Shen Jin spent half an hour digesting Zhu Han's words.
What Zhu Han said simply opened a new door for him.
Before today, Shen Jin was actually somewhat conceited.
He is the son of Shen Wansan, the richest man in the Ming Dynasty. It is not that this status is very noble, but because of this status, Shen Jin can learn a lot of business methods from his father.
He admired Zhu Han very much, but that was more in other aspects.
As for business, Shen Jin has always felt that the prince may not be much more powerful than his father.
Until today, after listening to Zhu Han’s leverage theory.
Shen Jin suddenly discovered that the law-abiding way they used to do business was simply too weak, right?
Just when people like them are still working hard to calculate profits, think of ways to save an extra penny in cost, or where they can earn more.
The Daming Bank established by His Royal Highness has realized the dream of lying down and counting money.
Moreover, Shen Jin also thought of another point.
In the past, whether it was a bank or a private loan, the biggest fear was actually bad debts.
After all, although there are mortgage items, sometimes the mortgage items may not really be able to cover the debt.
But if you use leverage, there is less need for bad debts. Occasionally, if you have some bad debts, you will not lose your capital, but you will only make less money.
Before today, Shen Jin didn't believe that there was a business in this world that was guaranteed to make a profit without losing any money.
But this Daming Bank...
Unless there are personnel problems or the day the Ming Dynasty overthrows, you will definitely make money without losing money.
But now, the Ming Dynasty has only been established for a few years, and it is already a prosperous era. There are heroes like Zhu Yuanzhang at the top, world-famous talents like the British King Zhu Han among them, and the officialdom below can be regarded as Qingming.
This kind of money can be earned for at least several generations, or even dozens of generations.
After thoroughly figuring out the joints, Shen Jin breathed a long sigh of relief.
"Your Majesty... you are wise!" Apart from these words, Shen Jin really didn't know what else to say.
I think I have hundreds of millions of taels of silver in my hands every day, and my business has reached its peak.
But I didn't expect that compared with the blueprint planned by His Royal Highness, I was a frog in the well.
"It's just a bank, not worth mentioning." Zhu Han waved his hand indifferently.
This is just the most basic thing in bank operations.
There are so many ways to play things like banks. You can even exploit people all over the world silently through certain means.
Naturally, Zhu Han would not tell Shen Jin these things.
mainly.
Zhu Han himself had little knowledge of many things.
Anyway, leverage is enough for the current daimyo.
Zhu Han retracted his thoughts that had traveled thousands of miles and said seriously: "Chen Jin, listen carefully. The reason why I am telling you this is to give you a basic understanding of the development of Daming Bank.
"
"If I let this king know that you are using these things to do whatever you want..."
Before Zhu Han could finish his words, Shen Jin hurriedly swore and swore: "The villain swears that he will never use the Daming Bank to seek any personal gain for himself. If the villain has any selfish motives, he will die in poverty.
.”
This poisonous oath was indeed so poisonous that even Liu Shenhong couldn't help but look sideways.
Shen Jin's father was Shen Wansan, the richest man in the Ming Dynasty. If this kid died in poverty, wouldn't it mean that his father would go bankrupt.
In his heart, Zhu Han mourned three seconds of silence for Shen Wansan.
Why did he suddenly feel that this Shen Jin had an inexplicable, deceptive temperament?
"There is no need to tell the city. You have been with me for so long. You should understand that I don't believe in this."
"You have always been monitored. I believe you should be aware of this."
"Before, you have never said anything that should not be said or done anything that should not be done. This is very good. I hope you can continue to maintain it."
Zhu Han's tone was very calm, but Shen Jin could feel the pressure like a mountain from his calm tone.
"The villain will never let the prince down."
To control talents, you cannot blindly use high pressure. Applying both kindness and power is the real way to control your subordinates: "Don't worry, as long as you can do well in Daming Bank, I will never treat you badly."
"At least, I can guarantee that you will leave a name in history."
