At the end of Qin, I became a son of the plane

Chapter 260: Two major banks and a falling out between life and death

Xu Fan looked at the two of them in astonishment. Seeing their troubled expressions, he understood what they were thinking.

Xu Fan immediately said: "It's not what you think. The interest on this money is very low, only two years."

"Twenty percent!" Xiong Xin and Song Yi breathed a sigh of relief.

If he only had two years of rest, the Han emperor would sincerely support the princes like Yingbu in developing the vassal states.

This interest rate is naturally terrifyingly high among Xu Fan's later generations, but in this era, if usury money is distributed based on this interest rate, they will be promoted to the status of saints by the common people.

As the same saying goes, in this era, it is normal to have interest of several times on usury money. Anyone who comes out nine times and returns thirteen times is considered a kind person, and an interest rate of 20% is something that is unthinkable.

Of course, business profits in this era are also very high. As long as you travel a few hundred miles, the profit will be several times that of several times. If you travel a thousand miles, the profit will be more than ten times. It is because the profits of business in this era are high.

Xu Fan continued: "This bank model can also be used to help farmers. Last year, the Han Dynasty equalized the land, and farmers had fields in their hands. However, because the people were poor, many families did not even have a few sickles or iron plows. They used stone plows and wooden plows. Plows and stone sickles are used for agricultural work. These tools are not only extremely inefficient, but also lead to poor yields per hectare and waste high-quality land. "

"At that time, I was thinking that a bank could lend money to these farmers so that they could buy iron plows, sickles, oxen and other tools. The farmers could also increase their production and have a bumper harvest, and then repay the money after their autumn harvest. The bank could also get 2% interest. , the court can also get more taxes, the steel mills, and the caravans selling cattle can also make money. This is a good thing that can benefit others and ourselves. "

Song Yi smiled bitterly and said: "Your Majesty, you can't just think about making money and not thinking about losing money. If all businesses in the world can make money, there will be no poor people. Farmers are poor and they don't have much property. When a person gets sick, or when a parent dies and the funeral expenses are incurred, the farmer can go bankrupt.

There are very few farmers who can repay the borrowed money. They must be first-class hard-working families, and they must be lucky enough to have a bumper harvest like this year and food prices not falling too much.

It is their normal state to be less than that. Those powerful landowners are local local snakes, powerful and powerful. They can seize farmers' land and even capture farmers as slaves. They are not worried about losing money. "

"But Your Majesty, you are the co-owner of the world. Even if the farmers can't pay back, you can't do such a thing, otherwise it will damage your reputation of kindness. But if you don't do this, the people who borrowed the money will go to the hospital to treat their illnesses." What if you bury your parents lavishly and even borrow money to spend money on them? Your Majesty, why don't you annex their land and make them slaves?"

"This is why the emperor cannot do business. Forced buying and selling are the normal course of business. Doing this kind of thing will damage the emperor's reputation."

There are too many powerful people in this world. Not only do they enjoy their rights while they are alive, but they also want to be rich and prosperous after death. Therefore, even after they die, they have to find a way to bring their servants and money to the underworld. This is because the productivity does not match the production relations. The upper class has more wealth. Instead of using it for development, they create various deformed systems and waste it in vain.

The nobles and powerful people are the upper class people in this world, and their behavior will naturally make the lower class learn from it, so the world has become a common practice.

There is a passage in "The Fairy Match" where Dong Yong sells himself to bury his father. If you look at this plot in modern times, it would be insane. In order to bury his father properly, he sold himself into a slave. This is something a normal person can do.

But in this world, it is what a filial son must do. The more things he gives to his father who is under the grave, the more filial he is.

After listening to Song Yi's words, Xu Fan realized that his thinking was too simple. He thought that farmers would borrow money to buy production tools to make their lives better, but it was more likely that farmers would borrow money to do some consumer behavior. , the money borrowed by this kind of behavior will basically not be repaid.

And Xu Fan's identity prevented him from doing the same thing as the powerful landlords, even like a filial son burying his father with honors. As the emperor, he had to reward such behavior. But if he is really rewarded, I am afraid that all the funeral business in the world will be concentrated on Xu Fan's agricultural bank. No matter how much money a big man has, he can't lose enough.

