One hundred and seventieth eight chapters big money bank
Su Tong's situation was not much better, with his eyes wide open and his mouth open, he didn't even notice anything strange about his father. He just stood aside as if he was stunned, not knowing what he was thinking in his heart.
After a few breaths, Su Xun reacted and quickly put down the teacup. When his eyes fell on Shen Ao again, he said with doubt in his eyes, "Mr. Zhongguo, this matter is not a joke."
"Of course, I will not joke in front of Mr. Su. For more than a month, although a certain person has been locked up, the people below are still refining glass and have not stopped. It is not surprising to have these stocks. ." Shen Ao said calmly.
Shen Ao looked very relaxed, but in Su Xun's eyes, it was completely different. As a supreme member, he had naturally seen how big Guochanglong's warehouse was. It was filled with two warehouses. That's a lot of inventory. It seems that the previously announced glass is extremely difficult to refine and the low output is just an excuse to raise the price of glass.
Thinking that so many people, including himself, had been deceived by Shen Ao, Su Xun could only shake his head and said, "Old man, old man."
"Haha, Mr. Su is too self-effacing. How can you be considered old? Glass products are just an area that you are not familiar with, so you don't know much about it. Next, I want to cooperate with the Su family, which is the industry that Mr. Su is best at. "Finally, he got to the point, and these words attracted Su Xun's attention.
"do what?"
Seeing that Su Xun didn't look calm at all, but instead looked a little anxious, Shen Ao didn't beat around the bush and spit out two words - gold and silver.
"Gold and silver?" Su Xun was stunned at first by this answer, and then a stern look flashed in his eyes, "Does Mr. Zhongguo also want to get involved in the gold and silver jewelry industry?"
It's no wonder that Su Xun's attitude suddenly changed. The Su family started their business by relying on gold and silver jewelry, so they naturally know how much profit there is in this industry. No matter how powerful the Su family is, they can't completely monopolize gold and silver. Jewelry, but any outsider who wants to enter this industry will be suppressed by the Su family. This is originally a means of protection. This is what the saying goes that peers are enemies.
Although Shen Ao has a good relationship with the Su family, everything is just based on the fact that the two parties can have more cooperation and bring more benefits to each other. On the contrary, if the cooperation between the two loses the interests of one party, then In a matter of minutes, they may fall out, or even become rivals.
When he heard Shen Ao say the words "gold and silver", Su Xun naturally thought of the foundation of his Su family. He thought that this was because Shen Ao had taken a fancy to this industry, which was tantamount to wanting to get money from the Su family's bowl. Of course he won't look good if you pick up food from outside.
Su Xun's reaction was not beyond Shen Ao's expectation. If someone wanted to take any commercial action against him, he would not be happy for the same reason. "Haha, Mr. Su, don't be angry yet. What the boy said is gold and silver." It is completely different from the gold and silver that the Su family talks about."
"It's different, what does that mean?" Su Xun felt that he might have misunderstood Shen Ao's meaning. After all, if someone really wanted to take advantage of the Su family, they wouldn't be stupid enough to tell you directly and openly to let you know something. Beware.
"Qianzhuang!" It was still two words, but it revealed Shen Ao's true intention of coming to the Su Mansion.
Regarding banks, it was unknown at the time, and no one had ever done anything like this. Everyone seemed to be used to storing cash at home, and it seemed that this was the safest way. Shen Ao didn't think so, and watched it every day Boxes of gold and silver are passing in front of me, and they may be taken out and sent back at any time. Between the two trips, the necessary wear and tear will be countless, which is really distressing.
Not to mention that it is very inconvenient to buy things with cash.
Just like those who come to buy glass products, they bring a lot of them in large and small boxes, and they have to take them back when they are no longer needed. Not only is it troublesome, but it also consumes more.
In order to solve this problem, Shen Ao decided to open a bank and exchange silver for banknotes. This would not only facilitate everyone, but also reduce the consumption of gold and silver. Of course, the most important thing is that Shen Ao can benefit from it, which is obvious. The advantage on the surface is that if he can control the bank, he will control the lives of many people. When he is doing something dangerous, more people will come forward to protect others because of the interests of the country. This will strengthen his own self-esteem. Strength can play a very powerful role.
Once he had an idea, Shen Ao had to consider the feasibility of the matter. Even though it was something he had never done before, as the first person to try it, the benefits would be huge, but the risks would also be great. Based on his current situation, He was afraid that his strength would not be able to achieve the goal of being completely believed in. He then thought of the Su family.
