Yang Qi was right, Zhang Fengnian did regard the two of them as swindlers.
It’s not that Yang Qi has never heard of Da Ming Bank, it can even be said that he is very familiar with it.
After all, there are now Daming Banks in almost every city in Ming Dynasty.
Now after Zhu Han's education reform in the Ming Dynasty, it is true that more and more people are literate.
But talent is in short supply everywhere.
Talents in other fields can still be found if the requirements are lowered.
But in banking, you have to deal with money every day.
First of all, literacy is the most basic requirement. If you don’t know the words, you won’t even be able to do business for others.
Secondly, you must have certain arithmetic skills, enter and exit accounts, and save and withdraw money.
If you accidentally make a miscalculation, you will be in big trouble.
There is a shortage of basic personnel, and an even greater shortage of senior personnel.
Being able to run a bank independently is a talent that everyone has to fight for in this era.
Ordinary talents can barely be used after a surprise training. Those high-end talents are scarce resources no matter where they are.
Such a person, whose ability and experience are indispensable, cannot be cultivated in a short period of time.
In order not to delay the development of Daming Bank, the only way is to poach people.
Those who can run a bank, no matter what they look like on the surface.
Behind them are actually local aristocratic families.
If an ordinary person wants to go to their place to poach people, these people will definitely let him see with his own eyes how the word "death" is written.
But, behind Daming Bank is His Royal Highness the King of England.
Even those local cowards did not dare to really break up with the imperial court.
In addition, Shen Jin is considered to be a good person, and his methods of poaching people are relatively restrained. Those people can barely accept it, so they just admit it with pinched noses.
It was impossible for Zhang Fengnian not to know about such a big move.
In particular, the posture of the Ming Bank is obviously that it wants the entire Ming Dynasty to have deposits and withdrawals.
If this could be done, it would be a lot easier for those doing business.
However, Daming Bank has only just put up the structure now, and no one knows how well it will do, so most people just have a wait-and-see attitude.
Zhang Fengnian felt that these two people were a bit ridiculous.
Who doesn’t know that Daming Bank doesn’t lend money at all now?
As a result, these two guys pretended to be the managers of Daming Bank.
Although Zhang Fengnian didn't know what an account manager did, it would be too natural to think that he was cheating by just making up a new word.
However, seeing that these two people were quite creative in their responses, Zhang Fengnian didn't want to argue with them, so he just served tea to see the guests off without reporting to the official.
Of course, the main thing is not to cause any trouble.
After all, in this era, if something involves the government, it will cause a lot of trouble.
The less trouble, the better.
After understanding Zhang Fengnian's thoughts, Yang Qi said in a dumbfounded voice: "Boss Yang, you have misunderstood. The two of us are really the account managers of Daming Bank."
"Even if we were given 10,000 courages, we would not dare to pretend to be His Royal Highness. If someone discovers this, we will not be able to reap the benefits."
Although Yang Qi's tone was very sincere, Zhang Fengnian still didn't believe it.
No one does the business of losing money, but some people do the business of beheading.
As long as you can make money, no matter how dangerous it is, it doesn't matter.
What's more, they are just pretending to be from Da Ming Bank.
After deceiving, these two guys can naturally disappear into the vast sea of people.
No matter how powerful His Royal Highness is, it is not easy to find two people in the entire Ming Dynasty who want to deliberately hide themselves.
"You two have misunderstood. It's not that I don't believe what you said. It's just that I really don't lack money now, so there is no need to ask anyone to borrow it."
"Don't worry, you two. If one day I am really short of money, I will definitely ask you for help."
Yang Qi wanted to persuade him again, but the other person looked unhappy. He pulled Yang Qi's sleeve and lowered his voice and said, "Since they don't believe us, why are we still here for nothing?"
"Do we, Da Ming Bank, still ask others to borrow money from us?"
Although the voice of this guy's "whisper" was not loud, it was a coincidence that it could reach Zhang Fengnian's ears.
Zhang Fengnian shook his head helplessly. This little trick was used in front of him. How much did these two people look down on him?
After thinking about it, Zhang Fengnian actually smiled and said: "Since you two have come to my house, you are giving me Zhang Fengnian face."
