novelAbuy Page 190
Page 190
Even if you have spare money, you will definitely not take this risk and deposit it in the bank.
Only when money is in your own hands can you feel safest.
How to get money from the hands of the people is not an easy task.
"Why do people keep their money in the bank?" Zhang Cang asked in confusion.
"It's simple. To the outside world, the money deposited in the bank can generate money, that is, money generates money." Zhao Sheng explained.
Zhao Sheng continued to add, "The longer the money is stored, the more people will withdraw it."
Zhang Cang was thoughtful about this, and continued to ask, "Money generates money, how to calculate the income of depositing money in the bank?"
"It's simple. For example, if you save 150 yuan and take it out a year later, you can get [-] yuan more. If you do the same thing, you can save [-] yuan, and you will get [-] yuan."
Although the interest is not high, it is for the common people.
Even the smallest fly is meat.
The more you save and the longer you save, the more interest you will get.
Relying on the memory in his mind, Zhao Sheng wrote down the approximate bank interest rate of the deposit.
After all, the deposit is the spare money at home, and the bank has just started, and there may not be many people saving money.
But as time goes by, there will definitely be a steady stream of people who are very happy to deposit money in the bank.
The business of deposits is not the main task that banks have to do at present.
I saw that Zhao Sheng continued to Zhang Cang, "You should know that there are many people in Xianyang who want to start a business, but suffer from lack of capital, but the bank can also solve this problem for the people.
People can borrow money from the bank, and the interest is only two out of one hundred! "
The bank opened by Zhao Sheng is not a means for him to make profits for Daqin.
Zhang Cang finally understood the intention of His Highness the Crown Prince. The interest on this loan can be said to be very low.
Compared with some businessmen, the interest rate for borrowing money from the common people is frighteningly high.
The interest will even exceed the principal, which is simply eating human blood.
If the people have something to continue, Daqin Bank will be their best choice, stay away from black online loans! ! !
Zhao Sheng is not worried at all about what will happen to those people who have borrowed money if they don’t pay the loan. This is very simple. If it is overdue, he will work for Daqin, and rely on the wages of the workers to repay the loan. When the loan is paid off, he can repay them. free body.
"The prince is benevolent and considerate of the common people!" Zhang Cang praised Zhao Sheng.
Zhao Sheng laughed lightly, not paying attention to Zhang Cang's admiration, Zhao Sheng continued to Zhang Cang, "Daqin Bank's business is more than that, and the priority right now is related to personal accident insurance!"
"What is personal accident insurance?" Zhang Cang just understood the role of the bank, and now he issued another personal accident insurance.
"Businessmen recruit workers from the common people, and the common people are injured or even seriously injured while working, so they lose their labor power. The compensation for the merchants can be said to be a huge amount of compensation!" Zhao Sheng is not willing to see that he is injured because of work and loses the means of making a living. , the last family was starved to death.
If so, it would be too miserable.
Personal accident insurance just can solve this problem.
"Personal accident insurance is also related to people's work?" Zhang Cang asked.
Zhao Sheng nodded, and continued to explain, "Personal accident insurance means that the businessman pays for the insurance for the working people at his own expense. With the insurance, the subsequent injuries will be compensated by Daqin Bank."
As more and more people work, businessmen need to pay more insurance.
As for the subsequent compensation, it can be taken from the insurance submitted by the merchants.
As for the banks launched today, since no insurance has been paid, all compensation for losses should be fully borne by the merchants themselves.
Regardless of the amount of money, it is all paid by the merchant.
If such a situation occurs, it can only be regarded as the businessman's own fault.
Regarding the law on this point, Zhao Sheng will find Li Si later, discuss this matter, and add such a law to it.
This includes medical bills, lost wages, etc.
As for the seriously injured workers, they are not so overwhelmed that they would want to defraud money by self-harm.
If such a situation really occurs, there is only one possibility. The current Daqin makes it impossible for the people to see the future development.
But today's Daqin is different, and the current Daqin is on an upward trend.
A well-off society is also one of Zhao Sheng's goals.
Zhang Cang nodded gratefully. Managing the bank was such a heavy burden. Zhao Sheng entrusted this matter to himself, and Zhang Cang's proficient arithmetic was even more useful.
"Please rest assured, His Royal Highness, Cang will definitely manage the bank in an orderly manner."
Zhao Sheng nodded in satisfaction, and continued, "The staff in the bank can be selected from the scholars in the Daqin Academy."
As an errand in the bank, the salary will never be low, and the work in the bank does not need to be exposed to the wind and the sun.
A proper iron rice bowl.
I believe that there will be many scholars who want to work in the bank.
"Memorize the matters related to the bank today, and in the future, all the affairs of the bank will be managed by you." Zhao Sheng continued to Zhang Cang.
This bank is no more than a private bank, marked with the word Daqin.
It is also under the management of Daqin.
"promise."
……
The son Fusu mansion.
What Fusu was reviewing was the case related to Heifu.
Fusu heard about the rumors in Xianyang, so he transferred the case from the government.
Right now, after flipping through it, Fusu knows the problem this time.
However, just now, Fusu's guards notified Fusu, and His Royal Highness said that he would give the people of Xianyang a satisfactory answer in ten days.
Fusu asked himself, if he handled this matter by himself.
I am afraid that I will choose to pay out of my own pocket to solve all the needs of the injured family and their future livelihood.