In the capital, Jucai Yinzhuang store.

As the largest money house in Gyeonggi area, Jucai Yinzhuang has dozens of branches, but the largest one is in the inner city.

It covers more than ten acres of land alone, which can solve the needs of various people.

The behind bank vault, reception, accommodation areas, etc. also occupy hundreds of acres.

A money house can indeed be called the number one in the capital if it has such a scale.

Tonight, three middle-aged people sat opposite each other in a small hall where the guests were meeting.

The owner's seat is naturally Jiang Ting, the shopkeeper of Jucai Yinzhuang, the slightly fat man on the left is Yang Kangfeng, the shopkeeper of the Jingcheng Branch of Jinfu Money Village, and the one on the right is Du Jianghao, the shopkeeper of the Jingcheng Branch of Henglong Money Village, Guangdong.

These three companies are basically the most powerful money houses in Quanjing City and even Quandakang.

Especially for Guangdong Henglong Money House, because it involves marine trade and border trade in the southwest region, their capital is said to exceed 100 million taels of silver, which is very powerful.

Just like later generations, a large company must have its own business points in the capital, not to mention banks and money shops.

Even if the capital is not the richest, there are many wealthy families here, and the various policies here affect the bank bank every minute.

In order to make yourself react the fastest, the capital must be the focus of development.

Over the years, relying on the advantages of geographical advantages and the group of powerful owners behind it, Jucai Yinzhuang has always been the number one in the Gyeonggi region.

But Jinfu Money House and Henglong Money House, which are rich in wealth and have wide connections, have developed well, following them closely.

Of course, the three money banks must have business conflicts and frictions, but in the end they are still controlled within a reasonable range and will not fight.

So today they can get together and discuss a major thing.

This important thing is that at dusk today, His Highness Zhengsu, the Zongren Mansion, talked to them separately and talked about a business that would almost trigger a chain reaction of heaven.

Originally, Liu Mingqi suggested that two money houses were enough, but after the emperor asked, the Henglong money houses in Guangdong were also very good, so he simply let the three of them go together.

The three shopkeepers of Jiaenling had heard of it. At the beginning, there were some things that were unrelated to me, and they watched a group of royal families and nobles make trouble with interest.

But now King Su's intention is to be guaranteed by the clan's mansion, asking them to lend money to the royal family and nobles who want to donate money and upgrade their ranks.

The clan mansion used the annual salary given by the court that these people would receive as repayment, and paid interest and principal every year until the repayment was completed.

This is a very good business.

The clan mansion manages all royal families, and it actually represents the face of the royal family.

Everyone knows that King Su is a person who has always been serious and serious, and it is absolutely impossible to do anything against faith.

But the three of them were still a little hesitant, so they got together to discuss.

"The time given by King Su is too short, we need to give an answer before the Lantern Festival." Du Jianghao said with a wry smile: "There is not enough time for our carrier pigeons to fly back to Guangdong. It means that if the boss and the boss don't know, I have to make the decision."

Yang Kangfeng smiled bitterly, "Isn't our Jiangnan the same? It's cold today and there's a heavy snow disaster in the middle. I don't know whether the carrier pigeon can go back on time. Even if a carrier pigeon arrives, can they decide in just two or three days? It's still pressing on me!"

"Okay, don't be modest, you two." Jiang Ting waved his hand, "Since your boss and the shopkeeper dare to put you here, you will be given the right to make decisions on the spot. As long as things that are beneficial to the money house, why can't you make a decision?"

"You are a little irresponsible." Du Jianghao said: "If this amount is reduced, even if the three of us will be divided, how can we get two or three million taels? The business of three or five million taels will be decided in fifteen days. I feel that a mountain is pressing on me and I can't breathe."

They are all good actors!

Jiang Ting smiled slightly, "Actually, what you two are in a dilemma is not the business itself, but the repayment model and interest, right?"

He simply pointed out.

The court introduced that it was as high as 10 or 20 million, and that there may be millions of businesses every year in the future. It is an excellent thing to have a royal family like the clan's mansion personally guaranteed it.