Xu Fan continued: "It all depends on people. Let's start little by little. First of all, the money borrowed by farmers cannot be used for medical treatment or funerals. It must be used for agricultural production."

Xu Fan suddenly clapped his hands and said: "Yes, why don't our bank give money, but only farm tools? If farmers want loans to buy farm tools, our bank will buy them and give them farm tools directly."

Song Yi continued: "Another problem is that there are too many farmers and the area is too large. Your Majesty, you really want to benefit farmers. Even farmers in Guanzhong need a large number of people to do this. This kind of loan is not like that of British companies." , The British father and his family can support tens of thousands of farmers. If it is a 20% profit, it will be difficult to make money. "

Xu Fan said: "Making money for agricultural banks is not the main thing. This is mainly to increase the grain production capacity of our country so that ordinary people can live a good life as soon as possible."

Then Xu Fan looked at Song Yi with admiration and said: "The fact that you can think so carefully means that I am not wrong about the person. Guiyihou is the shopkeeper of the development bank. The business of the development bank is to provide money to British public figures and other people to raise funds to purchase various A tool for developing vassal territories.

Uncle Shunyi is the shopkeeper of the Agricultural Bank. The Agricultural Bank was first trialled in Xianyang County. Helping farmers and benefiting farmers is the business of your Agricultural Bank. My only requirement is that we cannot lose money. The imperial court will give each of you five thousand gold as the capital of the bank, and each of you will be given 10 houses as the storefronts of your bank. "

Xu Fan knew that a loss-making business could not continue, especially for a feudal country like Han Dynasty. Even if you support it strongly, when you die, the government will cease to exist, so the bank has to make money.

Then Xu Fan told them some of the knowledge he had learned about banks later, giving them half-percent interest, absorbing people's deposits, and some supervision systems for employees.
How can we establish banks all over Guanzhong to help caravans with commercial and depository business? The monks have not yet made a fortune, and the temple financial business has not yet started. In this era, most of the transactions were carried out directly with gold and silver. This kind of risk can be said to be extremely high. Any horse bandit or bandit can cause heavy losses to a caravan.

But as long as the bank has enough outlets, the caravans only need to bring a passbook to purchase goods, which greatly improves security. Their bank only charges a 10% benefit fee, which the caravans are happy to accept.

Xiong Xin and Song Yi were extremely excited when they heard it. This was the first time they heard of such a business model. Even if the emperor were to be a merchant, he would probably be the largest merchant in the world.

Xiong Xin and Song Yi were both dizzy when they left the palace.

Xiong Xin said: "Sir, please accept me."

Song Yi said happily: "Of course, after the bank is completed, the second one will be given to Da Si Nong. If the emperor doesn't reuse us, there is no way he can entrust us with such an important task."

October 25, the third year of the Han Dynasty.

Zhou Zhang, the Prime Minister of the Han Dynasty, invested 5000 gold on behalf of the Han Dynasty, and Xu Fan invested 5000 gold on behalf of the royal family. These 1 gold were used as equity capital and were respectively injected into Dahan Development Bank and Dahan Agricultural Bank. So far, the two most important banks of the Han Dynasty were born.

October 28, the third year of the Han Dynasty.

"Crack, crackle, crackle." Amid the fierce sound of firecrackers, a large number of people in Chang'an City gathered around to watch this scene curiously.

Song Yi clasped his fists around him and said: "Dear fellow villagers, today Song established Dahan Agricultural Bank in accordance with the emperor's order. This bank was established by the emperor to care for the people of the world. Anyone who deposits money in my bank does not need to be held in custody. There is a fee, and you can also get half of the interest every year. In other words, if you deposit 1 yuan in our agricultural bank, not only will the money be the same after one year, but you will also get yuan more interest. "

"Wow! Is this true?" The people around couldn't believe it, because in this era, helping people save money requires custodial fees. Now a bank has appeared saying that not only does it not require custodian fees, but it also provides interest, many people are naturally Can't believe it.

Song Yi smiled and said: "How dare you talk nonsense about this matter? This is the policy set by the emperor. If you talk nonsense, you will be committing the crime of deceiving the emperor."

