The difference in earning this part is not Li Mu who is unconscience-free. He is considering the future, with the development of the bank, various costs will also increase. For example, the cost of printing treasure money and the cost of promoting it in various places. In this wave of Chang'an City, Li Mu took out 100,000 yuan, but he couldn't go to every place and took out all the money, so he was really a bit big.

You can do business without making any profit, but you can’t lose money!

It’s not a big deal to keep blocking the streets. After the ceremony outside, Changsun Chong, as the president of Datang Bank, invited all guests to visit the business hall on the first floor of the bank.

The place is limited and there are many people. If you are below the marquis and below the fourth rank, you can basically not enter the door.

This made the invited merchants feel very proud. At least today, they are a fourth-rank, similar to the Duke and Marquis. Changsun Chong took the expressions of these people into his eyes and admired his mentor even more. His mentor was really very careful about these merchants' mentality, and he tamed them all with just the word "vanity". These people were still confused and showed their master's cleverness.

The display on the first floor is actually very simple. It’s just a bit strange in style. At first glance, those who don’t know thought they were going to the Dali Temple prison. The iron fence protected outside the counter was as thick as a child’s forearm, and it also seemed that the bank was really not short of money, otherwise how could it be used such a thick solid iron?

Outside the counter is a simplified long bench for people who are doing business. The long bench is also iron, and judging by the posture, it is planned to build a "10,000-year prison".

Changsun Chong briefly explained the process of handling business and took the guests to the second floor. The second floor is the same as the heaven and earth, and is considered a VIP area. A business with less than one thousand chunks of money is not accepted on the second floor. Therefore, those who can reach the second floor also show their identity and strength.

Of course, today's guests have this strength. The decoration on the second floor is worthy of their identities.

As soon as you enter, there is a spacious and bright lounge with a jacquard carpet from Persia on the ground. People step on the carpet, as if they are stepping on the clouds. There are a row of chairs on the carpet, and exquisite refreshments and fruits are placed on the table next to the chairs for the VIPs waiting to do business. All the things are high-end goods in Chang'an City, and none of them are dealt with. As for these entertainment items, on average, they will cost more than the usual amount of money at a time.

There is a long corridor outside the lounge door, with single business rooms on both sides, separated by thick mahogany. Once the door is closed, there is no way for the customer to do what business it does.

The VIPs praised the situation when they saw this. Chinese people have always been 'not showing off their talents'. This single-person business room brings people a great sense of security. After visiting the VIP floor, the guests went to the conference room on the third floor again.

There, Datang first held a brief bond issuance ceremony.

The shares have been subscribed before, and even the contract has been signed. Now it is just a formality.

Changsun Chong, the president of Datang Bank, issued the creditor's certificate to the guests who subscribed, even if all the procedures were completed. Everyone carefully checked the certificates in their hands. They didn't look at anything else, but specifically looked for Li Mu's seal. In their opinion, the bank's credit is far less than Li Mu's promise.

After the ceremony, President Chang Sun Chong repeated Datang Bank's current main business. Except for the bond part, everything else is no different from the original one. Those who came here today have accounts in the bank and are not unfamiliar with these businesses.

However, soon all the guests were shocked because Changsun Chong mentioned a business that he had never had before.

"From now on, depositors who deposit banks in the Bank, including all branches and branches, will permanently enjoy the preferential treatment of "free current time and regular interest payment"!"

When the guests who had just become drowsy when Changsun Chong repeated the business content, suddenly became energetic and said, "Tell me clearly!"

"It's very simple. The bank divides bank deposits into two types of accounts. Current periods can be withdrawn at any time, and regular periods are agreed upon for deposit period."

"We do not charge any fees for current accounts. For regular accounts, we pay interest based on the deposit life. The longer the deposit period, the higher the interest rate!"

"What!"

"What?!" The guests were all stunned: "Put money in the bank, if you do nothing, you can get money?"

Everyone’s first reaction is that they don’t believe it. Are there such good things in the world?

Li Shimin was also a little confused. He remembered that Li Mu had told him before. It was not that the Tang Dynasty had no money, but that the money was in the hands of aristocratic families. Their generations accumulated money, and they could not spend it or use it all, and they were hidden in the cellar. This is the main reason for the scarcity of money on the market.

Why do they hide their money instead of investing? Li Mu's explanation is that their own business has reached a bottleneck and other businesses cannot be inserted. There is no way to invest, so they can only let the copper coins rot.

Moreover, if you want to make money, you can only do business by yourself, except to borrow money. Where can you find such things to make money while you are lying down?

However, there were also smart people among the guests. Soon someone reacted and secretly called Li Mu a treacherous person.

In fact, this is also the old wine in new bottles. In the previous bank's business, one of them was to lend out the outside world. One cent to three cents of profit, and the money that was lending out at that time came from the inputs of the Office of the Internal Affairs. Therefore, this business depends on how much money is in the account of the Office of the Internal Affairs and is taken out in proportion. Sometimes the quota is gone, and you have to wait for the next period of the Office of the Internal Affairs to make a loan before you can get it out.

Now, the bank directly absorbs private capital and then uses it to lend. If it is expected, the interest it earns will definitely be less than the interest it lends. The bank will do nothing, and the left hand turns to the right hand, and then make a difference.

In the past, private capital in Chang'an City could have a full meal when the bank had no loan quota. Now it seems that there is no need to eat this bowl of rice in the future. As long as the bank opens, funds will flow in and quotas will always be available. Unless it is a fool, no one will use private lending again.

"How much interest can I get?" someone happened to be asking.

"The annual interest rate for one year is 6 cents, the annual interest rate for three years is 8 cents, and the annual interest rate for five years and above is 1 cent."

When Changsun Chong heard the interest rate, the people who saw through this before felt a sense of "it's true". But they couldn't envy this money because it was the added value brought by the bank's credit system. Of course, others can do this. The key is whether anyone can trust you? If you don't believe you, everything will be useless.

"The interest may rise or fall after the interest date, but no matter how long the deposit period is, it will be settled by the interest on the deposit date."

"What if we use it urgently? Can't we get it until the deadline?" someone asked again.

"It's OK. More than one thousand guan is required. You need to make an appointment one day in advance. If it's a thousand guan, you can get it at any time." Changsun Chong explained: "But the interest can only be calculated based on the years of deposit. If it's less than one year, part of the withdrawn interest will be deducted."

"That's it..." Although I felt that it was a bit unprofitable, withdrawing money in advance was a breach of contract, and deducting a little interest was acceptable. What's more, the deduction was the withdrawal part, and the unremoved part still enjoys interest.

"In addition, although my teacher did not come in person today, my teacher said that you strongly support the construction of Datang Bank. As the saying goes, I will invest in the wood peach and repay it with Qiong Yao. Since the masters have expressed their opinions, he will also have a gift. The money stored in advance, the teacher will give you double the payment based on the basic interest. No matter how much the difference, my teacher will make up for it!"

Everyone looked at each other, double the interest?

Six cents change to one or two points, which is more profitable than buying bonds!

If it is a five-year period, it will be two cents of profit. If the business is not done well, it will be difficult to make so much money!

Isn’t this a deposit in the cellar of your home?

Seeing that it was profitable, someone quit and shouted, "It's not fair! The Marquis was just talking about bonds before, and did not talk about the interest. I don't know, but why do anyone know? The Marquis favors one and the other, which is unfair!"

"Yes, it's not fair! I have to save at least 100,000 yuan if I know that there is such a good thing!"

"Yes, I have some spare money at home, not much, I have 30,000 to 50,000 yuan!"

One of them was louder than the other, and Li Shimin listened in the corner and cursed in his heart. These bastards, as long as they mentioned money when they were discussing the court, they all retreated. How are they showing off their wealth now? A small fourth-rank can give out 30,000 to 50,000 yuan, but those who become emperors are in a difficult position. What's wrong with this world?

"Oh!" A sigh attracted everyone's eyes. Li Mu appeared at the door of the conference room at some point. Everyone shouted suddenly stopped, and there was no one muttering. Don't look at them grinning in front of Changsun Chong, and there were really no one who dared to clamor in front of Li Mu.

"Everyone is all friends. For a little money, are you going to yell?" Li Mu glanced at everyone and sighed. "Yes, this is my favor with one another and I'm not very thoughtful. It doesn't matter, it can be made up for it! I will take out another million chunks of quota, and the money deposited in the bank today will have double interest. Is that okay?"

"..." Everyone looked at me, and I looked at you. Suddenly, they didn't know which one ran away first. A group of people rushed downstairs. When they were on the first floor, they explained how to deposit. One of the business was called promised deposits. That is, they went through the procedures first, and the bank then went to the house to withdraw money. If the bank could not withdraw money at the agreed time, the customer would be blacklisted. Not only would the account be cancelled, the Ministry of Internal Affairs and the Ministry of Foreign Affairs would not do anything with people with credit stains. The loss would be huge, and no one dared to joke about this matter.

There are so many people here, and they have only one million quotas. Whoever takes the lead will be the winner. Those who are slow will have to follow the crowd and lose money.

Li Shimin was left with a stunned silence. He never thought that Li Mu only planned to ask for one million guan, but now he has more than two million guan at once? Such a way to make money is really unprecedented.

"One million shares are gone!"

A shout came from downstairs, "Li Shimin is no longer surprised and is numb."

He was numb, but was there anyone? The people who were waiting for the deposits, heard the amount of one million guan disappeared in a blink of an eye and stopped doing it. They found Changsun Chong and wanted to discuss it again. Changsun Chong was forced to have no choice but to agree and take out another one million guan. This is also the best effort he can do. No matter how much he has, he has no choice. After all, Li Mu has to pay for the interest subsidy. As a great apprentice, he cannot sell his master, right?

In fact, the so-called credit limit is purely nonsense. At the beginning, banks were afraid of how much money they were? Moreover, absorbing this money was originally intended to lend out. Even if it was a double interest rate, the interest rate was not high. The bank still did not lose money! Artificially creating panic and hunger marketing, this is the marketing method that Li Mu learned from a mobile phone brand in his previous life.

Great effect!

In order to appear low-key, Li Mu deliberately did not attend today's opening ceremony.

But after so many distinguished guests came, they still paid for their expenses because of his situation. He didn't want to ignore them, so he set up a banquet in heaven and earth, and after the ceremony, he took care of the meal.

Li Mu always had a big show when treating guests, especially when he was to show his strength. This meal was not careless at all. In addition to the original chefs in heaven and earth, he also borrowed several imperial chefs from the palace. Many dishes that only the emperor could eat, and these guests could also eat them all today.

All the ingredients were prepared according to the standards in the palace. Li Mu's request was to allow today's guests to enjoy a serious royal banquet.

The preparations are in place and the effect is full. The blessing of the imperial chef, imperial use, and a few imperial characters allows the guests to enjoy great enjoyment. Not only is it satisfied with food, but it is also psychologically satisfying. Many people even have it. If they can't eat it in the future, what will life feel like? Such a soul question comes.

After three rounds of wine and five flavors of food, seeing that the food was almost done, Li Mu clapped his hands and asked someone to carry out a picture that was as long as six feet long.

"Chang'an City Geometric Map!"

Everyone gasped. The picture was six feet tall, and the above was a panoramic view of Chang'an City. Because the picture was big, every house in 108fang was marked on it, and many people saw their shops at a glance.

Li Mu picked up a bamboo stick and raised his hand and pointed: "This area, this area, and this area, this area, this year's demolition and reconstruction, who has a shop here can now propose it, and how much compensation is needed. As long as the price is equivalent, I will give you money immediately and never drag it out!"

“Demolition?”

When everyone heard this strange word, their heads were full of question marks. After drinking a little wine, Li Mu's reaction was slower. He didn't realize that they didn't understand. Instead, he felt that they were sabotaging the situation and said unhappily: "Why, do you want to compensate for it too much? Say, I'm not not giving it to me!"

Seeing that no one said anything, Li Mu reached out and pointed to a shop and said, "Whose shop is here, stand up and speak."
Chapter completed!