Chapter 853 Do you think you are Marshal Ye?
Facing Ye Kui's admonition, Ye Mingsheng directly ordered:

“It’s better to do it today than to wait for a day, so today is the day…”

Ye Kui wanted to say something when he heard Ye Mingsheng's unquestionable gaze. Seeing that the words were already on the tip of his tongue, Ye Kui could only swallow them. Although he could not stop Ye Mingsheng, for Ye Mingsheng's safety, Ye Kui also gave a look to his subordinate beside him.

The guard immediately understood Ye Kui's look and walked out of the teahouse, ready to take his men to the vicinity of Da Xinchang to make some arrangements.

After Ye Kui paid the bill, Ye Mingsheng left Chen's Teahouse. This time he came to Chen's Teahouse to relax and cultivate himself, but Ye Mingsheng also missed Chen Xiangling, the quirky little girl, and the dishes she cooked. Unfortunately, Xiangling was busy at the restaurant today.

Ye Mingsheng got on the carriage, and the group drove towards Xingsheng Street where Daxinchang was located.

After taking over Yijing, Ye Mingsheng discovered that although Yijing had many shops, it lacked a commercial center.

Ye Mingsheng planned to make Yijing the capital of his new dynasty in the future, so in order to promote economic ties between regions, better promote production, promote commodity exchange, and drive employment, Ye Mingsheng presided over the construction of Xingsheng Street and allowed many large businesses to settle in Xingsheng Street.

Today, this prosperous street has become the most prosperous area in Yijing. The annual transaction volume of the shops on this street is as high as 300,000 taels of silver, and it provides tens of thousands of taels of silver in taxes to the Fengwu Army...
"Newspapers for sale! Newspapers for sale! Three copies of Yijing Morning Post!"

"The 71st chapter of Wulin Qunxia Zhuan has been updated! Come and have a look!"

"The latest issue of Dalin Daily today!"

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Hearing the tender voice of a child selling newspapers, Ye Mingsheng knew that he had arrived at Xingsheng Street. He immediately opened the car window curtains and looked at the scenery on both sides of the road. Although it was the ninth day of the first lunar month, it was still the first lunar month as it had not yet passed the fifteenth day. Therefore, all the shops were still hanging big red lanterns, which looked very festive and lively.

Because Xingsheng Street is the most prosperous area in Yijing and also the area with the highest consumption level, the pace of life here is relatively fast. Although most of the pedestrians on both sides of the road are well-dressed, they are generally in a hurry.

Just as Ye Mingsheng was looking at the situation on the street with great interest, the carriage slowly stopped and Ye Kui reminded him softly:

"Sir, we have arrived at Daxinchang Bank!"

Upon hearing this, Ye Mingsheng also got off the carriage and looked towards the shop in front of him. The Liu family, the owner of Daxinchang, was considered wealthy in Youyan, but Xingsheng Street was already the most prosperous area, and every inch of land was worth a lot of money, so the storefront of Daxinchang here was not too big.

A chubby apprentice in the bank was also a smart guy. When he saw Ye Mingsheng dressed respectably and had an extraordinary demeanor, and came in a carriage with guards following him, he immediately determined that Ye Mingsheng was a big customer. A smile immediately appeared on his chubby face, and he came over and bowed, saying:
“Happy New Year, sir. I, Zhang Erqing, an apprentice of Daxinchang, wish you a happy new year…”

Seeing the little fat boy smiling, Ye Mingsheng felt very happy. He was in a good mood and said casually:
"reward!"

Hearing Ye Mingsheng's words, Ye Kui immediately took out a tael of silver from his pocket and threw it over. Zhang Erqing subconsciously stretched out his hand and saw that there was a bucket of silver in his hand. The fat man was shocked at first, and then he became ecstatic, and immediately thanked Ye Mingsheng profusely.

For apprentices like them, the company did not pay them wages at all, but only provided them with two meals a day. Therefore, this one or two taels of silver was definitely a huge sum of money for Zhang Erqing.

Zhang Erqing, who received the reward money, was now certain that the gentleman in front of him was definitely a rare and important customer. He spoke more respectfully and his attitude became more enthusiastic.

