Chapter 1477: Two hard-working brothers, Cheng Chumo overturned!

"Shanchang, now that Confucianism is in power, it is really difficult for the

students of engineering to get ahead, but I am willing to help my husband!"

In the Yanhuang Bank, after listening to Li Zexuan's words, Li Ke was silent

for a long time and spoke.

"Oh? Xiao Ke, how are you going to help me?"

Upon hearing this, Li Zexuan asked with a smile on his face.

Li Ke pursed his lips and said: "In a few years, Ke will go to Shu to take up

his post. The land of Bashu has been isolated from the Central Plains for many

years, and the conditions are very backward. It is in need of major

construction to improve the living environment of the people. If there are

students in the academy who are willing to become officials in Shu, they will

be happy to accept it! I believe that with the abilities of our students in

the academy, there is absolutely no problem in benefiting the people~!"

Li Zexuan glanced at Li Ke and smiled: "Haha! Xiaoke, you saw Ke Shiqing's

good deeds in Shu area benefiting the people's livelihood, so you want to

recruit more college students to Bashu to help you manage the fief. ?"

Regardless of Li Ke's high-sounding words, it seems to be helping Li Zexuan to

share his worries, but in fact, Li Ke's move is to grab talent from Li Zexuan!

But even if Li Zexuan knew Li Ke’s true intentions in his heart, he didn’t

mean to be angry, because in the future where the students of the academy

would go to develop, this is the freedom of others, and he can’t control it at

all. Li Ke is capable of attracting these talents. In the land of Shu, it can

only be said that the personality is very charming, Li Zexuan will not be

angry about it!

When Li Zexuan's thoughts were broken, Li Ke was a little embarrassed on his

face. He coughed dryly and said, "Ahem! Nothing can be hidden from Shan

Chang's eyes! In fact, what he thinks is that the land of the Central Plains

is deeply influenced by Confucian culture. Even with outstanding achievements,

it is difficult to compete with Confucianism that has been passed down for

hundreds of thousands of years.

The land of Bashu is not painful. It has been isolated from the Central Plains

since the Qin and Han dynasties, and has been less influenced by Confucianism.

As long as you can bring the students of the academy and turn the land of Shu

into a prosperous place there, engineering can be Have a firm foothold over

there, maybe Ke will open a school similar to Yanhuang Academy there, I hope

you can agree with Shan Chang! "

Li Zexuan couldn't help smiling and said, "Xiao Ke, you are helping to learn

about engineering. Why do you disagree as a teacher~?"

After a pause, he continued: "As you said, the current Datang of Engineering

will indeed encounter a lot of resistance, but I don't think these resistances

are a problem. When more and more people realize that engineering can change

the world, They will gradually accept engineering. Of course, if you want to

develop engineering in Shu, it might not be a feasible way. This is also more

blooming!"

Li Ke handed his hand: "Mr. is right! Then Ke will work with him in the future

to promote engineering!"

In the past, Li Ke was repulsive to the Shu area. After all, he had lived in

Chang'an City when he was a child. If he was asked to go to the Shu area

thousands of miles away, he would inevitably develop some resistance in his

heart.

However, after just having a conversation with Li Zexuan, Li Ke even faintly

hoped that he would arrive in Shu as soon as possible, because leaving

Chang'an means that the fish will enter the sea. Then he can be like his idol

Li Zexuan. The fief has vigorously developed engineering and benefited the

common people!

He is looking forward to the land of Bashu becoming a real paradise on earth

under his transformation!

Li Zexuan nodded, and just about to get up and leave, he suddenly remembered

something and said to Li Ke: "Xiao Ke, I just saw that the account book says

that Yanhuang Bank's monthly income is more than 30,000?"

Hearing Li Zexuan suddenly asked about this, Li Ke was a little unsure, so he

paused for a moment, nodded and replied:

"It's true! In recent months, the number of merchants in Lantian County has

skyrocketed, and countless shops have sprung up in the city. Those merchants

who open shops and purchase goods will inevitably encounter financial

constraints, so they come to Yanhuang Bank. More and more people are borrowing

money, and the more money we get! But if this is a bank in other places, it

may not be able to make so much money!

