Chapter 139 Chongzhen engages in fundraising and financial management
Tianxiatong Bank, Beijing Branch.
I worked crazy overtime for more than ten days, and my average daily rest time was no more than three hours.
President Gu Tianci felt that he had lost weight.
Fortunately, the business of exchanging heavy money for light money has finally passed its busy peak period, the passenger flow has been greatly reduced, and there are not a few bad coins on the market.
But Gu Tianci immediately discovered a new problem.
That is, these days, almost all customers are dealing with money exchange business, and they are desperately trying to make money. It can be said that they are having a great time.
However, no one pays attention to the deposit, withdrawal and loan services, and very few people handle them.
Especially for the deposit and withdrawal business, the receptionists and tellers in the lobby strongly recommend it to certain customers. If you want to open an account and deposit money in the bank, whether it is a current deposit or a regular deposit, the interest dividends are quite good, and the security is better.
High, there won't be any mistakes.
But no matter how high the interest dividend is, the vast majority of customers would rather leave with silver dollars and light money than open an account to save money.
Even if there are a few customers who are interested in it, they will be discouraged by the people around them: "It's safe to be safe. If Tianxiatong Bank does this, it will collapse soon. Don't let yourself get involved!"
Therefore, in the more than ten days since the Beijing branch opened, less than a hundred people have opened accounts, and deposits have been less than 10,000 silver dollars.
This is absolutely not possible!
So since May 10th, the focus of publicity arranged by Gu Tianci is to strongly recommend people to handle deposits and withdrawals, describing the temptation of interest dividends. All families with a lot of money can deposit their money in Tianxiatong Bank to earn interest.
, instead of leaving it in the cellar to become moldy and eaten by ants.
Moreover, the underground vault of Tianxiatong Bank is extremely strong and well-secured, and the probability of being stolen is zero.
Even if any problems arise, Xujiazhuang will be there to provide support, so there is no need to worry.
For users, if there is an accident at home such as theft, fire, house confiscation, etc., as long as they have the passbook stub in their hands, or even remember the password, account serial number, account holder's name, and fingerprints, they can successfully withdraw their deposits.
, is a perfect way to get rich.
Just publicize the above advantages.
There are still not many people in the capital who are excited, but there are many rumors that are not conducive to Tianxiatong Bank:
"Tianxiatong Bank is in a hurry and is really about to collapse."
"If we can no longer attract money, Tianxiatong Bank will be finished."
"Don't be fooled, don't be fooled!"
"Whoever saves money is stupid and will not get a penny back."
"Although Tianxiatong helped us out, we, the common people, are powerless to help us with the loss of millions and tens of millions of taels."
"Hahahaha, as long as we don't deposit money in Tianxiatong Bank and receive less than one tael of silver in deposits, Xujiazhuang will definitely be doomed this year. We won't win without a fight!"
In a secret place, the officials and nobles laughed wildly, hoping that Xujiazhuang would cause a big fight, and made the decision to continue to incite rumors, thinking that they must seize this opportunity and deliver a fatal blow to Xujiazhuang!
Xujiazhuang's intelligence system quickly noticed this situation and knew that the officials and nobles were plotting against Tianxiatong Bank, but there was no good way to deal with it, because confidence is not established by killing people, but through a series of actions.
You can win the trust of the people bit by bit.
Of course, if you can find a person with enough weight to give credit endorsement for Tianxiatong Bank's deposit business, the effect will be very good, and it will definitely dispel many concerns and spread the word.
So who are these important people?
Gu Tianci thought for a while and first requested instructions from the Xujiazhuang headquarters via telegram. After receiving approval, he found Qichunnian who lived in Nanxunfang. The two met for a meal and the next afternoon, they entered the palace together to ask for help.
The royal family negotiates a major cooperation.
…
May 15th, afternoon.
In the Imperial Palace, Yangxin Hall, Dongnuan Pavilion.
Seeing the familiar old face of Qichunnian, the young Emperor Chongzhen still had a straight face and could not show any good looks.
Even before Qichun Nian started talking about things, Zhu Youjian made the first comment: "I heard that Xujiazhuang is vigorously expanding its army, and the number of Xujiazhuang's troops will increase to 50,000. Huh! What does Xujiazhuang want to do? I can't wait to seize it.
Is my kingdom gone?"
"Well, Your Majesty, Qi came here today not to discuss this matter, but to come to your Majesty for cooperation on a project that can bring huge benefits."
Qichun Nian Road.
"If Xujiazhuang doesn't stop its military expansion and doesn't show sincerity to dispel my doubts, what kind of cooperation can we talk about?" Zhu Youjian said with a cold face.
