Wulin Tyrant

Chapter 202

After sending away Gao Guangli, the God of Plague, the bank returned to normal.There was an endless stream of citizens who came to the bank to handle various businesses, and two disciples with financial management skills who followed Uncle Liu worked patiently and meticulously at the counter.From the looks of it, the two seem to be very familiar with the job.

"Uncle Liu, what is the current loan interest rate of Yongxing Bank?" Li Bin casually asked about the bank's business.

"Master, at present, there are three types of loan interest rates in banks. One is small loans below 100 taels, with a monthly interest rate of 1 cent, a year's income of 12%, and a year's principal and interest repayment of 110 taels; The first type is a large-amount loan of more than 1000 taels, with a monthly interest rate of 3 cents, the annual return is 36%, and the annual principal and interest repayment amount is 1360 taels; the third is a super-large loan of more than 1 taels, with a monthly interest rate of 5 cents , the annual income is 60%, and the annual principal and interest repayment amount is 1 taels.

Li Bin nodded and said, "How is Gao Guangli's pawnshop usury loan interest rate calculated? I heard he said it was 5 cents interest?"

"Boss, Gao Guangli is a loan shark. He calculates the interest based on the daily interest rate. The daily interest rate of 5 cents is very scary. For 100 taels of silver, the return rate in one year is as high as 1800%! One year's principal and interest repayment The amount is as high as 1800 taels!”

After hearing this, Li Bin was also very surprised. He didn't expect the usury in Daqi Kingdom to be quite ruthless. He stuck out his tongue and said with a smile: "With such a high interest rate, it's no wonder that the borrower can pay back the money. It's really cannibalistic." Bones."

Uncle Liu replied: "That's not true. The people who borrowed money ended up selling houses, land, and even wives and children to pay off their debts. Their families were really ruined."

"Uncle Liu, do you think the current capital reserve of Yongxing Bank is sufficient?" Li Bin is still very concerned about whether the bank can continue to operate well.

"The principal reserve of 300 million taels. I believe that as long as the operation is stable, money can generate money and continue to grow. I am sure that within a year, the principal of Yongxing Bank will double! It will reach 600 million taels of silver!"

"Well, keep summing up experience in operation and create new and more profit growth points." Li Bin encouraged.

"Master, although Yongxing Bank has begun operations, our bank's business coverage in Daqi is too small, and the bank's financial management talents are lacking. This will seriously affect the development of the bank." Uncle Liu expressed his worries.

"Uncle Liu, don't worry, I'll take care of this step by step. Oh, I'm leaving the capital in two days, and I may not come back again. Give me a silver note of 100 million taels first, so that I can go to various places to sign large trade deals." contract."

Uncle Liu took out a thick stack of printed banknotes issued by Yongxing Bank from the bank's treasury basement and handed it to Li Bin.

Li Bin took it and saw that there were all 500 taels of new bank notes, a total of 100! One million taels!

It was the first time for Li Bin to hold such a large amount of silver in his hands, and he was very excited.Li Bin can now be regarded as the leading rich man in the Daqi Kingdom. When he is out of the house, he always carries millions of taels of silver on his body and swaggers through the market.

If Li Bin is the boss, whoever successfully kills him will get a generous reward of 100 million taels of silver.

After leaving the bank, return to Houfu.The little loli Liao Ting had been waiting in the yard for a long time, and when she saw Master Li Bin coming back from a distance, she ran up with a smile on her face, lowered her head, and said shyly, "Master, I bought some dim sum, and I also cook for you by the way." There are a few dishes you like, and you can eat them again when you come back."

Li Bin suddenly felt warm in his heart and said with a naughty smile: "Ting'er, it's done, come and give me a hug."

Before the words finished, Li Bin had already embraced the little loli Liao Ting in his arms.

"Master, you are so annoying. You will bully Ting'er all day long." Liao Ting snuggled into Master Li Bin's arms, with a sweet and joyful expression on her face.

"Ting'er, after dinner, go back and pack your bags, and go to Jiangbei with Master to do some errands, and then we will return to Lingnan."

"Oh, okay, I can finally go back to Lingnan." Liao Ting was very happy when she heard that she could go back to Lingnan. She kept twisting her body in Li Bin's arms, and the atmosphere was a bit charming for a while.

"Okay, Ting'er, let's go eat first." Li Bin took the initiative to let go of Liao Ting, hiding his embarrassment.

"Yes." The little lolita Liao Ting left her master's warm embrace and ran away quickly with a shy look on her face.

Li Bin finished dinner with his disciples, called his disciple Chen Xiaoqi, and said: "Xiaoqi, bring along the two hundred new disciples with compound skills recruited in the capital. After the matter in Jiangbei is resolved, we will go directly Go back to Lingnan."

"Understood, Master." After agreeing, Chen Xiaoqi disappeared without a trace.

Li Bin laughed in his heart and said, "Qinggong has improved, that's good."

On the second day, when Li Bin finished his exercise and opened his eyes, it was almost noon.

Thinking that today is the delivery time for the 500 steel balls from the armory, he went out and rode a black rose to the armory.

After staying in the capital for a while, Li Bin was already quite familiar with the main street routes in the capital, unlike when he first arrived, he was a complete road nerd in the capital.

"Boss, there are so many types of weapons you forge here, but in my opinion, they are all substandard and defective products! Not a single weapon is of qualified quality! The forging level of your Daqi Capital City weapons shop is really impressive Big disappointment. Not as good as our Fusang Kingdom." A middle-aged man with a medium build and slightly put on weight was chatting with the owner of the weapons shop.

"Guest officer, you have too high a vision. I have been forging weapons in the weapon shop for almost 30 years. I have forged countless weapons in my life. With this confidence, the quality of the weapons forged by me is still as good as Not bad, there will never be defective products!" The owner of the weapons shop retorted unconvinced.

The middle-aged man dressed as a merchant saw that the owner of the armory shop was not convinced, so he took out a single knife from his luggage bag, pulled out the sheath, shook it in front of the owner of the armory shop and said, "Did you see it, this is qualified High-quality weapons. A steel knife of this quality can be forged by a blacksmith at any weapon shop in our Fusang country."

Li Bin took a closer look, and found that the quality of the single sword was D-level, which was equivalent to the weapon he forged at the initial stage of forging skills, and it was nothing special.

However, in the general weapon shop of Daqi State, steel knives of this quality can be regarded as good finished products.Most of the weapon shops and blacksmith shops in the Daqi Kingdom have not fully mastered the steel forging technology, so it is difficult to improve the quality of weapon forging.

Sure enough, after the Fuso merchant took out the steel knife to show off, the owner of the weapons shop did not dare to argue anymore.

"This friend, I don't know how to call him?" Li Bin walked up and asked.

"My name is Kuki Ichiro, and I am a merchant from the Fuso Kingdom." The middle-aged merchant's Daqi Mandarin is quite authentic and pure, and he must have stayed in the Daqi Kingdom for a long time.

(End of this chapter)