But more people borrowing money may not be a good thing! After all, the money

in our bank is limited. Every month, there will be a shortage of money in the

bank. Many businessmen who want to borrow money are unable to borrow, so they

can only borrow money from large households who specialize in putting money

and earning interest. Moreover, the number of Tang Yuan issued is closely

related to the total wealth currently owned by Datang. It is impossible for us

to rashly print more Tang Yuan, so we can only watch some merchants being

exploited by those big ones. ! "

Li Zexuan knew that what Li Ke was talking about was the truth. After all, in

Datang today, Chang'an City and Lantian County are the only places with the

most prosperous business, but Lantian County is the only place with the

fastest growth in business scale!

The expansion of business requires a lot of working capital, and the bank is a

place to provide working capital for business people!

At present, the capital in the bank is mainly based on the investment of the

shareholders of the bank in the early period and the operating profit of the

bank in the later period. The profit source of the bank is based on the

handling fee when the people exchange copper coins for Tang yuan, and the

second is to rely on the merchants. Let us make money!

After a moment of silence, Li Zexuan said: "Xiao Ke, you must know how to be

flexible when dealing with people. Since the bank will encounter a money

shortage at the end of each month, then we will find a way to absorb more

funds!"

Li Ke frowned and asked, "Shanchang, where should we go to find sources of

funds?"

Li Zexuan smiled slightly and said, "Of course it's the folks! Before, Xiaoke,

you could think of lending to merchants to generate income for the money

houses, but now why can't you think of using small profits to attract the

people to save their surplus money in the money houses?

You can post a notice to inform the people in Lantian County that as long as

the copper money is deposited in Yanhuang Bank, we will not only ask them to

collect copper money for the Tang Yuan handling fee, but also give them a

certain amount of interest. This interest includes current interest and fixed

interest. The current does not stipulate the deposit period. If the common

people want to use the money, they can get it at the bank at any time, while

the fixed period cannot withdraw the money before the agreed period!

Therefore, correspondingly, the regular interest rate is higher than the

current interest rate. People who have surplus money in their homes can

deposit the surplus money in Yanhuang Bank. This will not only ensure the

safety of their property, but also earn extra interest money. I think there

should be a lot The people are willing to come to the bank to save money~! "

Li Ke's eyes widened when he heard the words and his face was inconceivable.

At this moment, his head was stunned. After a while, Li Ke finally recovered.

He swallowed and asked:

"Shanchang, if you really send out this notice, you can guarantee that the

threshold of our bank will be crossed by the crowds! Are you sure we won't

lose money like this?"

Losing money? If the banker would lose money, then there would be no money-

making business in this world!

Li Zexuan whispered to himself, and then smiled: "It depends on Xiaoke's

method of not losing money! I just introduced you a way to solve the problem,

and there are many possibilities in this method. Operation space, such as

deposit interest rate!

When the bank is short of money, you can slightly increase the interest rate

to increase the enthusiasm of the people to save money. When the bank is not

so short of money, you can appropriately lower the interest rate to reduce the

cost of the bank to absorb deposits!

There is a degree in between. You need to consider and balance various factors

together! As for your worry that the bank will lose money, this worry is

completely unnecessary, because the interest rate of the bank will always be

higher than the interest rate of the deposit!

In addition, this money can only create more value if it flows! If everyone

bury the money in their own homes, then the consistent money can always be the

consistent money, but if the money is stored in the bank, and the bank uses

the money to expand the business scale, then the consistent money will easily

become two. Punch money, even more!

So I told you earlier that the knowledge in this bank is great! Using money to

produce more money is the fundamental goal of the existence of the bank! "

After carefully pondering Li Zexuan's words in his heart, Li Ke couldn't help

but sigh with convincingly: "Listening to the words of the mountain leader is

better than reading ten years. The knowledge contained in this economic way is

truly mysterious! Thank you Shan Chang today! The teaching!"

Li Zexuan waved his hand and said, "In fact, Xiaoke, you have done a good job!

Looking back when everything is stable here, I hope you can return to the

headquarters of the Yanhuang Bank of Chang'an City and take on more

responsibilities. Our Yanhuang Bank It can be regarded as hanging under the

name of the Ministry of Households, but most of the officials of the Ministry

of Households are outdated and expect them to be in charge of the bank. I am

afraid that the bank will not be able to operate in half a year! Therefore,

the important task of carrying forward the bank has to fall on On you!"

