"Everyone in the world is lending money to Mo Jiazi!"
When the bank's announcement came out, almost the entire Chang 'an City was in an uproar. Just when everyone thought that Mo Jiazi would be at his wit's end, he could still make such a move. It was simply blinding.
When the aristocratic families heard the news, they could not help but smile bitterly and helplessly. This was Mo Jiazi. In other people's eyes, he was already in a hopeless situation, but he could repeatedly come back from the dead and make a desperate counterattack.
However, to the banks, it was like a bolt out of the blue. They were all dumbfounded and gathered together again.
"Is this possible?" Shopkeeper Yao murmured.
The cyan-robed shopkeeper smiled bitterly and said, "We can guarantee that the aristocratic families will not lend money to Mo Jiazi, but we can't guarantee that the common people will not lend money to Mo Jiazi!"
The banks were backed by the aristocratic families. In addition, they also had their eyes on Mo Jiazi. Naturally, they would not harm their own interests. However, they could not restrict the common people.
Those common people were never in the eyes of the banks. However, this time, they could not help but pay attention. The money of a common person was only a thousand coins. However, there were millions of common people in Chang 'an City. Even if one-tenth of the common people were willing to lend money to Mo Jiazi, it would be enough to raise 100,000 strings of coins. Not to mention that there was also Luoyang City, which was not inferior to Chang' an City, and the rising wealth of the Mo Family Village.
"The annual interest rate is three percent. Such a low interest rate. Do you think that the common people will be willing to lend money to Mo Jiazi?" A bank shopkeeper said in disbelief.
Mo Jiazi's annual interest rate of six percent was already an insulting price in their eyes. They did not expect that Mo Jiazi would be even more ruthless this time. He actually directly lowered the annual interest rate by half. It was simply a slap in the face to borrow money from the common people.
What was more hateful was that Mo Jiazi's operation actually had a possibility of success in theory. It made all their plans go down the drain.
"It's not up to us to decide now. We just need to wait and see!" Shopkeeper Yao said meaningfully.
Immediately, the managers of the banks present nodded in understanding and left one after another.
…
"I underestimated Mo Jiazi!" In the secret manor outside the city, the second master of the Qian family could not help but groan after hearing the news.
Everyone knew that Mo Jiazi was known to be difficult to deal with. He had already taken the initiative and used a series of tactics, but he did not expect that he still could not catch Mo Jiazi.......
"I, on the other hand, think that the Mo Family has made a foolish move. Since ancient times, people have never revealed their wealth. Every time they have money, they would bury it deep underground. How would they be willing to hand over all their belongings to others for no reason? Besides, the interest of 3% per year is too low! It's not enough for the common people to take the risk. "Cao Guangqi shook his head.
"Money talks about the strangeness of the human heart. Some people want to hide all their money in a safe place that only they know. Only then can they sleep peacefully. However, even if they bury their money in the ground for a hundred years, it will not give birth to a child. In the end, they will only become poorer and poorer. There are also people who want to fight for wealth even if they sell all their family's property. But in business, there are profits and losses. They can't even keep their capital. Of course, there is also the possibility of becoming rich overnight. Tell me, is it better to keep the money in your hands or to use it? "The second master of the Qian family sighed.
"Of course it's because my Qian family's business is good. Using money to make money is a sure win." Cao Guangqi laughed.
The second master of the Qian family smiled proudly and said, "That's right. It's hard to make money with strength, but it's easy to make money with money. No matter which dynasty, the peasants will become poorer and poorer. Wealth is concentrated in the hands of the rich."
"Master is wise!" Cao Guangqi agreed.
The second master of the Qian family's tone suddenly turned cold and said, "However, I'm afraid that the world is about to change. Mo Jiazi actually found a way for these peasants to make money with money."
Cao Guangqi frowned and said, "Second master, do you think that Mo Jiazi's plan will succeed?"
The second master of the Qian family shook his head and said, "There will always be some greedy people who covet these small profits."
"How much money can there be? I'm afraid it's not even a fraction of a hundred thousand strings of coins." Cao Guangqi said disdainfully.
The second master of the Qian family shook his head and said, "We have to be careful. Mo Jiazi is a person who is good at coming up with strange ideas. We have to treat him with caution."
"Why don't our Qian family and Mo Jiazi go against each other? If he pays 3% interest, we'll pay 6% interest. This way, we can definitely make Mo Jiazi's efforts go to waste." Cao Guangqi had a flash of inspiration and said.
