The layout of Zhang Ji Money Village is similar to that of Zhang Ji Pawnshop, with the same large counter and fence, but the counter is not more than four feet high, only about three feet.
Moreover, there are more people in Zhang Ji Qian Village, and there are many guys, and the guys are all smiling to welcome customers.
As soon as Zhang Chao entered the door, a young man greeted him.
When he saw the pawnshop guy next to Zhang Chao, he immediately smiled and said, "Brother Wang, did you bring this guest official to get the money?"
"This guest officer, there are still a few guests in line in front of you, why don't you sit down here first, and I'll pour you tea."
Zhang Chao was very satisfied with the service attitude, nodded, and followed the pawnshop guy to the side and sat down.
"Business is booming."
"Accept your good words, a lot of them are here to save money."
The guy replied with a smile, while bringing Zhang Chao a cup and pouring tea, the tea is not a good tea, ordinary tea cakes, but just by the intentions of the guys in this store, you can know that the concept of this store is different from the next door.
There are a few benches and a coffee table, and every waiting customer has a cup of tea in front of them, and even refills the water.
The Qian Zhuang guy poured tea for Zhang Chao and did not leave immediately.
Instead, he stood aside and bent down to ask Zhang Chao about his situation.
"I just got a rag jacket next door, and I was a five-way money, but they didn't give me money, only a piece of paper, saying that it was a banker's ticket, and I could exchange money with you."
"The pawnshop gives you a ticket from Zhang Ji Qian Zhuang, which can be exchanged for money."
"Why can a piece of paper be exchanged for money?"
asked Zhang Chao pretending not to understand.
"Because we have a cooperative relationship with Zhang Ji Pawnshop, their money is stored in our bank, which is equivalent to us keeping it for them, and when they need money, they will take the banker's ticket, and we will give money according to the above number.
To put it bluntly, our money bank is equivalent to the pawnshop's treasury, and at the same time, it is also equivalent to their account room. ” Zhang Chao was quite satisfied with this explanation, and said it very clearly.
"Then can I not redeem this ticket today and save it for the next time?"
"Not for the time being, but if the guest officer is not going to use this money immediately, I recommend that you can exchange this bank ticket first, and then deposit it to our bank, and our bank can open a money passbook for the guest officer."
"Why do you want to redeem and save, it's not redundant" "Guest, this is different.
If you cash in this banker ticket and then deposit the money into our bank, the deposit will be given to you with interest. ” "There is interest on saving money," Zhang Chao pretended to be surprised.
At this time, a few people who were also waiting next to him hurriedly said, "There is really interest, and the monthly interest during the survival period is half a cent, if you save for more than half a year, the interest is even higher." ” "There really is such a good thing" Those few seemed to be small businessmen, and they had some money to spare, but not much.
After hearing the good news of the interest on the savings of Zhang Ji Bank, they deposited the money here, and some people even simply used this place as their own money bank and deposited their daily turnover here.
It is not only convenient, reliable and safe, but also can make some money.
Several people were very enthusiastic to tell Zhang Chao about the interest rate of saving money here.
"The interest here is divided into current and fixed, and the current is available at any time, and the interest is only half a cent per month.
There are six kinds of regular periods: March, half a year, one year, two years, three years and five years, and there are three points for three months for regular periods, one point for half a year, one point for one year and five points, two points for two years, two points for three years, and two points for five years and more. ” Although compared with the current monthly interest rate of borrowing from eight cents at every turn, this interest is relatively small.
But in the eyes of many savers, it is also very attractive. 1,000 yuan is deposited for three months, and the monthly interest is equivalent to 1.1% of the monthly interest, and the three-month interest is 33 yuan.
It's also idle at home, and you can have 11 cents a month.
If you save for one year, you can get 180 yuan interest.
Anyway, this interest is quite attractive for people who don't have much money in hand, but have a few spare money.
There are so many hundreds of dollars in hand, and there is not much money, and there is no place to invest and manage money, so the best choice is to put Zhang Ji Zhuang.
Zhang Chao estimated that the interest on this deposit was estimated to be ten times the deposit interest rate in his later life.
He remembered that before he crossed over, the interest rate of the bank's one-year fixed deposit was only 1.5 per annum.
However, considering that the one-year annual interest rate of the next life loan is generally more than four points, which is almost very reasonable.
At this time, the monthly interest rate of lending can be eight cents, and the annual interest rate is generally 100 percent, and the loan interest is much higher than the deposit interest rate, almost six times, much higher than about three times that of later generations.
Although the difference is so many times, there are still people who come to deposit.
Just like Zhang Chao's analysis with Cui Yingying, their target is the change in the hands of ordinary people.
Now the better situation is that some small merchants actually deposit money with him and treat them as a treasury.
This is a good phenomenon, although the money of these small merchants generally does not last long, and during the survival period, they often take it out to buy goods and so on.
