Yipin Tang

Chapter 161 passed?
Li Er asked Changsun Wuji to investigate the people who spread rumors and slander the bank in the Tai Chi Hall. It was just a gesture, but the aristocratic family consciously restrained the people under them, and they also knew that this method would only disturb the situation for a while and could not completely solve the problem. It would be even more troublesome if Li Er really caught the handle.

Although the people who fanned the flames disappeared, the public opinion brought up by them cannot be eliminated in a short time. Most of the people maintain a suspicious and vigilant attitude towards the so-called money houses.

Chang'an City is the capital of the Tang Dynasty, and it is also the most prosperous place in the entire Tang Dynasty. The bank in Chang'an City is naturally the most luxurious.The name of the bank is very straightforward, it is called Datang Bank, and it is set up at the intersection of East and West Streets.It was originally the largest antique shop in Chang'an City, but a notice was posted a few days ago saying that it was undergoing internal renovation, but when the renovation was completed and reopened, it would become the Datang Bank.

Datang Qianzhuang was originally the largest antique shop in Chang'an City. Naturally, it was luxurious and extravagant, but after the renovation, it became even more magnificent.

At this time, many people gathered at the gate of Datang Bank. They had read the notice posted outside several times, but they were still skeptical.

"Borrowing consistent money, the monthly interest is only ten cents, and there is no recurring interest. I don't know if it is true."

"How can there be such a good thing? Didn't someone say that they tried to borrow some money and were rejected, saying that they had no credibility."

"What is credit?"

"It's written on the notice. It's quite complicated. It says that the higher the credit score, the more money you can borrow, but I haven't seen anyone borrowing money yet. Some people have gone in, and some people have gone in. I don't know whether to borrow money or go to save money."

"Do you still need to think about it? Of course it's borrowing money. Who would save money? What if the deposit is not allowed to be withdrawn?"

"The bank is run by the imperial court, so it shouldn't be like this."

"Who knows, let's go in and have a look."

……

Lu Defu had also heard about Qianzhuang, but these days he was so focused on the sale of golden nanmu that he didn't know much about it. He didn't know what Qianzhuang was until Degui found him and told him that the turning point was Qianzhuang. The place.

As a shrewd businessman who has been in the business for many years, Lu Defu immediately saw the meaning of the bank and became excited. To be honest, sometimes he thought about taking out a loan, but thinking of the terrible interest gave up such a thought. , but if it is the interest of the bank, it is nothing at all.

The only thing he was worried about was the issue of credibility, and he also knew that it was impossible for the bank to lend money casually.

Lu Defu came to the Datang Bank with anticipation and apprehension. Seeing the people discussing around the gate of the bank, he felt even more uncertain, but at this time he had no other choice. getting closer.

As soon as Lu Defu entered the bank, a large number of people followed him. There was never a shortage of people watching the excitement, and everyone was indeed very curious about the bank.

The inside of the bank is very spacious, and as soon as you enter the door, a beautiful woman greets you with a smile on her face.

"Is there anything I can do to help you?"

Fortunately, Degui had told him the rules of the bank before, and Lu Defu was stunned for a moment before realizing it, and whispered a little embarrassedly: "I want to borrow some money."

The woman didn't seem to notice Lu Defu's embarrassment, she smiled slightly and said, "Please come here for the loan."

After speaking, he took Lu Defu to a window similar to the counter of a restaurant. Lu Defu followed behind the woman nervously, and other people also followed curiously when they saw this.

When he arrived at the loan window, Lu Defu found a wooden sign above the window, with the words "Loan Office" written on it, and there were many similar windows on both sides of the window, all with the same wooden sign, but some It says "deposit place" on it, and some say "money withdrawal place" on it.

The woman who brought Degui to the lending office turned her head and saw the common people who followed and smiled slightly: "If you need to borrow money or save money, you can go to other windows to handle it. There are also seats in the lobby for everyone to rest and wait."

The people who followed followed looked in the direction the woman pointed, only to realize that the rows of benches in the hall were originally prepared for them, but they all came to see if Lu Defu could borrow money successfully.

"It's okay, let's take a look."

The woman naturally understood their thoughts, she smiled and said nothing.

Sitting on a round stool outside the window, Lu Defu had already calmed down a lot. After all, he had been buying and selling gold nanmu with the royal family for many years, and his psychological quality was much stronger than that of ordinary people.

Still, he couldn't help but get nervous when a young man behind the window asked him how much he planned to borrow.

"I want to borrow...five thousand strings."

"Five thousand guan!"

As soon as the voice finished speaking, there was a sound of breathing, and Lu Defu suddenly became anxious again. He was relieved when he saw that the young man opposite him had no abnormalities on his face.He also knew that [-] strings was not a small sum, otherwise he wouldn't have been unable to get it together by now.

"Because it's your first time to apply for a loan at our Datang Bank, so we need to do a credit evaluation first."

Lu Defu nodded repeatedly to express his understanding when he heard the words. Degui had already explained this to him at the inn, so he was not particularly surprised.

After hearing the words "Credit Evaluation", the common people took a few steps forward to hear more clearly. Credit is what they are most interested in. After all, whether they can borrow money or how much they can borrow depends on their credit.

The first step in credit evaluation is identity verification. The first time you come to a bank to do business, you need to do identity verification and registration. The bank has an official in charge of household registration who is in charge of identity verification. No one can fake this.

After identity confirmation, the borrower’s current asset evaluation, repayment ability evaluation, integrity and moral evaluation, and other evaluations are carried out. At this time, everyone knows that the credit evaluation is so complicated, but the more detailed the evaluation, the better the credit. high.

After completing the credit evaluation, the young man behind the window took out a thick booklet and recorded Lu Defu's detailed information on it. It can be seen that Lu Defu was recorded in the book for the first time. Write a small "five" there.

Lu Defu suddenly became excited, and the people watching behind him also gasped softly in surprise. The notice posted outside the bank clearly stated that the loan amount should not exceed ten strings if the credit score is one, and the loan amount should not exceed ten strings if the credit score is two. For money, with a credit score of three, you can borrow no more than [-] coins...and a credit score of [-] means that Lu Defu can borrow no more than [-] coins from the bank!
Everyone held their breath and looked at the young man behind the window.

The young man collected the roster calmly, and smiled at Lu Defu: "According to your credit evaluation and Datang Bank's loan system, the [-] loan you applied for has been approved."

"Passed?"

Lu Defu and the people behind spoke in unison.

The young man smiled lightly: "Yes, it passed."

　Ask for a recommendation ticket~~Thank you everyone~~
　　


(End of this chapter)