Yang E's beautiful eyes looked at Dongfang Yong expectantly!
"The big project I want to talk about is called a bank!..." Dongfang Yong said the bank's stuff bit by bit.
After hearing this, Yang E was sometimes surprised, sometimes frowning. After Dongfang Yong finished speaking, Yang E said: "After listening to your words, you actually integrated the two industries of pawnshop and banker, and adjusted them according to your ideas.
Monthly interest. Although it is very feasible, but did you know that although there were pawnshops and banks in the Qin and Tang empires, the law actually did not allow lending. Those officials did it secretly, and they were afraid of being known by the emperor! We
How can you put it out there?"
Dongfang Yong chuckled and said: "Sister, your business ideas are still only at the level of no business and no treachery. You also always think that businessmen are just like liars who defraud people's money! In fact, you are wrong. Businessmen actually serve the people of the world.
Blessings! The phenomenon you mentioned exists, but why is it like this? Because pawnshops and banks have to repay about ten times the interest for loans. They are like cannibals. The emperor naturally cannot let this happen for the sake of his own country.
It happened, so the law doesn't allow it. But why are ordinary people showing up to a pawnshop that is obviously a cannibal?"
Yang E was dumbfounded by the question and frowned. In the end, she couldn't come up with a result and had to look at Dongfang Yong with wide eyes.
Dongfang Yong took a sip of tea, looked at the light and heat in Yang E's eyes, and felt a little satisfied, and then said: "Because ordinary people need money. Once they encounter a famine, they will not have money to buy seeds the next year."
"Xiatian, if they don't borrow this money for cannibalism, many members of their family will starve to death this year. So some of them would rather be eaten by pawnshops and bankers than have their families starve to death..."
When talking about this passage, Dongfang Yong thought of the farmers he saw on the road, and a sad look appeared on his face.
Yang E was very attentive and asked softly: "What's the matter?"
Dongfang Yong sighed and told what he saw on the road. After hearing this, Yang E also showed pity on her face and said: "I really didn't expect the lives of those people to be so miserable!"
At this time, Yang E's eyes looked at Dongfang Yong with a hint of inexplicable affection. She didn't expect that this young man with such a pure color would be so kind-hearted!
At this time, Yang E also understood the business opportunities and public sentiment from Dongfang Yong's words!
She thought about it for a while and said: "This... is the business opportunity and public support you are talking about! All the pawnshops and banks in the world are cannibalizing people. Once there is a bank like you mentioned, the monthly interest rate is completely acceptable to the common people.
Yes, then pawnshop and bank lending will become a thing of the past, and this is your business opportunity! The bank has broken the stereotypes, completely oriented towards the people, and completely benefited the people. The people will also sincerely appreciate you, and the people's hearts will naturally grow more and more!...
And as you said before, this bank can establish a huge image and credibility. In the future, the imperial merchants will be widely welcomed among the people under the banner of imperial merchants. In addition, they can sell goods that the people need and can afford, then...
…”
"Ha! If we really do as you say, then... the benefits we will get will be endless!" Yang E thought along Dongfang Yong's train of thought, and the more she thought about it, the more surprised she became, as if countless longings before her eyes would become reality.
!Her tone also became excited.
"Yes, this is just one aspect. When we establish credibility, the deposits, loans, insurance, etc. in our bank will play a major role!" Dongfang Yong said with a smile.
"Insurance?" Yang E heard another novel term and looked at Dongfang Yong expectantly.
"The so-called insurance...!" Dongfang Yong explained the concept of insurance, and then gave an example: "Just say that to buy insurance for soldiers, you only need to pay a small amount of money. When the soldier unfortunately dies on the battlefield, the bank will
A large amount of insurance money will be given to the families of the martyrs, so that the lives of the martyrs’ orphans can be guaranteed! This insurance is actually very profitable, but it also does a great thing for the soldiers. They all want to have no worries! Moreover,
They have no worries anymore, and their military morale is towards the Qin and Tang Empire, and they will be willing to fight tooth and nail to protect the empire! I believe the emperor is most willing to see such a scene!"
Yang E said excitedly: "You are so smart. This is why you are so powerful in persuading the emperor!".
"No, this is just a small aspect!" Dongfang Yong smiled mysteriously.
"Stop being so pretentious, you clearly know that I am eager to know the answer!" Yang E urged, but she didn't realize that she was acting coquettishly!
"Hey, sister, have you forgotten the joint-stock system I mentioned before?"
"Remember? How about that?"
"Banks are very profitable. If banks are practical, they can win the hearts and minds of the people, benefit the people, and protect the country! But it is also a high-risk industry. If your business name was not Huangshang, I would not dare to mention it to you.
. But even if you are an imperial businessman, you cannot be the only one, otherwise if you encounter risks, it will be like pushing down a golden mountain and overturning a jade pillar. So you still need to attract shareholders. And the first one to attract is the emperor!"
"emperor?"
"Yes, although the emperor's merchant is called the emperor's merchant, I believe that not much money enters the emperor's pocket every year?"
"Well, that's right. Half of the annual dividends from the imperial merchants go to the Ministry of Household Affairs, and the rest is distributed to the royal relatives, old and young. When it reaches the hands of the emperor, there is not much left." Yang E nodded.
"Before you said that the emperor wanted to take back your imperial merchants, one of the reasons was that the emperor wanted to put more money into his pocket. Now you have secured the emperor merchants. At this time, the emperor is in the most pain. If you go to take the bank's
I told him how to make money, and gave him 10% of the emperor's shares for free, which is called dry stock, and he said that 10,000 gold can buy 10% of it!"
Yang E's eyes lit up and she pinched it with her fingers. She seemed to be considering the chance of the emperor succeeding in this matter!
"For the bank's shares, the emperor will keep 20% of the shares, 10% will be given to the emperor, and the remaining 70% will be left to the emperor. My sister must keep 10% for herself. I will go to my family and talk about it, and I will also buy 10% or 20% of the other shares.
"My sister wants to join forces with the emperor and win over powerful people in Bauhinia City to buy it. In this way, everyone will share the risks in the future, and the stronger the shareholders, the stronger the backend of the bank. No one dares to pinch it!" Dongfang Yong sneered!
road.
"Ah? I want to buy it too? Don't I have an imperial merchant?" Yang E asked in surprise.
"No, Huangshang is not yours. Huangshang's dividends still have to be distributed to other people, but what's yours is yours!" Dongfang Yong reminded.
Yang E felt warm in her heart, he was thinking of his own benefit!