Nongmen Jinfeng: Cold-noodled husband and little daughter-in-law

Chapter 807
When Fang Xiaofu and Fang Liu returned home, they saw Fang Zhiyi leading the horse out of the yard, she quickly greeted her, and told the third uncle to recruit more people even though the affairs here were well arranged.

Now she has several 10 taels of working capital on hand, and it would be too wasteful not to use it for investment. Not only does she have no interest in the bank, but she also has to pay handling fees, so there is no point in depositing it regularly.

However, they are currently in the circulation of silver bills, and have not turned into gold and silver ingots, nor have they opened accounts in banks.The bank notes in their hands are equivalent to cash checks with no expiration date.

These cash checks are transactions between large depositors and the bank. How much gold and silver you deposit in the bank, the bank will issue the number of bank notes according to your requirements, and the amount of bank notes you take away will be converted into silver to offset your reserves.

Afterwards, someone takes the silver bills to the bank to exchange for silver or make money, and the corresponding amount of silver bills will be returned, and no handling fee will be deducted within one hundred taels.

One money will be deducted for 100 taels, and one tael will be deducted for 1000 taels.This fee rate is not high, which may be a bit painful for small depositors, but it is irrelevant to large depositors.

Depositors also need to charge a service fee at a rate of one hundred taels or more for depositing silver, which is a two-way fee.

The amount that has been left untouched in the bank will also receive a monthly storage fee of [-]%. This is cheaper, but if you gather less and make more, a large amount will be taken away without pain or itching.

However, if the bank notes are exchanged for bank notes, such as big for small, small for big, and old for new, there is no handling fee, and there is no handling fee for directly depositing silver bills in banks.

But after the silver bills are deposited in the bank, they will be stored as silver, and the monthly storage fee will be charged as usual, but they can be exchanged for silver bills anytime, anywhere, which is safe and convenient.

Therefore, everyone is happy to deposit their silver in the bank, and the most famous, powerful, and reliable is the Dafeng Baohao.

Although Dafeng Baohao is a rising star, it has leapt to the top of the world's money houses in ten years, and there are semicolons in several countries.All the banknotes that Fang Xiaofu and the others use now come from the Dafeng Baohao.

There is one in their town, and other money houses have no place to stand in this small town.

When everyone talked about the Dafeng Treasure, Fang Xiaofu thought in his heart that it is safe and convenient to deposit this large amount of gold and silver in the bank, and the handling fee to be paid is not too much, but...

Dafengbao has so many gold and silver mountains, is it just stored in the warehouse, and then sent a large number of guards to watch?Only a fool would do that!

A person who can open a bank must be a person with a well-developed mind and first-class business ability.To be able to run one's own bank so well, the big boss behind it must be the best of the best.

Take the gold and silver deposits from all over the world to invest casually, and use money to make money. As long as there are no major changes and the number of bank notes in and out of depositors is reasonably controlled, your business will not be affected.

In the unlikely event that there is a large amount of money withdrawal storm somewhere, as long as the east wall is demolished and the west wall repaired, I am afraid that it will be able to survive. As long as there is no problem with the capital chain of your business, there will be no risk of bankruptcy in this ancient time when the liquidity is limited after all. .

Even the things that she can figure out, those brains who run the bank must also understand, and make good use of it to make a lot of money.

But want her to deposit the money in it?Disaster!

However, the second brother still made a suggestion before, asking her to deposit the bank notes in the bank and open a private account.

The basic rules of the bank are that a certain amount of gold and silver ingots must be deposited into a merchant account, but there is no such rigid requirement for opening a private account. Gold, silver, and silver bills are also acceptable.

Then, according to the deposited amount, a token will be issued to the account holder, that is, the person in charge.

This token may be a jade pendant, a bronze medal, a wooden plaque, or a finger puller.Corresponding to the keepsake is the picture letter deed, which must be signed and pledged by the bank manager and the store manager.

Otherwise, anyone can take out a piece of jade pendant as a token.

As long as the account is there, the token is there. Someone who takes the real token can withdraw the amount agreed in the deed, but if they want to move it all, the person in charge has to appear in person.

But when the person in charge dies, the person in charge can go to the government to issue a certificate, and then go to the bank to sign additional terms, and the original deed will be retained.

And when the account deposit reaches a low level, the bank will no longer let you withdraw it. You must first determine whether you want to close the account or deposit it in.

Otherwise, you have emptied all the money, and the bank has no custody fee, so you still have to pay a piece of jade pendant for nothing, right?Making wooden signs also cost a lot of money, okay?

After Fang Xiaofu heard the rules of the bank, he couldn't help curling his lips, but he nodded again.

Although she wanted the bank to earn a lot of handling fees, it still became one of the resources for the bank to make a lot of money, which made her very unhappy.But it has to be said that the management mode of banks in this era has been perfected.

In this era without machines and networks, it is already remarkable to be able to build such an artificial network platform all over the world.

But she still doesn't want to save the money, at least when she hasn't really made a fortune, how can she turn the money into a dead thing?She has to keep investing to increase income items.

In the future, when the money is too much to fit in the house, won't she open a bank by herself?Rather than letting others make money, she might as well make it herself!
This was a conversation on the way home on the night of Mid-Autumn Festival, which made Fang Ziyuan almost fall down.

Fang Zizhan laughed when he heard this, his wife is always so domineering, so domineering and cute!

Therefore, there is still no conclusion on how to arrange the large amount of banknotes.But just now, Fang Xiaofu made a decision the moment he saw that his third uncle was going back to the county.

Set aside the cooperation funds for the upcoming project, and divide the remaining one into two. Let the third uncle add ten more Fuyuan restaurants before the year, and use the restaurants to open up the road from Qingyang County to the capital next year.

Then let the uncle buy farms along the road, so why are they afraid of the long and hard journey to Beijing?
Hearing Fang Xiaofu's instructions, Fang Zhiyi nodded and said that he would set off tomorrow to see the opening of the five restaurants, and then he would wait for them in Taiyang County, Dechang Prefecture, and go to Beijing together.

From Qingyang County to Beijing, you have to go south, go a little west and pass through Deyang County and Taichang County in Dechang Prefecture, then turn east, pass Taiyang County, and then go south all the way through five counties in two states.

Fortunately, the official road along the way, although it also has a geographical environment around the mountains, it does not need to be so hard to climb mountains and ridges.Even if you don't rush to the city to go to the inn, the tea house next to the official road will provide a resting place.

This is Zhao Junrui's previous experience.And he repeatedly told Fang Xiaofu to prepare more large carriages, so that he could sleep in the carriages and keep them clean.

As soon as Fang Xiaofu heard it, he understood that although the teahouse provided rest, the conditions must be very poor, probably all Datong shops, and the hygienic conditions are also poor.A rich man like Zhao Junrui would definitely not sleep, and of course she was not happy about it.

(End of this chapter)