The second is to add more to the moonlight that can't be caught for memories Zhang Chao and Cui Yingying are both keen to make money, Zhang Chao wants to make more money, so that he can live a comfortable and comfortable life in the Tang Dynasty, and if he has money, he can also build the more than 16,000 acres of ditch slope he bought into an ecological breeding and planting base.
Cui Yingying thought more simply, and she could buy land when she made money.
Buy a lot of land, and buy as much as possible.
Cui Yingying wished that his family could have 10,000 acres of fertile land, and others were unwilling to sell the land, so he would throw money until he was willing to sell it.
If you can't buy land, you can go to Lantian to buy it, Xinfeng to Jingyang, Liyang, Xianyang, or even Hedong, Henan, Hebei, Shannan, anyway, if you buy it, even if you rent it out, it is a high-quality industry that can be passed on to your children and grandchildren.
Both husband and wife can spend money, so Zhang Chaoyue needs to make money.
Fortunately, Zhang Chao is still a person who can make money, Cui Yingying is also more able to make money, her means of making money are much more direct and simple than Zhang Chao, there are shops in the city, and there are manors, but these are nothing, since I heard Zhang Chao tell her about the business philosophy of some pawnshops in Qianzhuang.
Cui Yingying, the first abacus master of the Tang Dynasty, has already pondered this matter.
Cui Yingying plans to open a new pawnshop in Chang'an, specializing in mortgage lending, collecting movable and immovable properties as collateral, and then lending and lending.
She even thought about the pawn price, and the mortgage price was only 40% of the original price, and the interest was paid for redemption, and the interest was set at 8 cents per month.
If it is not redeemed at the expiration of the period, it becomes the property of the pawnshop, which cannot be redeemed again, and is sold by the pawnshop.
It can also provide death and renewal.
According to Zhang Chao's suggestion, Cui Yingying plans to set the current period within two months, regardless of the amount of pawn, the live pawn is only two months.
At the end of two months, it can be renewed for two months, but it can only be re-mortgaged at the price after the mortgage, that is, it is mortgaged at 40% of the original price, and the interest will be increased by one point.
Only one renewal will be accepted.
And after the expiration of the period, if it is not renewed or renewed without redemption, it will be turned into death.
Or you can die directly at the beginning, and death cannot be redeemed.
Directly, Cui Yingying plans to make the price at half of the original price.
Anyway, no matter how you calculate it, this is a very cost-effective deal, and at present, only the major temples have a temple treasury and operate pawns.
There are only a few shops in Chang'an City that operate this kind of business at the same time, and no one regards this as a real business.
Cui Yingying thinks that it can be done, what is needed for pawning is cash, what is earned is interest, and there is collateral anyway, so it is much safer and more reliable than ordinary profits.
Zhang Chao has no objection to Cui Yingying's idea of opening a pawn shop, in fact, this is indeed a good deal.
Of course, he has abundant capital, so he proposed to Cui Yingying that if he wants to open a pawn shop, he can actually open another money shop.
Cui Yingying's wedding originally had a gold and silver shop, which not only made gold and silver jewelry, but also did exchange and other businesses, and even had a storage business.
Originally, the credit was not bad, but the money bank that Zhang Chao said was the same as a pawnshop, not engaged in various businesses.
Qianzhuang only specializes in exchange, deposit and loan business.
If it reaches a certain scale, it can even be exchanged.
"Why do you have to open a pawnshop to open a money shop first" Cui Yingying asked shamelessly, Cui Yingying admired all kinds of business ideas in her husband's mind.
"Because unless you open a pawnshop just for a small fight, you need a lot of cash, otherwise even if you set the current period at two months, but this time is not short, it will greatly occupy your liquidity, without money, you can no longer collect loans."
Zhang Chao explained to his wife carefully.
"Go on."
Cui Yingying looked serious, and kneaded Zhang Chao's shoulders with both hands.
"Well, a little harder, yes."
In the afternoon, the Zhang family, which had been lively for a long time, was relatively quiet, and the father was also enjoying happiness in the house.
On the first day of the new year, the family said that sleeping was a blessing.
Zhang Chao and Cui Yingying were also happy on the kang, but when they talked about the pawnshop, Cui Yingying lost sleepiness.
