Datang: Time travel in two months, wait online, hurry up!

As long as word of mouth and credit are established, it will be much smoother for everyone to save money in the future.

Loans to fishermen through banks, and then let them buy bigger boats to go fishing.

The fish caught in the sea are sold to seafood processing factories to earn income.

Part of the income is used to repay the loan, part is used to improve the household, and the remaining part is saved.

Where is the money saved?Since the borrowed money is in the bank, the bank also has the business of depositing money, and returns the interest.

It's better to deposit it directly in the bank!

In this way, the fishermen have their income and the sea fish they need.

The banking business has also started.

Get it in one fell swoop!

"His Royal Highness King Wu truly cares about the common people!"

Qu Wenkang naturally couldn't understand Li Ke's plans.

But he could tell that Li Ke didn't just talk casually, but was really willing to lend money to everyone!

Thinking of this, Qu Wenkang immediately had great admiration for Li Ke. Li Ke was really kind to the common people!

"Okay, you go and inform the fishermen so that they have time to go to the teahouse to read the newspaper and listen to the newspaper. If there is any news, they will say it in the newspaper."

Li Ke gave Qu Wenkang an order.

Although the bank has been preparing for a long time, it still takes a few days to actually go online.

"Yes, Your Highness!"

Qu Wenkang left very easily.

Now that Li Ke has come forward in person, the matter is considered resolved.

After all, there are a large number of fishermen blocking the entrance of the naval garrison every day, so he panicked too!

Soon, Qu Wenkang returned to the navy station.

At this time, he didn't have as much pressure on the fishermen as before.

"Folks, I am Qu Wenkang, the commander of the navy, please be quiet and listen to me!"

Qu Wenkang stood on a high place, and while pressing down with both hands to signal everyone to be quiet, he shouted loudly.

After hearing Qu Wenkang's words and knowing his identity, the fishermen immediately fell silent.

Everyone looked at him in unison.

"I just went to look for His Highness Wu Wang, and His Highness Wu Wang already knew about everyone blocking the entrance of the navy station!"

Qu Wenkang saw that everyone was quiet, so he spoke loudly.

When the fishermen heard Qu Wenkang's first words, they were slightly flustered.

They blocked the entrance of the navy station, which is no small matter.

If His Royal Highness King Wu blames them, I'm afraid they will all go to jail!

"Don't worry, everyone. His Royal Highness King Wu is very concerned about everyone. After learning that everyone's life is difficult because of fishing in the navy, he immediately made a decision."

"His Royal Highness King Wu has decided that the Yangzhou navy will no longer go fishing at sea in the future, and will give the opportunity and harvest of fishing at sea to the villagers!"

Qu Wenkang first explained Li Ke's attitude to everyone.

"His Highness King Wu is a thousand years old!"

"Thank you His Highness King Wu!"

"His Royal Highness King Wu cares about the common people!"

Everyone heard that Li Ke not only did not blame them, but directly banned the Yangzhou navy from fishing after learning that they were living in difficulties!

This shows that Li Ke really thinks about them and really puts them in his heart!

"However, the king of Wu thought that it would be very dangerous for the villagers to go fishing in small boats when encountering wind and waves, and the harvest would not be much each time."

"So I suggest that the villagers buy a larger boat to go fishing alone or in partnership, which is not only safer, but also brings more harvest each time!"

Qu Wenkang then repeated Li Ke's advice to everyone.

"Thank you His Highness King Wu for worrying, but I don't have the money to buy a bigger boat!"

The fishermen were also very moved when they saw that Li Ke was thinking of them everywhere.

And agree with Li Ke's suggestion.

The small boat they were fishing in was really too small, and even a slight storm might capsize the boat.

Their fathers did not know how many people lost their lives in the vast sea because of this.

So they also want a bigger boat to go fishing. As Li Ke said, not only is it safe, but the most important thing is to catch more fish each time!

Why can't they sell the fish they catch now?

It is because the boats of the Yangzhou Navy are too big, and the fishing nets have been specially modified.

What do they compare to bringing back 10,000+ catties of fish and shrimp from a trip to sea?

If they can bring back 10,000+ catties of fish and shrimp at a time, they can lower the price even lower!

But the crux of the problem is that ships are expensive!

They simply can't afford it!

"His Royal Highness King Wu has also considered everyone's difficulties, so he is willing to lend money to everyone!"