"Your Majesty, there are only tens of thousands of troops. Firstly, the training has not been completed. Secondly, no military action has been launched. Thirdly, it is not aimed at the Ming Dynasty. Why should we worry and panic about this? The Ming Dynasty is so big that 50,000 troops can occupy it? Unless it is to expand the army.
Your Majesty won't need to worry until you reach 500,000, but there is no need to worry about it now."
Qichun young said in an understatement.
Zhu Youjian's nose was so angry that it always happened to this bastard. It was obviously a big deal in his eyes, but this bastard either avoided the important matter or changed the subject, and used all kinds of sophistry and sophistry, which made Zhu Youjian have to investigate the case.
He stood up, pointed at his nose and said, "Does it mean that we have to wait until Xu Jiajun reaches the outskirts of the capital to be considered an important matter in your eyes?"
"Your Majesty, if that day really comes, Your Majesty will send someone to capture Qi and behead him to appease the hatred in his heart. Qi is not afraid of his head falling to the ground. Are you afraid, Your Majesty?"
Qichunnian was still very single.
"you--"
Zhu Youjian gritted his teeth and wished he could order him to be beheaded now, but he had no choice but to sit down. After all, he had been provoked and irritated by this Qichunnian many times, and his endurance had improved, and he would not kill him easily.
But Zhu Youjian also knows that one day, this bastard will be beheaded by his order. He dances too much and repeatedly dances on his intolerable bottom line. Sooner or later, he will die miserably!
"Your Majesty, let's talk about cooperation. If this cooperation can be concluded, it will bring benefits of at least hundreds of thousands or even millions of taels of silver to Your Majesty every year. Don't Your Majesty not want so much money?
"
Qichunnian came close to Chongzhen and said with a smile on his face.
"Money? Several million taels?"
Zhu Youjian's ears twitched. He was so disgusted with the smiling face Qichunnian came towards him that he wanted to slap the eunuchs around him to death. But when he heard the number of millions, he not only cheered up immediately, but also came
Great interest.
For a gentleman who is not short of money, this kind of behavior may be regarded as worthless. Chongzhen can be regarded as a gentleman, but he is the gentleman who is most in need of money. Showing such a money-obsessed look is a last resort.
Because at the end of last year, in order to wipe out the bandits with all his strength, his internal funds had been emptied.
The summer tax will not be collected until June or July.
Autumn Fu will not arrive until September or October.
During the middle half of the year, I barely made a penny.
Although Chongzhen's imperial shop could earn as much as 100,000 silver dollars a month by selling Xujiazhuang's goods, there were nearly 10,000 mouths to feed in the palace, and they were extorted from time to time by civil servants, let alone save anything.
Qian, recently he was forced to wear a patched dragon robe, and even deliberately cut a few holes to increase the number of patches, otherwise the noise of the civil servants would be endless, and the patched dragon robe can have a good silencing effect.
Now faced with new projects that can earn hundreds of thousands or millions, it is impossible for Chongzhen not to be tempted. No matter who sits in his position, he will have a strong interest in making money.
"What project, let's talk about it?" Zhu Youjian raised his chin and pretended to be indifferent.
"Your Majesty, if you save money, go to Tianxiatong Bank, open an account and save money, you will get 5% annual interest dividend. If you deposit one million taels in the deposit, you will earn 50,000 taels per year. If you deposit five million taels in the deposit, you will earn 20,000 taels per year.
One hundred thousand taels, the more you save, the more you earn." Gu Tianci next to him seized the opportunity, stood up and introduced.
"Deposit money? I don't have a tael of silver in my hand, how can I deposit it in the bank?"
Zhu Youjian said with a dark face, of course he knew about Tianxiatong Bank, and also discussed with the ministers that it was like killing Xujiazhuang by killing wool. He felt gloating about Tianxiatong Bank that suffered huge losses, but he did not expect that Tianxiatong Bank was obviously in crisis.
, put the idea on the head of the emperor, and wanted the emperor to help save Tianxiatong Bank.
Haha, is this possible?
Anyway, no matter how high the interest and dividends are, he will not invest a single tael of silver in it and will never be taken advantage of.
Of course, he really didn't have the money to invest, so he could only do nothing to help.
"Your Majesty, you don't need to pay a penny, you just need to open an account in Tianxiatong Bank in your name, and then you can enjoy 5% interest dividends in accordance with the "Loan Agreement" signed for the third loan. This
This is a special discount given by Tianxiatong Bank to the royal family." Gu Tianci said.
"It's easy to open an account, but where does the money come from? How can we get interest without deposits?" Zhu Youjian said, and he immediately saw the clue.
"To raise funds, His Majesty can attract people to raise funds in the name of the Emperor and share the interest dividends. Anyone who contributes money can receive 3% annual interest. Dividends are distributed once a year. Your Majesty can obtain the remaining 2% interest dividends without having to contribute a penny.
