big song poppi

Chapter 306 0303 [Daqi Bank]

April [-]th.

The bank across the street from the government office has opened for business. There are four large gilded characters on the plaque.

Daqi Bank!

Two days before the bank opened, Jinzouyuan had already begun to cooperate with the publicity, and the newspapers were full of news about the bank and banknotes.

Not to mention wealthy businessmen, even ordinary people know that Daqi Bank has launched a banknote called Qing Qian.

On the opening day, merchants who were qualified to sell refined salt were waiting in front of the bank early.

"Alang, the bank is here."

Hearing the reminder from the driver outside, Fei Jicai snorted from his nostrils, and with the help of his concubine, he got out of the car gently.

It has been five months since I spent a lot of money last year to obtain the qualification to sell refined salt on Liangzhe Road.

And the profits in these five months have already recovered [-]% of the original capital.

After all, Liangzhe Road is prosperous. Tens of thousands of kilograms of refined salt are shipped every month, and all of it can be sold in less than half a month.

It's not that he doesn't want to sell more, but that Guangling Salt's production can't keep up.

However, the Di newspaper said that the salt affairs in Mizhou have also begun to rectify. With the weather getting warmer, Fei Jicai doesn't know what drying method Guangling Salt Industry can use. He only knows that the output will increase sharply by then. several times.

He calculated that within three years at most, the more than [-] guan sold would be able to recover the capital, and the remaining two years would be pure profit.

Well now, the county magistrate repulsed the Western Army and gained a firm foothold.

Those businessmen who didn't think highly of County Magistrate Han and didn't participate in the auction were almost feeling sad during this period.

Thinking of this, Fei Jicai couldn't help stroking his beard, his face glowing.

When doing business, you have to be quick and ruthless.

Is there any business in this world that is guaranteed to make a profit without losing any money?

Even if there was such a deal, would it still be their turn?
He swallows slowly and is afraid of his hands and feet. This kind of person can't even keep up with the heat when eating shit.

"Brother Fei, long time no see."

As soon as they got off the car, Lu Zhilai came to greet him.

Fei Jicai smiled and cupped his hands: "Brother Lu, you are fine."

"I see Brother Fei's face is glowing. I think he has made a lot of money in the past few months."

Lu Zhilai sounded a little envious.

Due to limited financial resources, he only acquired the operating rights of Fujian Road.

Backed by Quanzhou Port, although Fujian has developed well in recent years, it is still far behind the traditional wealthy areas such as Zhejiang and Jiangnan.

Fei Jicai smiled and said: "Brother Lu, why should you be so modest? Fujian's sea routes are smooth, and refined salt can not only be sold locally in Fujian, but can also be sold overseas and make two profits. Isn't it wonderful?"

Seeing that his little secret was exposed in public, Lu Zhilai laughed sarcastically and hurriedly explained: "Overseas is a land of barbarians. They are all a bunch of poor people. It is good to have salt to eat. How can you afford refined salt? Ye Yan'an Can you taste fine chaff?"

"Hahaha!"

This metaphor made Fei Jicai laugh.

After a few words of greeting, Lu Zhilai suppressed his smile and asked in a low voice: "Brother Fei, what do you think of banknotes?"

"What can I say?"

Fei Jicai prevaricated.

To be honest, he didn't have much hope for the so-called banknotes.

Just treat it as a kind of money order to facilitate the purchase of refined salt.

Seeing how vigilant he was, Lu Zhilai said no more.

While the two were talking, more and more businessmen arrived. In addition to the businessmen running the refined salt business, there were also many small businessmen who came to watch the excitement.

creak!

Along with a thrilling sound, two vermilion doors opened from inside.

Fei Jicai smiled and said, "Brother Lu, please!"

"Please!"

Lu Zhilai chuckled.

Hundreds of businessmen swarmed in.

As soon as he entered the hall, Fei Jicai was stunned.

