Gan Qi went to see the emperor. The money shop was a pure business act. Gan Qi looked for the emperor. In fact, he either wanted to explain the money shop clearly, or told the emperor that Mr. Gan wanted to take His Majesty to make money and make money.

Zhao Xu obviously didn't understand these things, but he knew that the wealth of money and food in the inner warehouse is so abundant, so he relies on the dividends of Ganqi lottery. This was the business that Emperor Renzong and Ganqi did in the past. With this lesson, Zhao Xu only asked one thing: "How much does it need to pay? How much can I get every year?"

Gan Qi could not give a detailed answer at this time, but replied: "Your Majesty's inner treasury has 200,000 guan, and the dividend is at least 200,000 guan per year. If you invest 500,000 guan in the Sansi Yamen, you can also pay at least 500,000 guan per year."

The return on investment ratio is terrifyingly high, but the two shareholders of the Royal Family and Sansi must be brought in. This is very important. In the future, the court's business will depend on this. The court's exchange business is a large amount. Not to mention the future, let's talk about the current exchange rate of 70 million yuan per year, and even if the handling fee is only one percent, it will be as high as 700,000 yuan.

Moreover, exchanges are repeated, which means that each sum of money will be exchanged many times. In other words, 70 million coins are not only exchanged once, but will be divided into countless small amounts. Each small amount will be exchanged many times, and the handling fee will be astonishingly high.

And in the future, he would lend money to the court, that is, the money house to the three departments, which was also a big business.

So Ganqi has offered such a high return on investment.

Zhao Xu had no doubts about Gan Qi's return on investment, but just smiled and said, "This business is good. I support you. The royal treasury will cost 500,000 guan, and the three treasury will cost one million guan. How about it?"

Gan Qi shook his head repeatedly: "Your Majesty, there is no need to be so many. If there is a second stock hiring, your Majesty can invest again."

The total share capital of the first period was only 5 million jin, and Gan Qi had to allocate it to many large merchants. Gan Qi himself also had to guarantee the power of controlling shares, which was also the big part of the interests. Naturally, he would not ask the royal family and the imperial court to pay too much money.

Zhao Xu was still a little disappointed. Such a profitable business could not make a big profit, so he was naturally disappointed, so he said, "Okay, if it is a second stock hiring, I will definitely invest more."

Zhao Xu's confidence is now because he has more and more money to use in his personal capacity, and he no longer has to quit like Renzong before. Gan Qi's lottery profitability is too strong.

If the emperor has made an agreement, everything will be agreed.

Gan Qi went directly to the Sansi Yamen, and the Commercial Taxation Supervision had summoned dozens of large merchants in Bianliang City to hold a meeting.

Nowadays, the power of this business tax supervisor is getting bigger and bigger. Tax officials can be sent everywhere to inform them. Ganqi and Gansu have major issues to discuss, and the owners of the bosses from all over the place gather together early.

After Gan Qi came out of the palace, he went straight to Sansi Zhengtang, where more than a hundred people sat in it.

Seeing Gan Qi walk into the main hall, everyone gets up to greet Gan Qi. Many familiar faces, such as Pan Guo from the Pan Family Restaurant, who has been beaten by Gan Xianggong and is now the most honest. He has won the "Integrity Merchant in Bianliang City" awarded by the Commercial Taxation Commission for several consecutive years. This award was set up by Gan Qi when he left the Commercial Taxation Commission.

Before Gan Qi could speak, Pan Guo was the first to stand up and speak: "Gan Xianggong, please tell me, borrow money or something? Just speak!"

Gan Qi really borrowed money from him. When he went to Liao to engage in a financial war, Gan Qi borrowed more than one million guan from various merchants in Bianliang City, and Pan Guo borrowed 30,000 guan. However, he had already returned the capital and profits. In this way, it was naturally not difficult to borrow it again.

Gan Qi narrowed his eyes and smiled, and bowed left and right: "I won't borrow money this time, and I have a business to invite everyone to join and make a fortune together."

"Gan Xianggong wants to do business? Which business?" someone asked.

Pan Guo immediately responded: "The business that Mr. Gan wants to do is naturally the most profitable business. No matter which business he does, he will definitely make money. I, Pan Guo, are the first to support me, and Pan Guo, will earn some capital."

