Datang: My apprentice is Li Chengqian

Chapter 255 Changan Bank
The opening ceremony of Datang Royal Bank was very successful.

With the endorsement of today's emperor and the household department of the imperial court, Qin Xiedao, the famous God of Wealth in Chang'an City, who is in charge of the management, and the magical auction revenue, all of a sudden won the trust of many merchants.

Of course, the most important thing is the introduction of gold coins and silver coins, which is really convenient for many people.

The method of depositing money and withdrawing money in different places has not yet been officially implemented because the remote semi-colon has not yet been opened.

But the money saved in the East Market can be withdrawn from the semicolon in the West Market. Everyone has already felt the benefits.

As for the bank note, merchants who often trade in large quantities applauded it after experiencing it.

"Lang Jun, the amount of gold and silver ingots that our coin workshop can use is a bit insufficient.

Although some people brought gold and silver to exchange with us for gold and silver coins during this period, the number of merchants looking for loans from our bank is also increasing, and soon our gold and silver coins will become tight. "

Ma Youcai realized that he had only been the treasurer of Datang Royal Bank for a few days, and he began to experience what kind of troubles happiness is.

"There are so many honorable families in Chang'an City, and each household actually has some gold and silver reserves. As long as we find a way to let them deposit gold and silver in our bank, most of the problems can be solved.

However, how to let them take the initiative to take gold and silver to our bank for storage is a problem that needs to be considered.

This problem seems difficult, but it is actually very simple. You only need to give the depositor a certain amount of interest. For example, if you save a silver coin worth of silver, you can get a penny in interest a year. It is estimated that many people will be tempted. "

In this day and age, it is necessary to charge a storage fee for keeping money for others.

This kind of thing that puts the money in your custody and you have to pay me the money does not exist.

Of course, borrowing money is an exception.

With the influence of Datang Royal Bank, it is still very difficult to convince everyone that their funds are safe.

Coupled with the stimulation of such a little interest, everyone's enthusiasm will definitely be much higher.

Of course, this deposit interest, which is equivalent to one thousandth of the annual interest rate, must be a very low standard in later generations.

But considering the cost of keeping money in this era, and the cost is not comparable.

The Royal Bank of the Tang Dynasty will guarantee that you will exchange money to the world at that time. Considering this, Qin Xiedao's plan is actually very stimulating.

"Saving money for interest? Sir, since ancient times, only borrowing money has interest. If there is interest on saving money, then if a group of people come to our bank to deposit money, and then we can't borrow the money, isn't it? To lose money?"

Ma Youcai, who just started running a bank, is not so courageous yet.

The more money he manages, the better. He hasn't fully formed this concept yet.

The most important thing is that the proposal of saving money for interest is quite different from the current perception of everyone.

"It's very simple, you just need to find a way to borrow money.

Datang's current business environment has been greatly improved. As long as the merchant is determined to build a workshop, there is no need to worry about the products being sold.

Left and right are just a matter of earning more and earning less.Of course, it is naturally difficult for everyone to figure out this problem.

If it doesn't work, then the relevant workshops of the Qin family will go to Datang Royal Bank to borrow money, and the interest will be paid normally. "

Qin Xiedao was not worried about too many deposits in the bank at all.

I have too many ideas that need money to realize.

If there are sufficient funds and manpower, it is no problem to open dozens of workshops in one go.

Besides, the construction of houses in Weishui New City is also in full swing, and all of these require money.

"Our loan interest is not low. Even at the most favorable interest rate, we still need to pay five points of interest a year, and even most of the time, it is more than eight points.

Except for Lang Jun's own workshop, it is probably difficult for other people to make up their minds to borrow money.

After all, most of the workshops are backed by noble families, and they are not really short of money.

Putting the money to mold in their own home, but letting their workshop go to Datang Royal Bank to borrow money, they probably wouldn't do such a thing. "

Ma Youcai used to be a quality warehouse.

He knows very well what kind of talent needs to borrow money or mortgage items.

Obviously, he still has a little worry about Qin Xiedao's proposal.

"Many of Tang's businesses are controlled by aristocratic families, and they really don't lack money.

But as long as there is a chance to make money, many small businesses also want to try the taste of being a master.

At that time, our Datang Royal Bank can support a group of workshops with more potential, let them develop with our pace, and form a new force. "

Qin Xiedao's words can be regarded as specifying the direction for Ma Youcai to move forward.

……

"Save the money and return the interest? Qin Xiedao doesn't treat the money of the Datang Royal Bank as money, does he?"

In Yayi Pavilion, Changsun Chong and Gao Jin looked at today's "Da Tang Bao" in silence.

The Changsun family and the Gao family have now decided to launch a Chang'an Bank to compete with Datang Royal Bank for business.

Both Chang Sun Chong and Gao Jin are actually in charge.

However, their Chang'an Bank hadn't started to be officially launched yet, and they were hit hard by this measure of Datang Royal Bank.

They don't charge money for deposits, and they have to pay money back to depositors. This is something they have never thought of before.

In order to demonstrate his competitiveness in front of Datang Royal Bank, Chang Sun Chong had already thought about it. When the time came, his own Chang'an Bank would only charge half of the other party's deposit custody fee.

But according to the current situation, not to mention the storage fee, even this concept is gone.

"Qin Xiedao almost pulled His Majesty and the Ministry of Households into his carriage in the form of an empty-handed white wolf. Now the Datang Royal Bank has started to operate normally, and the semicolons in various places are also being stepped up. Apart from continuing to follow the There is no other way than their steps."

Chang Sun Chong didn't want to admit this, but it was a fact.

"Yeah, that's why he has the confidence to engage in activities that save money with interest. Although it's only one-thousandth, it's very attractive.

I heard that the business of Datang Royal Bank was booming yesterday, and many people brought their own copper coins to go through the deposit procedures in order to earn such a penny of interest. "

"Datang Royal Bank can be so popular, I think our Chang'an Bank will not be bad.

Although the current situation is not very clear, we have to bite the bullet and keep up. "

(End of this chapter)