After leaving the Equipment Hall, the next thing he had to do was look for a bank. Obviously, Zhu Jiao had experiences with the bank but not in this world, entering the bank he noticed the lack of ATMs, Deposit machines, there were no pushy salespeople at all and the whole bank was quiet.
Walking over to the counter, he looked at the entire situation in the bank. The whole bank was quiet, hardly a single soul around. No one made any transaction, the one teller wasn't even doing her job properly.
Stepping to the counter he waited for the teller to greet him, but to no avail so he had to make the first move.
"Ahem, I would like to deposit this cheque."
The teller took the cheque from his hand lazily and took a look at the amount, immediately frightening her off the chair before she apologized to him and made him wait while she dashed off to find her boss.
"Sir, there's a big customer at the front… He wants to deposit 10 million gold."
"10 Million gold!? That's ridiculous, bring him in, and serve him tea. Other than the major businesses almost no one would have that much gold."
Rushing back out to the front of the house, the teller pulled Zhu Jiao into a room where they served him the best tea. He waited for a few moments before the boss of the bank showed up.
"Hello sir, I'm the boss of this bank, Zhuan Da Qian, I hear you want to make a deposit. Because it is a big sum of gold, we are willing to offer you better rates!"
Zhu Jiao smiled as he looked at Zhuan Da Qian.
"How much better are we talking about?"
Zhuan Da Qian hesitantly smiled and replied,
"We… Usually, it's 3% but for your case, 2%" Zhuan Da Qian gave him a figure.
"Wait whut!?"
"Is 2% still too much? 1.5% is the max we can offer… the other banks are the same…" Zhuan Da Qian stared at Zhu Jiao resolutely.
"Wait… you're charging me to put money in your bank? You're not offering me interest?" Zhu Jiao raised his eyebrows as he looked on in confusion.
"Interest…. What's interest...?"
Zhu Jiao held his nose bridge, he felt the ensuing headache that was coming to plague him, he shook his head and looked at Zhuan Da Qian, and started to scold him.
"Can you still be called Zhuan Da Qian? It seems like you can't even earn small money. What is this rubbish with service fees?"
Zhuan Da Qian was taken aback, but with 10 million gold coins, he was indeed a big customer and the customer is always right. Still, Zhuan Da Qian had a huge fire in his stomach that cannot be quenched.
"This Young master, I don't know if you know how the world works, but no businesses will survive out of good will, if I don't charge service fees how will the business survive? I don't need to pay for rent? How about my employees?"
Zhu Jiao walked over to Zhuan Da Qian and motioned for him to look directly into his eyes.
"What if I told you I have a way to make everyone, including normal people, even the everyday joes who go shopping at the market. The uncle at the market selling pork and even the auntie that is cleaning your house put money into your bank."
"I'd say it's bullshit, the cost of transacting a small amount is really troublesome and the people are already earning so little, do you think they would pay money to keep it in the bank?"
Zhuan Da Qian shook his head as he outright rejected the proposal.
"What if you gave them 1% instead? What if instead of collecting money from them, you give them money to put their money in the bank."
"HAHAHAHA" Zhuan Da Qian started to laugh loudly. "Kid, if you offer money to them, of course, everyone will fight to put money in the bank, but then who will pay them the money? We'll bleed to death if we stay open."
"Let's make a deal, just you and me. Let me have a part in your bank. I will directly put the 10 million gold as funds to be part of your bank. How does that sound? All you have to do is follow my course of action and listen closely. If you follow my method, I'm very sure that your bank… no our bank will be the top in this industry."
Zhuan Da Qian sighed as he looked at Zhu Jiao, tell me your plan, if this old man can see the merit in your plan I'll accept your deal.
Looking at the beans on the table, Zhu Jiao picked up the entire bowl and poured it out on the table. He swept everything aside and looked at Zhuan Da Qian before beckoning the teller at the side to come closer.
He motioned to the center of the table and took a bunch of beans and piled it together in the middle.
"Look, this is the bank."
Splitting 1 portion of beans he pulled it towards the teller and looked at her.
"The beans in your hands represent money. If you hold on to the beans, nothing happens but if you put it with the bank I will give you 1% each year. This means for every 100 beans you will get an extra bean. Isn't that good? Are you willing to put your money in the bank?"
Excitedly the teller nodded and passed all the beans to Zhu Jiao. Zhu Jiao looked at Zhuan Da Qian and shook his head.
"looking at your face and your sunken cheeks. I can tell that you are entering tough times, don't worry, whatever amount you need you can lend it to me, however, you should sign an IOU, to make sure that if you cannot repay the amount back you can put something up as collateral. The interest will be 6% and you can return the money to us slowly."
Zhu Jiao smiled while looking at Zhuan Da Qian.
"If you're in need will you accept it?"
Zhu Jiao prompted Zhuan Da Qian as he looked at the beans.