usatvline Chapter 176 I didn't expect such a good thing to happen
Chapter 176 I didn't expect such a good thing to happen
He couldn't help but interrupt Shen Yiran and asked, "Miss, not only do we not charge service fees for deposits and withdrawals, we also give customers interest. How do we make a profit? Won't we lose all our capital?" Uncle Li was so anxious that he rubbed his hands.
Shen Yunyu also looked puzzled and expected his sister to explain it to him.
Shen Yiran then realized that she was facing two people from ancient times. After listening to what she said, they must have thought that she had become stupid again.
Shen Yiran looked at Uncle Li and his elder brother's puzzled faces, smiled and said, "Uncle Li, elder brother, don't worry. Let me explain slowly. Although we give customers discounts in depositing and withdrawing money, we can make profits in other ways. Do you know what lending by loan means?"
Uncle Li and Shen Yunyu both shook their heads.
Shen Yiran went on to explain: "To put it simply, when someone needs money, they come to our bank to borrow money. We lend them the money and charge a certain amount of interest.
Part of this money comes from the money that customers deposit with us. We give some interest to customers who deposit money, but we charge a higher interest when we lend it to others. The difference in the price is our profit.”
Shen Yunyu nodded thoughtfully: "Oh, so that's how it is. Then how can we be sure that the person who borrowed the money can pay it back?"
Shen Yiran said: "We can examine the borrower's assets, credit and other conditions. If they have sufficient assets as collateral or a good credit, we can lend them money with confidence.
Moreover, we can also stipulate the loan period and repayment method to ensure that we can recover the principal and interest on time. In this way, we can attract customers to deposit money and make money through lending, killing two birds with one stone.”
Shen Yunyu's eyes were full of surprise. He nodded continuously, with a pleased smile on his face. He praised: "Yi Ran, I didn't expect you to have such a wonderful idea. This method is really great! Our bank will definitely attract many customers and regain its former glory."
Uncle Li was also full of joy, his eyes sparkling, and he kept rubbing his hands, saying, "Miss, your idea is so good! I was worried at first.
Now it seems that I was short-sighted. With this method, our Defu Bank will definitely become the most prosperous bank in this city."
Shen Yiran smiled lightly. In fact, this was not her contribution. She was just a porter. In modern times, this method has long been used.
Afterwards, she asked Uncle Li to bring a large piece of red paper and a brush and ink, and began to write on the red paper carefully. Her handwriting was graceful and powerful, and every stroke was full of hope for the future of the bank.
"Grand opening promotion!" These few big words first appeared on the paper, and then she wrote down the content of the event in detail.
After finishing, Shen Yiran looked at his work with satisfaction and said to his elder brother and Uncle Li, "Post these red papers at the entrance of the bank and in conspicuous places in the city so that more people will know about our activities."
Uncle Li immediately called his servant to take the red paper and post it.
Soon, the news of Defu Bank's reopening spread throughout the capital. People were talking about this novel activity, and many people were attracted to it.
"What does it say on it?"
"Yeah, we don't understand it."
Some people who could not read were getting anxious. At this time, a young man in a moon-white robe came over, saw how anxious everyone was, and smiled.
He said, "Don't worry, let me read the content of this poster for you."
His eyes fell on the red paper and he slowly read: "Opening Grand Rewards! Defu Bank has reopened and is launching a 'giving back to new and old customers' event...
Everyone gathered around the young master, listening attentively, with excitement gradually showing on their faces. After the young master finished reading, everyone started to discuss.
"Tell me, is this true? I've never heard of a money shop that doesn't charge service fees for depositing money." A middle-aged woman in purple clothes said in disbelief.
"That's right, if you deposit money you get a gift. This is really unheard of."
"Who says it's not true? Fixed deposits can earn generous interest."
"If this is true, then I have to deposit all the spare money in my house here. I'm afraid it will be robbed if I leave it at home."
......
In just half a quarter of an hour, many people gathered at Defu Money House, and everyone was discussing the authenticity of the event.
Shen Yiran saw this and knew that this was a good opportunity for publicity, so he said to Uncle Li, "Uncle Li, go out and tell the villagers that the activity is real and effective."
Uncle Li quickly put down his work, walked to the door, cleared his throat and said loudly: "Fellow villagers, this activity of our Defu Bank is absolutely true and effective.
The event will officially start in three days and last for ten days. You can rest assured to deposit money in our bank. There is no service fee for flexible deposits and gifts are given. After the event, flexible deposits will only charge half of the service fee of other banks.
There is no service fee for regular deposits and withdrawals, and there is interest. The longer the deposit period, the higher the interest. Our bank has always been honest and trustworthy. It is safe and secure for everyone to deposit money here. "
When everyone heard what Uncle Li said, they were immediately shocked.
The lady in purple clothes' eyes lit up and a look of surprise appeared on her face.
She said excitedly: "Oh, that's great! But it won't start until three days later. I have to remember the date and go home to get the money to deposit." After saying that, the old lady started counting the days on her fingers.
A middle-aged man next to him also became excited and nodded, "This is a great opportunity. Although there are still three days left, I have to go back and prepare."
Several young men gathered together and talked, "I didn't expect such a good thing to happen, but we have to wait for three days. We must seize the opportunity and plan well in these three days." One of the young men said, rubbing his hands together.
Everyone's face was filled with expectant smiles, as if they had already seen the scene of their money earning interest in the money house.
Some people began to calculate how much money they could save, while others couldn't wait to tell their relatives and friends the good news.
The entrance of Defu Money House was bustling with activity, and everyone was looking forward to the event starting in three days.
When night fell, Shen Yiran changed into night clothes just like last time and climbed over the wall to leave Huaxiyuan.
The night wind blew, her hair lifted slightly, and she landed lightly like a nimble cat.
Then, she changed into women's clothes in a secluded place and put on a mask with a fox pattern, and then slowly walked towards the Yuelai Theater.
After the last failed experience, Shen Yiran kept reminding herself in her heart that she must not drink tonight and must get the job done.
Shen Yiran stepped into the Yuelai Theater, and the noise hit her face. In the brightly lit theater, people of all kinds were walking around, and the aroma of tea, powder and various foods were intertwined.
She narrowed her eyes slightly, searching for the familiar figure in the crowd.
However, after searching around, she did not see Qin Rufeng. She felt a little disappointed, as if a flower bud that was waiting to bloom was hit by frost.