Chapter 80 The First Expansion of the Family Ding Bing In fact, Quan Xu also knew that Chen Ying brought people over, including the shopkeeper of a gambling house and the shopkeeper of two money houses.Quan Xu explained to Chen Ying: "The biggest difference between the money bank and the bank is that the money used by the bank to lend is their own, while the money used by the bank to lend is the depositor's. ”Chen Ying listened to Quan Xu's explanation, and his eyes gradually brightened.The concept of the bank proposed by Quan Xu is essentially different from the money bank, using a small amount of interest to absorb deposits, and then use them to lend, and the loan interest minus the deposit interest is his profit.It is equivalent to taking other people's money to lend, but the money earned is your own.Chen Ying suddenly thought of another possibility: "Master Quan, I'm afraid that they will make it bad, for example, keep the silver in our bank, and let people come and withdraw money before it expires, or trick all the people into withdrawing money, I'm afraid it's ......"
Quan Xu pouted: "We are the ones who make the rules!"
”Chen Ying was a little puzzled."
We have two modes of deposits, both current deposit and dead deposit, current deposit and withdrawal, that is, money can be used at any time, can be withdrawn at any time, the interest calculation method is calculated on a monthly basis, 10,000 taels of silver deposit, the monthly interest rate is 1 percent, you can get the interest of 10 taels of silver a month, then a year, it is 120 taels.If the same 10,000 taels of silver, if it is a three-year fixed period of deposit, then the interest is as high as two percent, and the interest can be obtained for a year of two hundred and forty taels, if the fixed period of deposit and withdrawal, the interest is three percent, three percent is the highest interest, and the deposit of one million taels, a hundred years of fixed period is also three percent!
”Quan Xu explained: "Our current silver deposited in the bank is less than 1,000 taels, which can be withdrawn at any time, more than 1,000 taels to 5,000 taels, you need to make an appointment three days in advance, between 5,000 taels and 10,000 taels, you must make an appointment more than five days in advance, and 10,000 taels to 50,000 taels need to make an appointment 10 days in advance, so as to leave us ample time to prepare."
A rich man has deposited 100,000 taels of fixed-term silver in our bank, and if he wants to take it out, he needs to make an appointment half a month in advance, and half of the interest will be deducted. ”Chen Ying and the shopkeepers behind him suddenly realized.They feel like they've been living with dogs for so many years.has been in business for more than ten or twenty years, and it is not as good as Quanxu.Chen Ying's reaction was indeed fast, and he asked: "Although we are not afraid of bad debts from depositors, banks are also afraid of bad debts. ”"Stupid!"
Quan Xu is a man who stands on the shoulders of historical giants, and the banking system has a mature operation model in later generations, he smiled without thinking: "Before you lend, you pre-evaluate his loan repayment ability and fixed assets, after being like a beggar who has nothing, or a homeless person, he comes to borrow money, will you lend it to him?"
”Chen Ying shook his head: "Don't borrow!"
”"If you still dare to lend money to them, I can only say that your brain is caught in the door!"
Quan Xu sneered: "If, if there is a flood or drought, and the grain yield in the field is reduced, ordinary farmers have neither seeds nor farming tools, they can use their fields or houses as pledges to borrow money from our bank, and the maximum limit is not more than 50% of his net worth!"
”When the real estate boom, banks dared to lend 30 percent or 10 percent of the down payment, but now in general, it is 40 percent, or 50 percent of the down payment.It is enough to prove that the bank has fully taken into account the possibility of a bubble in real estate."
Got it?""
Got it!"
Quan Xu continued: "Remember, although we are not Kaishantang, but the rules are dead, and we must also operate flexibly, if ordinary farmers borrow from us, when repaying, there is no silver, and the grain can be collected, cattle, sheep, horses, and pigs can be collected!"
”"No problem!"
Quan Xu looked at Chen Ying and said, "You can rest for a day, or you can go right away, choose suitable shops in the Daimyo's Mansion, Guangping Mansion, and Shunde Mansion, and then prepare to recruit craftsmen on the spot and build a bank." ”Quan Xu was not going to get the bulky cement, but considering the quality of the houses in this era, he had to work hard to purchase a large amount of reinforced cement and build the bank into a small fortress, so that even if it was bombarded, it was enough to ensure safety.Considering the land of the three prefectures, mainly after next year, these three places are all under the jurisdiction of Lu Xiangsheng, and he is currently cooperating with Lu Xiangsheng in the honeymoon period, which can reduce the resistance and squeeze from the government.Chen Ying figured out Quan Xu's intentions and the operation mode of the bank, he nodded at a thin young man behind him, and the young man took out the bank rules and regulations that had just been written, and then Quan Xu realized that the man named Zhao Yingdeng was actually a stenographer.And it was a stenographer with a brush, a wolf pen with a toothpick, who recorded the content expounded by Quan Xu in detail in the format of classical Chinese.Quan Xu looked at the record and nodded with satisfaction: "Yes, yes, but these systems have all been changed to vernacular, not only for our people to figure it out, but also for depositors and farmers and merchants who are ready to borrow!"