Qu Wenkang saw that everyone really wanted to buy a big boat, but after he had no money, he promptly told everyone that Li Ke was willing to lend 3 yuan to everyone.

"what?"

"His Highness King Wu is willing to lend me money?"

"Is this true?"

"I didn't hear wrong, did I?"

After hearing Qu Wenkang's words, the scene suddenly boiled!

The fishermen couldn't believe their ears, and even suspected that they had heard it wrong!

His Royal Highness King Wu is willing to lend money to these fishermen to buy boats?

Why does this sound so untrue?

"His Royal Highness the King of Wu told me personally, so there can be no falsehood!"

"Your Highness said, let the folks go to the place where the teahouse reads the newspaper more these few days, and listen to the newspaper. It will tell you about the details of borrowing money!"

Qu Wenkang understood the unbelievable reaction of the villagers, after all, he had the same reaction just now.

"Great!"

"It is a blessing for everyone in Yangzhou to have His Royal Highness King Wu in Yangzhou!"

"Can we also use the big boat to fish one day?"

After everyone heard Qu Wenkang's reconfirmation, they realized that they had heard correctly.

His Royal Highness King Wu is really willing to lend them money!

And let them pay more attention to the newspapers and learn about the details of borrowing money.

They have already decided to stay near the teahouse early in the morning for the next few days and listen to the newspapers there.

After Li Ke returned to Yangzhou City, he called the head of the palace who was in charge of building the bank.

"How is the bank building?"

Li Ke asked the principal.

"His Royal Highness, all the banks have been built, and all the treasuries are built according to the standards you mentioned."

"We put the material outside, bombed it with shells, and bombed it with explosives, and it's all right!"

The principal in charge of the bank reported the bank affairs to Li Ke respectfully.

Hearing this, Li Ke immediately nodded in satisfaction.

The security level of the bank must be very high, even in the era of Datang, it is almost impossible to rob a bank.

But it is better to be more insured, so Li Ke required that the bank's treasury must be built extremely strong!

Since it has been bombarded with shells and explosives, there is no problem.

Then in the era of Datang, it can basically be guaranteed to be safe and sound!

PS: Fourth more! .

Chapter 190 Hot Loan Business!Into a virtuous circle!

You only need to pay a certain percentage of the down payment on the line, the rest from the bank loans.

Then the bank calculates the interest for you, and divides it into installments for you along with the principal.

Pay each installment on time.

Once a few months overdue, the house will be taken back or the car will be taken back.

Where did the modern foreclosure room come from?

It is the bank's forced withdrawal from the overdue customers.

Then there is an auction, and the funds obtained are used to cover the losses of the bank.

Therefore, the Datang Royal Bank actually has a similar model. Fishermen only need to pay a small amount of money to buy a big boat first.

Then drive the big boat to go fishing, earn income, and then repay the loan.

And with the marine resources of this era, as long as they use big boats to go fishing, they will definitely gain a lot.

And what is even better now than before is that the caught fish can be shipped directly to the seafood processing plant.

As long as you negotiate the prices of various fish in advance, no matter how many fish you catch, you can just pull them directly to the seafood processing factory.

It can be said that the profit is still very high.

Although part of the interest had to be repaid, the big ship was bought in advance.

Compared with the income of fish caught by large boats, this interest is insignificant.

"It's still like this!"

After Li Ke finished speaking, everyone understood it completely!

Loans do still need collateral, but not necessarily the collateral in their hands.

As long as they nominally belong to them, they can be used as collateral for loans!

The fishermen thought that they only need to pay a part of the money to buy a big boat and then go fishing.

Everyone was suddenly excited, and their faces were full of anticipation!

This means that they can really borrow money from the bank and go buy a big boat!

"Your Highness, if the villain wants to take out a loan, what do you need to prepare?"

One person asked Li Ke excitedly.

"First, let the government issue you an identity certificate to prove that your identity is real, and then bring your collateral to the bank."

"The bank will evaluate your collateral and income, and as long as the evaluation passes, the loan will be issued!"

Li Ke briefly explained the terms of the loan.

Because there was no ID card in ancient times, it was necessary to go to the government to issue an ID card.

Confirm his identity before he can release the money, which can be regarded as avoiding some risks.

Even if the person escapes at that time, he can still be arrested through his identity.

"Your Highness, how high is the interest rate?"

Someone else asked with concern.