"You have to first understand what a money bank is, and a money bank is a money bank, which is engaged in the business of exchange, deposit and loan."
"The gold and silver shop also does exchange, custody and lending, what is the difference between the money bank and the gold and silver shop" Cui Yingying was very smart, and asked the key at once.
Zhang Chao lay down and pillowed his head on Cui Yingying's lap, which was quite elastic.
"Rub my head for me."
Cui Yingying's fingers are very slender, with a little nails, which are very clean.
Fingernails run across the hair, and there is a very tingling feeling.
Zhang Chao closed his eyes comfortably, smelled the fragrance on his wife's body, enjoyed his wife's head massage, and then explained to her the difference between the money bank and the gold and silver shop in a somewhat mocking manner.
"Although the gold and silver shops are also engaged in the business of exchange, deposit and loan, their main business is still to make gold and silverware, while our bank is specialized in exchange and lending, and even our focus is on deposit and loan business."
Last time, Zhang Chao went to the gold shop to exchange gold, and he had to charge a high handling fee for exchanging gold for copper coins and silk.
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Even if they deposit money in a gold store, not only will there be no interest, but they will also charge a storage fee.
It's a money grab.
There is also a custodian fee for depositing money, and they simply treat themselves as a safe deposit box in the bank.
Zhang Chao felt that these people were still a little too stupid, and the interest rate on loans was so high that they could actually absorb others to make deposits, and then they would take the deposits to lend.
As long as there is no storage fee and the money is changed to save money with interest, I believe that many people will be willing to save money.
After all, it is not safe to put money at home, and it cannot earn interest, if it is placed in the money bank, it is safe and can still earn interest, and someone must be willing to do such a good thing.
"But why do you put money in our bank, some people store money in gold stores, and most of them are only for short-term storage, and most of them are inconvenient to carry when foreign merchants are in Beijing, so they store the money in gold and silver stores for safekeeping, which is safe and reliable."
Cui Yingying asked a question.
"And those big families, who have money and don't need to be in the deposit store, they can directly take out loans, with higher interest rates, or to buy land and buy real estate, which is also very cost-effective."
In these years, there is no national bank and commercial bank, and large households play the role of banks, and private loans are all borrowed from them, and the interest rate is very high and quite cost-effective, so Cui Yingying does not think that if you give some interest, rich people will deposit money in their bank.
"Even if it is an ordinary medium-sized family, there is not much money left, and it cannot be used to borrow money and buy land, etc., but it will not be left at home in vain.
They usually put it in some familiar stores, give the money to the store, and then distribute some dividends at the end of the year. ” This is another very characteristic situation, generally people who do not have much money left in their hands, but also know investment and financial management, can not buy land can not buy land, but can put the money in the shop, the shop will give a good income interest, at the end of the year can dividends.
The shops got a cheaper operating capital than borrowing, and those people also got a lot of interest, which was mutually beneficial.
"San Lang, there is another question, if we take the money deposited by the guest to lend, what if the guest wants to withdraw the money, and the money we lent out cannot be recovered for a while?"
Zhang Chao had to admire Cui Yingying's business acumen and draw inferences from one another.
I was not immediately confused by the prospect depicted by Zhang Chao, and I was able to immediately consider the flaws and shortcomings.
"What you said is indeed a problem.
However, I have a solution.
Don't stop, keep pressing, it's comfortable. ” "First of all, the first question is that the money that is usually kept for customers in the gold shop is short-term and temporary, which is true.
It's not wrong that big families don't deposit their money in gold stores, but instead lend money and buy land themselves.
Generally, people who have some money will take the money to the shop and receive dividends, which is quite common.
Therefore, if we want to attract customers to save money, then the three types of people, such as wealthy businessmen, large wealthy families, and general medium assets, are not our target customers. ” Cui Yingying's hand stopped, she didn't understand, except for these three types of people, who still had money to save into their bank.
"Of course there is, in addition to them, there is another type of people, that is, ordinary people."
"Ordinary people, but they don't have money" "No, they have money, just not big money.
Now, although the world is in turmoil, the Tang Dynasty has ruled the world and ended the chaos, even ordinary people are slowly getting better.