But they put their usual business in the bank for safekeeping, but let the bank's cash flow increase.
When Zhang Chao sat here to drink tea and queue up, people kept coming in to save money, and they all heard the good news that saving money has interest.
After many people make a deposit, they get a passbook, which is quite unusual, a bag of copper coins is replaced by a piece of paper.
"Can I really use this piece of paper to withdraw money at any time?"
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"Guest, that's your deposit passbook, you deposit a half-year fixed, regular interest is a monthly interest of one and three cents, if you need money urgently, you can also withdraw it in advance, but if you don't withdraw money in half a year, the interest can only be calculated according to the monthly interest of the current account."
"Ah, this is too bad, if I pass three months, and less than half a year, can't it be counted as a three-month period?"
In front of a window, a small businessman is quite shrewd.
"Back to this guest officer, we don't have this service for the time being, but we will officially start this service in half a year.
At that time, if you have a half-year fixed term, but less than half a year but full of three months, you need to withdraw it in advance, and we will pay it according to the regular interest of three months.
The same is true for other periods. ” "We'll have to wait three months."
The small businessman felt that he had lost a lot.
"I'm saving money to withdraw money, and you want to collect another money for me this passbook?"
The middle-aged man behind the window said patiently, "Three months before the opening of our Zhang Ji Money Bank, we do not charge any business fees, but after three months, we will not charge any handling fees for deposits, and there will be a handling fee for withdrawing money, but this fee will be very small, and you may only charge one or two pennies for a withdrawal." ” "What if I lose this passbook, will I still get my money?"
"Please rest assured, you make a deposit here, and we will give you a passbook in addition to another backup.
Allowing you to register your identity information and leave a secret message when you apply for a passbook, which is also to prevent your passbook from being lost and fraudulently claimed.
If you lose your passbook, then take your account sticker and report it with a secret message, and after checking, you can be reissued with a passbook, and you can receive the money.
In other words, even if you lose your passbook and someone else picks it up, if he can't say the secret language, he won't be able to get the money.
Moreover, we will also leave you a description of the physiognomy here, when you take the passbook to withdraw money, not only must you speak secretly, but also match the physical characteristics of the depositor, and confirm that it is me before we give the money. ” "My family took the passbook to withdraw money, can't I get it?"
"Under normal circumstances, you can't get it, unless he has your account post, and there is also a power of attorney you wrote."
Now the little merchant was very satisfied, "Your method is very strict, it is better to be strict, and the money can't go wrong."
Carefully carrying the passbook into his arms, the little merchant turned and left satisfied.
Zhang Chao sat there, seeing all this in his eyes, and nodded secretly.
"Guest, now it's your turn, please."
The guy came over and reminded Zhang Chao that he was lining up for him.
The guy in the money bank was very conscientious, although he didn't get the ticket number, he remembered very well who arrived first and arrived last.
In front of the window, there was a stool, Zhang Chao sat down and pushed the banker ticket over.
"I want to cash half of it, half of the two thousand five hundred dollars will be copper and half of it will be silk, and the remaining two thousand five hundred dollars, I will save five hundred dollars for a current period, and another two thousand dollars for a fixed period of one year."
The middle-aged man behind the fence was a little surprised, but he didn't expect the one to come who was quite knowledgeable.
However, he still explained the various interest rates again as usual and conscientiously.
"You see, we will give you six horses of silk and 1,300 yuan, and then we will give you 500 current, 2,000 a year on a regular basis," the middle-aged teller suggested.
Those who can come to the money village to be the counter are at least able to write and calculate, Zhang Chao also saw that this person has an abacus on the counter, it seems that Cui Yingying has also popularized the abacus in the money village.
"Yes, just do as you say."
"Did you bring a sticker?"
"I didn't bring it."
"Then you tell me your home address, and also tell me about your identity, etc., I'll keep it on file here.
Remember that the name on the passbook must be left with your real name on the account. ” Keeping his real name is to make up for it in case he loses it, but Zhang Chao doesn't want this person to know that he is actually his owner.
Therefore, I only reported the address of the main workshop, and then the name was Zhang San.
The middle-aged teller didn't expect that this somewhat familiar address was actually the address of his boss's home, and he didn't expect that this young man who exchanged the pawned things for five yuan and saved half of it to the money bank would be his owner.
Two passbooks are completed, one current and one fixed.
Then the guy over there brought six horses of silk and a small bag of five hundred dollars.
Zhang Chao checked it, and after confirming it, he signed and pressed his fingerprint on the counter, and it was finally done.
This kind of passbook is still relatively simple, just a passbook, not a real banker's ticket.
The real banknote should be regarded as the banknote issued by the bank, which is printed and issued with a fixed denomination with its own deposit as a deposit, and can be redeemed at sight and can be negotiated.
However, Zhang Ji Qianzhuang is still a little far away to get that far. t1706231537: