章 481: Can’t understand, come to the door for help
Presenting the most embarrassing and the least likable side in front of other people can make the relationship of two people closer than showing only the excellent side.
Xiao Zian had just seen the ugliness of the Su family, that was unknown to outsiders. Although there was no expression on his face, he was drawn more closely to Su Cha. Although he hasn't decided yet to take over the matter of the bank at hand. At least, he doesn't think Su Cha as a mere businessman, who will cooperate with him to set up the bank.
When the two came to the study room, Xiao Zian and Su Chake exchanged a few words and explained their intentions.
Su Cha had long guessed that Xiao Zian came to visit because of the bank. But when he heard that the emperor agreed, Su Cha still got a little bit excited.
It's a bank ah!
He didn't dare to think about before, but now he has to do it. It's like a dream.
Su Cha was also a person who has seen the world. He can remain calm in front of Xiao Tianyao, and so, of course, he will not lose his calm in front of Xiao Zian. After expressing his excitement a little, he discussed with Xiao Zian the specific details.
Xiao Zian has no other questions. His questions were only focused on interest and profit.
Why do they have to pay interest when people deposit money?
Other banks charged fees for safekeeping and loss. Can they not do the same?
If paying interest, is just to stimulate the people to deposit their money in the bank. Will they offer it in a short time or all the time?
If it's only for a short time, won't the cancellation make the people unhappy?
Is there any possibility of competing with other people's bank business?
All the bank owners have extraordinary status, some even working at the palace court. Must they use power to suppress people in this business?
People are always like this. When they were given a chance, in the beginning, they will take it for granted as if they deserved it. Once you take it back, they will think that you are robbing them. The matter about interest must be considered in advance.
If they will offer it all the time, can they guarantee that the bank can sustain it?
Su Cha indeed proposed a few ways to make money, but for him, it's not enough. Some people earn profits, while some failed. Even if Xiao Zian didn't do business before, he understands this concept. So if they will only rely on doing business to give the interest, Xiao Zian was not at ease.
Xiao Zian's question was exactly Su Cha's question before. Without a second thought, Su Cha explained Xiao Zian.
Interest must be given, but the level will be different!
There will be profits, the question is how much!
Bank business was the safest way to earn money in the whole world. There will be no loss. Even if they lose, it will not affect the foundation. As long as the depositor takes away their money within a year, their bank will not lose money. Instead, they might even earn money.
In this world, there are gains and losses in business, but it only happens most of the time to small businesses. Big businesses will not lose money. Because they have enough money at hand to see through their business. They can continue doing business until they earn money.
If Xiao Zian feels that using the money from the bank to do business is to compete with people, then the bank can do nothing but only to invest, which is also called a partnership.
Just like several of them who set up the bank. If they go for it, they will not intervene in the business process. They will only be paid according to agreed dividends at the end.
As for the issue of using power to suppress people?
Su Cha thinks this was impossible because… …
"Behind the bank is the imperial court and the six ministries. If you want to suppress people with power, whose name should you use? I don't think those generals and ministers will use not use their own name to make money in the bank." Knowing the emperor pulled the six ministries and high ranking generals, Su Cha had to say that the emperor's move was quite high.
Under the supervision of the court and military officials, who will still dare to cause trouble? Those who will dare to mess up with the bank, do they think they will still be able to hold their official position?
Seeing that Xiao Zian was still in doubt, Su Cha continued to say: "Your highness, the bank is a stable business. If I didn't need the permission of the palace court to start a bank, I will not seek their cooperation at all. The reason why I let the court take the lead is that the gold and silvers can only be safe in the East Imperial Court, and opening a new bank is against the central empire. I don't have such an ability, so it's necessary to let the palace court come forward. The Central Empire will not say anything on the bright side, but they will definitely do something in private. Without the palace court's consent and support, the bank will not survive even for a month."
"You are too polite. Let me think about it a little more." Xiao Zian admitted that he was persuaded by Su Cha, but it was not enough. He needed to check it personally, otherwise, he would not be at ease.
"It's a matter of great importance, so it's right for his highness to think carefully." Su Cha didn't bother to persuade him. But before Xiao Zian left, he reminded: "Your highness, once you lose the opportunity, it will never come back. Futian Bank's situation can be said a rare event in a hundred years. If you miss this opportunity, there will be no next time. So I ask his highness to make a decision earlier. "
If he could open a bank without the palace court permission, he will not cooperate with them. The palace court kept dragging things, which can hinder the efficiency of the plan.
"Mmm." Of course, Xiao Zian knew that the Futian Bank this time has transferred out a large number of silvers, and they were in a big crisis now. If there will no additional pressure, they will soon recover from this and resume their normal operation.
Futian Bank was rich and has the support of the Central Empire. They never thought that people will cause havoc. However, except for Lin Chujiu's large amount of withdrawal, no other big customer follow her lead. Only ordinary people who were blinded follow the trend to get money.
When the manager of Futian Bank saw the amount of withdrawal in the past 2 days was gradually decreasing, he thought things had passed. He needs to stop transferring money. He only needs at least 1 to 2 million silvers in the bank for cash exchange just like before.
Futian Bank has stopped transferring silver in their bank from the outside. Su Cha and Lin Chujiu don't know about it. But Su Cha knows that the number of people going to Futian Bank to exchange cash these days has gradually decreased. Only a few people were now lining up outside. The amount of money they will take out can be see said not so big, so it will only give a little impact to the Futian Bank.
Seeing that the chaos was about to pass, Su Cha became anxious. He wanted to urge Xiao Zian to come to his door. But he was afraid that his anxiousness would make Xiao Zian hesitate more. In the end, he decided to grit his teeth and find Lin Chujiu.
Opening a bank was Lin Chujiu's idea. Now that he has a problem, it's only natural to find Lin Chujiu to solve it, right?
But… …
Su Cha was about to step on the carriage when suddenly a shadow guard blocked his way: "There's a letter from Wangye!"
Xiao Tianyao wrote back, but Su Cha hasn't set up anything yet… …
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