Gan Qi expressed his gratitude to Pan Guotou for his admiration. It seems that if you want to be honest, you have to accept the beating of society. Pan Guo is an example, a person who has received the beating seriously.

"I want to open a money house in the world of exchange, with a capital of 5 million guan. I have initially prepared to allow exchange to pass through all prefectures and prefectures, and will go to counties and large towns in the future. At this time, it was the matter supported by the court. The official invested 200,000 guan in the name of the royal family, and the court invested 500,000 guan in the name of the Three Divisions. Here, I am planning to invest 3 million guan in the name of several industries, and there is still a vacancy of 1.3 million guan. I am invited to pay the capital and use the amount of money as a deposit. I wonder if you are interested?"

Gan Qi didn't hide it and explained everything at once. Gan Qi himself made a big deal in the business where the emperor and the court invested in it. This matter itself was already very convincing.

Pan Guo was naturally the first to express his opinion: "My husband, villain Pan Guo, is willing to claim 80,000 guan!"

It is actually not difficult to understand that Pan Guo is so enthusiastic. He will naturally be obedient after being beaten. In fact, what is more important is that he knows that he has offended Gan Qi. Now that Gan Qi is in power, he must work hard to repair this relationship. He borrowed money in the past, and he generously donated money. Today, he raised funds, and he also wanted to be the person he supports the most.

Sometimes bad things turn into good things like this, and this is the real smart businessman.

"Okay, Shopkeeper Pan, don't worry, I will definitely take you to make money and will not let your capital be wasted. I will still talk to you about something here. Every year from now on, the accounts of this bank will be announced, and everything will be announced. I think you know about the charity foundation. It has been announced for several years and has never had a deal."

Gan Qi thought far away. If the money bank really develops into a giant, can really exchange it for the whole country, and the money bank's passbook can really travel to the world and develops into something like currency, then you have to ensure the credibility from the root. Only when everyone can trust it can you ensure that the issued things have credit.

Whether it is a passbook, a jackpot, a silver note, or even a paper currency, these things are the same in principle, and maintaining credibility is the fundamental thing.

Whether a huge amount of depositors can be truly absorbed is also the credibility. As long as there are real depositors, the money bank can play a role and can even borrow a large amount of money to the court.

Pan Guo was really happy at this time. At first, he had a little intention of spending money to eliminate disasters. After hearing Gan Qi say this, he gave a thumbs up: "Gan Xianggong benevolence and righteousness! The businessmen in this world can do what Gan Xianggong is like, and there is no more. I, Pan Guo, pay 100,000 yuan and go home to sell the money, and even have to make up the money!"

"Okay, the shopkeeper Pan is unparalleled. Come and make a contract. My father will sign and write a letter to him. He will press his thumb up and will not break his promise." Gan Qi praised Pan Guo loudly and said, "After completing the procedures, I will invite you to drink. If you don't get drunk, you will go to the Pan family restaurant for a drink."

For investment, like Pan Guo, he has never even considered whether he can make money. But there are always people who will consider whether to make money or not. This is not like borrowing money or borrowing money. That is borrowing and repaying it. What if you lose money when doing business?

The boss of Fanlou who came to this day was Wu Dong, and his ancestors were also important officials of the founding country. He asked: "My husband, don't know how much profit is in exchange?"

Gan Qi answered seriously: "The profit lies in the exchange tax. If you can really transfer the world to the world, even if you get one in a hundred tax, the profit will be difficult to count. For example, Manager Wu has a sum of money, ten thousand guan, and you have to pay the wine merchants in Shanxi. If the wine merchant cashes in Shanxi, the money house will be charged 100 guan. Then the wine merchant will pay the grain merchants in Hebei. If the grain merchant wants to buy a house in Bianliang for 10,000 guan, the money will be cashed in Bianliang again, and the money house will be cashed in again. This is the profit of the world. You say that a total of 10,000 guan is transferred around the money house and also over again. How much does the money house get? "

Wu Dong was stunned when he heard this. He really didn't expect such joints and exchange methods, which seemed thankless. He earned the hard work of transporting money from time to time. In fact, this is not the case.

