Zhu Peng didn't care whether Zhao Huan's move would do more harm than good or good.
His goal is to surpass Chen Zhao, catch up with Chang Fu, and become the most capable general around Zhao Huan.
Whatever comes out of Zhao Huan's mouth, regardless of whether it is right or wrong, can be regarded as an undoubted imperial edict.
Zhu Peng turned around and ran away, fearing that if he was too slow, Chen Zhao and Wang Daquan would take away the precious opportunity to send a message to the prince.
Zhao Huan stood up directly, put his hands behind his back, and started walking in the lobby, complaining in a low voice.
"With a management fee of one thousandth and forty thousand taels of silver, I can only earn forty taels in a year. I am like a living Bodhisattva in this world, the first-class good person in the Song Dynasty..."
"How about raising it a little bit and charging one tenth of it?"
"Four thousand taels of silver a year is enough to be worthy of my status as king."
Chen Zhao was almost frightened to death by these words and quickly tried to dissuade him with a sad face.
"My lord, you can't do that!"
"My Chen family saved ten thousand taels of silver, but the capital accumulated over the years was taken away in one year, and it was empty in ten years."
"We, as a family, are still counting on this money to return home in fine clothes."
Wang Daquan also broke into a cold sweat, but he refused to refute Zhao Huan face to face. He swollen his face and said, "Wang... whatever the prince says is whatever..."
Wang Daquan's voice was trembling, this was not a willing attitude.
Zhao Huan just said casually, let alone one-tenth, even one percent, all the depositors of Zhumen Bank would be wiped out in an instant.
Just when Zhao Huan was secretly distressed and didn't know how to make a huge profit from the depositors, Zhu Peng's legs and feet were very agile and he ran back panting.
"Uncle, your words have been conveyed."
Zhao Huan asked casually: "Have any depositors withdraw their capital?"
Zhu Peng wiped the sweat off his face and said with a smile: "With the prince's order, not only did no one withdraw, but more people saved money."
"Originally, there were more than a dozen merchants waiting at the door. After hearing this, they did not hesitate and deposited another 20,000 taels of silver."
"Now the bank deposits have reached one hundred thousand taels."
"Hey, apart from the prince's wealthy bank, is there any other bank in the world that can absorb so many deposits on the day it opens?"
Zhao Huan secretly cursed the evil sect. Is the threshold not high enough? Or are people these days prone to masochism?
"Those businessmen said that the higher the threshold set by the prince, the more secure they will feel if they deposit their money in Zhumen Bank."
"And with the prince as a guarantee, Zhumen Bank will never be like other banks. If you deposit money today, you will not know where the money will go tomorrow."
"To withdraw money, you have to go to the bank in advance. The shortest wait is three to five days, and the longest wait is a month."
"Putting your money with the prince will naturally allow you to deposit it and withdraw it at any time, which is extremely convenient."
Zhao Huan blushed, laughed twice, and shamelessly accepted the businessmen's praise.
actually……
Just now, Zhao Huan had thought about how to spend the money. He would first allocate 20,000 yuan to Yizhou and then buy some fields...
Deposit and withdraw? Damn deposit and withdraw!
Zhu Peng said excitedly: "My lord, hurry up and open a semicolon, otherwise there will only be one Zhumen bank and there will be no place to put so much money."
On the first day that a bank opened, depositors forced it to open a semicolon? How could such a thing happen in the world?
Zhao Huan refused without even thinking: "Fuck me!"
"With ten thousand taels of silver, you only earn ten taels of silver a year. To open a semicolon, you need to invest hundreds of taels of silver at least. I will not engage in this kind of loss-making business."
“It’s just this bank, it’s up to you whether you like it or not!”
Chen Zhao and Wang Daquan looked at each other and sighed in unison, how can anyone in the world do business like this?
Anyone who is engaged in the money bank business is eager to open semicolons all over the world, so as to absorb as much money as possible.
On the other hand, Zhao Huan's face was full of reluctance, as if he had too much money and it was too hot.
Chen Zhao tentatively reminded: "My lord, do you...don't understand money banking?"
Zhao Huan raised his eyebrows: "So, do you understand?"
Upon hearing this, Chen Zhao immediately gained confidence and quickly got up from the ground. Under the jealous gazes of Zhu Peng and Wang Daquan, he proudly introduced the situation.
"My lord, does he know why the bank takes care of the depositors' money for free and has to pay extra interest?"
Zhao Huan shrugged: "I understand this, tear down the east wall to make up for the west wall."
Chen Zhao grinned mischievously: "Your Majesty is only half right, there is something called... a silver note."
"As long as the reputation of Zhumen Bank is large enough and it is convenient to deposit and withdraw money, then everyone in the world will recognize the banknotes of Zhumen Bank."
"When depositors come to withdraw their money, unless they have special requirements, they don't have to give any money at all, they just need to hand over a banknote."
Upon hearing Chen Zhao's analysis, Zhao Huan suddenly became enlightened on the spot and slapped his thigh excitedly.
Yes, how could I forget such an important thing?
The well-known banknotes actually have a short history, and their origin is in the Northern Song Dynasty.
Because commerce in the Northern Song Dynasty was extremely developed, not to mention cross-border trade, even cross-sea trade was extremely mature.
When carrying out large-scale transactions, it is really inconvenient to carry a large amount of cash every time, so banknotes naturally arise.
Zhao Huan had used banknotes before, but he never took it to heart.
Now that he has opened a bank, Zhao Huan finally realizes how valuable the banknotes are.
Seeing that Zhao Huan was finally interested, Chen Zhao immediately introduced him eloquently.
"If there are 100,000 taels of silver in the bank, even if you are the most conservative, you can exchange it for 50,000 taels of silver notes."
"In other words, 50,000 yuan is left in the bank for emergencies. The remaining 50,000 yuan is guaranteed by banknotes and can be used by the prince at his own discretion."
"Wouldn't it be nice to use other people's money to do your own business?"
Zhao Huan once hated capitalists the most, but now he has become a capitalist himself...
In this kind of business of tearing down the east wall to make up for the west wall, in the final analysis, the most important thing is to have a business that is sure to make a profit without losing money. Otherwise, if you lose your savings, you will be in trouble.
However, other banks rely on lending and sucking the blood of the people to make steady profits without losing money. Zhao Huan naturally disdains doing this.
Chen Zhao knew that Zhao Huan could not exploit the people, so he quickly made suggestions.
"Now that the Jin people are in charge of customs, although private trade in the north is still frequent, large transactions are becoming less and less."
"And shipping in the south is still in full swing. Your Majesty can take the shipping route and drive the semicolon directly to the south."
Zhao Huan raised his eyebrows: "What, you understand again?"
Chen Zhao held his head high and glanced at Wang Daquan and Zhu Peng proudly, as if to say, you two illiterate people, if you want to fight with me, be smarter.
"Shipping is not a guaranteed profit. We are most afraid of natural disasters. If an accident occurs, we may lose tens of thousands of taels of silver."
"But correspondingly, it is also extremely profitable. As long as you run it successfully a few times, you can make your money back."