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Chapter 403 Zhu Di borrows money

Zhu Di's arrival also made Lao Zhu very happy. He made an exception and drank a few more drinks. While drinking, Zhu Biao and Zhu Di persuaded Lao Zhu to hold Lao Zhu's 70th birthday and invite all the descendants of the Zhu family to celebrate together. Li Jie also kept inspiring him. Finally, Lao Zhu was finally persuaded and agreed to hold his 70th birthday banquet next year.

With Lao Zhu's words, Zhu Biao immediately began to prepare. After all, this is not a trivial matter. It is necessary to notify the descendants of the Zhu family scattered all over the country in advance, and even the adopted sons such as Mu Ying, as well as Zhu Ceng who is overseas.

Many of them are far away, and even if they are notified immediately, time is a bit tight, so the next day, the Jinyiwei in Beijing started to move out immediately. After all, the Jinyiwei is obviously better at conveying messages than other institutions.

Zhu Biao had to work hard, so during this period, Li Jie accompanied Zhu Di around the city of Beijing. Zhu Di had not come back for a long time, and the entire city of Beijing was also very different. He didn't recognize the roads in some places, especially in the south city. He used to remember that it was just a wasteland, but now it has become a prosperous city.

That morning, Li Jie took Zhu Di to the bank for a visit. Looking at the constant flow of people in the bank hall, Zhu Di also said with some emotion: "Your bank is getting more and more powerful. Now even the Goryeo has started to use new treasure banknotes, and even the Japanese side can use it. It has become a hard currency like copper coins!"

"Uncle Fourth said this reminded me that I was planning to build a branch overseas, but I haven't decided where to choose yet. Goryeo is a good place, but the transaction volume in Japan is larger, so I can't make up for a moment." At this time, Zhu Xueqing, who was with her side, suddenly smiled.

"What are you up to the point? You don't want to deal with your father, right? So don't think about it, just choose our Goryeo. As long as you need it, I will let you cooperate with it!" Zhu Di immediately made the decision. If Goryeo has a bank, it will definitely greatly promote the circulation of Goryeo's business, which is a great thing, so of course he has to rush to agree.

"Okay, since you said that, I'll have someone prepare now. Then I'll set up a branch in your city!" Zhu Xueqing also said very readily, and looked at Li Jie proudly while speaking.

Li Jie smiled and didn't speak. Zhu Xueqing wanted to open a bank overseas, not only to expand the bank's business, but also to use the bank to influence the economy of overseas territories such as Goryeo and Japan, so that their connection with the Ming Dynasty would be closer and they would not be disconnected from the Ming Dynasty in a short period of time.

Zhu Di only knew that banks were very important and were very convenient for business communication, but he did not realize that banks were actually a financial weapon. Of course, this cannot be blamed for Zhu Di. After all, in this era, except for a few people such as Li Jie, others did not realize the real role of banks.

"By the way, I heard that your bank can still borrow money. Can I borrow money from you?" Zhu Di suddenly thought of something again, so he asked again.

"Uncle Fourth, do you want to borrow money?" Zhu Xueqing and Li Jie all showed surprise when they heard this.

"By the way, Goryeo is a poor place. In recent years, it has encountered natural disasters and man-made disasters, which have led to large-scale unpaid food. But money is needed everywhere in China. I am so worried that I can't sleep at night!" Zhu Di also showed a helpless expression at the end.

In the past, when Zhu Di was in charge of Beijing, although he could also intervene in administrative terms, it was mainly the responsibility of local officials. However, now he is in charge of a country alone, and he needs to worry about all aspects, especially in finance. He has made him spend all his efforts. In recent years, Goryeo's harvest has not been good, and although commercial tax can be supplemented, it still makes him short of it.

"Of course there is no problem with the loan, but Uncle Fourth, how much do you plan to borrow?" Zhu Xueqing thought about it for a moment and immediately spoke. Loans are one of the main businesses of the bank. As long as Zhu Di has a mortgage, he can borrow money to him.

"Is there a 500,000 tael?" Zhu Di was shocked when he heard this and immediately reported a number. He originally wanted to report 700,000 taels, but Old Zhu promised to pay him 200,000 taels during the Chinese New Year.

"So much!" Zhu Xueqing was also shocked when she heard this. Usually, bank loans are dozens or hundreds of taels, and thousands of taels are already a large amount. As for loans worth tens of thousands of taels, the number of times has not been many since the bank opened, and most of them are less than 100,000 taels. This is the first time I heard someone report such a high amount.

"There is no way. Goryeo needs money everywhere, especially because I have someone built a Goryeo navy based on the Ming Navy. The money is more like flowing water. However, it will be reduced next year." Zhu Di also explained patiently. In fact, if it wasn't for the lack of money, he would not be able to lose face and borrow money from his younger generation.

Zhu Xueqing pondered for a moment again, then finally looked up and said, "Okay, I thought about it. The bank can squeeze out a loan of 500,000, but what are you planning to use as collateral?"

"I still need to be mortgaged?" Zhu Di frowned when he heard this. He thought that he was a family and only needed to make a verbal promise to borrow money, but he didn't expect that his niece would even have to be mortgaged.

"Uncle Fourth, the bank has the rules of the bank, and most of the money borrowed by the bank is actually the money of our bank, and some of it is even the money of the court. Therefore, each loan we have to be mortgaged, otherwise there is no way to borrow it!" Zhu Xueqing also explained.

"Uncle Fourth, Xue Qing is talking about the truth in this matter. In fact, let alone you, even if the court wants to borrow from a bank, it needs to provide corresponding mortgage. After all, the loan is always risky and must have a certain guarantee." Li Jie also interrupted at this time.

"Then you think I have anything to mortgage? Anyway, you all know my family's background!" Zhu Di said helplessly. It was his first time dealing with the bank, so he had no idea how to mortgage it.

"This is easy to deal with. Banks need a variety of mortgages, usually land, real estate, workshops and other physical items. However, you are the fourth uncle, and you can be mortgaged even more than anything else. For example, you can use taxes from a certain place as collateral." Li Jie said again with a smile.
Chapter completed!
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