"Well …" Shopkeeper Yao opened his mouth, but no words came out. He was afraid that he could not afford so much money.
"What? You don't have enough money?" Meton said with a faint smile.
Many shopkeepers were embarrassed. They were afraid that such a large amount of money would require the help of the people behind them. After looking at each other, the cyan-clothed shopkeeper stood up and said, "Merton, don't worry about the money. We can get it by then. But all loans must be backed by something. I wonder if Merton has something valuable as a guarantee. After all, this is not a small amount."
All the shopkeepers held their breath. They knew that the most important thing was coming. The guarantee here was not that the money could not be paid, but that the money would be confiscated if the money was not paid.
Meton thought for a moment and said, "Xie Qianchou, the winery of Village Mo, is the best wine in the world. It makes a lot of profit every year. How about using this as a guarantee?"
"Xie Qianchou!" Everyone's eyes lit up. This was a rare high-quality industry.
The cyan-clothed shopkeeper shook his head and said, "Xie Qianchou is still the best wine in the world. If it was before, it might be possible. But after all, the secret distillation technique has been leaked. There are countless good wines all over the country. I'm afraid that the value of Xie Qianchou can no longer be guaranteed."
Other shopkeepers nodded. The Village Mo was a big fat meat. Xie Qianchou alone could not satisfy their appetite.
"So you mean …" Meton said calmly.
"If you want to guarantee 100,000 strings of cash, you must add the secret glass technique of Village Mo." The cyan-clothed shopkeeper said with a little excitement.
All the shopkeepers held their breaths. What was the most profitable business in the Village of Mo's village? The Secret Art of Glass was the only business in the Great Tang, and it was extremely popular. The crystal clear glass bottle was the main reason why Xie Qianchou could keep its reputation as the best wine in the world.
Seeing this, Meton said casually, "It's not impossible for you to get the secret glass technique. But we need to discuss the interest."
"Interest!" The shopkeepers were both happy and worried at the same time. They were happy because they had the opportunity to get the secret glass technique of Mo Jiazi's village, but worried because the most insidious part of the Yin Money was the interest. If Mo Jiazi insisted on lowering the interest, their scheme would fail.
"As far as I know, there are two types of interest on the Mark Money. One is the interest of the sheep, and the other is the rolling of the donkey," Meton said with a smile.
"Merton is very knowledgeable."
The bank managers nodded awkwardly. In the past, they had used the two types of usury to scam people. However, in front of Mo Jiazi, who knew the business, they felt ashamed.
"If I'm not wrong, the Mo family will have to pay back two hundred thousand strings of cash a year later if we use sheep's breath!" Meton counted with his fingers as if he was seriously calculating.
"Merton's mathematical skills are unparalleled in the world. We really don't dare to display our slight skill in front of an expert. However, if Merton thinks it's too high, we can discuss it again." Shopkeeper Shen suppressed his greed and said. Earning a profit of one hundred thousand strings of cash a year was a number that they did not even dare to imagine.
"No need. The Mo family can't earn that much money in a year. We can't afford it!" Meton refused without hesitation.
"Marquis, why don't you consider rolling of the donkey? The interest is easy to discuss," the green-robed shopkeeper said with a smile.
Meton turned his head and asked Shen Hongcai, "Teacher Shen, how much is the interest of rolling of the donkey?"
"Three percent per day and two hundred percent per year," Shen Hongcai said expressionlessly.
Meton said in surprise, "In that case, the Mo family will have to pay back two hundred thousand strings of cash a year later."
"This is only the interest of ordinary people. Naturally, we won't use it on Merton. As long as Merton asks, we can discuss the interest," Shopkeeper Shen said in a clear voice.
"Is it really that easy to negotiate?" Moton asked tentatively.
The group of shopkeepers nodded solemnly and said, "Merton is also an expert, and Teacher Shen is a master of mathematics. Please give us an accurate number, Merton."
The group of shopkeepers naturally knew that their previous tricks were useless in front of the two masters of mathematics. They agreed at once.
"Since everyone is so straightforward, I won't keep you in suspense. The Mo Family Village won't accept too much interest. Similarly, we won't accept compound interest," Meton said as he stood up and looked around.