Firstly, the Su family is one of the top wealthy families in the world. They are very rich and have a good reputation. By recruiting them, they can reduce a lot of pressure and gain more recognition. Secondly, the Su family has a good way of refining gold and silver. Using your own method, opening a bank is also an essential process. After all, no matter who deposits silver into the bank, the specifications of the silver will be the same, which requires re-refining. With the help of the Su family, this will not be possible. will be a problem again.
Then Shen Ao came to Su's house, met Su Xun in person, and told him his purpose of coming.
After saying the word "qianzhuang", Shen Ao explained all his thoughts and understandings, and answered the questions Su Xun didn't understand one by one.
More than an hour later, Su Xun finished asking the questions he should ask, and his face was flushed. Obviously, this conversation gave him a better understanding of opening a bank, and the benefits also made him excited. .
According to what Shen Ao said, rich people can deposit money into a bank, and the bank will issue banknotes to them. When they need money, they can go directly to the bank to withdraw money, and they can withdraw as much as they deposit. Not only does it not consume money, Said, and will also give a certain amount of interest in return.
For people like Su Xun who often use silver, there is one truth that he knows very well, that is, after selling and withdrawing 10,000 taels of silver several times, he is afraid that there will only be more than 9,000 taels left. It's not that it was embezzled, but that it was wasted. This is equivalent to an invisible shrinkage, which is really a headache.
Now it's better. After having a bank, not only will the money not shrink when not used, but it will also bring more benefits, and it will also be very convenient when used. If there is such a good thing, Su Xun will definitely do it Consider putting the Su family's money into a bank. Not to mention that money must be used to make money, but at least there is no loss. This means that a lot of money can be saved. But the premise is that the person who opens the bank must have excellent financial resources. Credit, if you save money today and want to use it tomorrow but cannot withdraw it, then it will really make heaven and earth fail.
The idea is a good one, but Su Xun still has two questions. "Mr. Zhongguo, what will we earn in this case? And how can we ensure the credibility of the bank so that everyone will believe in it?"
"Good question." Shen Ao smiled and nodded: "Making money is very simple. With enough money, we can lend it to those who need it. As long as they have enough collateral, Of course, there is interest on the borrowed money. If he can pay back the money, we can earn generous interest money. If not, when the time comes, we can collect the things and sell them to those who need them. The same thing A lot of income. As for the credibility issue, it is guaranteed by Guochanglong. What do Mr. Su think?"
Su Xun did not answer immediately, but thought quickly in his mind. He finally knew why Shen Ao wanted to talk to him about glass products. There are two warehouses of glass, which means there is more gold and silver than two warehouses. Many, with such strong financial resources, Shen Ao is naturally worthy of trust. If the royal family comes forward to guarantee it, then most of the matter will be done. The next step is to see how everyone accepts it.
Think about it, if the bank is established and accepted by everyone, the benefits will be astonishing. When Su Xun raised his head and looked at Shen Ao, his eyes were more serious and he said: "But I don't know that our Su family needs to do something What can you get?"
This is to impose conditions. Apparently Su Xun has approved Shen Ao's plan to open a bank.
"What the Su family needs to do is to deposit the Su family's money into the bank. In return, if the Su family comes to borrow money in the future, they can enjoy a 50% discount. In addition, in the future, the bank's business of creating gold and silver will also be handed over to The Su family will do it. The Su family is also the only gold and silver manufacturer designated by the bank." Shen Ao has already thought of a way to repay the money. The bank is a big deal and cannot allow others to participate in shares casually. This big piece of meat is Shen Ao. He had no intention of feeding it to anyone else, he wanted to share it with the royal family.
This is not because Shen Ao intends to suppress the Su family, but Shen Ao is not sure whether the royal family will agree to the Su family's investment after the information is given to the emperor. Rather than having a misunderstanding with the emperor on such a matter, it is better not to mention it. Okay, this will make things a lot simpler and more convenient.
Besides, apart from not having any shares in the bank, the Su family has already received a lot. If the Su family does not agree, Shen Ao can find someone to refine gold and silver on his own. The reason why the Su family is called is that the relationship between the two parties is still good. Yes, secondly, the opening of a bank also requires influential people to join, and the Su family is obviously an influential example.
Su Xun felt a little disappointed in not getting the bank's shares, but thinking that the Su family had become the bank's only gold and silver manufacturer, they could already make a lot of money. The most important thing was that they could compete with the bank. The royal family is closer, which can also play a positive role in protecting themselves.
And the most important thing is that Shen Aofi can't do it without himself. This is obviously the benefit that comes to his door. All his Su family has to do is deposit the money into the bank. As long as the royal family is willing to guarantee it, the bank will do it. Nothing will happen, why not do it.