"Sir, I wonder what business you are here for at our Daxinchang Bank?"

"Our Daxinchang Bank is a formal bank with a license issued by Marshal Ye. Our reputation has always been very guaranteed. We have six branches throughout Youyan. It is very convenient to use our Daxinchang banknotes in Youyan, which can save you a lot of trouble!"

Listening to Zhang Erqing's introduction, Ye Mingsheng said calmly:
"I heard that your company, Daxinchang, recently opened a new savings business. What's that about?"

Seeing Ye Mingsheng asking this, Zhang Erqing spoke without hesitation:
"Sir, you have asked the right person. This savings business is a new business that was approved by Marshal Ye for Daxinchang to open..."

"The savings business is actually that you deposit your money in our Daxinchang Bank. In the past, when you deposited money in the bank, you had to pay us a 10% handling fee. But now, not only do we not charge any handling fees, we also give you interest for a year!"

As he spoke, Zhang Erqing took a flyer from the counter and handed it to Ye Mingsheng.
"Here are the specific details about the interest. Please take a look at it!"

After saying this, Zhang Erqing seemed to remember something and said:
"Our chief shopkeeper said that if you can deposit 1,000 taels of silver into the account at once, the interest rate can be negotiated!"

Looking at the introduction on the flyer, Ye Mingsheng was a little surprised. The interest rate offered by Daxinchang was really high!

The interest rate for a one-year fixed deposit is 2%, for a three-year fixed deposit it is 7%, and for a five-year fixed deposit it is 12%.

The interest rate for a one-year irregular deposit is 1%, the interest rate for a three-year irregular deposit is 3%, and the interest rate for a five-year irregular deposit is 5%.

Because this policy was designed and implemented by Ye Mingsheng himself, Ye Mingsheng was very clear that in his design most of these savings would be used to purchase government bonds, but the interest rates on these bonds were not high, basically the same as the interest rates currently offered by Daxinchang.

If Daxinchang really offered such a high interest rate, it would mean that their own profits would be almost negligible, and they might even lose money after taking into account the operating costs····························

So Ye Mingsheng was a little confused about this. At this moment, a panicked man came in from outside. As soon as he entered the door, he picked up the bill in his hand and said loudly

"Da Xinchang, give me back my silver! My three hundred taels of silver, please return to me quickly!"

Hearing his words, another guy hurried over and said helplessly:
"Manager Sun, didn't I explain this to you?"

"The money you deposited in our Daxinchang is a three-year fixed deposit. You can only withdraw the principal and interest in full after three years!" Faced with the clerk's explanation, the shopkeeper Sun begged:

"I will pay you back the interest, and can you return my three hundred taels of silver to me? My business depends on this money!"

After hearing what Shopkeeper Sun said, the clerk said in great embarrassment:
"Manager Sun, I have already explained it to you clearly at the time. It is also written in the document we signed that you cannot get your principal back within three years. You want it back in less than a month. It is really unreasonable!"

Ye Mingsheng who was standing by could not help but frown when he heard this. He almost understood what happened to Manager Sun. This Manager Sun must have coveted the high interest of Daxinchang Bank and put the money in a fixed deposit for three years. However, his business was in trouble now and he needed money to turn around, so he wanted to take the money back...

Simply put, this matter is a business dispute and has nothing to do with Ye Mingsheng.

However, if Ye Mingsheng remembered correctly, he had anticipated the occurrence of this situation when he was designing this business. After all, no one can predict what will happen in the future. You may have plenty of money now, but one day in the future you may be in urgent need of money.

Therefore, in line with the people-oriented spirit, Ye Mingsheng also set such a rule when designing business rules. If depositors who choose fixed-term deposits want to withdraw the money in advance, the interest will be paid according to the irregular deposits, and no interest will be paid for savings with a deposit period of less than one year.

But now this apprentice of Daxinchang said that fixed deposits cannot be withdrawn in advance, and said that this clause was marked on the receipt. This obviously violated the rules he set. Thinking of this, Ye Mingsheng turned around and said to the shopkeeper Sun:
"Is that a document in your hand?"