But the problem lies in two aspects.

The first is that the repayment time is too long. According to their calculations, the average is thirty years. The emperor and the prime minister are not fools. They know that fifty years are too long and people don’t want to do so, so they set it for thirty years.

This means that in the past thirty years, the royal family and nobles not only had to contribute the annual salary of this title, but also had to pay enough money.

It is a test for the royal family and nobles, but relatively speaking, it is a test for the money house.

A loan that is as high as millions or even tens of millions of taels of silver will take 30 years to return with capital and interest. This is too long.

What will happen between the two? Will it take too long and take up too much funds, which will bring business difficulties to the money house?

These are all things that have to be considered.

Moreover, in addition to the long time, King Su even proposed a low-interest proposal.

How low is the profit?

The annual interest rate is 2 cents.

For example, if a family borrows 500,000 taels of silver, then their annual interest is only 10,000 taels of silver.

Most of the profits calculated by the three major money houses on weekdays are between five cents and one cent, and at most two cents, which is twenty percent.

If it is a particularly risky one, they will not pick it up.

Not greedy.

This is the most important reason why the three major money houses have grown to this day.

Because they have high credibility, many people who need to turnover will borrow their money. The higher the credit level, the better the assets, the lower the profits they give.

But this kind of person with an annual interest rate of 2 cents has never been given.

It's not a year or two, two or three years, but a full thirty years.

From the perspective of continuous investment and rolling borrowing, this is completely unprofitable.

The three major money houses are unwilling to accept these two conditions - long-term and low-interest money.

Logically speaking, wouldn’t they just refuse?

King Su just asked them for help, and there was absolutely no intention of forcing him.

The problem is that they can't bear to give up such a big deal!

How many royal families and nobles are there in the whole world? How many descendants are there?

Nowadays, everyone is doing business, which means they have a lot of money in their hands and need more money.

If they have borrowed money from this envoy and have a good relationship with each other, and when they need money turnover in any business they do in the future, wouldn’t they have to find their own three major banks?

Take a step back and say that even if these people don’t have business dealings with them, the time span is at least a hundred years, and the total number is at least 50 million taels of silver. Who doesn’t want it?

It doesn’t matter if there is little profit, isn’t it a high profit if there is a large base?

Moreover, there is a guarantee from the clan mansion, and first of all, the funds can be guaranteed to be safe.

This is what the three shopkeepers are struggling with.

After Jiang Ting made it clear, Du Jianghao nodded, "In fact, it doesn't matter if it takes thirty years. The key is that the profit is too little. Even if I only give me three cents, I'm willing."

Jiang Ting was talking nonsense beside him.

Compared with two li, three li has increased by 50%. Compared with such a large transaction, of course it is worth it.

The key is that others refuse to do it, and two cents are the ultimate profit.

Yang Kangfeng suddenly said: "You said, can we find the royal family and nobles by ourselves? We lend them money directly, so that we will have more initiative!"

As soon as he finished speaking, he saw the two of them looking at him like a fool.

Yang Kangfeng shrugged, "I just said it, if it doesn't work, forget it."

He himself knew that this possibility was too small.

It is not scary to annoy the clan’s mansion, but it is scary to annoy the emperor.

No matter how powerful their backstage leaders are, can they be better than the emperor?

If you destroy the emperor's ideas, you may not be sure of revenge.

...

While the three of them were hesitating, the butler's voice suddenly sounded at the door outside.

"Shopkeeper, Prince Yu is here to visit. Are you going to see him now?"

Prince Yu?

Jiang Ting was stunned. This genius in the royal family had no friendship with him and had no business dealings.

Other people's shops are like treasure pots, making a fortune, and there is no need to borrow money at all.

They even don’t even want to save money, and they don’t know if so much money is wasted at home.

In his thoughts, Jiang Ting asked, "What did he say?"

The housekeeper responded: "The little prince said that he can solve the problems of you, Manager Yang and Manager Du."

Um!?

The three were shocked.

"How did he know we're here?"

"How could he be involved in this matter?"

The three of them said the above words at the same time.
To be continued...