Daming: I am the most powerful emperor grandson, please abdicate the throne

Chapter 397 Bank Business

Finally someone mentioned this key.

The loan business is the focus that Zhu Xuan wants to launch, and it will also be the most important income component of bank operations in the future.

In the future, they will switch to using Ming Bao Banknotes for transactions. This cannot be changed. Although those merchants are unwilling, they cannot resist. They will not mention this for the time being. They want to know what the use of Da Ming Bao Banknotes and other businesses of the bank are, and whether they can use it.

"This is a very good question."

Zhu Xuan said loudly: "Loans are easy to understand. For example, if you like a batch of jewelry from a foreign businessman, but you don't have enough money to buy it, you can borrow money from our bank. Of course, interest will be charged for borrowing. In this regard, I It will be announced in two days.”

“Can anyone borrow money?”

The businessman asked again.

"No!"

Zhu Xuan explained: "Borrowing money from our bank requires a credit assessment. We will also launch a credit system at that time. As long as you go through our investigation, make sure your credit is good, and pass the review, you can borrow money."

It turns out this is a loan.

It sounds quite troublesome.

But they can understand it.

Even if friends borrow money from each other in private, they don't want to borrow money from people with poor credit, and they have to charge interest, etc. This is normal operation and doesn't feel like anything wrong.

As for borrowing money from the bank and not paying it back, they didn't dare to have such an idea at this time, because the bank belonged to the grandson of the Fifth Emperor.

Dare to pay it back?
  His Highness the Fifth Emperor will teach them how to be a new person in a matter of minutes.

"Are there any other questions?"

Zhu Xuan sat on the stage and asked everyone in the audience.

Today's meeting is actually an answer meeting, giving businessmen enough time and opportunity to raise their doubts.

Make sure that there are as few other troubles as possible when the bank is officially operating.

The businessmen in the venue were silent for a while, communicating privately as to whether they had any other doubts.

"Your Highness, what is the explanation for the deposit?"

Another businessman raised his hand.

In the future society hundreds of years from now, deposits will also be one of the key businesses of banks.

Banks rely on deposits to keep lending money.

"Deposit, as the name suggests, means depositing money in our bank, and we will give a certain amount of interest based on the annual fee..."

Zhu Xuan also explained the deposits and the interest generated by the deposits.

With these few businessmen at the beginning, the remaining businessmen raised all the questions they could think of.

Zhu Xuan patiently answered them one by one.

At the end of this meeting, it was already afternoon, and they didn't even have time to have lunch.

After almost answering all the questions and asking all the questions other businessmen could ask, Zhu Xuan announced the adjournment of the meeting.

After such a long meeting, he was so tired that he rubbed his temples.

The merchants could not change the current situation of the Ming Dynasty Baochao. His Royal Highness had to implement it and had no choice but to accept it.

However, after listening to Zhu Xuan's answer, they actually looked forward to the Ming Dynasty Baobao a little more, feeling that the government-run bank might be able to bring surprises.

"Your Highness, what should we do next?"

Wu Yongfeng asked.

Zhu Xuan said: "After completing the construction of the bank, we will arrange the counter according to my requirements. After completing all these, we will make a formal appointment to exchange the Ming Dynasty treasure banknotes. In addition, we will release the news that all merchants who trade with our court must use the Ming Dynasty treasure banknotes." , as for the rest, they are free to do so.”

Cen Jing nodded slightly and said: "With the help of our government and forcing merchants to use it, Ming Dynasty treasure banknotes will soon be circulated again, and their value should be fixed."

"Probably so."

What Zhu Xuan thought was similar to what Cen Jing said.

However, the emperor and the officials from the Ministry of Household Affairs also discussed many rules and precautions.

Zhu Xuan took out Grandpa Huang's letter and read it, and followed the instructions given above to make the bank as complete as possible.

Before his rebirth, Zhu Xuan was not in the banking system.

Although the banking system of later generations can be proposed in the Ming Dynasty, there must be errors and omissions, which need to be supplemented by the bosses of the Account Department.

The wisdom of the ancients is not inferior to that of modern people.

They just had much less exposure to things than modern people.

Now that they have come into contact with some of the simplest banking systems brought by Zhu Xuan, they can continue to supplement and improve the system to make it fuller.

In these aspects, the officials in the Ministry of Revenue are more professional than Zhu Xuan.

"Wu Yongfeng will go to the bank to help for the time being. When I find someone to take over, I will come back to the trading port." Zhu Xuan has not found anyone he can trust to manage the bank in Panyu.

But letting Wu Yongfeng and the others go is not very reassuring.

People from the banking system and the commercial system cannot overlap, otherwise Zhu Xuan is afraid that he will be cheated by them.

Some businesses that should be divided must be divided.

"Yes!"

Wu Yongfeng said respectfully.

"time to eat!"

At this moment, Cen Hua suddenly came to the conference room.

In her hand, she also held a food box.

When Cen Jing saw it, she smiled and said, "Hua'er still knows how to care about me, so she specially brought lunch here."

However, Cen Hua carried the food box, passed Cen Jing, came to Zhu Xuan, and said softly: "Brother, you can handle it yourself when you are hungry. I am delivering food to His Highness."

Cen Jing: "..."

As the eldest brother, I don’t get this treatment?

"Then I'm welcome."

Zhu Xuan touched his stomach. It was just when he was hungry, and said again: "Brother Cen, how about we come together?"

"Your Highness, let's leave brother alone."

Cen Hua dragged Zhu Xuan away.

Cen Jing said helplessly: "I won't disturb His Highness's meal!"

Watching them leave the conference room, Wu Yongfeng said with envy: "Brother Cen, Hua'er and His Highness seem to be very close!"

Even if you can't become a concubine in the future, as a concubine, your status will still be very high. This is the blessing of the Cen family.

"Brother Wu, you're welcome."

Cen Jing knew that Cen Hua had been clinging to Zhu Xuan recently.

He even often stayed overnight at Zhu Xuan's house.

Nothing will happen if two children spend the night together, but it also shows that they have a good relationship and there will still be opportunities in the future.

They, the Cen family, hugged each other on their laps.

"It's a pity that I don't have a suitable daughter."

Wu Yongfeng said enviously.

Otherwise, he will definitely arrange for his daughter to cultivate a relationship with Zhu Xuan.

Even if Zhu Xuan can't become the emperor's grandson, he can at least be a prince.

-

Zhu Xuan didn’t know what they were thinking.

After leaving the conference room and arriving at an office in the trading port, he wolfed down the things Cen Hua had sent, and finally drank a large bowl of chicken soup.

"Finally full."

"Your Highness, can't you be more polite when eating?"

Cen Hua's eyes widened.

It's not that there are people in the palace who specialize in teaching etiquette, but she found that Zhu Xuan didn't have much etiquette.

Zhu Xuan smiled and explained: "You don't understand this. Grandpa Huang said that men should be more heroic. I have been hungry for so long, so I am already considered gentle."

Cen Hua: "..."

But His Highness is indeed very different.

"What will your Highness do next?"

Cen Hua asked curiously.

Zhu Xuan thought for a moment and said, "Find a suitable person to become the shopkeeper of my bank."

But who can I turn to?

Most of the people Zhu Xuan knew in Guangzhou Mansion had various interests, and he wanted to find someone who was completely independent of the overall interests.

"Forget it, let's go outside for a walk!"

Zhu Xuan had no idea at the moment and couldn't think of how to find this person.

(End of this chapter)