Regarding Jinxing, the Tang Daily disclosed very little, and did not know much, just Han Yi, Chen Xiao and Sang Mu knew about it.

Everyone was also very curious. If they wanted to develop for a long time, it would be impossible to rely on donations. However, before that, they had not considered this issue. They all thought that the queen might make money by using it, but now it seems that this is not the case.

"Daughter, do you know?"

Yang's curiosity also made Han Yi tempted.

Wu Meiniang smiled and said, "Mom, why are you anxious? Han Yi will naturally say it later."

When the ladies saw that Wu Meiniang didn't say anything, they asked Xiao Wuyi again.

Xiao Wuyi smiled and said, "Aunts, did you all say it? Han Yi will say it later." But he complained in his heart that Han Yi did not tell her about this.

Little did she know that she had never considered this matter, and she was really not interested in the business.

But Han Yi actually started drinking tea at this time, which made the VIPs in the audience roll their eyes. When is it bad to drink tea, they just wanted to drink it at this critical moment. It was obvious that they were deliberately choking your house to death.

Han Yi also noticed it and thought to myself, what jokes are going to start. This is related to the development of my Fengfei Tower in the next few decades. Of course, I have to treat it with caution. After drinking two cups of tea, Han Yi returned to Taichung. The whole audience was silent. He first glanced and said, "Borrow loan!"

I was stunned at first, thinking that you would tell me some clever way, but I didn't expect it to be loan sharks.

You take our money and lend us loans, which is better than you to make a living.

"Brother Han, I think this is inappropriate. The businessman who makes money by borrowing loans has a bad reputation. How can you use the money from the Queen Wu Charity Education Foundation to borrow? This is a move that puts the cart before the horse." One person stood up and shouted. This person was Mao Xin, needless to say, he must have been entrusted.

Now Han Yi is the leader of a poor family, and of course he will not fall behind. Therefore, he invited twenty poor families as representatives to participate. In fact, most of these twenty people were shouting for the most fierce people for him during the fight.

But when he shouted, the people below immediately made waves of discussion.

Han Yi always smiled when facing the discussion below.

After a long time, the VIPs in the audience were stunned when they saw Han Yi looking at them so calmly, and they all looked at him with wide eyes.

After the discussion stopped, Han Yi said: "The guy just now said it very well. In the eyes of the people, the lender is like a vampire. There is no good thing to do with them, but everything has two sides. Why can borrowers get rich and why is it so annoying? It is mainly because someone asks them to borrow money. People always have time to lack money, but they are forced to borrow money. I hereby announce to you that from now on, those who lend money loans in Chang'an will never return. Because our financial bank will replace them, we will replace them with a low-interest loan model. And we will tailor-made loans for merchants, farmers and craftsmen."

The businessmen in the audience cheered up one after another.

"Businessmen usually lend money, why do they have to borrow money?" Of course, Mao Xin said this routine.

"This question is very good! Why do businessmen borrow money?"

Han Yi smiled and said, "But I believe that the businessmen sitting below should have a deep understanding of this. I am also a businessman myself. Businessmen often face poor turnover. Many times if they have more than one hundred currencies of money in their hands, they will make several times more money."

Many businessmen nodded.

Han Yi said: "Of course, the people sitting here are all famous wealthy businessmen in Chang'an. They may be very few when they are short of money. But there is a kind of businessman who needs to borrow money, which is the small businessman who just emerged. He can use the most successful businessman in our Taobao market as an analogy, which is the old man who sells pottery. I believe many people have heard of him. He was originally a poor old farmer. Just two years ago, he lived a poor life, but now? With his own workshop, not only did the whole family live a wealthy life, but also supported many people. If our Taobao market had not provided him with so much help at that time, he would not have been what he is today."

With such a good opportunity, of course he would not give up promoting his Taobao market.

"But if he had sufficient funds at that time, it might not take a year to develop to its current scale, and it would even be more than twice as strong as it is today. There are also many small businessmen like Mr. Tao who have excellent products in their hands, but they have missed the best opportunity because they have no funds to develop."

Han Yi smiled and said, "From now on, the Queen Wu Education Charity Foundation will help them. I believe that after they become rich, they will know how to be grateful and donate money to the Queen Wu Education Charity Foundation. This will form a virtuous cycle. Of course, our goal is not to wait for him to donate money, but to borrow money or to charge interest."

Next he explained the interest in detail. The minimum interest on the loan is four cents, which requires at least one-month loan, that is, forty cents a year, interest is paid. This is a five-month loan, called a worker and peasant loan, which is specially established for the people and workers. More than five cents a business loan is a business loan, and the interest is six cents.

