第113章 良性竞争(2 / 2)

‘咚...’

刘孔昭大力的拍在桌子上,然后怒道:“这还不是恶意?一分利,这么算下去,老子得损失多少?”

管家低身道:“伯爷,现在城中得知消息的人,不管城内城外,都纷纷去了大明银行借贷,生意好的火爆,特别是前些天刚刚在咱们来询问借贷的商人,全部去了大明银行。”

“陈操啊陈操,你他//娘的果真好手段。”刘孔昭吃人的心都有了,思来想去之后,便吩咐道:“找些当地的青皮去给我借贷,若是不给,就臭他们。”

管家脸色难看,刘孔昭瞪眼:“怎么,你是不是吃饱了想休息?”

管家赶忙摇手:“伯爷不知,小人得知之后便与各个掌柜商议了一番,便想到了此法,但找遍了金陵城中大小帮派和街边青皮,一个个都不敢接这个生意。”

“什么?”刘孔昭站起身,眉头紧皱:“那就去南直隶附近找。”

“找了...”管家又道。

“找了?”刘孔昭走到管家面前抓住了他的衣领:“怎么说的?”

“就近的帮派和青皮都不敢接生意,小人多番打听才得知,原来在那大明银行刚刚开业前几天他们才被锦衣卫从南镇抚司放出来。”管家哭丧着脸。

刘孔昭一下便泄了气,如此已经明显的得出陈操早已经是有备而来,但自己家那么多生意不可能就这么没了,于是恶狠狠的道:“让各个掌柜派手下人,清白的,有田产地产的,全部去给借他们的钱,借到他们垮掉为止。还有,让人去松江府一带较远的地方找人,全部来借钱,出了事本伯担着。”

“是...”

业务开展的第三天,大明银行排队的人数是有增无减。

陈操面带微笑的走进会客厅,看着前来通报各个掌柜,然后听着沈庄玲的汇报。

“怎么样,已经贷了多少钱出去?”陈操笑问道。

沈庄玲将账本递上去:“截止昨日,已经贷出去了一百万两整,商人借贷在七十万两,百姓借贷三十万两,按照伯爷的统筹,咱们给商人设立了短期的商业贷,那样下来他们回本快,咱们回本也快,妾算了一下,除却部分商人选择了年限贷之外,大部分都是短期贷,这七十万两银子,咱们在一年之内可以赚回二十万两,甚至还要多一点。”

“嗯,针对商人的利息可是低于三分?”陈操又问。

沈庄玲点头:“除却部分商人是整三分之外,剩下的都是低于三分。”

“干的不错,可有闹事的来?”

赵信便上前道:“伯爷,据报,刘孔昭派人去了南直隶州府找人接生意来恶意贷款,然后没人接,他们便让手下的人来贷款。”

“哈哈哈...”陈操抬头大笑:“刘孔昭当真傻,他难道不知道背后有魏国公这些人在?蠢货啊...且看他张狂,让他贷,随意贷,他的钱庄我还是比较中意的。”说着陈操便邪魅的笑起来。

...

“什么?以贷还贷?”刘孔昭站起身。

管家点头:“他们搞出了一个新的项目,听说暂时只针对商人,昨日金陵布行的人拿了七千两来提前还钱,小人便问他,原来他是从大明银行以贷还贷,给他的利息不过两分四厘。”

“可恶,你就给他们结清了?”刘孔昭问。

管家点头:“伯爷,咱们钱庄也是有名的钱庄,是做生意的,别人来还钱,咱们若是一定要他们到期再还,那不就砸了自己家的招牌吗?”

刘孔昭这才反应过来:“你的意思,他们欠了咱们家的钱,然后去借了他们的钱先来还咱们的钱,咱们利息高,他们利息低,算下来,他们赚了?”

管家表情难看:“就是这样,仔细算下来,那些个商人可以在周转期间节约大笔银子,所以他们纷纷借钱先来还咱们的钱,然后再慢慢还大明银行的钱。”

“呼...”刘孔昭长出一口气,良久才阴沉着脸道:“这就是你所谓的良性竞争?不产生冲突?备车,本伯要出去一趟。”

“是...”

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