The layout of the bank is completely different from that of a traditional bank. The lobby is spacious and bright. There are rows of tables and chairs for resting on both sides of the aisle, which takes up [-]% of the area of ​​the lobby.

The tables and chairs made of mahogany are coated with high-quality varnish, reflecting a moist luster.

Directly opposite, there are four windows.

"This bank is quite unusual."

Lu Zhilai looked at the layout of the hall with interest.

The other businessmen, like the two of them, looked around.

Others gathered around the four counters.

The next moment, several soldiers in iron armor stepped forward and shouted: "Everyone is gone, don't block the counter, come one by one!"

In Shandong, nothing is more intimidating than the Qingzhou Army.

The merchants who were originally surrounding the counter disappeared in an instant.

Fei Jicai and Lu Zhilai were not impatient and found a secluded place to sit down.

Not long after, an employee in black uniform came with two cups of tea.

"Thank you."

Fei Jicai took the tea cup and thanked him.

Lu Zhilai chuckled and said, "This place is pretty good."

While waiting, Fei Jicai said in a low voice: "Have you heard that County Magistrate Han is preparing to open the sea?"

Lu Zhilai nodded: "Of course I heard about it and chose Jimo."

As one of the most famous wealthy businessmen in Qingzhou, they have their own information channels.

The essence of doing business is an information gap. If I know something but you don’t, then I can make money based on this information gap.

When everyone knows about a transaction, the profit margin is very small, and you can only make hard-earned money by reselling it.

"County Chief Han has a great talent and a great plan, and every move he makes has profound meaning. With the opening of the sea, Jimo may not take long to take off, replacing Licheng and becoming the most prosperous place in Shandong."

After Fei Jicai finished speaking, he glanced at Lu Zhilai and chuckled: "Brother Lu, don't you want to take the opportunity to get on this ship?"

Lu Zhilai shook his head and smiled bitterly: "Sea transportation is extremely complicated. Let's not talk about ships. Just the crew, the captain, and the charts are enough for me to drink a pot. Although I am greedy, I have no experience, so I can only watch the flow. saliva."

"Oh, so am I."

Fei Jicai sighed.

Maritime trade would really be impossible if it were not for those who were engaged in this industry.

Nowadays, nautical charts are treasures that can be passed down from family to family. They were tried out with human lives and ships. How can others share them?

Besides, experienced sailors and captains basically have their own bosses.It’s not impossible to start from scratch, but you have to be prepared to spend countless dollars to pave the way.

The two stopped talking and started chatting about some gossip.

After waiting for a while and seeing no one at the counter, Fei Jicai stood up and walked forward.

When I came to the counter, I heard the young accountant say: "What kind of business does this clerk want to do?"

"What business is there?"

Fei Jicai asked curiously.

The accountant replied: "Deposits, loans and green money exchange."

Green money?

Fei Jicai was stunned at first, then hesitantly asked: "Is this green money just paper money?"

"Yes."

The bank counter said, taking out several banknotes.

The moment he saw the banknotes, Fei Jicai's eyes flashed with surprise.

Originally, in his mind, the so-called banknotes should be the same as bills of exchange and handouts.

But at this moment, he realized that he was wrong, very wrong.

These banknotes are unique in style and extremely exquisite. The ink paintings on the front are majestic and majestic. You can tell at a glance that they were made by famous artists.

Moreover, the ink paintings on banknotes with different denominations are different.

For example, the one with a thousand guan is Mount Tai, the one with [-] guan is Mount Laoshan, the one with [-] guan is Mount Yi...

Fei Jicai asked: "Can I pick it up and watch it?"

"Naturally."

The cashier smiled slightly, not worried at all.

After all, just outside the hall, a group of Qingzhou troops were stationed, and they were simply too impatient to dare to grab banknotes.

After receiving the cashier's approval, Fei Jicai picked up the thousand-guan bill and looked at it carefully.

