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

If the interest rate is too high, then everyone may be discouraged.

"The interest rates are different for different purposes. If it is a loan for business, the interest rate will definitely be higher, but if it is for the purchase of property, the interest rate will be lower."

"For example, when fishermen buy large boats, the interest rate is very low, about [-]% per annum."

Li Ke briefly introduced the interest situation to everyone.

In fact, he also copied the interest rates of later generations. The mortgage is relatively the cheapest, while the car loan is higher.

As for commercial loans and consumer loans, the interest is even higher.

Is buying a boat a car loan for future generations?

It should be considered a large truck loan, after all, it is used to make money.

"Thank you, Your Highness!"

Li Ke's words are very easy to understand, and everyone understands them quickly.

Everyone thanked Li Ke gratefully.

The bank run by Li Ke has really helped them a lot!

Although there is interest, but to be honest, the interest is really very low!

If you go to a pawn shop, the interest rate is very high!

Moreover, as long as they can buy a big boat and use it to go fishing, they can easily earn back their principal and interest!

Now that everything is clear, everyone will naturally not waste any more time.

They went to the major shipyards to talk about buying ships.

Of course, the ship is still very expensive, and the money in their hands alone is far from enough to buy a ship.

Only some people unite and collect the money in their hands to pay the down payment.

In this way, everyone is equivalent to being able to go fishing together and share a boat.

The caught fish can be distributed according to their respective shares, and the loan is also repaid by everyone according to their respective distribution.

Soon, many fishermen united with their neighbors or relatives.

Then start ordering ships and more.

Besides fishermen, there are people who also want loans.

"Your Highness, I want to buy a small house in Yangzhou City, but I only have enough money to pay part of it. Can I get a loan from the bank?"

One of them hesitated, but couldn't help asking while Li Ke was still here.

"Of course, you can sign an order agreement with the original owner of the house, and then take the order agreement to the bank to apply for a loan."

Li Ke nodded without hesitation.

It is impossible to lose money on the mortgage. After all, the house is here and cannot be escaped.

This collateral is of very high quality.

After that, many people consulted, but Li Ke arranged for the staff of the bank to answer them.

He came here first to give the bank a platform to let everyone have a sense of trust in the bank, and second to explain some of the bank's policies more clearly.

In order to avoid any misunderstanding about the bank's policy.

"Your Highness, is there any risk in lending too much money?"

"For example, if a fisherman encounters a strong storm while fishing at sea, if he fails to return, what will happen?"

The head of the bank thought of something, and suddenly said to Li Ke worriedly.

You must know that the sea is very dangerous. Even if you go fishing on a big boat, you can only say that the danger is reduced to a very low level.

But there are still some risks.

Once there is a big storm and the ship sinks and people die, the person who owed the money will be gone, and the collateral will also sink to the bottom of the sea.

Isn't the bank a blood loss?

"Loans are definitely risky, and there will definitely be debts that cannot be collected. It is only necessary to control the bad debts below a certain ratio."

"Moreover, the bank can launch insurance business later, which can be regarded as an extra guarantee."

Li Ke nodded, even if it is a bank of later generations, there will also be bad debts.

But this is unavoidable, you just need to control the ratio of good and bad debts.

Moreover, you can also launch insurance business!

"Insurance business?"

It was the first time the banker heard the term.

He doesn't understand what insurance is.

"Insurance is a guarantee mechanism. If someone buys insurance in a bank, the bank will provide him with corresponding guarantee services."

"For example, this person has purchased accident insurance, the annual premium is 1 guan, and the insurance amount is 1 guan."

"Then this person has bought the insurance for 10 years, and there is no accident every year, so the bank will make a net profit of 10 insurance premiums."

"But if this person dies suddenly and unexpectedly, the bank must investigate clearly. If he really died in an accident, then he must pay according to the insured amount."

"If he buys the insurance, the beneficiary is his son, then the bank will need to pay his son a 1% compensation!"

"In addition to accident insurance, there is also cargo insurance. For example, if a caravan transports goods, you can buy insurance for the goods. If the goods are delivered smoothly, the bank will earn the insurance premium."

"If the goods are accidentally damaged in the middle, the bank will pay compensation according to the insured amount."

"In short, all walks of life have insurance, and everyone can buy it. You need to dig out later."

Li Ke briefly introduced the concept of insurance to the head of the bank.

Although he felt that Datang should have very few people who bought insurance, it could be regarded as giving everyone a choice.

For example, fishermen who go fishing at sea can buy insurance for themselves.

Of course, for such a highly dangerous occupation, insurance premiums will naturally be more expensive.

