Chapter 105 Saving and Borrowing Money

The next thing to be auctioned has not yet reached the mirror, but is something else that has never been born in this world, and that is deposit interest.

Zhou Huairen spent a long time and finally made everyone present understand. The next auction is for five places. Each place can deposit one million yuan in Zhi Dao Bao. By this time next year, you can Taobao took away 1.05 million yuan.

"I said, boy, are you mentally ill? People deposit money here with you, shouldn't you charge a custody fee? How can you give people money in return now? Aren't you going to pay compensation this time next year? Did you pay 50,000 yuan?"

Li Shimin said with some confusion. He originally thought that his grandson was very smart, but now he feels that there is something wrong with his brain. Of course, this cannot be blamed on Li Shimin. The money bank has not appeared yet. Even if the money bank appears, you will be with him. You have to pay a custody fee to deposit money there, but I have never heard of you being able to get money from here.

"Of course I won't lose money. I open my door to do business just to make money. Who can think about losing money? You old man only sees that I have to pay him 50,000 yuan in interest next year, but in this year's time, I can use his one million guan, and I can also make big money into small money. As long as the profit is more than 50,000 guan, then won’t I make a lot of money?"

Li Xiang was drawing pictures on the table while he was talking. Although Li Shimin understood what Li Xiang said, he still felt a little incredible. After all, fifty thousand yuan is not a small amount, not to mention that your business may also go wrong. Once you lose money, At that time, they won’t even be able to pay back their principal.

When Li Shimin said this, Li Xiang also knew how to answer.

"Grandpa is right. It is indeed possible for me to lose money, but it is not possible for me to lose money on everything. I will only lose part of it, and most of it is still acceptable, as long as the bad debt rate is stable under a certain benchmark. , then I can still make a lot of money every year.”

Regarding this issue, no matter how Li Xiang explains it, people of this generation are not clear about it. Li Shimin is also confused, let alone the people below.

“Can someone come and deposit money?”

Li Shimin said with some doubt.

"Of course there will be. For example, grandpa, the national treasury earns 12 million yuan a year, and he is escorted to Beijing twice a year. When the court is rich, would you rather let him grow hair in the treasury? Or deposit it with me? Coming here?"

Li Xiang started his own deception. If the Hubu Yamen deposited money here, it would be able to encourage many people to save money.

Li Shimin calculated in his mind that there would be 2 million guan in the treasury as a reserve at all times. If all of it was put into Li Xiang's place, it would become 2.1 million guan by this time next year.

However, Li Shimin was still a little worried. Even if he wanted to save money, he could only save one million dollars. The remaining one million dollars would still have to be kept in the treasury to meet unexpected needs.

"In order to support your Zhi Da Bao, grandpa first asked the Hubu Yamen to deposit one million yuan. However, when it expires next year, you must give me the principal and interest. If you want to save two million yuan, use When there is money, there is no money.”

Li Shimin also spent a lot of money from Li Xiang, so he had to help when it was time to help. What's more, this money can't produce children in the treasury, so it is better to deposit it with Li Xiang. Then Li Xiang will still be able to help. You can give me big money to make small money.

"It doesn't matter if you don't have money. You can borrow money from Zhi Da Baolai then! For example, if the court needs money, if the money from the Hubu Yamen is not in place, the court can come to me to borrow money. I only need to collect A little expense.”

Li Xiang explained this, and Li Shimin became interested. The court was always short of money. Whenever it was short of money, the court wanted to sell the palace.

"How much does this cost you?"

Li Shimin knew that his grandson would not be able to afford it early, so he had to ask questions clearly.

"Not too much, not too much. If you want to borrow a million dollars, just give me 1.15 million dollars next year."

When Li Xiang said this, Li Shimin immediately slammed the table. You are simply killing your life. When people save money with you, you only give them 50,000 yuan as a benefit. Now you are using the money When I lent it to others, it tripled in value!

"Why don't you kid go grab it?"

Li Shimin said angrily.

"Grandpa, don't say that. Think about it when you are in a hurry for money. If someone is willing to lend you money, you only need to pay a small fee, then you can solve the problem. But if there is no If someone lends you money, then even if you want to get back the favor fee, the matter will be delayed. Compared with the favor fee and what you want to do, the favor fee is nothing."

Li Xiang happily began to brainwash people. It would definitely be very difficult for people in this era to accept such new things. However, Li Xiang is not in a hurry. Currently, he is only dealing with large customers. Li Xiang is not willing to do it with small customers. The hands of ordinary people There isn't that much money.

"Five thousand dollars."

Just as the two men were arguing, the auction below had already begun, and the bidder was Cui Yuncheng, who was going to buy the first spot.

The Cui family has a lot of money, and now they can earn interest if they keep it with Li Xiang. Why not? In their opinion, Li Xiang is a fool, and they are not afraid that Li Xiang will not pay back the money. After all, Li Xiang is the emperor's eldest grandson. The East Palace is still there, are you still afraid that Li Xiang will run away?

"Seven thousand dollars."

Just as Cui Yuncheng finished speaking, Mr. Wang from the Wang family in Taiyuan also stood up.

Although the strengths of the several major families are different, when it comes to deposits, there is still not much difference. Your Cui family can come up with a million dollars, and our Wang family can also come up with it.

Moreover, during the years of accumulation, this money has been kept at home. According to what they just thought, it is impossible for new money to be generated at home. Next year, they can receive interest on 50,000 yuan. This is not a small amount. Fifty thousand dollars can do a lot of things.

"Eight thousand dollars."

Each bid was higher than the last, and Li from Longxi also joined in.

Although Li Shimin claimed to be from the Li family in Longxi, the Li family did not admit this. So when he saw these people coming forward, Li Shimin was a little disgusted. The emperor said that he was from your family, but you actually There are still people outside who are causing trouble...

But Li Shimin has no time to care about this now. He is wondering if someone from the Hubu Yamen will come forward to take a spot. After all, Wu Xing Qi Wang has done the right things in these years...