Among them, there are many yeoman farmers, government soldiers, etc., who do not have a lot of money in their hands, but they still have some small money.
Maybe they only have 1,800 yuan in their hands, or 3,500 yuan, which is very little, and they can't buy a field or land, and even if they want to invest money in a shop, they will not accept it. ” Zhang Chao smiled, "But we can collect it, although everyone has very little money in their hands, as long as we absorb enough, then the dripping water can gather into the ocean."
Imagine that if a person saves 500 yuan, 1,000 people are 500 yuan, and 10,000 people are 5,000 yuan.
Five hundred yuan is a lot, but five thousand yuan is a lot of money. ” "And if we set the deposit interest rate only to 30% or even 20% of the lending interest, if you think about it, this is equivalent to us taking their money to make money, one in and one out, there will be two or three times the interest on the book, do you think this business will not make money?"
"Borrowing Chickens to Lay Eggs" Cui Yingying suddenly understood, the real empty glove white wolf.
She was a little surprised, why in her husband's eyes, it was so easy to make money "Don't be too happy, it's not just a chicken-and-egg borrower.
First of all, you have to have enough credit so that people will deposit money with you, and secondly, you can't use all your savings to lend and earn interest.
You can only lend out a portion of your savings because the depositor may have to withdraw money at any time, and if you lend all your money, when you can't give it to the person who took it, then your credit is over, and no one will come to you to deposit money in the future. ” "How much to keep" Zhang Chao smiled, "There is no certain number for this, to be specific, the more deposits you attract, the more money you can occupy to borrow, and the reserve of deposits can also be pressed to a lower level." ” "Why" Zhang Chao is not easy to explain the details to him, but this is a traceable law, the more depositors, the fewer people who deposit at the same time.
"If we open a new bank, I think we have to prepare at least 40 percent of the reserve requirements."
"Is the four achievements enough" Cui Yingying was happy when she heard this, if the interest on the deposit is only two or three percent of the loan, then even if the forty percent of the deposit cannot be used, it is still very high.
"We can set several fixed deposit periods, that is, when you save money, set a withdrawal date, and you can withdraw it when it expires.
The longer the term, the higher the interest will be paid.
Ready-to-take demand has a lower interest rate.
If you withdraw it before maturity, you will not be able to get the original interest and will have to reduce the interest.
In this way, savers can keep their money for longer. ” "Of course, you also have to take into account the cost of doing business, and the bad debts of the loans.
If you want to reduce the risk, you can lend money to a pawn shop.
In this way, the money bank gets a relatively stable and reliable interest from the pawnshop, and the pawnshop also has a source of funds, and gets the high interest rate of mortgage lending, and subtracts the interest from the loan to the bank, and through the interest difference, it can still make a lot of profits. ” After going around, Cui Yingying finally understood the reason why Zhang Chao said that he should open a pawnshop first.
Raise money through the bank and lend it to the pawnshop as the capital for lending.
The pawnshop has the capital to lend, and the bank lends part of the absorbed deposits to the pawnshop, reducing the risk of lending directly.
"Why do you want to open two, only one, both deposit and loan, and mortgage, isn't it good?"
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"No, it's better to operate separately, to reduce risk and increase risk tolerance.
Moreover, it is more professional to do it separately and only do one. ” In business, some people are very taboo and greedy for perfection, they want to do any business and make any money.
In fact, this is a wrong approach, the more projects you do, the more cross-industry and cross-border cross-border you have, and the more resources and energy you consume.
Only by specializing in one can you do the best and do your best.
The reason why those gold and silver shops have been doing this kind of business for a long time, but they can't do it is because their main business is not this, but only part-time, and the resources and energy spent in this area are limited.
Zhang Chao is going to be stronger and bigger.
At the beginning, pawnshops and money banks can cooperate with each other and support each other, but after the two become bigger, they may not necessarily have to be tied up and developed all the time.
When the bank becomes bigger, with credit, it will be able to attract more deposits and choose better project investment returns.
In the future, pawnshops can open chains, and even raise operating capital with lower interest through other means, so as to obtain more dividend income.
If there can be a development of one or two decades, and there is no interference from the imperial court, Zhang Chao feels that it will not be a problem for Qianzhuang to open hundreds of branches in all the states of the world at that time.
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