There was nothing wrong with these words on the surface, but Li Ke always felt

that it sounded a little weird. After a moment of silence, he frowned and

asked, "Shanchang, what about you? Are you going to leave the bank alone?"

At this moment, he finally realized that something was wrong, that is, Li

Zexuan said too much today, and he just wanted to instill all the knowledge in

his mind into him. Li Ke suddenly had a bad feeling in his heart. Also

suddenly became nervous!

Li Zexuan was silent for a while, and sighed: "There are more important things

to do as a teacher! But if the bank encounters any problems in the future, you

can still come to me, Xiao Ke!"

Li Ke did not ask Li Zexuan what was more important, because he understood

that if Li Zexuan wanted to say, he would just tell him directly. Since he

didn't say it, it proved that Li Zexuan didn't want to say it, and Li Ke would

naturally not force it!

"Haha! Stop talking about this!"

Seeing that the atmosphere was a little stagnant, Li Zexuan laughed, broke the

silence, and said, "The reform measures of the bank that I told you before

must be tested in Lantian County because the demand for money is large enough.

In addition, the bank Not only can you lend money to merchants, but you can

also lend money to people!

Now that the people in Lantian County have a better life, some savvy people

will want to make a living. The bank can lower the interest rate a little bit,

lend them some money, and let them create more wealth! "

Li Ke wondered: "Businessmen can borrow money from shops as collateral, but

what can people borrow as collateral?"

Li Zexuan thought for a while and said, "You can get the land deed! But when

the loan amount is small, you don't need to mortgage it! They are all folks

from the same county, even if they want to take the money and go far away,

they can't go far!"

Most people in ancient times were more honest, small peasants were more

serious and conservative in their thinking. They didn't like to owe money to

others. If they owe money, they would pay it back as soon as they got rich. If

they delayed for a day, they would feel trouble sleeping and eating. !

Therefore, Li Zexuan is not so worried that the people who borrowed money will

fall behind afterwards!

Li Ke nodded, and said: "What the chieftain said is reasonable! If the people

of Lantian County need it, the bank will definitely lend them money!"

................................

After coming out of the bank, Li Zexuan went straight home. It was not too

early at first, and it was time to go home for dinner. Secondly, he would go

to the Xuanjia Army Camp in a while. If I didn't go, I had to spend a good

life with my family!

He went home comfortably to be with his family, but some people felt

uncomfortable. One was Li Tai and the other was Cheng Chumo!

Around noon, Li Tai came to the workshop to find Mo Lingwei to learn

technology. Mo Lingwei used the "crawling" teaching method to instill all the

principles of the workshop's latest products, such as DC motors, batteries,

and diodes. Thai.

Li Tai was busy wandering around the workshops in the workshop, just to

thoroughly understand the content that Mo Lingwei explained to her, and this

work went straight to the evening!

Poor King Wei, who actually had to work overtime in the workshop at night, if

this is said, no one will believe it!

Now he and Li Ke are completely difficult brothers and sisters, one is

fighting hard in the bank, and the other is working hard in the workshop to

study new technology!

However, despite the hard work, these two brothers are very happy!

"Hey! This electric bike is really exciting to ride! It's much faster than

riding a horse! No way! I can't return it to Xiaoxuan so

quickly~www.mtlnovel.com~ I have to ride for two more days!"

In the evening, Cheng Chumo rode a bicycle borrowed from Li Zexuan, like a

windy year, attracting the attention of all passers-by, this guy couldn't help

muttering to himself.

"Nose...nose grass! Good...so majestic!"

At this moment, Cheng Chumo saw a woman on the opposite side riding a bicycle.

Of course, this was not the point. The point was that the woman was

particularly spectacular somewhere. With the bumps of the bicycle on the road,

Cheng Chumo's eyes straightened!

"Bang~!"

As the saying goes, happiness leads to sorrow. All happiness is destined to

pay a price. No, Cheng Chumo patronizes to see beautiful women, but forgets to

look at the road. With a "bang", people and cars hit the roadside and just got

up. Not long on the telephone pole!

"Oh~~! Help...Help!"

Soon, Cheng Chumo's painful howl came from under the telephone pole. That

sound was so terrible!

...............