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Lu An nodded slightly.
Zhou Rong was a little confused.
He knew that this was the shopkeeper in Chang'an Supermarket.
It is no exaggeration to say that the development of Chang'an Supermarket today is thanks to Lu An.
Lu An is a very capable woman, and she is well-known in Chang'an City.
Lin Xuannuo's big Chang'an Supermarket has flourished in her hands.
Regarding business, Lu An also has his own unique views.
Therefore, it is easier for her to explain.
Lu An talked softly and eloquently: "As for the interest, it actually needs to be calculated in detail."
"In a few words, I can't explain clearly at all."
"For example, two people come to save money at the same time."
"Everything that survives is the time of death."
"One person saves for three years, and the other saves for one year. The interest rates of the two are naturally different. It must be higher for three years, right?"
Zhou Rong nodded when he heard the words, and agreed: "This is natural, and it should be taken for granted."
Then, Lu An continued to talk.
Regarding the setting of interest, she put forward an opinion of her own.
Calculated on a monthly basis, for one thousand renminbi, you can get five renminbi of interest in one month.
That is five thousandths!
This interest rate is actually not low.
The minimum deposit is half a year during the death period, and the interest for one year is increased to 6/1000.
Every additional year, the interest increases by two thousandths!
In other words, if you save for a three-year death period, the monthly interest is ten thousandths!
You can get 120 yuan a year just for the interest!
You know, there is no inflation yet.
The interest money for one year is 120 yuan, which is already quite high.
It's about the time of death.
Regular ones are also simple.
If it is less than one month, it will be calculated according to the number of days.
Lin Xuan also gave Zhou Rong a rough formula, and the interest rate must be lower.
Zhou Rong suddenly realized, and couldn't help nodding.
He also picked up the small notebook he carried with him and wrote it all down.
Lin Xuan talked for about half an hour before Zhou Rong finally understood.
"Qinglong King, thank you very much!" Zhou Rong said excitedly, full of confidence.
He now understands everything.
He is confident that he can definitely handle everything about the bank.
Lin Xuan smiled when he heard the words, and asked lightly: "Old Zhou, do you know what benefits the bank will have after it is built?"
"What?" Zhou Rong only felt a little baffled when he heard the words, with a curious expression on his face.
"Safe!" Lin Xuan said calmly.
"Safe? What does this mean?" Zhou Rong asked curiously.
"Because this bank is guaranteed by Datang officials, so deposits and withdrawals are guaranteed."
"People and merchants will naturally trust, so you don't have to worry about no one coming to the bank to deposit money."
Lin Xuan paused, and then said: "In the future, for example, if a merchant wants to go out to do business, there is no need to carry a lot of copper coins. Because that is too inconvenient and very unsafe."
"With a bank, people will be able to withdraw money anywhere in the future after switching to cash withdrawals with certificates and passwords."
"The safety is doubled, and it is also lighter and easier to carry."
Zhou Rong suddenly realized when he heard the words: "So that's how it is."
It is true that Lin Xuan said that the safety is doubled.
Zhou Rong knew that something similar had happened.
Merchants take a lot of money to buy things elsewhere.
As a result, he encountered a robber on the way, and the merchant's money was robbed by the robber.
If you change to a certificate, then don't worry.
People are holding credentials, how do these robbers rob?
It's useless for the robbers to steal the credentials, you need a password.
Moreover, there must be corresponding verification.
After all these requirements are met, the money can be withdrawn.
Lin Xuan then said with a straight face: "The bank is a very important existence."
"After it is fully built, you will be able to experience it."
"The most important thing is to??The circulation of money in the Tang Dynasty is beneficial. In the future, when merchants do business, they can borrow money first if they are short of capital. "
Afterwards, Lin Xuan continued to talk eloquently, probably telling Zhou Rong about his grand plan in detail.
You know, the bank will need a lot of money to build Datang next.
Concrete roads will also be built in impoverished areas such as Southwest China in the future.
But where is the money coming from?
It is nothing more than relying on merchants to build.
But the money in the hands of merchants is simply not so much.
If they want to build it, they have to rely on bank loans.
For Datang, this is a profitable business.
Lin Xuan built the bank to prepare for the future.
Cement has become popular.
Now Lin Xuan has also slowly delegated his power to merchants to mine cement.
They first have to spend money to buy mining qualifications, and then they have to pay for the workers they hire.
There is nothing wrong with Lin Xuan handling it by himself, the main reason is that he is too lazy to take care of it.
Moreover, he has a lot of things to deal with every day, and he is already too busy.
So for merchants, they need to spend a lot of money in the early stage. (Remember the site URL: www.hlnovel.com - Didn't finish reading? Add this book to your favoritesI'm a member and bookmarked this chapterCopy the address of this book and recommend it to your friends for pointsChapter error? Click here to report
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