Chapter 693

"What to do?"

Xie Qian smile, eyes full of banter color, "that of course is to let them do so, now this Weicheng, the people's deposit silver is not enough to worry about, the most important is that a few big, they hold most of the Weicheng silver, as long as they do not take the initiative to go to the Imperial Bank, then we will be able to win."

After hearing Xie Qian's words, Wang Yangfa suddenly realized that he was laughing.

They have already locked up the money of those big families, even the Huang family, the Bai family and the Xiao family. They plan to switch to the Imperial Bank. For a while and a half, they can't get back the money invested in the Jianshang bank.

And Xie Qian's biggest confidence comes from here. The money of Weicheng's big investors has been tied up by him. How many other retail investors can have?

And to run a bank, deposit is the key, but it's a double-edged sword. You have to use their money to do a lot of things. If you can't do it, then the deposit will drag you down.

The reason why Jianshang bank is able to gain a firm foothold in Weicheng is that on the one hand, it has sufficient funds and is a brand-new industry, which makes many people very curious.

Secondly, Weicheng is actually a city with relatively developed commerce, so there are many merchants. These merchants travel south and north to settle down in Weicheng. Naturally, they also want to run some small industries.

If you have no money on hand, you need to go to Jianshang bank to borrow money. A large part of Jianshang bank's money comes from these merchants.

In other words, it is the Jianshang bank that supports the merchants industry in Weicheng.

Now, Weicheng's market has been saturated, otherwise Xie Qian would not want to expand Jianshang bank.

If the Imperial Bank is established in other places, it may be able to reap very good achievements, but it will be set up in Weicheng, which is to draw a shudder from the fire. If it is not well managed, or if the capital chain is broken, I am afraid it will face great risks.

Although Xie Qian has set up a bank, he knows how terrible the risks are, so he firmly believes that people in the world can't play with the financial project of the bank. Even if the second prince is a member of the royal family, he has a huge influence and is definitely not his opponent.

"Ha ha, in that case, I'm relieved."

Wang Yang said with a smile, now he is more and more like a shopkeeper. With a smile from Xie Qian, Wang Yangfa has been cultivated. Maybe soon, he will be able to entrust the whole Jianshang bank to Wang Yangfa, and there is no need to doubt his loyalty.

……

The Imperial Bank has been open for seven days. The second prince Mo Wen has adjusted the interest rate, which is higher than that of Jianshang bank. I don't know why. On the contrary, Jianshang bank has lowered the interest rate, which makes many people in Weicheng complain.

"Ha ha ha, this Xie Qian is really in his head. He even lowered the interest rate at this time. It's cheap for us!"

The second prince laughs and says that the young and old people on one side are dignified. Because of the move of Jianshang bank, many people have started to invest in their imperial bank.

"Second prince, I'm afraid that's not necessarily a good thing."

Green old some gloomy say.

"It's not a good thing. As long as everyone deposits money with us, we can control a lot of money."

Second prince Mo Wen said with a smile.

"We also need to pay huge interest expenses. Second prince, although the emperor's silver has been sent through other channels, if we continue to accumulate depositors, I'm afraid that paying interest alone will not be enough to support us for a month!"

Green old face color dignified said.

"How could that be? How is the builder bank profitable? I can't understand it all the time! "

Second prince Mo Wen frowned and said.

"It's very simple to borrow money. As long as someone comes here to borrow money, we can charge more interest. This is the lending mode of Jianshang bank. It uses people's money to lend to people in need, and then earns the interest. It keeps countless mouths, and at the same time, it makes a lot of money."

Qinglaotan takes a breath. He admires Xie Qian's mind. He can think of such a way to cover the white wolf with empty hands.

"Then let's lend it out quickly!"

The second prince said in a hurry. At this time, qinglao gave him a look. Mo Wen, the second prince, knew nothing about business, and he was just an old scholar in mathematics, and he was not very good at business management.

"We also need to borrow money. Now there are only depositors and no borrowers in our Imperial Bank. If we go on like this, I'm afraid our Imperial Bank will be empty!"

Qinglao put forward the crisis, let the second prince Mo Wen frown, but he suddenly can't think of any good way to solve this situation.

"No, I can't. I'll continue to intensify publicity and use my identity to borrow money from the Imperial Bank. If I want to do this, I have to make sure that all the people in Weicheng will join us. Today I met with the Xiao family. They are the three families in Weicheng. As long as I can deal with them, I think our Imperial Bank will win."

The second prince Mo Wen said in a hurry.

"Your Highness is wise."

Qinglao also means this. Since we want to kill Jianshang bank, the three families in Weicheng are the most important!

"Second prince, the people of Xiao family have been waiting outside."

At this time, a soldier came in and said respectfully to the second prince Mo Wen.

"Well, take him to the side hall, and I'll see him now!"

The second prince said with a smile in his eyes, he can't do it. The second prince of the Great Qing Empire is not as good as Xie Qian in Weicheng. He is much better than Xie Qian in terms of resources, contacts and power. Even Xie Qian is successful. What's wrong with his second prince?

When the second prince came to the side hall, he immediately met the head of the Xiao family. At this time, the head of the Xiao family came to the second prince with a smile and bowed respectfully.

"You're welcome, master Xiao."

The second prince said with a smile.

"Now there's news everywhere in Weicheng that the Imperial Bank was founded by the second prince. I had some doubts. I didn't expect that when I saw it today, the second prince was the dragon and Phoenix among the people!"

Master Xiao is an old man. He knows what happened when the second prince invited him to the Imperial Bank today, but he also has his own difficulties and is helpless.

I just hope that Mo Wen, the second prince, will not embarrass them.

"Master Xiao, I don't want to say more polite words. Compared with your intelligence, I know what I want you to come for, right?"

Mo Wen said with a smile, he is the second prince of the Qing Empire, the status is lofty, this small Weicheng Xiao family, should not be so shameless.