Chapter 971

When a group of bruised dandies appeared in front of Merton, Merton couldn't help laughing bitterly and said, "I'm sorry, brothers!"

"What's this little injury for my brother?" Li Zhen was very righteous. The green and red on his face destroyed the atmosphere.

"Brother Mo, this is the payment for this time. Unfortunately, brother Mo has given us a way to make money, but we are sorry for brother Mo, and I'm afraid we can't cooperate in the future!" Liu rensolid said reluctantly.

A business trip has made thousands of profits at once, and it is legitimate. For many dandies, it's a pity that they only make it once, and there will be no next time. How can they be happy.

"Hateful, five surnames and seven hopes are so overbearing that they stabbed my father directly and hurt me for nothing." Liu Renshi said angrily.

The other dandies nodded one after another, with a look of indignation. It can be said that they were gnashing their teeth at the five surnames and seven hopes.

"Brother Mo, I'm sorry!" the dandies said shamefully.

Merton shook his head and said, "where is it? Mo has implicated you. Mo has written down this favor!"

The dandies couldn't help but rejoice. The reason why they came to Merton to sell miserably was to let Merton recognize the favor. The so-called skinny camel is bigger than a horse, and a leak in the hands of the Mohists is enough for them.

Moreover, the news of the dandies is quite well-informed. Naturally, they also know the purpose of the five hopes and seven surnames. If the Mohist son is willing to bow his head, the current dilemma will disappear immediately.

Even if there is Princess Changle, the Mexican family will not lose power in the end, which is why they are willing to make friends with the Mexican family.

"Then I won't disturb you!" Liu Renshi said goodbye. Naturally, they knew that the Mohists were in a mess at the moment and bowed their hands to leave one after another.

"I'm sorry to bother you. A little gratitude is no respect!" Morton arched his hand.

"No! No!" all the dandies waved their hands again and again with a rich and powerful appearance, and looked particularly strange with a black and blue face.

However, when they saw rows of brand-new bicycles in the courtyard, their eyes suddenly straightened.

"This is a bicycle comparable to a wooden ox and a horse!" a group of dandies exclaimed one after another.

Although they were beaten, their share of income did not decrease. In addition, they did not help mojiazi break the game. Naturally, they were unwilling to accept more thank-you gifts. However, the bicycle in front of them was different. When Qin Huaiyu and his three people rode bicycles to show off to them, they had long been itching. How can they bear to own a bicycle at the moment.

"Thank you, brother Mo!" a group of dandies said happily. At present, everyone loves a bicycle. Some push with both hands, and Li Zhen and others pull the ground with their feet and slide out of the Mo house.

Merton sighed as he watched the dandies leave. Sure enough, every fool of these emerging aristocratic families called him, not only to five surnames and seven looks, but also to him.

In this way, we can not only share many benefits from the five surnames and seven hopes, but also offend the Mexican family. It can be said that both sides please.

Merton has long been prepared for the neutrality of Chang'an giants, and these emerging giants have helped the Mohists once, and Merton has nothing to say.

"Boss, what should I do now?" Xu Jie quietly appeared behind Merton.

Merton picked up a kind of silver note sent by the dandy and sneered, "with these silver notes, the crisis of the Mojia village bank can be alleviated. The war between us and the aristocratic family with Wuwang and Qixing has just begun."

Xu Jie nodded. Since Wuwang Qiwang besieged Mohism, the Bank of Mohism village has been the most affected. Since Mohism offended Wuwang Qiwang, merchants with Wuwang Qiwang have withdrawn their deposits in Mohism village, and even the bill business has changed to the bank run by Ziqian.

Fortunately, Merton was ready and tightened money immediately. In addition, with the great cause of the Mojia village, it was able to cope with the rush of runs. With this batch of loans, the Mojia village bank must be able to hold on for another period of time.

However, what Merton didn't expect was that only two days later, there was bad news that there was a large-scale run on mojiacun bank.

"I want to withdraw money!"

"I want to change the silver note into cash."

"That's my hard-earned money!"

……………………………………

In Dongshi, merchants poured into the Mojia village bank in Dongshi and shouted one after another.

"You should consider clearly that if you withdraw your deposit now, you will lose a lot of interest, which is a big loss!" a Mohist child shouted.

"As long as our capital comes back, what is the loss of some interest? Who knows when Mojia village will close down, and we will be in trouble when we lose our money." someone in the crowd who took the money shouted.

"Don't listen to the rumor. The Mohist village has a great cause and 300000 Guan deposited in the imperial palace as security. How can it go bankrupt!" the Mohist children quickly refuted the rumor.

"It's futile for you to offend the five surnames and seven hopes of the great cause of the Mohist village!" the crowd disapproved. On one side, there are the five surnames and seven hopes that have occupied the top of the Chinese pyramid for thousands of years. One is the newly revived Mohist. The world doesn't have to think about who has great power. If the five surnames and seven hopes are combined, even the emperor should avoid three points. The odds of the Mohist son's victory are too small.

Shen Hongcai looked at the scene with an embarrassed face. When the run was about to begin, he found that he still underestimated people's hearts. I'm afraid the safe margin he had calculated could not last long.