"You're saying that our Qian family will also let those peasants lend us money?" The second boss of the Zi Qian Clan looked at Cao Guangqi as if he was looking at a fool. The Zi Qian Clan made a living by giving out imprints, and they valued every single copper coin. How could they accept others giving them imprints? This was simply cutting off meat from their bodies.
Cao Guangqi's heart trembled and he quickly explained, "Compared to the money, 6% interest is already very low. We still have enough profit and we don't have to use our capital."
The second master of the Qian family suddenly had an idea, but he still hesitated and said, "This matter is not urgent. Let's observe the bank first and then discuss it. It's not that easy to get those peasants to dig out the money buried in the ground."
"Yes, second master!" Cao Guangqi said respectfully.
People from aristocratic families and hundreds of families were watching. However, among the common people, Meton's plan of borrowing money from people all over the world caused a sensation. Some people slapped the table and applauded, some people doubted it, and some people just wanted to watch the fun. Immediately, there were many more informers in the Village Mo bank.
"This is Mo Jiazi's last choice. Whether Mo Jiazi can create a miracle or not depends on this." People all paid attention to this plan.
In the Village Mo bank, Shen Hongcai was also nervous. When he learned about Meton's plan, he couldn't help but be shocked by Meton's bold and imaginative idea.
It was true that the money in the hands of people all over the world was indeed a shocking amount of wealth, even more than the total wealth of all the aristocratic families in the world. However, it was not an easy thing to ask people all over the world to give all their wealth to the bank.
However, as time went by, the bank was still very busy with the bill of exchange business. However, the special deposit window was very deserted, and there were only a few people there.
Although everyone knew that Meton was borrowing money from people all over the world, he certainly didn't think so. What he claimed to the public was naturally the deposit service that people in later generations were very familiar with.
"As expected!" In the crowd, many informers of the Qian family couldn't help but snort when they saw that there was no one at the deposit window.
"Money is everyone's lifeblood. Who would be willing to give his hard-earned money to others for safekeeping? This time, I'm afraid that even Mo Jiazi's name won't work."
"It seems that Mo Jiazi's invincible golden body will be broken this time."
Everyone was talking about it and gloating over it.
At this moment, a luxurious carriage suddenly drove over and stopped firmly in front of the bank. A young man jumped down; it was Qin Huaiyu.
"Uncle Qin, take the money box down!" Qin Huaiyu waved his hand, and the butler of the Qin's Mansion took a heavy money box down from the carriage.
Under everyone's gaze, the two walked into the bank proudly.
"Teacher, I'm here to deposit money." Qin Huaiyu stepped forward and said respectfully.
Shen Hongcai frowned and said, "If you're here to help Meton, then don't. If the deposit service of the Mo's Village is successful, 100,000 strings of cash is nothing. If it fails, your money can't help at all."
The butler of the Qin's Mansion laughed and said, "Teacher Shen, you've misunderstood. Young Master originally asked Madam to help Merton, but Madam said that such a small matter couldn't stump Merton at all. Now it seems that it's true. This 1,000 strings of cash is the reserve money of the Hou's Mansion. It's better to put it in the bank than to leave it at home.
Qin Huaiyu chimed in, "We're here to deposit money. Don't tell me the bank doesn't want to do business with us!"
Shen Hongcai naturally knew that Qin Huaiyu was the first to deposit money, which had helped a lot to break the deadlock of the bank. He nodded and said, "No matter who comes to deposit money, I'll accept it. In this case, let's do it according to the rules. You can look at the interest table and decide how long to deposit money."
"The kind that can be deposited and withdrawn at any time!" Qin Huaiyu said immediately. He was the first to deposit money, so he naturally wanted to help Meton. He casually chose the one with the lowest interest. The butler of the Qin's Mansion smiled and didn't intend to dissuade him.
Shen Hongcai stared at Qin Huaiyu and snorted, "Then deposit it for a year, with an annual interest rate of 3%. If you need it, you can come to withdraw it at any time with the certificate. The interest rate is also 1% per year."
Qin Huaiyu smiled awkwardly and said, "Then we'll do as you said."
"One thousand strings of cash, deposit for a year! The principal is 1030 strings of cash when it's due. If it's not withdrawn by the time it's due, it will be automatically transferred to the bank for a year. "
Shen Hongcai did business and solemnly wrote down the number of years and the amount due.
"30 strings of cash in a year!" The butler of the Qin's Mansion couldn't help but brighten his eyes. 30 strings of cash was not a small amount! It was enough to cover the expenses of the Qin's Mansion for half a month. This was an unexpected surprise! He couldn't help but look forward to the deposit business of the Mo's Village. Maybe this time Mo Jiazi could create a miracle again.
