Zongwu: I am playing badly in Huashan Inn

Hearing the word "Prince Xin", Wan Sanqian showed a look of fear, stood up and stepped back repeatedly, almost falling headfirst from the stairs to the first floor.

Lin Fei smiled faintly and said, "Mr. Wan, don't be so nervous. It's not impossible to open a bank here, but you have to follow my rules."

Wan Sanqian breathed a sigh of relief and rubbed his hands and said, "What are you talking about, Manager Lin? Since the bank is handed over to you, I will naturally follow your rules."

Lin Fei nodded and said, "My rules are very simple.

First, the bank is called Yunlai Bank, and the silver note issued is called Yunlai Tongbao. The bank only recognizes Yunlai Tongbao and does not recognize people. Anyone who holds Yunlai Tongbao can to exchange silver at Yunlai Bank.

Second, Yunlai Bank is open to everyone, whether it is a noble or ordinary person, as long as they are willing to deposit real money in the bank, they will have an annual interest of 3%.

Third, Mr. Wan must have a wide range of friends in Beijing. I want you to promote it and say that Yunlai Bank can provide loans to customers who are in urgent need of money, with an annual interest of 6%. You only need to have the corresponding real estate as collateral. The loan is fast and the procedures are simple..."

As a businessman who is rich enough to rival a country, Wan Sanqian has a very flexible mind.

He quickly saw the clue from Lin Fei's words.

Good guy, when collecting silver, you give 3% annual interest.

When lending silver, you have to charge 6% annual interest.

The 3% annual interest here and there fell into Lin Fei's pocket.

The abacus beads are almost jumping on his face.

But is it reasonable?

It's really reasonable.

Generally speaking, for private lending in Beijing, an annual interest rate of 10% is considered low, and there are people who borrow at an annual interest rate of 12%.

As for not paying back the money on time, that is the time to test the lender's means.

Not only in Beijing, but also in the entire Ming Dynasty, and even in the entire Kyushu world, there is no standard annual interest rate standard for lending and mortgages.

Wan Sanqian vaguely feels that Lin Fei can do this.

You must know that setting up a money house in the Ming Dynasty is not just about having a lot of silver.

A strong fist is also an important criterion.

Looking at the current Ming Dynasty, who is the strongest?

That has to be Lin Fei.

Bang Bang Strong!

Those who questioned Lin Fei's strength died, were injured, or were ruined.

So now, those who dare to take the initiative to come to Yunlai Inn to cause trouble are almost extinct.

With such a person in charge of the overall situation of Yunlai Money House, Wan Sanqian is still very relieved.

What's more, with Zhu Wushi's growing ambition, Prince Xin Zhu Youjian's unwillingness, and Yu Huatian from the Western Factory.

It is conceivable that the Ming Dynasty will be in turmoil in the future.

And the dignitaries in the capital are most afraid of political turmoil.

If there is a real change of dynasty, even if the gold and silver are buried in their own yard, the new emperor can dig it out.

But if there is a bank that can guarantee safety, and exchange the gold and silver for a few silver bills...

Whether it is running away or hiding at home, it is very convenient.

Wan Sanqian's smile is getting thicker, and his eyes are almost narrowed into a slit.

"Manager Lin's proposal is very reasonable, very reasonable. If the bank opens smoothly, everything will be done according to Manager Lin's wishes."

Wan Sanqian pays the money, and Lin Fei works hard.

Soon, a magnificent building rose from the ground next to the Yunlai Inn.

Lin Fei found the most skillful craftsmen in the surrounding area and made a gold-inlaid plaque for the bank.

There were four golden characters on it.

"Yunlai Bank".

It was a bit rustic, but there was nothing he could do. Those powerful and wealthy people would recognize it.

Soon people came to deposit money.

At first, it was some merchants who peddled goods.

Later, it was some well-known children of aristocratic families.

Later, Ning Zhongze heard the news and simply moved all the belongings of Huashan Sect to the bank.

After a few days, the news reached the capital. After Zhu Wushi and Yu Huatian learned about it, they ordered that all people and carriages leaving the capital should be carefully checked and not allowed to take out large amounts of gold and silver.

It would have been better if this ban had not been issued.

Now, all the dignitaries in the capital knew that there was such a magical bank in Yunlai Town.

If you deposit 10,000 taels of silver into a bank, you can get 300 taels of silver for free within a year without doing anything!

The more you deposit, the more you can get.

Where in the world is there such a good thing?

So there are policies from above and countermeasures from below.

Countless real gold and silver were transported out of the capital in small batches under the cover of night.

All this gold and silver flowed into Yunlai Bank.

It’s not that there are no people who don’t have confidence in Yunlai Bank.

But after a few days, those people went to Yunlai Bank to withdraw money, and they could withdraw all the principal and interest.

This is not an isolated case. Many people have received correspondingInterest.

This time, the reputation of Yunlai Bank was completely established.

"Yunlai Inn Manager Lin" was originally a golden sign at the foot of Huashan Mountain.

Now there is another Yunlai Bank.

There are more people coming and going in Yunlai Town every day.

Lin Fei is even considering how to expand Yunlai Town and turn it into a real city!