"Although this is not much, as long as the principal of the deposit is larger, the interest dividends received will be more substantial." Gu Tianci explained.
"You mean to ask others to lend me money? But who would lend it to me?"
"You can borrow money from the treasury of the Ministry of Household Affairs, or you can raise funds from ministers and nobles, as well as the eunuchs, guards, maids, royal guards, etc. in the palace. As long as you have extra money, you can all raise funds for financial management." Gu Tianci
road.
"It's useless, it can't be borrowed. Only the rich can borrow money in this world. I am a poor person. I can't make ends meet and I have borrowed money many times without repaying it. Who would lend me money?" Zhu Youjian shook his head and said mockingly.
"It's impossible not to borrow it."
Gu Tianci said: "Borrowing money from the treasury is just moving the excess money to another place, and you can get 3% annual interest. Why doesn't the treasury lend it? Officials and nobles can gain trust and trust by lending money to His Majesty.
If you are reused, you can be promoted. Are the officials who want to make progress willing to stay in the same place and not be reused? The same is true for the eunuchs, bodyguards, royal guards, etc. in the palace. Only they are willing to spend all their remaining wealth to go up.
Only by handing it over to His Majesty's financial account can we be of the same mind as His Majesty, and can we share weal and woe with Him. This is true loyalty! Does Your Majesty dare to promote eunuchs, maids, and guards who are not even willing to hand over their remaining wealth? Do you dare to trust him?
?Do such people really support His Majesty?"
"As long as you follow Care's method, you don't have to worry about not being able to raise any money."
Buzz~
Zhu Youjian's eyes lit up, as bright as two light bulbs.
The eunuchs, maids, and guards who were waiting in the palace all trembled after hearing these words, and they all began to worry about their money bags.
Even the eunuch Wang Chengen had to kneel down and express his position: "Your Majesty, I have more than 80,000 taels of silver in my family, and I am willing to deposit it into your Majesty's account and share the interest and dividends."
Then the other eunuchs, palace maids, and maids around had to kneel down to express their willingness to participate in the fund-raising.
"Come on, get up, everyone, get up for me!"
Zhu Youjian pulled Wang Chengen, and then said to Gu Tianci with a straight face: "I am not an ignorant and ignorant king, how can I have the idea of taking the money of my ministers? Huh, I am taking the brilliant road, and there is no need for such villains to plot.
Mention it again!”
"Your Majesty, how can you tell whether you are a gentleman or a villain? But as long as you participate in Your Majesty's fund-raising project, even if you are not a gentleman, you are at least a loyal minister. And as long as Your Majesty promises not to touch their principal, if
You can withdraw it at any time if you need it in an emergency, and you will get 3% interest dividend every year. Normal people will take the initiative to participate in such a good thing, and don't force it if you don't want to. How can this be considered a villain's plan?" Qichunnian had to advise.
Wang Chengen expressed his position again: "Yes, Your Majesty, I and others can trust Your Majesty. The annual interest dividend of 3% is enough for me to live for a year. I am tempted to take the initiative to participate."
"you--"
Zhu Youjian glared at Qichunnian and said: "Tianxiatong Bank is losing money and is about to close down. It is in urgent need of deposits. You are instigating and tempting me in front of me. If the money cannot be withdrawn, won't I be the one who is framed? You Xujiazhuang are really serious
It’s a good plan, will I be fooled by you?”
"Your Majesty, in order to prepare for the opening of thirty-seven branches, Tianxiatong Bank has prepared 300 million silver dollars in advance. It is a lot of light money. How can it be worried about bankruptcy? If your Majesty doesn't believe it, you can go to our bank vault and see for yourself.
There are more than three million silver dollars that have not been used up. In addition, Your Majesty still owes Xujiazhuang 6 million silver dollars. As long as the deposits your Majesty deposits in Tianxiatong Bank do not exceed 6 million, even if Tianxiatong Bank collapses, Your Majesty will not lose anything and the debt will be written off. No matter what,
, For Your Majesty, this cooperation does not have much risk, why not give it a try?"
Gu Tianci said.
Three hundred million silver dollars?
This number made Zhu Youjian stunned. He immediately took a group of people to the underground vault of Tianxiatong Bank to have a look, and asked people to do a rough inventory. He found that there were 3.38 million silver dollars, and more than 1 billion in light money.
Xujiazhuang's strong economic strength made Chongzhen tremble with fear, but he also dispelled his concerns about cooperation. Although on the surface he still had the attitude of "never caring about the wealth of his subordinates", he also tacitly agreed to let it out to see who would be willing.
Take the initiative to participate in fundraising and financial management.