhausted." I have made a deposit, and I can only wait for the next batch of deposit figures to come out! It may be three months, or it may be half a year!"

"What? You still have a deposit limit?" Qi Xiangyun was a little taken aback. How can you open a bank and not let people deposit money?At the same time, I can't believe that in such a short period of time, so many people have saved [-] million yuan?
God, do these people's money come from the wind?Are you really not afraid of being cheated?

"Otherwise, if the deposit limit is not limited, wouldn't we have to pay countless interest? We are a business that uses money to make money. The bigger the business, the more funds we need, so we opened this bank to give It's just a chance for you to make a fortune together!" The one who spoke was Ji Renyong, the treasurer of Cheng Jin Bank, speaking with full confidence at the moment.

Shi Yugui, who just said that he would deposit ten catties of gold, immediately changed his words: "I will deposit twenty catties of gold, no, fifty catties! I will send someone to bring the gold right away!"

Seeing this scene, Qi Xiangyun who still had some doubts was completely jealous, he was in a hurry!

(End of this chapter)