Zhang Xiaobao and Wang Juan perfected the loan matter in their rooms behind, because this industry is also emerging, and what should be considered must be taken into consideration, especially money shops. Once they are open in various parts of the Tang Dynasty, it is not just as simple as helping people change or make up their money.

It means that you can’t just exchange money for gold and silver, but you also need to have the functions of borrowing and savings.

Of course, money shops are easy to open now. Others put a lot of money here to save them. Not only do they not have to pay interest, but others also have to take out part of it as storage fees. If they can lose money, the person who opens a money shop is really an idiot.

Wang Juan thought by himself, Zhang Xiaobao was the same. The two of them thought about their own ideas. At that time, they combined the advantages and disadvantages. After Wang Juan wrote a few, he asked: "Is it really not to pay interest to those who save money?"

"Don't give it first, wait until you open a few more places before talking about it. The advantage of not giving is that we can take less risks, but we can lower the interest rate in other places in the early stage, and it is very easy to do so.

The disadvantage is that the speed of accumulating circulation funds is slow. If we give interest to others instead of letting others pay, many people will be willing to deposit this money in the money shop. The more money we save, the more we can adapt, and then the more funds we can use."

Zhang Xiaobao stopped writing and replied.

"I know that as long as there is no run, a large amount of money will be ours. We can always use it with confidence. The larger the base, the more stable we will be. We are afraid that someone will deliberately make bad things, deposit large amounts of money first, and then withdraw them in a large amount in another place. In that way, if there is insufficient funds in the early stage, there will be a shutdown in another place.

But it wouldn't work if you don't withdraw a lot of money, because many people are like this. They are just going to do a big deal, afraid of the danger of cash, so they spend a small part of their money to deposit it in the money house. As long as it's cheaper than hiring someone to guard, they will make a profit."

Wang Juan frowned slightly. Who made no electronics business here? If only it would be fine.
Chapter completed!