Da Qin: The First Emperor was reborn and made me the crown prince at the beginning

Chapter 237

In fact, Yingchen has only taken out the bank now, which can be regarded as more cautious.

Moreover, Yingchen's current business in this bank is still relatively shallow.

It is mainly responsible for the deposit and loan business between merchants.

As for the common people of Great Qin, Ying Chen hadn't thought about spreading these all over Daqin and covering the people of all walks of life.

Because the bank thing seems very simple, but in fact, the risk is still very large.

Of course, for Yingchen, the risk is not big.

If it's a big deal, you'll go bankrupt.

The main reason is that if the people of Daqin suddenly participate in it, with the current shortage of mathematical and financial talents in Daqin, it is very likely that there will be a risk of calculation errors or even complete collapse.

After all, there are a lot of people in Daqin.

And if these people's money is mixed, then the amount of money that needs to be calculated is incalculable.

Moreover, banks are the product of the development of the commodity economy to a certain stage.

The world's first bank, which appeared in the Renaissance period.

And now Daqin, although it has been promoted by Yingchen, has made full progress.

However, this kind of progress has only been around for more than a year, and it has not yet led to qualitative change.

According to Yingchen's estimates, it will take at least five to ten years to cover the entire Daqin.

Even, it was the time when the nine cement roads were repaired.

At that time, from south to north and from west to east, the trading and operation speed of commodities in Daqin will be greatly improved.

At the same time, by that time, the people of Daqin will also have more surplus money in their hands.

Under such circumstances, Daqin's commodity economy will be greatly developed.

At that time, it will basically be able to reach the peak level of the Tang and Song dynasties.

After five to ten years of development, Daqin will also cultivate a group of mathematical talents and financial talents.

When the time comes, it will not be too late for Yingchen to promote the development of the entire bank.

is still the same sentence, governing a big country is like cooking a small fresh!

Can't wait!

Throughout the ages, countless great undertakings have actually succeeded step by step by relying on the slow change of details.

And many beautiful visions ultimately fail, also because they are in a hurry.

Yingchen is only nineteen years old now, what is the hurry!

According to Yingchen's strength in today's human realm, even if he lives to be one hundred and fifty years old, there is no problem at all.

When age isn't an issue, Yingchen prefers to walk a little slower.

So, of course, the current Daqin Royal Bank is also a kind of bank.

It is an investment-oriented bank, mainly for businessmen and large projects and policies.

On the other hand, since there is a bank, there will naturally be interest.

Here, Yingchen said: "Don't be happy too early, since this bank is so convenient, it naturally needs interest." "

As soon as these words came out, the originally excited mood of these wealthy businessmen present suddenly calmed down a lot.

But even then, they don't have any opinions.

Even, if Yingchen gave them such a big benefit so easily, without any demand, they would be worried.

For these businessmen, they are extremely proficient in human nature.

If the other party does not want any interest in one thing, then it means that the other party may have a deep calculation.

And now, Yingchen has put everything on the bright side, so they are relieved.

It seems that Yingchen did not mean to calculate them in this matter.

But seeing that Ling Hucheng, who had now faintly become the leader of these merchants present, stood up: "What His Highness said is extremely true. (Read violent novels, go on Feilu Fiction Network!) ）

"We thought about it, since the bank is convenient for us, then we should pay a certain amount of interest."

"Then the villain will dare to give a number."

"On the deposit, we will pay it at the interest rate of one cent per month."

"And for the loan, if there is collateral, we will pay it at the interest rate of three cents per month."

As soon as these words came out, Hu Cheng was a little apprehensive, and the rest of the wealthy businessmen also looked at Yingchen.

Now, this number is actually a number that matches the price in their hearts.

On the other side, Yingchen was a little crying and laughing.

This is a little different from what he imagined!

If any bank in the future not only does not pay interest on deposits, but also has to pay money to the bank, I am afraid that it will collapse long ago!

And one cent a month, then a year, is 12% interest.

This is simply higher than the interest rate of bank loans in later generations!

And the loan has a three-cent interest rate every month, and over the course of a year, it is 36 percent interest.

It's all right...

Forget it, anyway, this is an operation to enter the game.

And here, seeing that Yingchen was silent, these wealthy businessmen thought that Yingchen was not satisfied.

In fact, even in the Qin Dynasty, there was already an underground bank.

And the interest required by these underground banks is terrifying.

Ling Hucheng and the others thought about it for a while, and suddenly felt that they and the others seemed to be really a little excessive.

So seeing Ling Hucheng, he gritted his teeth: "Your Highness, we have realized, we are too much!" "

"In this way, the deposit will be calculated at the interest rate of one and a half cents per month, and the loan will be calculated at the interest rate of four cents a month!"

As soon as these words came out, the rest of the wealthy businessmen suddenly looked embarrassed.

Now, this is the limit of these wealthy businessmen!

Here, after hearing Ling Hucheng's words, Yingchen's brows furrowed even deeper.

He Yingchen made a mess out of the bank, although it was also to make money, and there was a big plan (Wang Nuozhao) in the later stage, but it didn't mean that he needed to rely on the bank to squeeze the businessmen.

Not to mention deposits, the interest on loans is four cents a month, and it is four percent and eight percent a year.

That's half the profit.

And since ancient times, how many businesses have made more than half of their profits?

Very little!

In the case of extremely squeezed profits, these businessmen will either take risks and do some illegal things, or they will eventually be crushed to death by these interests!

This is not what Yingchen wants.

Yingchen Kai is ready to let these merchants become those swords that can expand the territory for Great Qin!

Think about the operation of the British Empire back then, which simply tied the merchants to the ships of the British Empire to conquer the world.

So, Dan saw Yingchen directly waved his hand: "You don't need a penny and a half interest on your deposit, and you don't need a four-cent interest on your loan, you are not the kind of person who is insatiable!" "。