Shopkeeper Sun, who was begging his clerk, was a little surprised by Ye Mingsheng's sudden inquiry, but feeling Ye Mingsheng's powerful aura, he couldn't help but say:

"Yes, this is the receipt for my savings!"

Upon hearing this, Ye Mingsheng said:

"Show me the document!"

When Ye Mingsheng said this, everyone in the hall was shocked. Zhang Erqing on the side seemed to want to say something, but before he could speak, he saw Ye Kui's cold eyes and immediately shut his mouth. At the same time, another bodyguard also walked towards the shopkeeper Sun...
Although she didn't know who the man in front of her was, nor what he wanted to do, she could feel Ye Mingsheng's tone that did not brook rejection.

Shopkeeper Sun seemed to realize that the man in front of him, who looked to be in his early thirties, might be an important figure. A hint of expectation immediately emerged in his heart, and he obediently handed the document in his hand to his personal guard.

Taking the document from the guard, Ye Mingsheng saw that it was clearly written in black and white that the money of the fixed deposit could not be withdrawn before the due date. Seeing this, Ye Mingsheng's originally good mood also became a little bad.

At this time, a man who looked like a shopkeeper came out, looked around the lobby, and then bowed to Ye Mingsheng very cautiously and asked:
"I am Tian Shusen, the owner of Daxinchang. May I know who this guest is?"

Seeing that Shopkeeper Tian wanted to find out about his background, Ye Mingsheng was too lazy to deal with him and asked directly:
"You can't withdraw money from your fixed deposit at Daxinchang in advance, right?"

Seeing that the other party ignored his questions, Tian Shusen couldn't help but frowned slightly. Although the other party did not tell him where he came from, but Tian Shusen had been in the business world for many years and had a pair of sharp eyes. He also judged that Ye Mingsheng was definitely rich and noble and not someone who was easy to mess with...
Thinking of this, Tian Shusen immediately bowed to Ye Mingsheng and said politely:
"Sir, our Daxinchang Bank is a reputable bank. You are trusting us by depositing money here. We will explain the rules clearly and write them down in black and white on the receipt. If you want to withdraw money in advance, you can choose to make an irregular deposit. In this way, you can come and withdraw the money whenever you want!"

Although Tian Shusen's words sounded reasonable and seemed to be flawless, Ye Mingsheng ignored him and said indifferently:

"answer my question!"

Feeling Ye Mingsheng's condescending attitude, Tian Shusen felt a little annoyed. He knew that the man in front of him must have a background.

But since Daxinchang Bank can do such business, it must have a backer behind it, so Tian Shusen did not hesitate to meet Ye Mingsheng's gaze and said in a deep voice:

"Although I don't know your name, I advise you not to cause trouble in Daxinchang!"

"The savings business of our Daxinchang Ticket Office was approved by Marshal Ye himself. He attaches great importance to it!"

At the end, Tian Shusen deliberately emphasized his tone, and even bowed towards the direction of Ye Mansion with some excitement······························

Having said that, Tian Shusen thought that the other party would retreat in the face of difficulty. After all, in the territory of the Fengwu Army, the three words "Marshal Ye" were a golden sign. However, what Tian Shusen did not expect was that when he mentioned Marshal Ye, the group of people on the opposite side looked at him as if he were a fool.

Ye Mingsheng shook his head in disappointment, then returned the receipt to Shopkeeper Sun and said calmly:
"Remember to come and collect your principal after seven days, and also get back the interest you paid!"

After saying this, Ye Mingsheng turned around and left with a group of guards. Looking at Ye Mingsheng's departing back, Tian Shusen was so angry that he immediately said:

"Sir, do you think you are Marshal Ye?"

"It's not your turn to make the decisions about our Daxinchang Bank!"

Ye Mingsheng, who was about to leave, stopped immediately after hearing this. He was also so angry at this shopkeeper Tian that he laughed. At this moment, Ye Kui on the side also looked at Ye Mingsheng.

Ye Mingsheng knew what he was thinking, and immediately shook his head at him and continued walking outside.

It only takes him a word to rectify Da Xinchang. There is no need to do it now. He still wants to continue his incognito visits in the future...

(End of this chapter)