Immediately, many people were unhappy. Compound interest was the trump card of the bank. If not for the huge amount of money that Meton had borrowed and the prospect of future profits, they would not have negotiated with Meton. However, due to Mo Jiazi's power, no one refuted.
"Please tell us the interest, Merton," Shopkeeper Yao said with a smile.
Moton said firmly, "One hundred thousand strings of cash. I don't care how you divide it. If you borrow it for a year, the interest will be six percent. If you borrow it for two years, the interest will be seven percent. So on and so forth. If you borrow it for five years, the interest will be one percent. Of course, this is also the highest interest. The interest will be settled when it is due and will not be included in the compound interest.
"6%? That's impossible!"
Suddenly, all the shopkeepers of the bank were in an uproar and their expressions changed. In their eyes, Mo Jiazi's request was simply a fantasy. Under normal circumstances, their daily interest was 3%. However, Mo Jiazi's annual interest was only 6%. The highest interest was 10%. This was simply a beggar.
"Marquis Mo, are you trying to break the rules of Yin Zi Qian? Since ancient times, there has never been such a low interest. "Shopkeeper Yao's smile disappeared and he said angrily.
"You think it's low?" There was no need for Meton to do anything. Shen Hongcai sneered, "Take the annual interest of 6% as an example. The Village of Mo has to pay 6,000 strings of cash a year. If it's the highest five-year loan with a 10% interest, the Mo family will have to pay 50,000 strings of string of cash in interest. Do you think that's too little? "
Everyone fell silent. Although they could make a huge profit by selling the stamp money, as long as no one was in a desperate situation, they wouldn't take this path. Therefore, customers didn't come in every day. If they calculated it this way, the money they earned would probably not be as much as if they directly sold the stamp money to the Mo Family.
Furthermore, with the Mo Family's reputation and strength, it was safe and risk-free to earn this money. Even if they were to print the money, they would still be worried about a life and death struggle.
"50,000 strings of cash is not a small amount, but if it's distributed to every bank, it won't be much. The principal is too much and the interest cycle is too long. More importantly, Merton has broken the rules of the bank for thousands of years. Please forgive me for not being able to accept it." Shopkeeper Yao shook his head and said.
All the bank managers nodded. If they broke the rules of the bank because of the Village of Mo, it would not be so easy for them to make a high profit when they lent to others.
"Let's talk it over. Since it's so, let's both take a step back. Our bank will give up the business and Merton will raise the interest to 5% a year. What do you think?" The cyan-clothed shopkeeper obviously didn't want to give up such a huge profit and tried his best to argue.
Shen Hongcai sneered, "5% a year. The annual interest of the Village of Mo is 50,000 strings of cash. Do you think it's easy to make 5 copper coins?"
The cyan-clothed shopkeeper smiled awkwardly. 50,000 strings of cash a year was indeed not a small amount. He continued to argue, "If Merton doesn't agree, we can continue to negotiate."
Meton shook his head and said, "The highest annual interest rate is 1%, no more."
"Then we have nothing else to say! Please forgive the Huitong Bank for not being able to help Merton! "Shopkeeper Yao stood up and cupped one hand in the other before his chest.
The other bank managers also stood up and stood up together.
"Teacher, see them out!" Meton waved his hand and said.
"Goodbye!" All the managers cupped one hand in the other before their chest and left.
"Professor Shen, please continue to persuade Merton. If it really doesn't work, 4% a year is fine. The lowest annual interest rate is 3%, no lower." Before they left, the cyan-clothed shopkeeper tried his best to persuade Shen Hongcai. Unfortunately, Shen Hongcai shook his head regretfully.
After Shen Hongcai sent the managers of the bank away, he returned to Meton and asked, "Have you noticed who the real Ziqian family is?"
Meton shook his head and said, "This is not important. It can even be said that every one of them is from the Ziqian family. The way of money benefits both sides. They can obviously help others and gain a lot. However, the Ziqian family is driven by greed and sits on the side of draining the pond to catch the fish."
Shen Hongcai said regretfully, "You have clearly shown them a clear path, but they abandoned it like a shoe."
It was not that the Ziqian family was short-sighted, but they simply could not give up the benefits that they could easily get their hands on. The money was money that was stained with blood.
"They are out, they are out!"