"Boss!" Shen Hongcai came to the carriage across the street with a dignified face. The curtain of the carriage opened and revealed Merton's face.

"How long can Mojia village bank last?" Merton asked calmly.

Shen Hongcai said with a heavy face: "we have already predicted this. We have already transferred a large number of cash from Mojia village. However, on this scale, if it continues to deteriorate, we can last up to five days."

"Five days!" Merton could not help a silence.

Shen Hongcai couldn't help explaining: "the Mojia village bank itself is profitable. Now the only gap is that the money lent out can't be recovered in a short time. This is the current situation."

"In your opinion, how should it be resolved?" Merton asked.

Shen Hongcai solemnly said: "in this case, the bank has also had a rehearsal. There are two ways to solve it. One is to collect the loans from the workshops. As long as the money lent by the bank is collected, the current dilemma will be solved."

Merton shook his head and said, "these workshops borrowed money from Mojia village because of the shortage of funds, and most of them have been used. I'm afraid they can't recover much even at the moment."

"Then there is only the second way, that is to raise interest to retain depositors!" Shen Hongcai solemnly said. Only if the interest is enough, even if there is a risk, someone will be willing to do it. This can be a reason for printing money.

"It's just drinking poison to quench thirst." Merton shook his head. If he pays too high interest, he can retain depositors. It's definitely just high interest. I'm afraid it will bring down the Mojia village.

"What does the owner mean?" Shen Hongcai asked.

"Collect the loan from the workshop as usual. If you are willing to repay it in advance, you can appropriately reduce or reduce some interest. If you don't have money, you don't have to force it." Merton said. If you can recover more money, Merton will not be hypocritical.

Shen Hongcai nodded and kept the matter in mind.

"As for the deposit interest, it really needs to be adjusted?" Merton frowned at the crowded crowd eager to withdraw money.

"The owner thinks it's appropriate to raise it." Shen Hongcai asked.

Merton shook his head and said, "it's not raising the interest rate, but reducing the interest rate. Don't you think the interest rate on this deposit is too high?"

"Cut interest rates?" Shen Hongcai couldn't help opening his eyes and couldn't believe looking at Merton.

Merton nodded and said, "yes, from now on, the current deposit will be set at 30 cents. The one-year interest rate is 1.5%, the two-year interest rate is 2%, the three-year interest rate is 3.5%, and the four-year interest rate is the same as the five-year interest rate."

"So low?" Shen Hongcai frowned. The current deposit was 30 cents, and the interest for three or five months was almost negligible,

Other annual interest rates are reduced a lot. Even the four-year interest rate and five-year interest rate with the highest interest rate are directly the same as the three-year interest rate. In this way, the income from saving money is much less.

Merton sneered: "it's OK to want a high interest rate. The four-year interest rate and the five-year interest rate can be the same up to 5%, but there is an agreement that you can't withdraw before time, and you can't withdraw in advance."

Shen Hongcai understood Merton's plan. Then he gritted his teeth and said, "then do as the boss said."

Soon, Mojia Village Bank launched a new announcement, which immediately caused an uproar among people who came to withdraw money.

"Cut interest rates!"

No one thought that the mojiazi suddenly cut interest rates when the Mojia village needed money most.

"What about our previous passbook?" a depositor asked loudly.

Shen Hongcai said loudly, "the previous passbook was calculated according to the agreed interest rate. From now on, all deposits will be settled at the new interest rate."

"Mojiazi is crazy. He doesn't want to raise interest rates and let us save money. How can he reduce interest rates." so many people came to run. In addition to being afraid of the collapse of mojiacun bank, more people think that even if they lose a little interest at present, they can force mojiazi to absorb savings at high interest rates. At that time, they can make more money.

But who knows that the Mohists did the opposite, not only did not raise interest rates, but cut interest rates, and the drop was nearly half, which made all their small abacus fail.

"What should we do? We have already lost a lot when we withdraw money now, and there will be no such high interest when we save money in the future." a citizen exclaimed.

"It seems that we have really hurt mojiazi's heart. Originally, mojiazi only needed to borrow 100000 yuan. However, seeing that we are saving more and more money, even if the interest is very high, we still collect all the money according to the order. But we take advantage of the time when mojiazi needs money most." a merchant looked up and sighed.

"Isn't he afraid that we will all take out the money and let the bank close down?" said an old landlord.

The merchant on one side said sarcastically, "what are you doing now? Come out and watch the excitement! Besides, who says that the Mexican family will lose, but the Mexican family who creates miracles has never lost."

"Yes, besides, there are 300000 guans in the Imperial Palace, plus the wealth of Mojia village..." the more they say, the more hesitant they are, they feel that if they withdraw money now, they will lose too much, and there will be no such high interest in the future.

Many people have retreated one after another. The reputation of Mozi not being defeated, coupled with the strong backing of Mozi village, has given many people a little more confidence in Mozi. Coupled with their psychology of losing money, they have chosen to wait and see.

Looking at the greatly reduced run team, Shen Hongcai couldn't help opening his eyes. No one thought that the problem that gave him a headache was solved by Merton in a seemingly incredible way.