Chapter 177 Chongzhen and the Queen Attend the Dividend Conference
A few days after the Shangyuan night family banquet ended.
Zhu Youjian received an invitation.
Invitation to attend the annual dividend meeting of Tianxiatong Bank Beijing Branch.
Because the royal family is the largest customer of the Beijing branch, since the dividend meeting is going to be held, how can we not miss the customer representatives of the royal family.
"Why did you get dividends so quickly?"
Zhu Youjian was very surprised. The royal family opened an account in Tianxiatong Bank in May last year. It successively absorbed a lot of deposits from participating in the royal family's fund-raising and financial management projects. But even if it starts from May, it has already passed.
It’s only been eight months, not a full year at all. Why did the dividends come out so quickly?
"Your Majesty, in order to avoid confusion in the accounts, we plan to distribute the dividends at the beginning of the year to sort out the accounts. After the dividends are distributed in advance, firstly, it can encourage customers to save money, and secondly, the royal family has this
A single dividend payment can also cope with some sudden withdrawal needs, without having to go to the bank counter frequently."
President Gu Tianci explained.
Of course, another reason that is difficult to explain is that the performance of the Beijing Branch last year was very outstanding and made a lot of money, so it is necessary to give customers with large deposits a little sweetness to enhance their confidence and loyalty to Tianxiatong Bank.
"It's ridiculous. How can I, the Son of Heaven, participate in the merchants' dividend meeting? If word gets out, it won't make the world laugh. There's no need to mention this matter again!"
Zhu Youjian said with a straight face and immediately refused.
"Your Majesty, we have a separate room for our supreme clients. We will not be in the same room with other clients. It is guaranteed that no one will see your Majesty. The royal family is the largest client. Even if your Majesty does not go, you must send an important representative.
Go, like the Queen, or Eunuch Wang Chengen, after all, that is a deposit of 21.37 million silver dollars."
Gu Tianci said again.
"There is no pot that cannot be opened! How can the Queen, a female prostitute, show her face at will?"
Zhu Youjian shook his head and found that none of the people who came from Xujiazhuang were reliable and did not understand any taboos. They were all vulgar, rude and uneducated.
But it won't work if we continue to let Daban participate in the dividend meeting as a representative, because Wang Chengen already has enough power. If he is entrusted with important responsibilities again, he may become the next powerful eunuch. The lessons Wei Zhongxian has brought are already too great.
Deep.
What's more, control over money should be in your own hands as much as possible.
After thinking for a while, he said: "I'd better take some time to attend this dividend meeting in person. You guys must help keep it confidential."
"Yes, thank you Your Majesty!"
Gu Tianci nodded repeatedly.
…
On the eighteenth day of the first lunar month, at two o'clock in the afternoon.
On Chongwenmen Street, Beijing Branch of Tianxiatong Bank, the annual dividend meeting was officially held.
All major customers with deposits of more than 50,000 silver dollars received gilded invitations and were invited to attend the conference.
In order to prepare for this dividend meeting, the Beijing Branch not only prepared exquisite commemorative gifts, drinks and food, but also an anticipated lottery, including bicycles, gramophones, mechanical watches and other valuable prizes.
So even to get these gifts and prizes, all the major deposit customers sent representatives to attend this dividend meeting.
Finally, a total of 367 customer representatives signed and reported in the conference hall on the fourth floor of the bank. Together with the accompanying personnel, the originally empty conference hall became extremely lively.
367 people?
Is this number true?
According to the minimum deposit threshold of 50,000 silver dollars, the minimum total deposits deposited by so many customers into Tianxiatong Bank are all above 18.35 million silver dollars.
Are there really so many rich people in the capital?
Yes, there is no problem with this data. There are indeed 367 wealthy people in Beijing who have deposited at least 50,000 silver dollars in Tianxiatong Bank.
The actual number of wealthy people in Beijing will only be much higher than this number, most likely more than a thousand! Tianxiatong Bank has only successfully attracted a small number of customers as customers, and there is still a lot of room for customer expansion.
…
now.
On the fifth floor of the bank building, there is an exclusive room for exclusive customers.
The 368th customer representative, who is also the most important chief customer representative - Emperor Zhu Youjian, as if from God's perspective, saw the surveillance footage of the exchange of drinks taking place in the conference hall on the fourth floor displayed on the big screen in front of him.
