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Chapter 362, the first deposit customer

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    Mr. Wang Shirui was coming to deposit some money, and when he arrived he brought more than a dozen carriages of money. This immediately alerted Zhou Zhi, the president of the Beijing Branch of the First Bank of the Ming Dynasty, who personally received Mr. Wang Shirui.

    In the office of President Zhou Zhi, Zhou Zhi chatted enthusiastically with Wang Shirui and Wang Enyi.

    "President Zhou, if I deposit money here in your bank, can I really get interest?"

    Wang Shirui took a sip of tea, which was the best West Lake Yuqian Longjing produced this year. He put down the teacup, thought for a while and asked.

    "Mr. Wang, our First Bank of the Ming Dynasty was founded by Liu Jin, Mr. Liu. He is this year's number one scholar and is now a member of the Hanlin Academy. He has a bright future and you must have heard of the many industries under Mr. Liu's command.  Yes, Mr. Liu always attaches great importance to reputation when doing business, and every word he speaks out will be spit on and nailed."

    "What's more, the big owners behind our First Bank of Ming Dynasty are the Emperor and His Highness the Crown Prince, so you don't have to worry about putting your money in our First Bank of Ming Dynasty. We will never lose a penny of interest for you. When the deposit is due,  We will also give the money in full."

    Zhou Zhi smiled and introduced the situation of Daming First Bank to Wang Shirui. The meaning was very clear, that is, Daming First Bank has a large background, strong strength, credibility, and will never break its promise.

    "That's good, that's good~"

    Wang Shirui smiled and nodded. He had already understood these things clearly, and now he was just asking to make sure.

    "If you deposit ten thousand taels of silver, how much interest will you get in a year?"

    "We have two types of deposits here. One is a demand deposit. The interest rate is relatively low. It is only about 2.5% a year, which is an annual interest of two and a half percent. If you save 10,000 taels of silver, you will get 250 taels of silver a year.  Interest."

    "The advantage of a demand deposit is that if you need money, you can withdraw the principal at any time. We calculate interest based on the date of deposit."

    "The other type is time deposits. Time deposits have high interest rates, but you cannot withdraw the principal before maturity. You can only collect interest every year."

    "Time deposits are divided into three types: three-year fixed deposits, five-year fixed deposits and ten-year fixed deposits. The interest rate for three-year fixed deposits is 3.5%, which is 3.5%. If you have 10,000 taels of silver, you can have 350 taels a year.  The interest on the silver.¡±

    "The five-year term interest is 4%, which is 4% per year. The ten-year term interest rate is the highest, with an interest rate of 4.8%. If you save 10,000 taels of silver a year, you can have 480 taels of silver a year."

    Zhou Zhi was very patient and introduced the deposit business in the bank to Mr. Wang Shirui in detail. This was the first deposit customer, and it seemed that the amount of the deposit would definitely be very huge.

    ¡°A fixed deposit is only for ten years?¡±

    "Is there one that lasts twenty or thirty years?"

    After hearing this, Mr. Wang Shirui frowned slightly. Ten years is too short. Once he dies, his prodigal son will definitely lose all his family fortune.

    "Well we don't have any long-term time deposit projects at the moment."

    Zhou Zhi shook his head helplessly and said.

    "Then if I want to save a time deposit for thirty years, I wonder if your Daming First Bank can do it. How much interest will it give each year?"

    Mr. Wang Shirui said reluctantly.

    "Thirty years, I can't make the decision on this matter. I need to ask the higher-ups for instructions."

    Zhou Zhi thought for a while and said, he didn¡¯t expect that this first customer would deposit money for thirty years. Aren¡¯t they afraid that the First Bank of Ming Dynasty would collapse and his money would be wasted?

    "Well, then I'll wait here~"

    Wang Shirui nodded with satisfaction.

    He is a businessman. How could he not know that the interest rate is very low? If you use 10,000 taels of silver to do business, it is a trivial matter to make thousands of taels of silver a year. Those who are capable can make tens of thousands of taels of silver a year.

    "The interest earned by depositing money in this bank is only a few hundred taels a year, which is really too low.

    But he has no choice. He has only a few years to live, and there is nothing he can do with his prodigal son. Once he leaves, the prodigal son who eats, drinks, whores, and gambles will soon lose his family fortune.

    So if it is deposited in the bank and earns interest every year, it can at least prevent the whole family from starving to death. When my grandson grows up, there may be hope.

    "He did not leave this money to his son, but to his grandson. After saving it for several decades, he estimated that the prodigal son would also grow old and the family business would be preserved when the grandson grows older.

    ???You must hold the identity certificate issued by the government to apply for a new voucher.  "

    "Of course, for the sake of security, I suggest you set a secret word. Only those who verify the correct password will have us pay him interest every year and issue him a new deposit certificate. This will also prevent outsiders from trying to steal your wealth."

    Zhou Zhi smiled and said, and then gave a suggestion.

    "Okay, I'll leave you a secret message."

    When Mr. Wang heard this, his eyes suddenly lit up. This was a very thoughtful idea. It was not enough to have a deposit certificate. He also had to have a secret message. Coupled with identity verification, under this triple insurance, he could definitely guarantee his wealth.  Only your descendants can enjoy the Tao.

    Even if an outsider gets the deposit certificate, there is no secret word, and he is not his descendant, he can never expect to get a penny from here.

    Soon, Mr. Wang came to a secret small room, where there were four treasures of the study. He wrote two sentences on a piece of paper. These two sentences were secret words, a means of keeping secrets in this era.  (Remember the website address: www.hlnovel.com
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