“It’s very simple, storage is beneficial, the loan limit is high, as long as the bank survives!”
After Equation finished speaking, he did not explain, but picked up the teacup and looked at the two brothers quietly.
The financial industry is an important means of macro-control. Unfortunately, Kyushu's finance is too low-level. Even the people of the Song Dynasty knew it but didn't know why, let alone the Wu Dynasty.
It's far better to figure it out on your own than to explain it by kneading the equations. If you can't figure it out and break it into pieces, you still don't understand it.
Because this is not just a theory, but involves a mindset.
None of the people from Song Dynasty came around, so the two boys were a bit embarrassed if they wanted to.
"Sir, this is a bit counter-intuitive!" Li Yanting rubbed his head, "But applying the theory of macro income distribution, savings are beneficial because they are given to the people at the bottom, while loans are deductions for specific groups, and the height limit is due to constraints. "
Fang Fang remained silent and turned to look at Li Yannian.
Li Yannian was being stared at, and he himself was staring at the pair of upside-down triangles on the ground. "From this pair of upside-down triangles, it is not difficult to see that there is no equality in the division of labor and distribution. A few people at the top control the majority of the interests. There is still a big difference in equality." Some of the benefits have gone to the private sector!”
“Be prepared to prevent the slightest change and prevent problems before they happen. With a strong sense of worry, people spend less compared to their meager income.
Storage is beneficial. In addition to compensation, you can also concentrate this part of the money. Accumulate a small amount to make a big sum. As long as the reputation does not collapse, the Wu Dynasty can accumulate a large amount of wealth through the bank over the years! "
"I don't know what your husband plans to do with this wealth, but judging from the Song Dynasty family, they obviously stole the money, otherwise their business would not have been able to expand so fast!"
"The high loan limit is not only a deduction for specific groups, but also a means of compensation. The Wu Dynasty is short of money everywhere, the court is short of money, and the people are even more short of money. Just like you, sir, a small businessman with unique technology and business philosophy, among the people It’s not the majority, but it’s definitely not the minority. You can refuse Richang Bank’s invitation because you have all-inclusive considerations, but the remaining small businessmen and hawkers cannot do this. If you have a loan with a high limit, you can make up for the shortfall. , they don’t need to rely on the people of the Song Dynasty, and they don’t need to share the wealth they created with the people of the Song Dynasty!”
The more he talked, the more confident Li Yannian became. All warriors had a dream of making the people rich and the country strong.
Compared with equations that directly provide strategies, blueprints constructed through thinking stimulate more space for thinking.
"In addition, we can also learn from the things and mistakes in the Green Seed Law and the One Whip Law, so that policies that originally required strong measures to be implemented can be implemented through banks in a way that is more acceptable to the market!"
"Very good, based on the distribution theory, it's very good that you can consider these!" The equation continues to act as a guide, "Water flows to lower places, money goes to value-added, and businessmen pursue profits, but most business activities are risky. , no matter how experienced a businessman is, he will only do business that he understands. If he does not have a big background, he will cross other industries. If he crosses other industries, he is courting death. But everything has its extreme, and the same is true for the industry. Compared with ordinary people who actively accumulate money to resist unknown risks, big businessmen are passive. The wealth accumulated is actually more!”
"That's exactly what happened!"
Li Yanting echoed, "The bigger the family, the more wealth they accumulate. Unlike the Song Dynasty, the Wu Dynasty had markets in various countries to develop. The extra money can only be buried in the ground, and there is no place to use it!"
Isn't this the case for the Li family? The land they bought has been exhausted, and the caravan has traveled all over the Wu Dynasty. Under the invisible bottleneck, there are fewer and fewer directions for development, but the money is accumulating more and more.
"This money buried is dead money. It may not belong to you after a long time. If the interest rate difference on savings reaches 10% at this time, do you think someone will take the initiative to dig it out?"
Fang Fang asked, snapping his fingers.
Hearing this, Li Yanting shook his head, "No, 10% is too little. I don't know how much high interest rates there are in the Song Dynasty, but I know that the domestic interest rate difference is less than 16%. No one is willing to lend money and wants to take the initiative to dig for money." Savings, no matter what, it takes 20% to make them excited, and you have to give them a solid foundation!"
The second achievement is twenty points. You can call it high. Compared with the low interest rate in the previous life, it is horribly high. But call it low. It is far from reaching the threshold of high interest.
Li Yannian retorted, "Yanting's consideration is not comprehensive. It is based on the court as the guide to establish a bank. There is no need to worry about credibility. I think that with 10%, it can also attract people. As for using usury, will the money attracted be useful? ? Even if the bank doesn’t make money, it still needs at least a certain amount of profit, otherwise it won’t be able to sustain itself, and if the market is opened again, it will only die faster!”
"That's indeed what happened. Not only that, the storage amount was also limited in the early days. If it exceeds 10,000 taels, there is no need to process it!" Fang Fang added, "Song people's banks, services and merchants, follow the principle of interests, scale, and site For distribution, all you need to do is locate on important trade routes!”
"As for the new banks, in addition to making up for the financial shortcomings of the Wu Dynasty, the more important thing is services and macro distribution. It is meaningless if there are fewer sites, and it is useless if it cannot sink into the county seat. It will take time for the people to accept it, and there is no rush for anything!"
"The time-honored banks of the Song Dynasty have many branches in Tai'an City. If you have time, you can go and observe them. Anyway, they are still here this winter!"
The next step in the equation is the logistics industry. While the profits are good, it can also save a group of people for the equation. Compared with the ancient family's method of arranging private soldiers, the logistics industry inherently requires traveling all over the country. People are scattered in various places, and it is impossible to count them. come out.
Once it's done, you can hide as many people as there are people on the surface.
In this way, the safety of him and his sister can be guaranteed.
As for the banking industry, it was destined to be a battlefield for the giants of the Wu Dynasty to compete for hegemony. There were not many people who were qualified to get involved. They had no idea about this equation, let alone the ability.
Instead of jumping into this vortex, it is better to squat aside and prepare to steal the chicken.
"You really have to be cautious. Businessmen are unjust. If they fail, they will just walk away. But we can't. We can only succeed and not fail in the bank affairs, because once we fail, we will become sinners!" Li Yannian clenched his fists.
It is not difficult to do something badly, but it is really difficult to do something well!
Military people can accept change, but military people will not accept failure. If you fail in other things once, the worst thing will happen again, but if the bank fails, the people will definitely vote with their feet.
"Is it possible to link the work-for-relief program with this bank?" Li Yanting raised a possibility, "The plan Mr. gave before seemed to solve the problem of unbalanced division of labor and distribution, but it also violated the macro-distribution. The principle of less intervention, I don’t know what families everywhere will think about this matter, but from what I understand, money is definitely not that easy to get!”
"Originally, I could just sit back and enjoy the benefits, but now I have to contribute money and effort. In the end, I still get about the same. If I can get around it, I can go to the theater, but if I can't, I don't know what the chaos will be like." Li Yannian said with a full face. have no choice.
