: If you have the strength, turn over the table and smash the pot

Chapter 132

Although it has been more than three months since the bank was established, in fact there are not many people in southern Liaoning and even the world who have dealt with the bank.

Zhang Chen took one of her maids. Women are women. In the environment of the late Ming Dynasty, there were still too many inconveniences. Zhang Chen's maid was called Hao Wuniang, and her maiden name was Yanzhi. She was a hand

A ruthless character who took a life.

Hao Wuniang was originally the fifth daughter of Hao Huandong, the commander of the Laizhou Guard, and she was married to Gan Yanshou, the commander of the Weihai Guard.

In later generations, this Gan Yanshou would be a complete scumbag, and he would be a scumbag. After the marriage, he would punch and kick Hao Wuniang if he was not satisfied at all. Hao Wuniang accepted it, but the problem was that this Gan Yanshou was really a scumbag, and he only wanted to get promoted and make a fortune just for the sake of promotion and wealth.

, he gave his wife to his immediate boss, the pervert Zhou Kui.

This pervert Zhou Kui has a lot of fun. He doesn't like ordinary promiscuous women, nor does he like yellow-flowered girls. He prefers to imitate Cao Cao and be a good wife. Hao Wuniang, who had just married Gan Yanshou and became his wife soon, became his target.

.He used some tricks on Gan Yanshou, and Gan Yanshou understood.

In order to force Hao Wuniang to obey, Gan Yanshou personally made Hao Wuniang drunk with wine. However, Gan Yanshou did not know his wife. Hao Wuniang had drank a lot since she was a child. For her, that little wine was just a gargle.

At this time, Hao Wuniang broke out. At night, with a silver sword, she killed Zhou Kui, the commander of Weihai Guards, and four of his soldiers, including her husband Gan Yanshou, her eldest brother Gan Yannian, and a total of eleven Gan family servants.

After killing these eleven people, Hao Wuniang was rescued by Feng Sanniang in order not to cause trouble to her natal family. Later, she found out that she was already two months pregnant.

In this way, she followed Feng Sanniang and gave birth to her own daughter. When Feng Sanniang came to Liaonan pretending to be Mrs. Cheng, she also followed Feng Sanniang and pretended to be Feng Sanniang's servant.

But the problem is that Feng Sanniang is a fake wife. Although she has no worries about eating and drinking in the backyard of Ning Haijun Military Mansion, the problem is that Cheng Shijie does not give Feng Sanniang living expenses, and Hao Wuniang naturally has no money.

After giving birth to her daughter, Hao Wuniang had no milk. In order to make a living, she had to become Zhang Chen's bodyguard.

When arriving at this three-story cement building, Hao Wuniang was stunned. As the most distinguished person in southern Liaoning, Hao Wuniang had lived in Cheng Shijie's family for more than two months, and Hao Wuniang was well-informed. She never thought that Ning

Compared with this bank, the Navy Headquarters is like a beggar competing with the Dragon King.

There is absolutely no comparison.

At the main entrance of the bank, there is a huge square with two rows of carriage parking areas that can park more than a hundred vehicles at the same time. There are also two rooms where wealthy people can rest temporarily. There are sofas with backrests in the rooms.

, even in Cheng Shijie’s General Military Mansion, they are rare.

Especially the exterior wall of the three-story building is actually covered with a layer of gold bricks. Each brick is yellow and as hard as iron. When thrown on the ground, it makes a sound of metal clashing. When the sun shines through, the entire wall glows with thousands of dots.

Golden light, extremely gorgeous.

Entering the lobby of the bank, the floor is also paved with gold bricks, which is extremely smooth. Silver-plated chandeliers hang on the ceiling, like blooming lotus flowers. The silver light flows and is dazzling. These crafts alone are worth a lot of money.

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By the way, a fireplace is installed inside. If you light a fire, it will be warm inside no matter how cold the weather is. It is warmer than hiding in the kang. There is no need to light the fireplace now, but the candles on the ceiling will still burn during the day.