Now many people believed it. Although the Han Dynasty occupied Guanzhong for only one year, the emperor Xu Fan's credit was still very good. If he said that the land should be equalized to the people, it would really be equalized. If he said that the corvee was exempted, the whole year would be There was really no corvee in Guanzhong. Before Xu Fan kept his word, the people in the world believed him.

"This is money given to us by the emperor." A commoner sighed.

"Save 500 money!" a person shouted immediately.

Various large-scale events have been held in Chang'an City this year, and ordinary people have made some money. Now that you save money, you can make money make money. Of course, you can't let go of such good things.

"A certain person saved 1000 yuan!" People began to gather around him one by one. Song Yi said overjoyed: "Don't be anxious, everyone line up and come one by one. As long as you want to save money, you will definitely be able to save it."

The bank clerks are busy opening deposit services for these customers.

On the other side, the scene was the same at Xiong Xin's development bank. People queuing up to deposit money formed a long queue, and there was an endless stream of customers who wanted to deposit money.

"What's going on? Why are you blocking the entrance to my theater?" Hu Hai said angrily.

Hu Hai has been in a bad mood recently. The Han official who apologized last time told him that he would meet with the emperor to resolve the opera issue.

But he didn't dare to go.

Later he learned that a script cost tens of thousands of dollars to continue singing, but he did not dare to pay the script fee himself. He was afraid of meeting a Han official who knew him.

He did not dare to sing the plays belonging to the opera troupe. He could only think of ways to imitate the stories of "The Match of Heaven", "The Cowherd and the Weaver Girl" and "Liang Shanbo and Zhu Yingtai".

But these operas produced by Xu Fan have been circulated for thousands of years, and their popularity is extremely high. These operas have withstood the test of time and are loved by the people. Naturally, they are not comparable to the copycat operas written by Hu Hai himself.

As a result, other theaters in Chang'an City sang genuine operas, while Hu Hai could only sing some copycat operas here. Naturally, his customers were taken away by other legitimate theaters, and his business naturally plummeted.

This already made Hu Hai very angry. Now that someone was blocking his door, it naturally made him angry. How come all kinds of bad things happened to him.

"The emperor has given me some money, but if you don't come here to grab it, shopkeeper, you won't get a share if you're late in line." The man said excitedly.

"What are you giving money for?" Hu Hai asked with his eyes lit up.

"The emperor opened a business called Development Bank, saying that if you deposit 1 yuan, you will be given 10500 yuan after one year. Not only will you save money without custody fees, but you will also be given money. This is not a gift.

I think this is because the emperor was happy because the queen gave birth to a prince, so he gave money to us, the people of Chang'an City. Such a good thing cannot be missed, and it will never come back. Brother, I don't know how many people in front of me have saved money. I would have saved more. , I’m afraid this bank won’t want our money. "

"You said you can save 1 yuan and be given 10500 yuan after one year? This is something new again." Hu Hai was getting ready to make a move. According to his experience of more than a year, as long as the new things appearing in Chang'an City can be eaten, In the first wave, making money is easy.

Although he no longer makes money in this theater, he still has hundreds of thousands of dollars in his hands. This money is the principal, and maybe he can hit another niche.

Then he began to understand what this bank was. He did not believe that Xu Fan would give money to the people. If he really did this, the Han Dynasty would go bankrupt.

At this time, there was news in Chang'an City that the Development Bank had loaned 100 million yuan to the British Duke, Ji Guogong, Chen Guogong, and Lu Guogong respectively, to purchase steel farm implements, tools, cloth and other goods from the Han Dynasty to develop the vassal states, with an interest rate of 20%.

After hearing the news, Hu Hai suddenly realized how the bank made money. People's deposits could only earn 50% of the interest in a year, but the bank could make loans to princes and kings like Yingbu and earn 20% of the interest in a year. The interest rate difference is one and a half percent.

This is lending people's money to princes and kings like Yingbu. The bank can earn 6000 million in interest rate difference alone. This figure makes Hu Hai extremely excited. He has learned a new skill. It would be great if this bank is his own.

