Call of Heroes: A History Only I Know

Chapter 75

In the blink of an eye, January passed, and the bank run incident at the beginning has passed.

Ever since the government took over the business of the bank, they have directly used the government's means to extort loans, and I don't know how many families have been ruined.

As the saying goes, banditry is like combing, soldiering is like shavings, and officials are like shaving.

The methods of the officials and lords are much more powerful than those of the private debt collectors.

For a time, the people of Nanyang County were full of complaints and complaints.

But Fujun Gaisheng's reputation is getting better and better. Many people praise him and write books.

Gai Sheng's virtuous name soon spread to the neighboring counties, and even Luoyang, the imperial capital, could hear the voice of praising Gai Sheng, the wise governor.

After hearing the news, Emperor Liu Hong praised Gai Sheng greatly, and praised him as: a capable minister who governs the world!
When Gai Sheng heard the news, he was overwhelmed with gratitude, and wished he could immediately go to the imperial capital to have a candle-night chat with Liu Hongbing, and tell him about his loyalty.

The reason for this situation is also very simple, because the people who borrow money from the bank are all poor people. If they are not desperate, who would want to borrow usury?
Those who can save money in the bank are basically rich people, either gentry landlords, big businessmen, or aristocratic families. There is too much money to put it, or it is convenient for doing business, so they deposit it in the bank.

This group of people holds the right to speak in the local area. Gai Sheng is willing to take over the major banks, use government means to pursue loans, and repay their savings. Isn't this a sign of wisdom?

So they sing the praises of it, no problem at all!
It's ironic, but also very real.

And Su Che also understood that when the situation became like this, he had to bear part of the responsibility. He indirectly caused such consequences, as the saying goes: "I didn't kill Boren, but Boren died because of me."

It is a true portrayal of the moment.

Su Che is not someone who likes to be hypocritical. All he can do is to do better.

After the death of the old bank, Cheng Jin Bank, as the new bank, is no longer in the business of usury, but low-interest loans.

Cheng Jin Bank’s loan interest is very low. It only needs to pay 15% of the principal as interest a year, which is [-]% annual interest. At the same time, the loan money is also very limited-the goal is very clear, this is Loans for ordinary people.

So even if a person with a dark heart wants to borrow money to lend money, it is basically impossible.

Such loan interest, even in modern times, is not usury.

Some software loans are higher than this.

The definition of usury in the market is more than 36% to be classified as usury.

15% loan interest, in ancient times, is simply unimaginable.

If it weren't for the nine out of nine and thirteen returnees, there wouldn't be so many families destroyed, and there wouldn't be so many land mergers.

If it were just a few days ago, if Su Che dared to borrow such a low interest rate, those landlords, wealthy families and big families would mobilize and besiege you, trying their best to ruin your business.

How can we lend money with such a low loan?Isn't this disrupting the market?

This is a malicious low loan!

But after those dozens of banks were wiped out by Su Che, this formed a deterrent force. For a while, no one dared to do anything to his bank.

They can only try their best to prohibit their hired farmers from leaving the village and go to other places to borrow money.

In addition, Su Che also gave the guys in the bank a very good treatment, and the salary level is far above the average. This will also be attacked by a group of people - you give such a good treatment, isn't this a malicious salary increase?It is also disrupting the market, making it impossible for everyone to do business properly!

It is worth mentioning that, in order to meet the increasingly enthusiastic market demand, when Su Che's Chengjin Bank opened more than a dozen branch banks in Nanyang County, it was inevitable to recruit employees from the former old bank's buddies and shopkeepers.

When they saw these behaviors of Cheng Jin Bank, they couldn't understand. They all suggested to Su Che to increase the interest on the loan. The annual interest rate of [-]% is really too low!

With such a low interest rate, how can the bank make a profit?
After Su Che heard these people's suggestions, he couldn't laugh or cry for a while. These employees were also from poor families. Even if the bank's usury interest was high, they didn't get any share, but they could completely stand on the side of the bank boss. Think about the problem and try your best to squeeze those who are also born in poverty.

Su Che didn't say anything, but just rejected their request, and told them that Cheng Jin Bank does not rely on these loans to make profits, but mainly relies on commercial firms to make money, so they don't need to worry about the profitability of Cheng Jin Bank. Just do your own thing.

And one month after Cheng Jin Bank opened, among the first batch of people who saved money, they only saved for a month, and came to Cheng Jin Bank full of expectations. take out.

If it’s just for one month, the interest is not high, but in their view, the interest money is money for nothing, there is no need to bother to borrow money, and then to recover it, you can just lie down. There is nothing more comfortable than getting interest.

Soon, when they successfully withdrew their principal and interest, the group of people were so excited when they saw the interest money.

"It's really interesting!"

"This Cheng Jin Bank really pays interest!"

"Haha, it's really interesting!"

Although Cheng Jin Bank has interest on saving money, which was known a month ago, but the moment they saw the interest money with their own eyes, this group of people inevitably became excited.

Some people cheerfully took the money home with the principal and interest, publicized this matter everywhere, and showed it off to everyone they met.

There were also people who wanted to deposit again and continue to earn interest, but unfortunately they were told by Cheng Jin Bank that the deposit had been used up, and Cheng Jin Bank temporarily refused to accept deposits and asked them to wait for the next batch of deposits to come out.

This kind of answer made them very regretful. If they had known that there would be real interest, they would have saved it for a longer time last time, and the interest would have been even higher. Save more, save longer!
The news of taking out the interest from Cheng Jin Bank quickly spread, one spread to ten, ten to hundreds, and gradually spread throughout Nanyang County, making Cheng Jin Bank, a name that had gradually disappeared from people's sight, come alive again, and There are more voices of discussion.

Many people who had saved money before and withdrew the money the next day felt regretful and wanted to slap themselves in the face. When they saw their wives coming over, they scolded: "Why did I just listen to what you, a prodigal bitch, say? Jin Qianzhuang is a lie, and now people have withdrawn the money with interest, how much money have I lost!"

Those who didn't take out the money, that's a pride, and started all kinds of high-profile publicity about their deposits in Cheng Jin Bank, and they can lie down and get interest, which is not too comfortable.

When the incident came to an end, even Zhang Zonghan, who had just returned, came to Su Che himself and asked, "What's the matter with your bank? Why do so many people ask me if you have any savings in your bank, and can you leave?" A way to deposit it in your bank?"

(End of this chapter)