For example, merchants who do business can also buy insurance for some valuable goods.

Anyway, in modern times, banking and insurance are very profitable businesses.

In Datang, at least in the short term, you can't make much money.

But Li Ke's main purpose of running a bank was not to make money, but to issue banknotes, so as to facilitate trade and develop commerce.

"Yes, Your Highness!"

After hearing these words, the head of the bank felt that a new window had been opened in front of him.

Inside is a whole new world!

He plans to study the insurance that Li Ke mentioned after he goes back, it seems very interesting!

In the next few days, Datang Daily continued to promote the bank, and more and more people knew about the bank and its loan business.

There are also many people from Yangzhou Branch and Suzhou Branch to apply for loans in the past few days.

Among them, the people who have united to buy ships since then are the main ones.

There are also some people who buy houses, and some people from shipyards.

They are selling those ships and then want to expand the shipyard to build big ships with the technology learned from Yangzhou shipyard!

It happened that many fishermen came to buy boats, and they also said to pay a small amount first, go to the bank for a loan, and then the bank will pay them the rest.

At first they were stunned for a while, but after reading the newspaper, they found out that the bank can mortgage the loan!

So, they also came to the bank and directly borrowed from the bank with the shipyard as collateral!

The reason why they borrowed money was to expand the size of the shipyard and rebuild a new and larger dock.

These all cost a fortune!

Even if these ships are sold and a batch of funds are withdrawn, it is still a bit short of the expansion speed in their minds.

Just after learning that the bank has a loan business, and the interest is not high.

They immediately made up their minds and went to the bank for a loan.

"Your Highness, this is the loan data of banks in Yangzhou and Suzhou in the past few days."

The head of the bank had a happy smile on his face.

The amount of loans released by banks in the past few days is very considerable, and the loan issued means that the interest will start to be calculated.

This is tantamount to the bank making money every moment, how can this not make him happy!

Moreover, as long as there is no accident to the borrower, it is basically impossible to lose money on the loan.

After all, if you don't pay back the money owed to His Majesty the Emperor and His Highness King Wu on the land of Tang Dynasty, you don't need to think about the consequences.

"Oh?"

Li Ke picked it up and took a look, a look of surprise flashed in his eyes.

In just a few days, the amount of loans released reached as much as 10!

According to the comprehensive calculation of the interest of various loans, it is about 5%.

In other words, just a few days of loans allowed the bank to obtain 5% annual interest income!

Although it seems that 5 consecutive years is not enough, in fact, this profit is already quite a lot.

And this is just a loan that was released in a few days. As more and more people know about it, and more and more branches are opened.

The loan amount will continue to increase.

"It seems that everything has entered a virtuous circle of development."

Li Ke noticed that many of the loan customers were owners of shipyards.

They borrowed money to expand the shipyard and then build large ships. This undoubtedly accelerated the take-off of Yangzhou's shipbuilding industry!

When all their renovations are completed and the output of large ships starts to skyrocket, merchants will be able to buy ships and start doing business at sea.

In this way, a virtuous circle will be formed, and more and more businessmen will go to sea if they make money by doing business overseas.

As more and more merchants go to sea, the demand for large ships will increase.

The orders of the shipyard will naturally increase.

In short, under this kind of virtuous circle.

Before long, Yangzhou will become more prosperous than ever before!

PS: The sixth update!Today's update is complete! .

Chapter 191 Saving money and transferring money is too convenient!I want to put my money in the bank!

In the next period of time, both Yangzhou and Suzhou became busy.

All the shipyards are busy expanding the scale and output of the shipyards, so they naturally recruit people aggressively.

Now they want money and money, they need people to recruit people, and their strength is improving rapidly.

The fishermen also successfully bought the big boat, and after simple modification and replacement with the new fishing net provided by Li Ke, they couldn't wait to go to sea.

They are old fishermen, and their fishing skills are much better than those of the Yangzhou Navy.

Where there are many fish and where there are few fish, they are clear in their hearts!

In the past, there were no big ships, and I dared not go to the sea that was too far away.

But now that there is a big ship, naturally they can't wait to go to those sea areas!

The result is naturally gratifying. Just one trip to the sea, a boat caught more than 1 catties of various sea fish, shrimps and seafood!

Even if there are multiple people sharing, the amount of fish each person gets is far more than what was harvested by his own boat before.

And this is only the harvest of one trip to sea, as long as the average trip to sea is once every three days, the harvest will be a very exaggerated figure!

In the past, after returning from sea trips, they would go to the ports of Yangzhou and Suzhou to sell live fish.

But now, in order to save time, they directly signed an agreement with the seafood processing factory.