”"Yes, Master!"
Chen Ying watched Quan Xu finish talking about the important question, he clicked his mouth, and glanced at the people behind him, and everyone bowed down and said, "Master Quan, let's retire!"
”"Wait, Sanniang, you and Steward Yuan, arrange for them to stay!""
It's Xianggong!"
After waiting for everyone to leave, Quan Xu looked at Chen Ying and said, "Do you still have something?"
”"Yes!"
Chen Ying said with a solemn face: "The Huangfu is over!"
”"Finished?"
Quan Xu knew that he cooperated with Liu Qiao and cheated the Huangfu for 270,000 taels of silver, although it was said that the Huangfu was extorted for 270,000 taels of silver, which would hurt his vitality.However, this is the end of the Ming Dynasty, not the afterlife.Most of these industries in Huangfu are fields, houses and shops, which do not require large-scale liquidity, and can be relieved for three or five years at most.Chen Ying sighed and said: "Today, the eldest prince Huang received a blackmail letter from the other party again, asking them to prepare 200,000 taels of silver, otherwise they will tear up the ticket, and the eldest prince and the second prince quarreled!"
”Quan Xu nodded, he understood a little.In this era, it is not the same as in later generations.In later generations, the son's family property is solid, and the parents have no place to stand abound, but in the Ming Dynasty, the consequences of unfilial piety are very serious.If he doesn't save him when he dies, Huang Dagongzi's official will definitely not be able to be an official.Liu Qiao also played this hand and continued to collect the wool of the Yellow Mansion?
It's kind of interesting."
What do you mean......"
Chen Ying smiled bitterly: "Huang Ge Lao is kind to me, now that the Huang Mansion is in trouble, Chen can't see death without help, so he should be willing to invite the owner to ...... the Huang Mansion" "Give a helping hand?"
”"Sell off the property for acquisition!""
What" Quan Xu didn't react for a while, didn't he want to repay the favor?
Acquisition of Huangfu's industry, what kind of retribution is this?
Chen Ying said seriously: "There are a lot of high-quality industries in Huangfu, and the whole master can buy them, of course, now that Huangfu is in a hurry to use money, he can also fiercely reduce the price, and the major wealthy families in the Daimyo Mansion have secretly formed an alliance and are ready to sweep all the industries in Huangfu, this speed must be fast!"
”"You are responsible, how much silver do you want, find Sanniang!"
Quan Xu naturally wants to fulfill Chen Ying's wish to repay his kindness.…… The private school education in the Ming Dynasty has formed a Dacheng method.The first step is to teach the book.This is from the gentleman's point of view.From the student's point of view, it is called "Shangshu".Because the students have to carry the books to the teacher's desk by themselves, it is called "going to the book".It is the student who takes the book, turns to the page to be studied, and teaches it to the gentleman.The gentleman gave him a sentence to read.Ancient dot sentences have special tools, slightly longer than toothpicks, generally made of wood, chicken bones, iron, and some high-end ivory.One end is thick and the other is thin, with a circle at both ends.Use it to stamp the ink and cover it where the sentence is interrupted in the book, which is a circle, indicating the sentence reading.Usually a small circle indicates a comma and a large circle indicates a full stop.There are also small circles for commas and periods, and large circles for good use of the word.But the general comment is wonderful, and a point will be pointed next to the word with a red pen.In this section, if the student is old and can read the sentence, he will order it for his husband to revise.Then it is called "reading", that is, Mr.
Fan reads, and the students read along.Imitate sentence by sentence.The meaning of the simple explanation that can be understood by the student's age group is a string lecture.Storytelling is especially important.With the arrival of Chen Ying, the students of Jinyi Academy have expanded again, and the shopkeepers brought by Chen Ying have their own families and children.Of course, the income of these shopkeepers in this era belongs to the middle and high-income groups, and the income of each of them far exceeds that of six or seven officials, of course, the status is very different.I used to study at a private school in Huangfu.Now that they no longer belong to the Huang Mansion and have become Quanxu's people, naturally, they sent their children to study at Jinyi Academy.There are more than 40 of these children, but Niu Jinxing and Sun Zuwang are very happy, and the children of these shopkeepers are more than the children of Quanxu's family Ding Bing, they have to go to school earlier and have a certain foundation.Among the children of Quanxu's family soldiers, the most outstanding person is Yuan Zongdi, Yuan Zongdi followed Yuan Shiqing to read and write, and has already read nearly 2,000 words, and can basically read the "Three Character Classic".In Niu Jinxing's view, if it is said that Jinyi Academy can produce the first talent, it must be Yuan Zongdi, directly now, Niu Jinxing has changed his mind, especially Huashanhu's son Hua'an, who is simply a little prodigy, only six years old, has already read more than 3,000 words, and began to read the "Analects".The arrival of these people further promoted the prosperity of the farmers' market in the whole compound.At present, there are as many as 167 children studying in Jinyi Academy, but there are 71 students between the ages of 12 and 14.After much deliberation by Quan Xu, he decided to take these teenagers into the family soldiers as well and train them with the adult family soldiers.