The news that Mo Jiazi wanted to borrow money had already spread throughout Chang 'an. In front of the Fish Scholar's Restaurant, there were already spies. When they saw the managers of the bank coming out with ashen faces, they could not help but exclaim.
"It seems that the negotiations have broken down!"
This made their hearts itch even more. They wanted to find out what had happened inside.
"100,000 strings of cash. Mo Jiazi wants to borrow 100,000 strings of cash!"
Soon, the latest news came. When the citizens of Chang 'an heard the amount that Mo Jiazi wanted to borrow, they could not help but be shocked. To ordinary people, 100,000 strings of cash was an astronomical figure, but Mo Jiazi wanted to borrow 100,000 strings of cash.
"If this is the interest compound!" Many people counted with their fingers and could not help but be tongue-tied at the shocking figure they had come up with.
"Is Mo Jiazi's brain damaged? How can he borrow 100,000 strings of cash? How can he repay it?" Many people lamented.
A well-informed businessman said, "It is said that Mo Jiazi used Xie Qianchou and the Secret Glass Technique as a guarantee."
Everyone could not help but be in an uproar. These two were the most profitable businesses in the Village of Mo, especially the Secret Glass Technique. If the price was 100,000 strings of cash, the aristocratic families would not hesitate to use up all their wealth.
"Nothing can stop the interest compound." A person who had seen the power of the Secret Money snorted.
"Do you think Mo Jiazi is the same as the village's fools? He negotiated with the bank and asked for an annual interest of 6%. "The businessman said loudly.
"6% annual interest!"
Everyone was shocked in disbelief. This was probably the lowest interest in the world.
"Then the bank agreed!" An idle man asked.
The businessman spread out his hands and said, "How is that possible? Didn't the negotiations break down?"
"Oh!"
People did not know whether to feel sorry or happy for Mo Jiazi. They were happy that Mo Jiazi did not have to be exploited by the Secret Money, but regretful that the financial crisis of the Village of Mo was still not solved.
In a secret manor outside Chang 'an, the second boss of the Qian family heard Shopkeeper Cao's report and could not help but sneer, "100,000 strings of cash! 6% annual interest, Mo Jiazi is really daring. "
The Qian family was the greediest. 6% annual interest was an insult to them, so they could not help mocking.
Shopkeeper Cao said worriedly, "Second Boss, although the interest rate of the Mo family is low, the amount of the loan is very large. The overall interest rate is quite high. In addition to the Mo family's credit, it is certain that they will be able to repay the loan. I am afraid that some banks will not be able to resist the temptation!"
The Qian family knew the Qian family the best. In the face of huge interests, all principles could be negotiated face to face. The interest of 50,000 strings of cash for five years was not a small amount. It was enough to make the Qian family, who had no bottom line, give up the bottom line.
The second boss of the Qian family sneered and said, "If they can repay the money, when will the Qian family need to repay the money? The reason why Mo Jiazi can be so confident in offering such a low interest is that the Village of Mo is not poor. You send a message to the Chang 'an Bank. If anyone breaks the rules of the Qian family and loans to the Village of Mo, don't blame the Qian family for being ruthless. "
"Yes!" Shopkeeper Cao bowed at once.
The second boss of the Qian family sneered and said, "At that time, when the Village of Mo is short of cash, they will have to ask the Qian family for help. At that time, we will be the one to ask for any conditions. The winery and the secret glass skill are nothing. The bank is the only way out for the Qian family. The best result for the Mo family is to withdraw 300,000 strings of cash from the royal treasury. At that time, the Qian family will have a chance."
"Second boss, you are so wise!" Shopkeeper Cao could not help but feel excited. At that time, he could walk in Chang 'an City openly again.
As the news that the son of the Mo family had borrowed 100,000 strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings of Strings
As mysterious people went in and out of the banks one after another, news came from the banks that the thousand-year-old rule of the money could not be broken. The banks would not accept Mo Jiazi's interest.
"Mo Jiazi wants to break the thousand-year-old rule of the money with the power of his family. It is simply wishful thinking." Many of the Hundred Schools of Thought and a group of aristocratic families heard the news and could not help but sigh.
After receiving the letter, Meton was silent for a long time. Suddenly, he laughed and said, "In that case, the Mo family will let the Qian family know that the money is not to be played like this."
Shen Hongcai nodded solemnly.
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