Shen Hongcai waved his hand and quickly wrote down the deposit receipt and set the secret key. He told Qin Huaiyu, "Remember the secret key. Even if someone steals your passbook, they can't withdraw your money."
"I understand!" Qin Huaiyu said solemnly.
"And put away your deposit receipt. If you lose it, immediately come to the bank to report the loss. Then you can come with your household registration to apply for a new one." Shen Hongcai quickly finished the formalities. He filled out the deposit receipt, stamped it with the seal of the Mo's Village, and handed it to Qin Huaiyu.
"I'll take my leave!" Qin Huaiyu took the deposit receipt and immediately got up to leave.
As soon as he walked out of the gate, he saw Cheng Chumo and Yuchi Baolin rushing over. Qin Huaiyu proudly waved the deposit receipt in his hand and walked away.
"This guy is one step ahead of us." Cheng Chumo and Yuchi Baolin snorted coldly, looked at each other at the same time, and walked into the bank.
"Teacher, we're here to deposit money." The two said in unison.
Behind them, the butler of the Cheng's Mansion and the butler of the Yuchi's Mansion couldn't help but smile bitterly and step into the bank modestly.
…
"They just pulled in a few people by their connections. It's just a drop in the bucket." Seeing Qin Huaiyu and the other two leaving, many people couldn't help but snort coldly.
The subsequent development further confirmed these people's guess. Although there was the temptation of 3% to 5% interest, the deposit business of the Mo's Village Bank was still lukewarm. After a few days, the deposit collected by the bank was still less than that of Qin Huaiyu and the other two families.
"Mo Jiazi's golden body has been broken. The deposit business of the bank is simply whimsical."
"Money is still safe in one's own hands. Who will give his money to others for safekeeping?"
…
Many people sneered. The long-term inherent idea of absolute possession of property made it impossible for them to deposit money in the bank of the Mo's Village, even if some people were tempted by the annual interest of 3%.
The Qian's Family couldn't help but gloat. It seemed that they were waiting to see Mo Jiazi make a fool of himself. If there was no accident, the deposit business of the Mo's Village Bank would probably fail.
However, things were unpredictable. No one could expect that a small accident would make the deposit business of the Mo's Village popular.
It was nighttime! It was just dawn, and Chang 'an was about to resume its day of hustle and bustle.
"Oh no, there's a thief!" With a miserable cry from a family in Yongle Lane, the tranquility of Chang 'an was suddenly broken.
Chang 'an was the capital of the Empire, the richest place in the world. Naturally, there were people from all walks of life. Among them, there were thousands of people from different sects.
"The Zhou's Family was robbed."
"It's said that they lost 200 taels of silver!"
Soon the news came, and people began to talk about it.
The Zhou's Family was a businessman, and they always had cash at home. This time, they were targeted by a thief, which could be said to be a great loss.
Soon, the owner and constables hurried over. After investigating the scene, Arrester Cao couldn't help shaking his head and said, "The thief is an old hand, and there are no useful clues."
In this era, the technology of solving cases was extremely backward. For cases like theft, unless they were caught on the spot, it was almost like looking for a needle in a haystack.
"Then what should we do? If we can't find the thief, I'm afraid he will continue to do evil. "The owner of Yongle Lane said with a sad face. There had been several theft cases in his district, and he didn't feel good about it.
Arrester Cao shook his head and said, "The only thing we can do now is to strengthen the patrols. The people close their doors and windows, and put their money and valuables in a safe place."
"A safe place." Everyone couldn't help but look at each other. This was the only thing they could do now.
However, what everyone didn't expect was that even though everyone had taken strict precautions, the theft didn't stop. There was even an unlucky person who buried his money in the garden. Coincidentally, the thieves found traces of the loose soil and took all of his belongings. Overnight, he went from a noble family to a pauper.
Gradually, the legend of the great thief began to spread in Chang 'an. Everyone in Chang' an was in danger. The Confucian magazine even reported several issues in a row, reminding the citizens to protect their money.
"The great thief of Chang 'an!"
When Meton saw the report in the Confucian magazine, he couldn't help but smile mysteriously and said, "The bank's chance to turn the situation around is here."
Everyone only saw the low interest of 3% in the bank, but ignored that in order to build a silver vault, the Village Mo's Family had specially asked Gongshu Hong to build a vault that even the Gongshu Family couldn't crack.
The safest place for money in the world was probably the Village Mo's Family Bank. If the people deposited their money in the bank, they didn't have to worry about the safety of their money, and they could also ensure the safety of their money. Wasn't it the best of both worlds?
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