Shen Jin's face turned red with excitement. As a businessman, he really didn't dare to expect to leave his name in history.
Even if many businessmen leave some reputation, most of them do not have a good reputation, and most of them will not end well.
Just like Lu Buwei, who has rare things to live in.
But Zhu Han's guarantee to him was obviously not the case.
"Thank you, Your Majesty. I will definitely die for Your Majesty." Shen Jin's voice was trembling. As long as he hugs His Royal Highness's thigh, his future achievements will definitely be higher than that of his father.
"Stop saying nice words." Zhu Han cleared his throat and said, "Now that you understand the meaning of leverage, you should also understand that this leverage is not risk-free."
"The money we lend is certainly real money to the borrowers. However, most of the money does not actually exist."
"As you just said, we are also afraid of a run."
"So, in order to ensure the stable operation of Daming Bank, this leverage must not be too much."
"Now, I will draw a red line for you." Zhu Han slowly stretched out two fingers, waved them in front of Shen Jin and said, "Twenty times."
"No matter how confident you are, no matter how you judge the situation, this borrowing leverage must never be allowed to exceed twenty times."
Shen Jin nodded solemnly and said loudly: "I know, I will never exceed this red line no matter what the situation is."
Zhu Han looked at Shen Jin condescendingly: "You should understand what I really mean. Don't play word games just for profit."
"I really don't want to see the day when you get smart enough to kill yourself."
"The villain understands what the prince means. No matter how many cross-accounts there are for a sum of money, the villain will not let this money be lent to the twenty-first person."
After promising Zhu Han, Shen Jin put forward his own idea: "My lord, I have a suggestion. I don't know if it will work."
"Tell me about it." Zhu Han also became interested.
"Your Majesty, since we give interest to people who save money, we want them to deposit as much money as possible into our Da Ming Bank."
"So, can we increase the interest rate and let people keep their money in our bank for a long time? For example, two years, or one year. During this process, no matter what happens, the money cannot be withdrawn."
"In this case, there should be many people who keep their money in the bank for a long time for the interest. So will this money relieve the pressure on the bank's capital operation?"
Good guy!
Zhu Han called him a good guy.
As expected of Shen Wansan's son, he is indeed shrewd in some aspects.
So quickly, I already thought of time deposits.
Although periodic storage is nothing new, pawnshops in this era are actually doing business similar to periodic storage.
But it is still quite remarkable that Shen Jin could think of this so quickly.
"You have a good idea..."
Hearing Zhu Han say this, Shen Jin's face suddenly lit up with joy.
Before he could laugh out loud, Zhu Han said again: "But we can't do this."
Shen Jin asked hurriedly: "Your Majesty, this is a villain who has not thought well. Please punish me."
"What's the punishment?" Zhu Han glared at Shen Jin. This kid was actually playing tricks on him. He was obviously not convinced, but he still wanted to pretend to sincerely admit his mistake.
"Chen Jin, your idea is not wrong. However, your perspective on thinking about the problem is wrong."
"The most important thing for me to establish the Ming Bank is not to make money, but to serve the people of the Ming Dynasty."
…
Liu Shenhong and Shen Jin rolled their eyes.
Without thinking about making money, you can think of this method of making money that is faster and easier than robbing money. Then if you really want to make money, wouldn't it mean that all the money in the world has been made by you alone?
They don’t know whether others believe it or not. Anyway, they don’t believe a word of it.
With the virtues of the two of them, how could Zhu Han not know what they were thinking.
He suppressed the urge to beat the person and patiently explained: "Whether they are businessmen or anyone else, after all they are my subjects of the Ming Dynasty."
"Originally, when they were saving money, they might have had a lot of money, so they didn't think too much about it. They just saved it because they felt the interest rate was high."
"When they needed it, they found they couldn't withdraw their money. What do you think they would think?"
Shen Jin frowned: "But Your Majesty, we have already negotiated these rules with them before they deposit the money. And we will definitely sign a contract, so we are not afraid of them messing around."