"Although the deal has not been completed, I, Zhang Fengnian, am grateful for your thoughtfulness."
Snap!
Zhang Fengnian clapped his hands.
Soon a maid came in with a tray.
On the tray, there were two rolls of silver coins wrapped in paper.
As for why it was obviously wrapped in paper, but I still knew it was a silver coin.
Naturally, the paper at the very edge is torn apart so that people can see it clearly.
Zhang Fengnian pointed to the twenty silver coins: "These silver coins are the hard work of both of you. Please don't dislike them."
It was clear that they wanted to lose money and avoid disaster. The faces of Yang Qi and the other account manager all looked depressed.
They were so talkative that they even resorted to playing hard to get.
But Zhang Fengnian just didn’t believe it.
In order to send them away, they even gave them money directly.
Talk.
This Zhang Fengnian is quite strange.
If you think they are liars, even if you don't report them to the official, they will usually be kicked out directly.
When he arrives, he gives the money directly.
Yang Qi and others could imagine that the reason why Zhang Fengnian gave the money was because they reported the name of Da Ming Bank.
Regardless of whether these two people are real or fake, Zhang Fengnian doesn't want to drive them away directly.
Otherwise, once this matter reaches His Royal Highness, will you think that you are disrespectful to him?
This chapter is not finished yet, please click on the next page to continue reading the exciting content! Even with the mind of His Royal Highness, you may not even notice such a trivial matter.
However, Zhang Fengnian himself would not be so negligent.
If it weren't for Shen Jin's personal instructions.
Yang Qi and the others really wanted to just take the money and leave.
Are they here to lend money to Zhang Fengnian? How come it seems like they are begging Zhang Fengnian to lend him money?
You, Zhang Fengnian, don't want things like money. There are many people who want it just because they beg their grandfather or grandma.
Yang Qi pinched his thigh quietly. This was his first time doing business, and it was personally ordered by the real big boss of Daming Bank, as well as the apparent big boss.
Only success is allowed, no failure is allowed.
He also wanted to turn around and leave, no longer talking to Zhang Fengnian, a guy who was so angry that he wouldn't pay for his life.
"Boss Zhang." Yang Qi forced a smile: "This matter involves money transactions, so it's only natural that you don't believe me and the other two."
"Here, no matter what the two of us say, I'm afraid you won't believe it."
"In that case, why don't we and I go to the head office of Daming Bank in Yanjing?"
Now, it was Zhang Fengnian's turn to be a little dumbfounded.
what's the situation?
These two swindlers actually wanted to take him to Daming Bank in Yanjing?
If the two of them are really liars, wouldn't they just fall into a trap by going there?
Now they actively want to go.
Is it possible...
No, no, no, don't get excited, maybe these scammers have some special tricks.
Now that these two scammers have found us, they must use more than this superficial means.
Don't go if you don't want to.
However, the loan from Daming Bank is really too tempting for Zhang Fengnian now.
Not long ago, they were rejoicing that a recipe like theirs was sold for five hundred thousand taels of silver.
But no one expected that it would not be long before this happened.
Their five hundred thousand taels of silver were starting to run out.
Zhang Fengnian hesitated in his heart for a long time.
Finally, he said loudly: "Okay, I'll go with you."
The head office of Daming Bank in Yanjing is very impressive.
Because this place was originally the residence of a third-rank official, Da Ming Bank temporarily rented it here for its offices.
The reason for the temporary lease is that the real headquarters of Daming Bank is still under construction.
This is just a temporary office space.
After walking around here, Zhang Fengnian's doubts were gone.
The reason why I believe so quickly is to let down my guard.
It was because Zhang Fengnian saw a person here. He was the second shopkeeper of Huifeng Bank in Yanjing Bank.
Others may be liars, but these ticket dealers are definitely not liars.
No matter which bank they work for, the income of these bank account managers is quite objective.
If they cheat for money, they and their descendants will never be able to continue to gain a foothold in this industry in the future.
"Fengnian himself was so suspicious that he doubted the identities of the two of them. He really deserves death." After knowing that he had misunderstood, Zhang Fengnian immediately apologized politely to Yang Qi and the two.