After seeing the customer faces one after another.
Zhu Youjian no longer felt magical, curious or excited.
I just feel strong disappointment and anger.
Because of the familiar faces, he thought he was holding his morning meeting.
Most of the customers who came to attend this dividend meeting were his ministers.
Including Wen Tiren, the chief minister of the cabinet, Wu Zongda, a bachelor, and Qian Shisheng—three of the six cabinet ministers came.
There are also Li Changgeng, the Minister of Official Affairs, Feng Ying, the Minister of Punishment, and Zhou Shipu, the Minister of Works - half of the six ministers are also here.
As for other ministers and ministers, even more came. More than half of the customers at the venue were officials from the DPRK and China - and usually they criticized Xujiazhuang very fiercely in the court, but in private they all became customers of Tianxiatong Bank.
.
What Zhu Youjian couldn't accept the most was that a few honest people he thought could be trusted and reused could actually get more than 50,000 silver dollars and became big customers of Tianxiatong Bank. All their money
Where did it come from? With their meager salary, is it possible to save more than 50,000 silver dollars?
"Duplicity seems like loyalty and traitor! Everyone is a greedy, hypocritical and selfish person. I made a mistake and misjudged these people! I was so stupid that I even thought of relying on these people to revive the Ming Dynasty and solve the countless chronic diseases of the Ming Dynasty.
With questions, I am really stupid."
Zhu Youjian shook his head repeatedly, feeling heartbroken and extremely disappointed!
And only now did he truly realize and witness with his own eyes that the civil servants as a group may indeed be unreliable. In the early days of the court, they were still worried about the country and the people's well-being. They looked loyal to the emperor, patriotic, and serving the country and the people.
But in the afternoon, I came to participate in the dividend meeting of Tianxiatong Bank. Everyone's face was red and their smiles were bright, and they were all looking forward to how much dividends they would get.
Two completely different faces, but they could switch so naturally, it was amazing to Zhu Youjian.
I also feel extremely heartbroken!
"Your Majesty~"
Queen Zhou, who was next to him, pulled his arm and comforted him: "Literati have always been more shameless and less loyal. Otherwise, there wouldn't be only one honest official like Haigangfeng. But don't be sad or disappointed. There are loyal people in this world."
There are still many people, for example, there are more than 30,000 people who have participated in the fund-raising and financial management projects. Most of them are trustworthy people. With these people, Your Majesty does not have to belittle yourself or sigh and worry."
Zhu Youjian originally planned to come to this dividend meeting alone, but Queen Zhou, who was in charge of the accounting, strongly requested to come together and take part in the dividend meeting. Zhu Youjian couldn't resist her, so he had to agree to come with her.
Unexpectedly, this woman who is the mother of the world really played a big role. After her comfort, Zhu Youjian was in a much better mood and regained a certain amount of confidence. He was even glad to participate in this dividend meeting, otherwise he would have
You won't be able to see clearly so many people who know people well but don't know what they know.
…
Soon, the dividend meeting officially began.
The dividend rules of Tianxiatong Bank are also very simple. Dividends are distributed in advance according to the regular interest rate.
If you only deposit regularly for one year, you will receive dividends at an interest rate of 1.5%.
If you deposit regularly for two years, you will receive dividends at an interest rate of 2%.
If you have deposited regularly for three years, you will receive dividends at an interest rate of 3%.
If you have deposited regularly for five years or more, you will receive dividends in advance at an interest rate of 5%.
Therefore, if you save for a short period of time, you will receive very little dividends.
The longer you save for a longer term, the more dividends you will receive.
It all depends on the fixed term you selected when you made the deposit.
This led to the fact that after the dividends were first distributed, those customers who had only chosen to deposit for one, two or three years were clamoring to extend the term of their deposits to five years. President Gu Tianci naturally satisfied their wishes.
Request that they all be upgraded to long-term deposit users.
Then there is the lively lottery activity.
Until about four o'clock in the afternoon, all the satisfied customers left with their dividends, gifts and prizes.
Bank President Gu Tiancicai personally received Emperor Zhu Youjian and Queen Zhou and presented them with dividends from the royal family's deposits.