Of course, the longer the loan period, the higher the interest rate will be. However, Han Yi did not say in detail, but said it will be announced later. In addition, workers and peasants’ loans must have collateral to obtain loans. However, for commercial loans, in addition to collateral, goods can also be used as collateral. This financial bank will evaluate it. If you think your goods can make money, you can also borrow money to you.

As soon as the interest was released, an uproar sounded in the audience.

The interest rate was directly reduced by more than ten times. In fact, the court also had certain regulations on interest rates, especially for the pawn industry, which stipulates that the minimum interest rate is 5% and the upper limit is 10%, but it is the monthly interest rate. Multiplied by twelve to be the annual interest rate, and the highest is 120%. Ultimate loans are even more ridiculously high, but Han Yi's annual interest rate is lower than the monthly interest rate, which simply makes usury have no way to go!

"Brother Han, are you right? You borrow a hundred cents, only four cents a year?" a businessman said in a trembling voice.

"good!"

Han Yi said: "Our Jinxing and Empress Wu Education Charity Foundation both have permanent plans, not one year, not ten years, not one hundred years, but permanent. We don't need to make huge profits in a short time, we can develop slowly."

Everyone couldn't believe it, the low interest rate was terrible.

Wang Xuandao asked Zheng Shanxing: "Brother Zheng, have you seen the trick?"

Zheng Shanxing shook his head and said, "I haven't figured it out yet."

Cui Jieren narrowed his eyes slightly and said, "This is nothing more than winning by volume. Borrowing can only earn up to 60 cents a year. This is indeed not much, but if 10,000 guan, it will be 600 guan a year. Is this less?"

Mr. Lu said: "But lending 10,000 coins a year is simply a fantasy."

As soon as he finished speaking, Han Yi said, "In order to set an example, our Fengfeilou will borrow 10,000 yuan from Jinshang."

The Lu Shigua almost bit his tongue.

As soon as this said, there was a sound of surprise below.

This year's interest rate is 600 kilns.

People will be scared to death.

Sang Mu, who was standing in the backstage, shook his head and sighed. Isn’t this just messing with himself?

Zhao Sijia said curiously: "Brother Han, didn't you open this Jinxing?"

Han Yi said: "No, no, no, this is opened by me and the first floor, and there is also the Queen Wu Education Charity Foundation. It has a legal effect. No one can move this money. In addition to our own profits, anyone who wants to borrow must follow the rules. I will also have to pay the same interest as you for the loan. I will mortgage part of the North Lane to the Jinshang and lend the money out of it."

Qian Dafang's eyes rolled and said, "Why don't Brother Han borrow so much money at once?"

"Of course it's charity!"

Han Yi said without changing his face: "Everyone should know the strength of our Fengfeilou. How could we need to borrow money? I do this mainly to support charity and treat it as a gift I gave to Empress Wu Education Charity Foundation. Of course, I don't deny that this is supporting my own business. In addition, I can't just give such a gift. I will also donate 5,000 guan of books, paper and ink for the college to use."

strength?

Sang Mu, who was standing in the backstage, wanted to laugh. He had already seen the bottom of the game. If you have the ability, you would try it. But he still said so loudly and righteously. Five thousand guan of books are probably the only one that Feng Feilou can do, and this is not a one-time donation. If you want to say the funds, even a hundred guan may not be donated.

Another of them knew that this was Yuan Xi. Han Yi was developing so rapidly that several major projects started together. The Yuan family had never done this before. It was probably overwhelming. They thought to themselves, it turned out that I donated this money to him.

But Han Yi definitely can't say that he wants to open a gold store, so he tells everyone that he has no choice but to borrow money. Who can still believe in the gold store?

But the audience was completely fooled by Han Yi. At the same time, they gasped and borrowed 10,000 guan at any time and donated 5,000 guan at any time. This sounded so exciting. I just felt that Han Yi's strength was really unsatisfactory. Little did they know that Han Yi had already seen the bottom of it, and he was just making a fortune.

Han Yi suddenly changed his mind and said, "I wonder if you have ever thought that this is all about the Jinxing operation. How should the Queen Wu Education Charity Foundation make a profit?"

Qian Dafang said: "Isn't it half-divided?"

"Then you have to calculate the amount of money. If you can calculate it for me and you lock up your rice shop, I will pay you a hundred currency a month."

"Really?"

Qian Dafang said in surprise.

"Of course it's true."

Han Yi smiled and said, "But if you can't calculate it, you have to give me fifty taels every month."

Qian Dafang blinked and stopped talking.

Han Yi coughed lightly and said, "In fact, this lending has existed since ancient times. Except for the lowest interest rate in history, there is really nothing worth accord to it. It cannot be regarded as a symbol of our gold store. I spent so much effort to upgrade my money number to a gold store, of course, more than this little difference. Our gold store is committed to improving the lives of the people and creating a new way of life. I will introduce the most distinctive business of our gold store, which is to save money."
Chapter completed!