Even though the lobby is so big, it doesn't look dark at all.

Here stood a row of bank staff wearing long gowns and Xiaoyao scarves. In the Ming Dynasty, there were strict regulations on what kind of clothes people of different classes should wear.

Mrs. Zhang Chen nodded secretly. This Liaodong Bank was strong enough, with more than a hundred scholars serving here.

Speaking of scholars, these scholars are different from the scholars in Jiangnan, but they are indeed qualified to wear Confucian shirts because they have worshiped Confucius and Mencius and read the books of sages.

"Dear Madam, how can I help you?"

Zhang Chen nodded: "I want a loan!"

Before borrowing money, Zhang Chen had inquired about Liaodong Bank, which was also the former Liaonan Bank. The owners behind it were Liaodong Economic and Strategic Envoy, Zuo Dudu, General Zhengqi, Liaodong Dudu Commander Sidu Commander, and Ning Haijun

Chief Military Officer, Cheng Shijie controlled the Dongjiang Army.

Sure enough, in Zhang Chen's mind, only Cheng Shijie would be so kind to the people. If everyone has enough money to deposit it, not only will they not be charged, but they will also receive interest. If money is tight, they can also borrow money from here. The interest rate is quite low.

Compared with looking for landlords or underground banks, the donkey-like usury of pawnshops is much more fair.

Since there were not many people in the lending area, Mrs. Zhang Chen came to the counter soon.

Arriving at the counter, Mrs. Zhang Chen was slightly stunned.

Because the shopkeeper (actually supposed to be a loan officer) sitting in front of the counter is actually a woman. Although this woman is wearing a Xiaoyao scarf and the same Confucian shirt as the scholars outside, she has a confident and gentle smile on her face. God's will:

"Madam, how can I help you?"

"I want a loan!"

"First of all, let me introduce to you the lending rules in our bank. We need collateral. Do you have anything that can be pledged?"

"I have!"

Mrs. Zhang Chen casually took out the house deed, shop deed and land deed that she had prepared.

The loan officer reached out and respectfully took the three contracts. As loan officers, they did not need to do appraisals, but handed them over to specialized appraisers.

Because their contracts, whether early or late, were originally issued by the Military Affairs Administration and belonged to the same family, that is to say, even after the Management Committee was established, it took over this matter.

They can easily get the number of the original file from the management committee. This is a sixteen-digit number. It is the same as the ID number of later generations. The ID number is a regular combination of numbers, and the number of house deeds and land deeds is regular.

Yes, it is actually not easy to crack. Through the digital number of the house deed, it is very easy to check the authenticity. This is one certificate, one number.

Very quickly, a professional appraiser quickly gave a reference value for the pledge of Zhang Chen’s assets. The most valuable property of Zhang Chen’s is actually her store, because of its good business prospects, good location, and good operating conditions.

The appraiser gave an appraisal of two thousand taels of silver, the property was valued at 160 taels of silver, and the 100 acres of land was valued at 800 taels of silver.

Although the wasteland in southern Liaoning is worthless, there is very little land in private hands. Ning's navy officers can be divided into more than fifty military fields, which can only be obtained by martyrs and military merits. Even if Cheng Shijie's original intention is to pay one tael of silver per acre of land,

But in fact, the land in southern Liaoning is now available for eight taels of silver, but no one is willing to sell it.

The reference value of this land price is the value of the land sold by the Liaonan Administrative Committee to private factories. This is industrial land, and industrial land in Liaonan can only be found in alkali wasteland, gravel land or mountainous areas with no agricultural value.

If you want to open a factory, the first step is to buy land, buy industrial land that cannot be used to grow crops, level the land in your own way, and build factories...

"Dear Madam, our professional appraisers have evaluated the value of your pledge. The total value of your pledge is two thousand nine hundred and sixty taels of silver. Do you have any objection to this?"

Zhang Chen was slightly surprised, because the value was far higher than she expected. Her house and shop were built earlier, and the workers in Liaonan at that time were worth even less. Therefore, her principal was actually only ten taels of silver, and seven taels of silver.