The green money is much thicker than the ordinary money order, and there are faint watermarks in the shape of copper coins on it.

Shake it gently and you can hear a crisp swishing sound, which is very flexible.

It can be seen that Qingqian uses high-quality paper.

After looking at it carefully, he couldn't help but frown slightly: "May I ask how you can tell the authenticity of this green coin?"

Generally, money orders, including previous Jiaozi, have text or graphic secret codes, which are changed regularly.

In this way, anti-counterfeiting can be guaranteed to a certain extent.

But this banknote was exquisite, but he looked for it several times and couldn't find any anti-counterfeiting features.

As a banknote that can be circulated in the market, anti-counterfeiting is a top priority.

"Look again."

The accounting room is slightly mysterious.

Hearing this, Fei Jicai became interested and looked at the green money in his hand again.

hiss!
Suddenly, he took a deep breath.

Just when it was turned over, the look of the Taishan picture on the green coin seemed to have changed.

After trying it a few more times, he was pleasantly surprised and said, "It's amazing! It's amazing!"

He has traveled all over the country for so many years, and he has seen pigments that can change colors several times, but they are all paints, and this is the first time he has seen them as ink for printing on paper.

No wonder there is no written secret order on the green coins. The color-changing ink alone is enough to identify the authenticity.

It is both convenient and difficult to imitate.

At first, he was not optimistic about paper money, but now he feels that it will not be long before this kind of exquisite and lightweight paper money will be circulated in Shandong.

The accountant spoke at the right time: "Any money that cannot change color is definitely counterfeit."

"I see."

Fei Jicai nodded.

The accountant asked: "Is this clerk planning to exchange money?"

"Change!"

Fei Jicai naturally wanted to change: "But I don't have any money with me right now. I will get some money when I get home and change it later."

Putting down the green money with some reluctance, he asked again: "Your bank... what is the interest rate for bank loans?"

The accountant answered truthfully: "Currently, there are two types of bank loans, one is long-term loan and the other is short-term loan. Long-term loan starts from three years and the annual interest is eight percent. Short-term loan starts from one month and the monthly interest is one cent."

"How many?"

Fei Jicai was stunned, thinking he heard wrongly.

Not too high, but too damn low!

Many people don't know that the loan sharking industry was extremely prosperous during the Song Dynasty.

The monthly interest rate of private banks is about three cents.

Taoist temples and temples are even more ruthless in loan sharking, often leaving at nine times and returning at thirteen times.

If you borrow a thousand coins, you will actually be given only nine hundred coins. The one hundred coins will be regarded as a handling fee. When you return it, you will have to pay back one thousand three hundred coins.

Even for the official forbearance office of the Zhao and Song Dynasties, the monthly interest rate was as high as two cents.

In comparison, Daqi Bank's loan interest is almost like doing a good deed.

"really?"

Fei Jicai felt short of breath and his heart was beating fast.

The accountant said sternly: "Of course it is true, but before a bank loan can be made, it needs to be strictly reviewed to confirm that the other party has the ability to repay and that the mortgage is correct before the loan is granted."

"this is necessary."

Fei Jicai responded quickly.

Since the interest rate is so low, the review will naturally be stricter.

Seeing this, the accountant asked with a smile: "Can I ask for a loan?"

Fei Jicai replied without hesitation: "I want to borrow ten...20 yuan!"

County Magistrate Han wants to open the sea, and this news contains many business opportunities.

Whether sea transportation is good or not, Fujian has already given the answer.

Lingnan, originally a wild land, suddenly became a prosperous place because of its reliance on Quanzhou Port.

Although he doesn't know anything about shipping, he can do other businesses!

Casinos, restaurants, brothels, horse racing shops... As long as they can seize the opportunity, be the first to occupy the market share, and rely on shipping, why not make money?
When he heard the 20 yuan, the accountant's eyes suddenly lit up and he invited: "Please invite me from outside."

(End of this chapter)