Gan Qi continued: "If there is too much money in the money shop, and then lend it to merchants or people, or even to the court to earn interest, it will be more profitable than the exchange tax."

Wu Dong was still digesting Gan Qi's previous question, and suddenly heard Gan Qi say this and replied: "If you have a loan matter, you will be very profitable."

"No, money house lends to people for the sake of the livelihood of the people, and does not borrow the high interest rate of nine out of thirteen returns. Money house lends to the lowest interest rate, which is far lower than the nine out of thirteen returns."

Wu Dong couldn't figure it out again: "Then... how can you make money? How can this profit be compared to foreign exchange?"

Gan Qi smiled and replied, "Shopkeeper Wu should think more about it. When remitting, one sum of money can be remitted countless times. Can't the loan be like this? Borrowing one sum of money multiple times?"

"How is this possible? The money lent is spent by someone else. If he spends it, how can the money house lend it to others again?" Wu Dong was puzzled.

Not only did Wu Dong not understand, but the audience was full of confused faces.

This naturally led Gan Qi to answer: "For example, Manager Pan is going to be in a hurry to make wine this year and borrow ten thousand guan from the bank. He took the 10,000 guan and paid the wine merchants in Shanxi. Then he had to exchange and deposited the 10,000 guan into the bank. Then can he lend this 10,000 guan to Manager Wu? As long as the money is allowed to run inside the bank, the money can be lent out as many times as you want to borrow it."

Gan Qi still didn't say anything, that is, the court is a real big customer. For example, the court wants to borrow 10 million guan from a bank, but it doesn't require the bank to really have 10 million guan. Because the court will not really take out all the money, and will also remit money everywhere and deposit and withdraw money everywhere. The bank only needs to give the court a passbook of 10 million guan, or even just give the court a quota of accounting.

As long as you ensure that you can obtain it when you withdraw cash in various places, that's fine. And when you really spend money, you often withdraw small amounts of money, such as paying a salary, and an official will not really withdraw 10 million yuan at one time. As long as you can meet various small withdrawals, you can borrow as much as the bank wants to borrow.

Of course, bad debts need to be controlled, but the imperial court will not have bad debts. This is certain. Another point is that the scale of deposit reserves must be controlled safely.

If most commercial activities can be really allowed to pass through the money house, the cost of various financial operations activities of the money house can be reduced to unimaginable.

This is the basic model of banks.

Wu Dong was frowning and pondering, digesting the truths that Gan Qi said.

Pan Guo actually didn't understand it very well. He stood up and patted his chest and said, "Gong Gong Gan said that he could make money, so he would definitely make money. I, Pan Guo, had 100,000 yuan, and he was spitting and nailing. Come, make a contract, sign and seal it!"

Gan Qi smiled and said, "The total capital of 1.3 million guan is 1.3 million guan. First come first served. Manager Pan received 100,000 guan, but there were still 1.2 million guan. Manager Pan accounted for two percent of the capital of the bank, not much or too much. The contract was written and everything was clear."

Wu Dong had not come back to his senses completely, but he had a premonition that he felt that the business might really make a fortune, so he spoke, "Then, then I will also pay 100,000 yuan."

"Okay!" Gan Qi waved his big hand, and the pen officials wrote like a god. This mold prepared by Gan Qi was written clearly with the best paper, the best ink, and the best handwriting.

"Then we will also invest in a share when we meet Xianlou, which is only 50,000 jin, and one percent of the share capital."

"If the store holds one percent, it will also pay 50,000 yuan."

At this time, someone rushed in from the door, and when he entered the door, he shouted: "Mr., I just came back from Yanyun and looked for you everywhere. It turned out that you were in the Sansi Yamen. I heard that my husband wanted to do big things. If you really draw lots, how can my Chen family not pay? I, Chen Han, have 100,000 yuan, and all my wealth is worth it."

Gan Qi turned around and saw that Chen Han was back, but he came back in time. He didn't understand what Gan Qi was doing, so he went out with 100,000 ounces.

Gan Qi laughed and waved: "Come near."

Chen Han was so busy that he got closer: "My husband, it's time for the senior officials to report to the third department today, and I'll do it together."