In a few months, with a principal of ten taels of silver, I earned 2,960 taels. How many times did this increase?

Zhang Chen’s head was a little exhausted: “No!”

"Madam, according to regulations, you can only borrow half of the value of the collateral, which is one thousand four hundred and eighty taels of silver. However, considering that you are a martyr's relative, this standard does not apply to you. All military and martyred relatives, Marshal Cheng will

Provide guarantee, so you can borrow up to three thousand taels of silver!"

Mrs. Zhang Chen nodded and said, "Then I'll borrow three thousand taels of silver!"

"Our bank needs to charge a certain amount of interest. Do you understand this?"

"I can understand that!"

"Our loan interest rate is two cents. If they borrow ten taels of silver here, the monthly interest is two hundred cents. In one year, it will be two taels and four cents of silver, and in three years, it will be seven taels and two cents. That is to say

After three years, you must return seventeen taels of silver to our bank."

The loan officer continued: "Considering that you are a martyr, if you borrow money from our bank, the interest will be halved as appropriate. That is to say, if you borrow three thousand taels of silver, you need to pay our bank's interest of thirty taels of silver every month. You

Is that acceptable?"

"Shuai Cheng is a good man!"

Mrs. Zhang Chen smiled and said, "I'll borrow it!"

The loan officer collected Zhang Chen's house deed, store deed and land deed, and then asked Zhang Chen to sign and fingerprint. After the loan contract was signed, the contract was made in two copies. One was kept in the bank and the other was handed over.

Save it for Mrs. Zhang Chen.

Subsequently, the loan officer operates the transfer. If you need to withdraw money, you need a password, personal seal and signature (if you are illiterate, the operator can sign on your behalf, but the fingerprint must be printed on it.

After discussing with Zheng Jian and others, Yang Yuniang and others adopted Cheng Shijie's method combined with the original bank's method. The seal, handwriting, and fingerprints must be exactly the same, otherwise they will not get the money. This completely eliminates the possibility of manipulation by either party.

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It took Zhang Chen less than half an hour to get the loan from review and evaluation. Of course, she does not need to withdraw the money immediately because her business expansion also takes time.

While Zhang Chen was handling the loan business, a woman came with her maid to handle the deposit business. This woman was Miss Xu Si. Although the Xu family was well off, the problem was that her money was about to run out. As a

Fourth Miss, if there are four big brothers above her, it will be very easy.

Martina wrote a letter to one of her four brothers. The letter was very simple: the younger sister (elder sister) had no money, and the eldest brother came to the rescue.

So, Xu Ji's five sons sent money to the fourth lady one after another. It may have been agreed upon by the five brothers, and each of them gave one thousand taels of silver, which was five thousand taels of silver.

Originally, these servants brought money, and Maldina wanted to take it directly to Zhenhai City, but she heard that Liaodong Bank does not charge fees for depositing money and returns interest.

Ten taels of silver has an interest of thirty cents a month, and five thousand taels of silver has an interest of fifteen taels a month. This means that she does not have to spend a penny on these five thousand taels of silver. She only eats the interest.

This will make her live a very nourishing life.

In fact, this is indeed the case. In the entire southern Liaoning, ordinary people's living expenses are about five or six hundred yuan a month. Even people like Zhang Chen who have meat and fish every day can have a higher living standard than her in southern Liaoning.

It's really not much. Her main expense is to replenish her son's health, which is four to five taels of silver in a month.

This also includes the expenses of her servant Hao Wuniang, her daughter, maids, and five other people.

Zhang Chen found that when facing customers, whether they were borrowing money or depositing money, the female staff responsible for handling procedures always had a warm smile. There were many procedures to be completed, which made people feel

Feel more at ease and comfortable.

Zhang Chen didn't know that these female employees had received nearly three months of training before taking up their posts. The most difficult thing they practiced was smiling, which made their faces freeze...
To be continued...