I was the emperor in the Ming Dynasty

Chapter 216

Before he could speak, Zhu Gaosui pointed to this person and introduced him to Li Tian.

"Brother Huang, this is the treasurer that my younger brother chose for Qian Zhuang. It is called Chen Fangmin, and he has been working as an assistant in my younger brother's house before.

To tell the truth, Brother Huang, the reason why my younger brother was able to accumulate such a large family fortune before was thanks to Mr. Chen's advice behind him. "

Seeing that Zhu Gaosui, as a prince, has such a high opinion of this person.

Li Tian couldn't help but look at this person twice.

Slightly fat but not bloated, with piercing eyes and very energetic eyes, in his forties, he is at the peak of a person.

Although there is nothing unusual about this person just from his appearance, but he presided over the opening in a calm and unhurried way before.

It can also mobilize the emotions of the onlookers in a very short period of time.

Judging from Li Tian's experience, this person should have very deep experience in how to grasp people's hearts.

"Such a person may not be a good official, but he is definitely good at doing business.

It is rare that Zhu Gaosui is willing to release such a talent to take charge of the bank! "

"That's right, that's right, but there's such a cunning vigor of profiteers."

If someone else said this sentence, it would definitely be regarded as a curse.

But being able to be called a profiteer by the emperor Li Tian is a recognition of his ability.

Chen Fangmin quickly knelt down and shouted long live.

"Thank you for your majesty's approval, the villain has lived up to your majesty's high expectations."

Li Tian nodded, looked at the indifferent Zhang Qinghuan beside him, and said to Chen Fangmin.

"In the future, the Royal Bank will definitely be opened in all places in Ming Dynasty. It is not a skill to be able to manage one bank well, but it is a real skill to be able to manage all the banks in the whole world."

"It just so happens that today someone doesn't believe that my bank can make money, so you can tell her how our bank makes money!"

Chen Fangmin didn't quite understand it at first, but after hearing it, Li Tian actually said it.

He might be in charge of all the banks in the world in the future, which made his hands and feet tremble with excitement.

Not only him, but even Wang Fu, Guo Liuhu and others were visibly shocked.

Just kidding, managing the world's banks is such a powerful force, it is probably louder than the name of the Minister of the Ministry of Households.

It took Chen Fangmin to sort out his mood for a long time before he slowly regained his composure.

"Although your Majesty asks, the villain must have something to say."

"Okay, then tell me how the bank will make money in the future!"

After clearing his throat, Chen Fangmin got up and started talking.

"According to the future plan of our bank, one main account in the capital, five auxiliary accounts, and 24 branches in surrounding prefectures and counties, a total of [-] accounts are just the beginning."

"The capital city is no more rich than other places. After calculation, the villain estimated that less than [-]% of them are willing to deposit their family money in the bank."

"Even if most people go out, they are still willing to go out with silver and two copper coins."

"This group of people is the first group that our bank wants to win."

"The villain has investigated, and the total number of silver deposits in the four major banks in the capital is about 3000 to [-] million taels.

And our next goal is to win these deposits from their hands. "

Zhu Gaosui saw that he hadn't said anything for a long time, but in terms of making money, he urged him a little anxiously,
"Mr. Chen, what's the matter with you? Your Majesty is asking how to make money. Why do you keep talking about these things?"

Chen Fangmin said unhurriedly,
"Your Majesty, please wait a moment, the prince, the villain will talk about it soon."

He collected his thoughts and continued,
"Storing the deposit is only our first step."

"As long as we have a large deposit of silver in hand, there are too many things we can do."

"Whether it's borrowing money to collect interest, or borrowing with other banks, it's a good business with a lot of money in the account."

At this time, Zhang Qinghuan, who had listened to it for a long time, still didn't quite understand the reason behind it, so she couldn't help asking,
"How is this different from other banks lending money, and the interest here is so low, how can it be possible to make a lot of money?"

Chen Fangmin glanced at Zhang Qinghuan, his eyes were so vicious, he had already seen that she was a daughter.

Seeing that she was so close to Li Tian, ​​it is expected that even if she is not a concubine in the palace, she is also someone who Li Tian pays close attention to.

Don't dare to neglect, clasped hands,

"This...brother doesn't know something, this is the brilliance of this bank!"

"Lending by ordinary banks is nothing more than a small business. Each loan is ten taels or eight taels, and the most is only one hundred and two thousand taels."

"And the interest is so high that many people who are already in difficulty can't afford it, and it even develops to the point of selling their children."

"But we are different, although we choose to lend to small households.

But this is just a small tome, not much to worry about, the real target group is those wealthy businessmen. "

"For example, a certain place in the north was hit by a disaster and urgently needed a large amount of food.

A wealthy businessman wanted to spend a lot of money to buy grain from the rich south and sell it to the north.But he didn't have enough money to buy such a large amount of grain.

At this time, our role is reflected.

Temporarily lent him 1 taels to buy and sell grain, less than a month before and after.

We can earn 1000 taels or 2000 taels when he sells his food. "

"Among them, there is one very important point, that is, the money he borrowed locally can be drawn from the royal bank in the south.

Those who sell food also deposit money in our royal bank.

Our money can complete this transaction without leaving the bank. "

"The risk in this is zero. We just move our fingers and earn one or two thousand taels. Is there any better deal in the world than this!"

Zhang Qinghuan was a little dazed, and said puzzledly,

"There are still people doing business like this in the world. If so, wouldn't you have earned all the money of the business people in the world!"

Li Tian smiled and said,
"The shopkeeper Chen explained well, and his understanding of Qianzhuang is also very thorough. I am very satisfied."

"As for what Qing Huan doesn't understand, let me explain it to you!"

He stood up, held out a finger,

"The first step is to raise a large amount of silver from the private sector by using the method of giving interest without taking profits."

"The second step is to deposit silver with an absolute advantage, invest in large transactions and large transactions, and earn huge profits from it."

"The third step is to invest in high-quality industries and encourage small businesses to carry out more business activities."

"As long as these three steps are done well, the money earned by the bank in a year may not even match the tax revenue of the entire treasury."

Zhang Qinghuan didn't understand, and exclaimed,

"Is Your Majesty joking? A mere bank, even with a little more money, can actually make so much money?"

(End of this chapter)