"There are some smart people who are afraid that they will take too much money and are targeted. So they took the banknotes to exchange them separately for the money bank's semicolons. The authorities calculated it all, but they didn't know that every day, the money bank would go to various places.

Summarize the accounts, at least five days later, any semicolon in the country will gather in the capital. They can tell at a glance what their small abacuses are."

Listening to Liu Sichun's tone, the shopkeeper asked carefully: "Boss Liu, do you need to restrict withdrawals?"

Liu Sichun didn't think about it and immediately refused: "You can't limit it. You can just take it, you can get as much as you want. Once the withdrawal is restricted, the news will leak, which will inevitably cause panic among the people. Once the bank run is triggered, the bank will be

In trouble.”

The word run is too fresh and the shopkeeper can't understand it, but based on the meaning of the context, he can also guess a rough idea.

In fact, even Liu Sichun learned the word run from Li Chen.

Before Li Chen left the capital, he specifically told her many things, including preventing the run.

It seems that Li Chen expected that once bad news came from the front line, it would lead to problems in the money shop, so Li Chen left many plans specifically to teach Liu Sichun to deal with various situations.

Seeing Liu Sichun’s objection, the shopkeeper naturally shut up.

Liu Sichun continued to read the account book.

After roughly browsing the account book, Liu Sichun quickly mentally calculated and came up with a set of numbers.

"At present, the total deposits of money banks across the country are about 86.5 million taels, while the current bank inventory is only 33 million taels, of which more than 22 million taels were loaned out."

"When lending is bound to produce bad debts, it is just that we can recover bad debts through local official service, so the loss is not large, but it is inevitable that the borrower will disappear and die, and it is indeed impossible to repay. This part probably accounts for the entire loan scale.

One or two thousandths, it is barely acceptable.”

"We have a deposit of more than 86 million taels, and the interest we have to spend every month is nearly 30,000 taels, and the profit we can get from borrowing is equal to about 80,000 taels per month, and then deduct a thousand yuan.

One-two of the losses of bad debts, and the costs of staff salaries and other costs of money banks across the country, can maintain a monthly surplus of about 10,000 taels after operating the entire bank."

The shopkeeper was amazed when he heard the accounts calculated by Liu Sichun.

"Boss Liu is indeed a great calculation." The shopkeeper flattered.

Shaking his head, not taking over the shopkeeper's flattery, Liu Sichun said: "If you open such a big stall, you can earn 10,000 taels a month, which is actually almost equivalent to not making money. However, according to Your Highness, the most fundamental purpose of the money shop is not to make money.

, instead lending, revitalizing the capital operation of private merchants and making the whole world prosperous. Only in this way can the court obtain greater tax returns, which is the fundamental purpose of the establishment of a money house."

The shopkeeper immediately said: "Indeed, many business friends around the villain like to come to our bank to borrow money. First, the procedures are convenient, and second, after all, the court has endorsed it, the process is transparent and simple. The most important thing is that the interest is more important than other bankers in the private sector.

Much lower.”

Liu Sichun sighed: "Your Highness said that if war is not inevitable, it is time for the money shop to be absolutely impossible. The money shop has just developed and is still very immature and weak, and cannot withstand any risks. Once it is severe, it must be in the minds of the people.
Chapter completed!