"There are also some smart people who are afraid that they will get too much money and are targeted. So they took the banknotes to exchange them separately for the money bank's semicolons in several provinces. The authorities calculated them all, but they didn't know that every day the money bank would summarize the accounts. At only five days at the latest, the accounts of any semicolon in the country would be gathered in the capital. They could tell at a glance what their small abacuses were."

Listening to Liu Sichun's tone, the shopkeeper asked carefully: "Boss Liu, do you need to restrict withdrawals?"

Liu Sichun didn't think about it and immediately refused: "You can't limit it. You can just take it as much as you want. Once the withdrawal is restricted, the news will leak, which will inevitably cause panic among the people. Once the bank run is triggered, the money bank will be in trouble."

The word run is too fresh and the shopkeeper can't understand it, but based on the meaning of the context, he can also guess a rough idea.

In fact, even Liu Sichun learned the word run from Li Chen.

Before Li Chen left the capital, he specifically told her many things, including preventing the run.

It seems that Li Chen expected that once bad news came from the front line, it would lead to problems in the money shop, so Li Chen left many plans specifically to teach Liu Sichun to deal with various situations.

Seeing Liu Sichun’s objection, the shopkeeper naturally shut up.

Liu Sichun continued to read the account book.

After roughly browsing the account book, Liu Sichun quickly mentally calculated and came up with a set of numbers.

"At present, the total deposits of money banks across the country are about 86.5 million taels, while the current bank inventory is only 33 million taels, of which more than 22 million taels were loaned out."

"When lending is bound to produce bad debts, it is just that we can recover bad debts through local official service, so the loss is not large, but it is inevitable that the borrower will disappear and die, and they are indeed unable to repay. This part accounts for about one-two thousandth of the total loan scale, and it is barely acceptable."

"We have to spend nearly 30,000 taels of deposits per month, and the profits we can get from borrowing are equal to about 80,000 taels per month, and then deduct one-two-thousandth of bad debt losses, and deduct the salary and other costs of the money shops across the country, and after operating the entire money shop, we can maintain a monthly surplus of about 10,000 taels per month."

The shopkeeper was amazed when he heard the accounts calculated by Liu Sichun.

"Boss Liu is indeed a great calculation." The shopkeeper flattered.

Shaking his head and not taking over the shopkeeper's flattery, Liu Sichun said: "If you open such a big stall, you can earn 10,000 taels a month, which is almost equivalent to not making money. However, according to Your Highness, the most fundamental purpose of the money shop is not to make money, but to lend money, to revitalize the capital operation of private merchants and make the whole world's commerce develop. In this way, the court can obtain greater tax returns, which is the fundamental purpose of the money shop being established."

The shopkeeper immediately said: "Indeed, many business friends around the villain like to come to our bank to borrow money. First, the procedures are convenient, and second, after all, the court has endorsed it, the process is transparent and simple. The most important thing is that the interest is much lower than other bankers in the private sector."
Chapter completed!