It's a pity that even if he understands the operation mode of the bank, he can't do it. He doesn't have the capital or the credibility.

At the same time, Song Yi cursed loudly in his mansion: "A little sheepherder. If it weren't for Naigong, he would still be a puppet. If it weren't for Naigong who protected him and gave him advice, he would be as rich as he is now. But now he has turned his back. I recognized him and refused to give way to several princes and kings. He is a shameless child and ungrateful. "

Song Xiang said helplessly: "Father can't solve the problem even if he scolds Marquis Guiyi."

That's right, another pair of life-and-death friends fell out because of interests.

This new model of bank has attracted a large number of people with spare money. It can only be said that Chang'an City is worthy of being the emperor with many rich people. Songyi's Agricultural Bank and Xiongxin Development Bank can absorb tens of millions of deposits almost every day.

But soon the two banks took different paths. After the deposits of the Agricultural Bank exceeded 2 million, Song Yi suspended deposits.

Because if the money shop cannot find a loan target, it will be a losing business. During this period, Song Yi sent his son Song Xiang to promote farmers' loans in the counties near Chang'an County, but he received a cold reception.

People in this era have a bad sense of usury, and farmers are the most conservative and stubborn people in the world. As long as they can't survive, few people dare to borrow usury, because they know that if they borrow this money, they will Families were broken up and people died.

This led to Song Yi encountering a very embarrassing thing. He wanted to lend money to those farmers who were hardworking and willing to work. But such people dare not borrow usury.

And those farmers who want to borrow money are basically gangsters. They borrow money first and then have no intention of paying it back. This kind of person is not the customer Song Yi wants.

So Song Yi's Agricultural Bank only loaned out hundreds of thousands of dollars. This amount of loans was far from enough to repay the interest, so Song Yi could only stop taking in deposits. Now Song Yi's biggest problem is that he can't find customers. These hundreds of millions of dollars were loaned out.

On the other side, the business of developing banks is booming. They are still collecting deposits, and the amount of deposits has almost exceeded 10 billion. For this reason, Xiong Xin also established several money vaults to store coins. This matter caused a sensation. The entire city of Chang'an has become a place of fantasy for the people of Chang'an to develop several large money banks.

Xiong Xin is not worried about customers either. The four princes Guang Yingbu and Ji Bu have borrowed 4 million in deposits. Later, Liu Bang, Jia Bu, Chen Ying, Xu Chongzhao and other princes want to build their own vassal states, which is another hundreds of millions. Loan amount.

Now Xiong Xin is only worried about the small deposits for developing his own money shop, not about the large deposits of the bank. The business outlets in Chang'an City alone are far from enough to satisfy the development bank.

Now Xiong Xin has started training employees and plans to open a bank store in all 40 counties in Neishi County to absorb Guanzhong deposits.

The bank's ability to absorb deposits has been regarded as a welfare by the people in Guanzhong. Not only the people in Chang'an City save money, but also people in Lantian County, Gaoling County, Liyi County and other counties have also gone to Chang'an City to deposit money, and asked Xiong Xin to save money in his hometown. Open a bank.

One has suspended deposits, while the other is still accepting deposits, and the gap between the two sides has widened. Now the reputation of agricultural banks is not even one-tenth of the reputation of development banks. Ordinary people in Chang'an City know that agricultural banks are not as good as development banks.

Seeing that the Agricultural Bank was going to close down due to losses at this rate, Song Yi approached Xiong Xin and asked him to give up some of his clients from the princes so that his Agricultural Bank could also consume some savings.

Originally, Song Yi thought this was a small matter. With his life-and-death relationship with Xiong Xin, it would be a big deal to give up a few customers.

The result was something Song Yi never expected. Xiong Xin actually refused to give in. He also said that the emperor decided on the name of the bank to develop it, so that his bank could help the princes develop the vassal states. Song Yi Agricultural Bank, the emperor asked him to give it to farmers. For loans, the emperor said so at the beginning. Now you let agricultural banks do the business of the princes, which goes against the emperor's original intention. He would never dare to do such a thing.

Song Yi was furious, thinking that Xiong Xin was desperate, and the two sides fell out.

(End of this chapter)