Zhu Han shook his head: "Chen Jin, don't take it for granted. We have changed places. If it were you, your business would have failed and you would have no choice. There happens to be a sum of money in the bank that you saved before."
"Is it because I signed a contract before that I don't want this life-saving money?"
Chen Jin was stunned for a moment, and then began to think carefully.
Soon, he smiled bitterly and said: "Your Majesty, you are right. If I am desperate, I will never care about the contract anymore, and I will try my best to coax the money back."
"For this money, the bank will quarrel with the depositor for a long time, and it will definitely waste a lot of manpower and material resources."
"I'm sorry, Your Majesty, I took it too much for granted. It seems that this regular business is really not suitable to start."
Zhu Han said angrily: "You brat, why did you go from one extreme to another?"
"Isn't what I said clear enough? The Ming Bank is to serve the people of the Ming Dynasty."
"Although the time deposit method you came up with has some problems, it can indeed benefit the people who save money. After all, in order to allow them to save money for a long time, the interest will be more."
"Then if there is a problem, let's find a way to solve it. You can deposit on a regular basis, and the period starts from one year. If the person who deposited the money does not withdraw the money within a year, naturally everyone will be happy."
"If they want to withdraw money in advance for some reasons, there is no problem. They only need to apply to Daming Bank three days in advance. Moreover, once they want to withdraw a time deposit, even if it is just one tael or even one yuan, the deposit
All money deposited on a regular basis will no longer enjoy regular interest, but will be calculated according to ordinary deposit interest."
"That's right!" Shen Jin slapped his head fiercely: "Damn it, I didn't even think of such a simple method before."
After that, Shen Jin asked a lot of questions that he had not thought through before, until all the doubts were solved.
"If there is no problem, go find Zhang Fengnian and lend him the money as soon as possible."
Zhang Fengnian's home.
Zhang Fengnian, who was originally high-spirited, was now sighing.
Although he also knew that there was nothing he could do about it.
However, he was still unwilling to watch this once-in-a-lifetime opportunity slip away from his eyes.
At this moment, a servant suddenly walked in: "Master, there is someone outside asking to see you."
Zhang Fengnian said weakly: "Go and tell them that I don't want to see anyone today."
The servant did not leave, but continued to explain: "But sir, they said they are from Daming...Daming Bank, and they can solve the matter that worries you the most right now, sir."
"Oh?" Zhang Fengnian finally became interested: "Please invite people to the lobby first. I will be there in a minute."
Zhang Fengnian washed up and came to the lobby, where he saw two gorgeously dressed people.
When the two saw Zhang Fengnian, they quickly stood up to greet him.
"Boss Zhang, I have admired you for a long time. Please don't take offense if I take the liberty of interrupting you today."
One look at the way this man dressed and spoke, and you knew he was definitely not an ordinary person.
Zhang Fengnian also suppressed the irritability in his heart, gathered his strength and clasped his fists and said: "It's not worth mentioning that you have such a humble name. I wonder how you call this dear friend?"
"Hahaha! Next, my surname is Yang, which is a strange character." Yang Qi laughed and introduced himself: "The next one is the account manager of Daming Bank."
"The reason why I took the liberty to bother you this time is because I heard that Boss Zhang seems to be short of money recently."
"It just so happens that our Da Ming Bank has just started loan business. If Boss Zhang needs it, he can definitely get a loan from our Da Ming Bank."
Zhang Fengnian was not as happy as he imagined. Instead, he smiled calmly: "That's it."
"Zhang Fengnian appreciates the kindness of both of you."
"Although I don't know how the two brothers knew that I was short of money."
"However, the two sources of this information may have some problems. Now, there is no shortage of money."
As he spoke, Zhang Fengqiang gently picked up the tea cup and took a sip before serving the tea to the guests.
Both Yang Qi and Yang Qi were stunned. They did not expect that Zhang Fengnian would react like this, and he didn't even want to pay for the money delivered to their door.