After returning to Jinyuan, Jin Ling directly called Gongsun Wei.

Huo Bao and Du Ermao each went to Xianxiang to take charge of an industry, and the corresponding shopkeepers and clerks had been recruited. Gongsun Wei, who was idle, was recalled to Jinyuan to continue to help manage the overall finance.

"Young Master, are you crazy?" When he heard Jin Ling say that he was going to buy the forest of more than 1,000 acres in the Majia Animal Farm for two million gold yuan, Gongsun Wei, who had always been calm, calm and personable, was like a butt

It felt like being pricked by a needle, and I almost jumped up.

"Jinyuan has recently built new buildings and renovated three properties. It is only supported by the income from the mines in Heiyan Xianxiang. The remaining money in the public account is less than 10,000 gold dollars, so you promised to buy a piece of land for two million gold dollars.

Animal farm?"

"Awei, you must buy this beast farm." Jin Ling said, "Caoyuanju is the foundation of Jinyuan. Without the continuous supply of monster meat, its brand will gradually disappear. Xiaolin Fairy Village

I’ve seen the Ma’s Animal Farm, and it’s really good. Moreover, when the forests near Xiaolinxian Village have been carved up by various forces, if you miss this village, you won’t have this store.”

"Young Master, there are many good things in this world." Gongsun Wei said, "But we have to do what we can. Young Master, since you like it, as a subordinate, you should give your full support. But now, let alone two million gold yuan in Jinyuan

I can’t even get out 20,000 gold yuan.”

While the two were arguing, Qinghan who was passing by heard it and hurried back to the house with small steps. After a while, the little girl dragged a heavy bag to Jin Ling's room.

"Qinghan?" Jin Ling looked at the little girl inexplicably.

"Brother, do you want to use the money?" Qinghan blinked his big, watery eyes and pointed to the local pocket, "This is the money I earn from Qinghan's candy house, and I save the money you usually give me.

Get up, there are four to five hundred gold yuan!"

Touching the little girl's head lovingly, Jin Ling smiled, "Qinghan, thank you. I'm your brother, so it's okay to use my sister's money! Don't worry, I have my own rights when it comes to using money.

!”

As he said that, he picked up a pen and paper on the case, wrote a few words, and showed it to Gongsun Wei.

"Jinyuan Bank?" Gongsun Wei read out these words and looked at Jin Ling in surprise, "Young master wants you to open a bank to raise money?"

"That's right." Jin Ling said, "I had already thought about this when I agreed to give Ma Ruimin a high price. Although the Ma family's animal farm is in a state of decline now, the size of the territory and the good terrain are really good. It has to be like this.

The high price is not enough to impress him. The only way to get two million gold dollars in a short time is to open a bank."

Nowadays, the household bureaus of various countries on the continent will open banks affiliated to the national treasury to sell jade tickets with a formation method, with denominations of ten thousand, one thousand, and one hundred gold yuan, which can be redeemed everywhere.

Use. This is mainly used to solve the inconvenience of immortals or big businessmen carrying large sums of money in different places.

Some big forces in various places will also cooperate with the treasury bank to open their own bank.

Immortals or big businessmen deposit gold coins into these banks and pay a certain amount of handling fee, usually about 1%. After receiving the jade notes of the same face value, they can travel to various places. It is very convenient and difficult to fall into the hands of thieves.

Some particularly large amounts of jade tickets have identification formations on them that cannot be used by anyone other than the owner of the jade tickets. This also ensures the safety of the property to a certain extent.

Banks generally have a strong backend and strong protective power to ensure the safety of property. If there is a loss due to bank reasons, compensation will be paid.

Therefore, many immortals and rich people like to deposit a large amount of gold yuan in banks for the safety of their property. For example, Gu Shaogang paid for Jin Ling to buy a mine in jade tickets worth 10,000 gold yuan each.

Paid in form.

"But young master." Gongsun Wei immediately raised his question, "To open a bank, you must be able to accept deposits and withdrawals. We must open many different stores, the size of which should at least be spread throughout the Northern Jin Kingdom. Only in this way can we

It is enough to win credibility. We also need to have an efficient mechanism for transporting gold dollars. If we collect the money from the guests, we will immediately use it to buy Ma’s animal farm. If the guests need money elsewhere, but we can’t get it, this reputation will be lost.

Once you stink, you will never be able to turn around again."

"Because the bank relies on the savings of its customers.

The most important thing is to win the trust of our guests.”

"When we open a bank, we don't need the function of deposits and withdrawals." Jin Ling is confident, "Moreover, not only do we not want deposits and withdrawals, but we also don't want to charge the 1% fee from our guests. Not only do we not charge it, we also have to

Give money to the guests and tell them that for every gold dollar deposited, at the end of each year, in addition to the principal, you can earn an additional five silver dollars."

Gongsun Wei, who had always been good at accounting, was suddenly confused.

The little girl Qinghan also stared wide-eyed, wondering why this brother was so crazy.

If you open a bank and don't charge any fees from customers, but still have to give money? This will lead to bankruptcy in a few days, right?

"It takes a certain amount of time to collect customers' money and pay interest. You can't deposit money today and withdraw it tomorrow, and take away one day's interest. This won't work. It must be done regularly, or every three months.

, either half a year, or a year, or even several years. The interest rate varies with time. The shorter the time, the less the interest rate. The longer the time period, the more interest rate and the banker gets the customer’s money.

, it is necessary to calculate in detail what will not be taken away by customers within a period of time, use it for other more profitable businesses, and use the profits from these businesses to pay back the interest."

Listening and listening, the little girl blinked her eyes. Slowly, her eyes lit up.

Gongsun Wei was shocked at first, then slowly regained his senses, and saw that Qinghan's expression turned from surprise to joy. After thinking about it for a while, he suddenly felt that his eyes suddenly brightened, as if the sky had broken through, and he couldn't help but said in shock: "

Young Master, you, where did you learn this, where did you think of this?"

Jin Ling smiled. The concept of the world investment bank in the dream was only briefly described, but it was enough to break the rules of the Wangxian continent and shock the world.

"Judging from your expressions now, I know that you have probably understood my thoughts." He said slowly, "Now that you understand, I don't need to go into the details anymore. Awei, you go and do one.

The detailed preparation plan is out, and I will see him on the table in my study tomorrow morning."

"Yes." Gongsun Wei was actually itchy when he heard this idea, and immediately went back to his office to make plans.

"Brother, you are so awesome. You can think of all these ways to raise money." Qinghan said, "When you open a bank, not only do customers not have to pay any fees, but the bank also gives them money. Those who have money but have nowhere to make money

People, I'm afraid they will be greatly moved."

She held her heavy bag and said, "I'm going to find Brother Wei right now. I want to be the first customer of Jinyuan Bank!"

When it comes to operating accounts and accounting capabilities, the efficiency of ten Jin Lings is not as high as that of Gongsun Wei. Jin Ling only mentioned a few words, but Gongsun Wei has already thought of dozens or hundreds of ideas.

The next morning, just after dawn, he opened the door of Jin Ling's room with the construction plan of Jinyuan Bank, his eyes reddened, and forced the young master to wake up from his dream.

Let’s start with the introduction.

"Young Master, I can guarantee that if this plan is implemented, those profit-seeking immortals and big businessmen will definitely flock here. Moreover, in the future, we will open bank branches in various places and solve the problem of common problems throughout the kingdom.

After the issue of deposit and redemption, Jinyuan Bank will become the largest bank in the kingdom! "
Chapter completed!