"The royal interest dividend is 1,068,500 silver dollars, which can be taken back to the palace in a carriage at any time. In addition, an additional gramophone, three ladies' mechanical watches, and two new sewing machines will be given. The queen can choose the style she likes.
.”
Gu Tianci solemnly handed over a dividend certificate.
"good."
Zhu Youjian reached out to take the certificate, nodded with satisfaction, and immediately asked: "Today's dividend has been distributed in advance, so how should next year's dividend be calculated? Should it still be calculated based on the deposit base of 21.37 million?"
"No, it will be calculated based on the total deposits next year. For example, if the total deposits reach 25 million, multiply 25 million by 5%. If the total deposits increase to 30 million, it will be 5% of 30 million. Of course, this year's dividend will continue to be distributed.
After that, the deposit in the account must not be less than 21.37 million, and it must be maintained for at least one year. If you want to reduce it, you have to wait until this time next year.”
Gu Tianci explained.
"Okay, I understand."
Zhu Youjian shook his head. Originally, he wanted to take advantage of the loopholes and find a way to suddenly increase the total amount of deposits and earn a high dividend before the annual dividends. But now it seems that this is not feasible.
"President Gu, for your bank's dividend meeting, the total expenditure on deposit interest plus so many gifts and prizes is probably no less than three million silver dollars, but I don't see much profit-making potential. The expenditure is so huge.
If Tianxiatong Bank cannot make ends meet for a long time and makes very little profit, what will happen to our deposits? Can we still get our principal back?"
Queen Zhou suddenly spoke and had to raise a doubt in her heart.
Because she seems to have only seen Tianxiatong Bank spreading money crazily. Although it has also absorbed a lot of deposits, the deposits are fixed and will not grow more food like the grain in the ground. Tianxiatong Bank is so generous.
, the 5% interest dividend was paid out without blinking an eye.
According to such a dividend method, wouldn't it mean that after twenty years, all the principal will be distributed as dividends? How can Tianxiatong Bank fill this big hole?
"Hahaha~"
Gu Tianci laughed loudly at the Queen's question. He felt that the Queen could be described as innocent and cute. How dare she underestimate the profitability of banks and think that this industry is not profitable? There will be people who can't fill the gap in twenty years.
hole?
"Empress, in the past year, our Beijing branch has taken in deposits of hundreds of millions of silver dollars and lent out 13 million silver dollars, with a total profit of more than 15 million. Our gross profit margin is no less than 5%. We don't have to worry about making ends meet.
Question." Gu Tianci said.
"impossible!"
Zhu Youjian immediately interjected: "You just lend out all the treasury silver, with an annual interest rate of 10%, and the profit is only about 10 million. Where did you get 15 million?"
"Your Majesty, this is our business secret. We are sorry that we have no comment, but please rest assured that I am absolutely telling the truth! If your Majesty doesn't believe it, you can send someone to the treasury to take stock every year. Is there too much or too little money in the treasury?
Supervision and inspection are always welcome.”
Gu Tianci said confidently, of course he would not tell that in the money-for-money service, the Beijing branch earned more than seven million silver dollars.
The head office of Tianxiatong Bank located in Harbor City issued an additional 100 million silver dollars worth of light money last year to increase market liquidity, of which the Beijing branch received 5 million.
The two items add up to 12 million.
In addition, the Beijing Branch has invested in five real estate development projects, invested in the construction of 18 large-scale workshops, and invested in 37 gourmet catering projects. The income brought by these investments is much greater than that of lending.
, every project has achieved success, and we have caught up with the best golden development era, so we are naturally not afraid of not making money.
It's just that these business secrets and financial principles must not be disclosed to the outside world according to the internal requirements of Tianxiatong Bank. Maybe in another thirty or fifty years, there may be smart people who have figured out the principles, but now they are all confused and confused.
In a state of understanding, I can only watch Tianxiatong Bank making countless real money.
Seeing Gu Tianci’s assurance.
Zhu Youjian and Queen Zhou couldn't say anything more. They nodded and left the bank. Today's fresh and novel experience also made them decide that it is necessary to participate in Tianxiatong Bank's dividend conference every year in the future.
It must be for the dividends and gifts, but Xujiazhuang does have a lot worth learning, and we should observe more from inside.