Chen Han was transferred to Beijing and the judge of the branch office was appointed as the deputy of Wang Anshi. This deputy was not easy to be the deputy. Now Wang Anshi is also making a big move in the Sansi. All officials have begun to train the Arabic numerical accounts, and Chen Han has learned it.

With the addition, subtraction, multiplication and division of Arabic numerals, and combined with the artifact of abacus, one can truly build a money bank that can exchange for the world, otherwise the Chinese character accounts will be too cumbersome. But after all, we still have to admire the abacus invented by our ancestors. This thing is the real artifact.

Gan Qi didn't talk about business matters, but said, "You will write down your 100,000 yuan, and you will make a contract. All your wealth is here, so you will be sure to lose. What about Zizhan Ziyou? Have they returned?"

"The Xiaguan set out first. The Xiaguan is not the chief official. He came back as soon as he said he would come back. Both Brother Su are the chief official. I am afraid it will take ten days and half a month to enter the capital." Chen Han replied.

Gan Qi nodded and also hoped that the people of his own party would enter Beijing as soon as possible. If they wanted to fight, someone would have to charge in the battle. To truly reform the court, they would have to have their own people to do things. Otherwise, they would be conservatives like Sima Guang, and Gan Qi would probably be unable to resist.

Gan Qiyou said to everyone in the audience: "Everyone who signs a contract has one more thing to do."

"Please make an announcement," Pan Guo asked.

"Every merchant will send twenty accounts, and the account apprenticeship is fine. I will send them to the Sanshi for training for two months, and then they will be sent to money shops in various places." Gan Qi's move is really clever. First, it is because people who are not able to use enough manpower and can settle accounts are also a rare species in this era. They must read books and recognize words, and they must be able to calculate and calculate.

In this era, there are not many people who read and read books and read to become officials for ten years, and they can be accountants with peace of mind. Most of the time when scholars become accountants is forced by life, or they are specially trained by merchants themselves.

Another thing is that Gan Qi is expressing himself completely open and honest. Every family comes to manage the work, which is completely selfless. Gan Xianggong really wants to do business, but it is not a cheating money.

"My husband, the villain pays 30,000."

"The villain pays 50,000."

"The Liu family in the north of the city recognizes 150,000 jin."

Gan Qi waved his hand: "150,000 guan is too much. I'll give you 70,000, otherwise it won't be enough to get a share."

Seeing the excitement of the crowd, Chen Han asked, "Mr., what big thing is this to do?"

Gan Qi also smiled: "You have sold 100,000 yuan, but you don't know what you are doing?"

Chen Han scratched his head: "Do charity?"

Gan Qi smiled and didn't answer. Chen Han was really useful, and he was willing to take out all his wealth when doing charity. This was the meaning of going all the way. Gan Qi expressed his satisfaction. Chen Han was really his own person.

Chen Han has the potential to be a bank president, so he must be sure to see Gan Qi's money very tightly.

Seeing that Gan Qi didn't answer, Chen Han said again: "Is it really a charity? I have to tell my father when I get home. I have to make this 100,000 pounds of money."

The contract was written one by one, Gan Qi stood up and said, "Everyone, I will send the money to the Sansi Yamen tomorrow and hand it over to Wang Jiefu. At that time, my house will become a money house. In the future, the accounts, business, and exchange will all be handled."

Everyone nodded. Everyone knew who Wang Jiefu was. The newly appointed political affairs officer and the chief officer of the Third Division. The money was even more secure when handed over to him.

Chen Han asked, "My husband, where will you live in the future?"

"I have found a house in the inner city, change to a bigger house." Gan Qi wanted to change a house for a long time and finally got it done. The house used to be bought by Gan Qi when he was not an official, but now it is really not enough.

Gan Qi said again: "Everyone, you have to help me tell you something else, that is, anyone can deposit money into a money house. All the money deposited will have interest, and the annual profit is 2%. In other words, one hundred coins are placed in the money house, and one hundred and two coins can be obtained in a year. I hope you all know Bianliang and Bianliang! "

The business began, and these big merchants in front of them were the first targets. Although they were to let them know Bianliang, they were actually to let them know themselves.
To be continued...