Yipin Tang

Chapter 162 The Rise
Five thousand!Not [-] Wen!
For ordinary people, [-] Wen is a lot, and [-] Guan is unimaginable for many people.

After all, Lu Defu is in the business of buying and selling golden nanmu, and the transactions are often tens of thousands of dollars. After a short surprise, he calmed down and asked, "When can I withdraw this money?"

The day of delivery of the golden nanmu was getting closer and he had to be in a hurry.

The young man took out two printed documents and filled in information such as the borrower, loan amount, loan time, etc., then handed the documents to Lu Defu and said, "This is the loan document. Please read it first. If there is no problem, sign it and make a deposit." You can withdraw the loaned five thousand guan at any time."

Lu Defu read the loan documents carefully. According to the usual rule of ten cents per month for borrowing money, he borrowed five thousand pennies and the monthly interest is fifty pennies. The latest repayment period is two years, which means that within two years, he must To repay all the borrowed money and interest.

Fifty guan seems a lot, but it is nothing compared to [-] guan. The profit of this transaction is at least thousands of guan. The interest of [-] guan is nothing to Lu Defu. As for two years There is no need to worry about the repayment period. He can pay back the money in at most two months after the transaction is completed.

After reading the documents, Lu Defu signed the two documents without hesitation.

After Lu Defu signed and signed, the young man took out a seal and stamped on both documents, handed one of the documents to Lu Defu and said: "You take this document well, and take it with you when you pay back the money next time." come over."

Lu Defu nodded and looked at the seal on the document. It was the four seal characters of "Datang Qianzhuang".

Seeing Lu Defu carefully collecting the loan documents, the young man smiled and said, "Now you can get the [-] guan for the loan. Do you want cash or bank notes?"

Five thousand guan is not a small amount. If you use copper coins for settlement, you don’t know how many carts you have to pull, so the bank has silver. Not calm anymore.

This is real money, so let him take it away?

Not to mention these common people, even Lu Defu felt like he was dreaming. Although the bank notes that the young man said sounded good, but the five thousand coins were too important to him, so he still chose cash silver.

The issue of bank notes also came from Wang Xiang's attention, but this thing cannot be promoted all at once, it must be done step by step.

After the news spread that Lu Defu had borrowed [-] guan from Datang Bank, there was an uproar in Chang'an City. Earlier, some people questioned that the so-called loan of ten Wenli was fake. With such a large number of thousands, the bank suddenly became a topic of discussion.

Some people raised suspicions that the person who borrowed money might be someone from the bank, but someone immediately refuted him. Lu Defu has been in the business of golden nanmu for so many years, not only well-known in Yangzhou, but also in Chang'an. A few days ago, many people knew that he was raising money everywhere, but naturally it was not someone from the bank.

Along with the news of Lu Defu's loan of [-] guan, there is also the bank's set of credit evaluation standards. Although it is complicated, it is very reasonable when you think about it carefully. It was good for me, so not long after the news spread, many people poured into Datang Bank, all of them came to do credit evaluation.

Those who failed the assessment were naturally depressed, those who passed the assessment were complacent, and those with a high credit score felt more face-saving. Credit score not only represented strength and financial resources but also moral character.

In just a few days, thousands of people went to Datang Bank for credit evaluation. The original blank register has been filled with several books, and there is still an endless stream of people going to the bank for evaluation every day.

Because of the low monthly interest rate and doubts, many people who passed the evaluation tried to borrow money from the bank. As a result, as long as they did not exceed the credit limit, all of them successfully borrowed without exception. This completely dispelled everyone's trust in the bank With doubts about lending, Qianzhuang suddenly became hot.

The most frequently asked question when walking on the streets of Chang'an is: "How much credit do you have in Datang Bank?"

The creditworthiness of Datang Bank seems to have become a new status symbol, which was unexpected by Li Er and even Wang Xiang.

With such a low interest rate on loans, many businessmen who were temporarily short of funds applied for loans one after another. However, with the popularity of the bank and the increase in loans, the silver deposits in Li Er's internal treasury were also rapidly depleted, and the pressure was increasing.

At this time, another explosive news spread that the Marquis of Jiayuan had deposited [-] Guan in the Datang Bank!
This was just the beginning, and then news of other deposits spread one by one. Changsun Wuji deposited [-] guan in the Datang Bank, Fang Xuanling deposited [-] guan in the Datang Bank, and Lu Guogong deposited [-] in the Datang Bank. Wan Guan... It would have been nice if Lao Cheng had given out five thousand Guan in the past, but now he feels quite wealthy with the bonus of a tasting shop.

Then, Changan Zhaoji Mizhuang deposited [-] guan in the Datang Bank, Liu Ji Rouge Store deposited [-] guan in the Datang Bank, and Luoyang Zheng's Silk and Satin Store deposited [-] guan in the Datang Bank in Luoyang. Proof of saving money successfully withdrawn from Chang'an Datang Bank...

There were more and more news about deposits, some were arranged by Li Er, some were not arranged by him, what surprised Li Er the most was that some family also deposited money in the bank, including Wang Tong's Taiyuan Wang family.

In fact, this is not difficult to understand. These aristocratic families have a lot of business in secret. The largest medicinal material shop in Chang'an is the property of the Wang family in Taiyuan.This money was originally intended to be brought to Chengdu to buy goods, but Chengdu also has a Datang Bank, so it is not as convenient as carrying a proof of savings with [-] Guan on the road, and it can save a lot of travel expenses and escorts cost.Since the rise of Qianzhuang cannot be prevented, they will not refuse the convenience brought by Qianzhuang.

Gradually, businessmen with more money at home began to try to deposit part of their money in the Datang Bank, because they found that everything was true as the bank said. They could withdraw their savings at any bank at any time with the certificate of deposit. Once they come, they don't have to worry about thieves worrying about their money at home, and it is more convenient and safer not to bring cash when they go out to do business.

Although ordinary people still don't have the habit of saving money, with the funds injected by these businessmen, the pressure on Li Er has been reduced a lot, and the internal treasury has gradually filled up, and the promotion of bank notes has achieved initial results. He believes that it will not take long for the bank to be able to Do the cycle that Wang Xiang said, money comes and money goes.

(End of this chapter)