There is no airs at all.
"After the matter is settled, I will set up a table at Jufeng Tower and apologize to you two personally."
Since Yang Qi and the others are really the account managers of Daming Bank.
Then the two of them must not be offended easily.
Maybe their status is not high, but these people can definitely influence themselves
Whether he can borrow money from Daming Bank in the future, or how much money he can make, probably has a lot to do with these two people.
Of course, even if they can't influence anything and appear to be richer, they can't go wrong.
It was just a meal, Zhang Fengmin could afford it no matter how short of money he was.
He had even planned it.
After eating and drinking, they can go to a place that all men like to go to.
What surprised Zhang Fengnian was that Yang Qi smiled bitterly and shook his head to reject his proposal.
"Boss Zhang, I appreciate your kindness, but there is really no need to eat or anything like that."
Seeing that Zhang Fengnian wanted to persuade him again, Yang Qi quickly explained: "It's not that I don't give you face, Boss Zhang. It's because there are regulations from above that we can't have too many social interactions with customers."
When Yang Qi and others refused, Zhang Fengnian did not force him.
It is not easy for Yang Qi to join Daming Bank at such a young age.
If you really make a mistake, wouldn't it destroy someone else's family?
"So... that's really a pity." Zhang Fengnian didn't force it.
The procedure for applying for a loan is much simpler than Zhang Fengnian thought.
However, judging from his experience, there are not many steps that should be taken.
In just two days, more than one million taels of silver had arrived in Zhang Fengnian's account.
Liu Jiyang and Shen Xiong, together with Zhang Fengnian, went to Daming Bank and got the deposit certificate with Arabic numerals and Chinese capitals respectively.
After seeing the numbers 0 and zero in the row above, everyone was shocked and speechless.
Although they had seen five hundred thousand taels with their own eyes before.
However, the five hundred thousand taels were actually divided between four people.
If it is shared among everyone, it won't be too shocking.
But this time, it was one million taels of silver all at once.
Moreover, the money was lent to them by Daming Bank.
Although you have to pay it back every month, and there is still a lot of interest.
But being able to borrow such a large amount of money all at once was something they had never dared to imagine before.
Liu Jiyang swallowed and said, "Brother Ruixue, do we need to withdraw the money as soon as possible?"
Chen Xiong next to him also nodded repeatedly.
For them, it is better to keep the money with them, which gives them a sense of security.
Zhang Fengnian shook his head: "It's not necessary."
Amid the confused looks in Liu Jiyang and Shen Xiong's eyes, Zhang Fengnian explained carefully.
"Don't you understand? The reason why we were able to borrow this amount of money probably has something to do with the prince. Otherwise, even if we pledged all the things we have on hand, we wouldn't be able to borrow so much money."
Shen Xiong said in confusion: "I am also feeling strange. Could it be that there is some conspiracy against us?"
Liu Jiyang clicked his tongue and shook his head: "Brother Shen, they lent us tens of thousands of taels of silver just to trick us. Do you believe this?"
Chen Xiong was stunned when he heard this, as if this was really the case: "Then...why is that?"
Zhang Fengnian waved the large deposit certificate in front of the two of them: "Daming Bank is the property of His Royal Highness, do you understand now?"
After hearing what he said, the senior brother slapped his thigh fiercely: "I understand! Ruixue, what you mean is that the prince's purpose this time is the same as before, which is to promote Daming Bank."
"Although the prince has no requirements for us, I feel that this money cannot be used elsewhere and can only be used for the construction of Yanjing."
"If we really withdraw this money and use it for other purposes... we would be very sorry to the prince."
Liu Jiyang and Shen Xiong suddenly realized this at the same time.
"Brother Ruixue is right."
"Your Majesty takes such good care of us, so we can't do such ungrateful things."
Zhu Han soon learned about their conversation.
This Zhang Fengnian has never let him down.
Zhu Han quickly put the matter behind him and looked forward with twinkling eyes: "How is the investigation going on those matters?"
The captain of Jin Yiwei said in a deep voice: "Go back to your lord, we have already investigated clearly, and they will start taking action tomorrow."