Sui Dynasty: I, Yang Guang, am both scrupulous and stable

Chapter 262
After entering the gate of Xiliang Bank, there were three passages leading to three halls respectively. Xiao Xuan explained to them: "Because Xiliang Bank was just established not long ago and there were not enough big houses in the city, so the bank hall was divided into three parts. A new hall is also being built now, which will be only slightly smaller than the court hall."

"Does it need to be on such a large scale?"

Xiao Xuan smiled distressedly: "Hey, there are so many people coming to the bank every day. People who save money and borrow money come every day."

"Aren't you afraid of borrowing money and not paying it back?"

"Don't be afraid. We have issued an identity certificate to all depositors of our Xiliang Bank. If they want to borrow money, we will investigate their identity background and evaluate their repayment ability. How much money can be borrowed for those who have a house and how much money can be borrowed for those who do not have a house? Borrowing, etc. are all categorized, and if the reason for borrowing must be clearly stated, such as taking on a court project, how much can be borrowed, or how much can be borrowed to build a house for oneself, and gradually we will figure it out, and we will have a pattern."

Hearing what he said was clear and logical, Yuan Xian said: "It sounds like your lending method is very conservative."

"It seems that Mr. Yuan Xian is proficient in this."

"I also have a bank in my family, so I know a little bit about it."

Xiao Xuan nodded: "Theoretically, our lending policy is very conservative."

"But in the business of a bank, it's not enough to just rely on people saving money. If you want to make money, you have to rely on borrowing. Otherwise, you will definitely be unable to make ends meet."

Xiao Xuan smiled slightly: "Because the first job of our Xiliang Bank is to lend money to the imperial court."

"Lend money to the imperial court?"

"Or it's a project loan provided by the imperial court. You saw our highway project on the way here, right? To undertake a highway project, all the funds required must be borrowed from the bank."

Yuan Xian thought for a while: "If you turn the left hand over the right hand, it won't add much money to the bank."

"But, sir, do you know how much money the banks borrowed for the newly built houses along the highway?"

"How many?"

"I can't tell you the specific number. Anyway, there are a lot of them. Moreover, there are almost no obstacles in the bank for loans needed by these people to build houses. As long as there is land, we will approve the loan. You will definitely say that if you don't come back, what to do?"

Yuan Xian nodded: "Yes, what if we can't take it back?"

"It's very simple. The houses on both sides of the highway, especially at the lower entrance, have roughly doubled in value in the past few months. They are also priced but not marketable. You can't even buy them if you want. How can people who own these houses not pay back the money?" Well, if you don’t pay back the money, the house will belong to the bank, and the added value will be gone.”

"Suppose he originally owned land and borrowed 300 taels of silver to build a house. The house has not yet been built, but the same type of house next door plus land has increased to 600 taels. Do you think he will not repay the bank loan? Then go elsewhere. No matter how hard you try to borrow money, you won’t fail to repay the loan.”

Yuan Xian recalled that when he came to Jiangling City today, he saw many buildings under construction on both sides of the highway. A rough calculation suggested that the loans generated by this would not be less than those for the construction of the highway.

Yuan Xian raised the question again: "But, with all due respect, if we only put the generals first in the construction, I'm afraid it won't be enough."

"First, Mr. seems to have underestimated the development potential of our Daliang. Now a lot of people are pouring into Daliang every day. Driven by various emerging industries, catering, clothing and other industries will also increase, which can provide The people have more places to work and can support more people, and the Sui Dynasty is already discussing with us to open up tariffs between the two places to make the flow of people and goods smoother."

Yuan Xian was a little surprised when he heard this, but Xiao Xuan's next words made him even more surprised.

"Secondly, the money from Xiliang Bank is not only lent to our court in Daliang, but also lent to the court in Sui Dynasty."

"What?! The court of the Northern Sui Dynasty is not short of money." "There are so many cities in the Great Sui Dynasty. If you want to build them, it will cost a lot of money. In addition, the Great Sui Dynasty is also our customer. It is reasonable to borrow money from us. If the Great Sui Dynasty We can also lend Chen money if he needs it."

"Aren't you afraid that we won't pay it back?"

"Hahaha, Mr. Yuan is joking. Mr. Yuan is not such a person, and Emperor Chen is even less such a person. If Mr. Yuan needs it, I can make an order for you today. With your identity, I can directly give you the order." You open a quota of 1000 taels of gold."

Yuan Xian asked: "Why did the Sui Dynasty cooperate with your money banks?"

"To be honest, part of the annual income of Xiliang Bank will be given to the Sui Dynasty as annual coins in exchange for the support of the Sui Dynasty. There is no need to beat around the bush and talk about useless things with Mr. Yuan. Mr. Yuan can tell at a glance. Fake, the Sui coins are the reason why the Sui Emperor issued an imperial edict to support Xiliang Bank. They will be Xiliang Bank’s largest customers and the biggest beneficiaries besides our bank itself.”

Yuan Xian was a little shocked but mostly satisfied with Xiao Yuan's honesty. This was the approach that best suited his idea for an entity like Xiliang Bank.

Xiao Xuan took them to continue the tour and continued: "Xiliang Bank belongs to us, Daliang, but it does not belong to Daliang at the same time, otherwise it would be called Daliang Bank. We are just the executors. Xiliang Bank belongs to everyone who deposits money in the bank." Only by uniting these people can we maintain the stability of Xiliang Bank."

"Of course, if Da Chen is willing, we will sacrifice it to Da Chen at the cost of Sui coins, just like we did with Sui Dynasty."

As soon as these words came out, it was a lie that Yuan Xian was not moved.

He is also a noble man himself. Who doesn't want his property to be safely protected?

For a while, my mind was in a state of confusion, and I began to think about various pros and cons.

boom

A huge explosion interrupted his thoughts, and people around him surrounded him.

Xiao Xuan comforted him calmly: "Don't panic, Mr. Yuan, this is just us testing the strength of our treasury."

"How strong is the vault?"

"Come on, I'll take you to see it."

Xiao Xuan led him to a large area of ​​land at the back that was still empty. At this time, several squatting tiger cannons were loading and preparing to bombard a wall. With the ignition, the squatting tiger cannons bombarded the wall.

This was Yuan Xian's first real contact with the Sui Dynasty's Crouching Tiger Cannon.

After the smoke, Xiao Xuan walked to the wall. After many bombardments, the wall was damaged. He said to everyone: "No, it needs to be thickened and strengthened."

Yuan Xian also walked closer and knocked. The wall was made of materials he had never seen before, and the damaged areas could still reveal the steel inside.

Xiao Xuan explained to Yuan Xian: "This material is called cement. We plan to wrap the underground warehouse of the bank with solid rocks first, and then use this kind of concrete to bury steel walls. It is invulnerable, water and fire, even if it is a tiger crouching The bombardment would have to last for several days before such a vault would be safe enough."

"There will only be gold in the vault, which is also the basic asset recognized by the bank. Our current security requirements are that even if the rebels attack inside Xiliang and they dig underground and find our vault, even if they use artillery to open us It will take at least ten days to give troops from all over the country time to rush in for rescue."

"Of course, I don't think rebels with this ability exist. The Sui Dynasty and the rich and powerful people from all over the world are here. Their rescue speed must be faster than I thought."

(End of this chapter)