"Chief, now that Confucianism is in power, it is really difficult for engineering students to get ahead, but I am willing to help you!"
In Yanhuang Bank, after listening to Li Zexuan's words, Li Ke remained silent for a long time and then spoke.
"Oh? Xiaoke, how are you going to help me?"
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 a post. Bashu has been isolated from the Central Plains for many years, and its conditions are very backward. It is in need of large-scale construction to improve the living environment of the people. By then If there are students from the academy who are willing to serve as officials in Sichuan, they will be happy to accept them! I believe that with the abilities of our academy students, there is absolutely no problem in benefiting the people~!"
Li Zexuan glanced at Li Ke and said with a smile: "Haha! Xiao Ke, you have seen that Ke Shiqing's good deeds to benefit people's livelihood in Shu have become popular, so you also want to recruit more academy students to Bashu to help you manage the fiefdom. ?”
Despite Li Ke's high-sounding words, it seemed like he wanted to help Li Zexuan share his worries, but in fact, Li Ke's move was to compete with Li Zexuan for talents!
But even if Li Zexuan knew Li Ke's true intention in his heart, he didn't mean to be angry, because where the students of the academy will go to develop in the future is someone else's freedom and he can't control it at all. If Li Ke can attract these talents to In Shu, it can only be said that his personality is very charming, and Li Zexuan will not be angry about it!
Being exposed by Li Zexuan, Li Ke felt slightly embarrassed. He coughed dryly and said: "Ahem! Nothing can be hidden from the eyes of the mountain leader! In fact, what Ke thought was that the Central Plains was deeply influenced by Confucian culture, and engineering Even with outstanding achievements, it is difficult to compete with Confucianism, which has been passed down for hundreds of thousands of years.
But the land of Bashu is not painful. It has been isolated from the Central Plains since the Qin and Han Dynasties and has little influence from Confucianism. As long as Ke can lead the students of the academy and build the land of Shu into a prosperous place, engineering can be achieved there. If we gain a foothold over there, maybe Ke Ke will open a school similar to Yanhuang Academy there. I hope you can agree, Chief Shan! "
Li Zexuan couldn't help but laugh and said: "Xiao Ke, you are helping the students to spread their knowledge, so what reason does a teacher have to disagree~?"
After a pause, he continued: "As you said, engineering will indeed encounter a lot of resistance in the current Tang Dynasty, but I don't think these resistances are a problem. When more and more people realize that engineering can change the world, They will slowly accept engineering. Of course, if you want to develop engineering in Shu, it may not be a feasible way. This can be regarded as more flowers!"
Li Ke cupped his hands and said, "What you said makes sense! Then Ke will work with you to promote engineering from now on!"
In the past, Li Ke was repulsive to Shu. After all, he had lived in Chang'an City since he was a child. If he was asked to go to Shu, thousands of miles away, to take up a post, he would inevitably have some resistance in his heart.
However, after the conversation with Li Zexuan just now, Li Ke was even vaguely looking forward to taking up his post in Shu as soon as possible, because leaving Chang'an meant fish into the sea, and then he could be like his idol Li Zexuan in his own country. The fiefdom has vigorously developed engineering and benefited the people!
He is looking forward to the land of Bashu becoming a true paradise on earth under his transformation!
Li Zexuan nodded and was about to get up and leave when he suddenly remembered something and said to Li Ke: "Xiao Ke, I just saw it written in the account book that Yanhuang Bank's monthly income is more than 30,000 yuan?"
Hearing Li Zexuan suddenly ask this, Li Ke was a little confused. He paused for a moment, nodded and replied:
"It's true! In recent months, the number of merchants in Lantian County has increased dramatically, and countless shops have sprung up in the city. Those merchants who build shops and purchase goods will inevitably encounter problems with financial constraints, so they come to Yanhuang Money Bank The more people borrow money, the more money we will earn! But if this were a bank elsewhere, it might not be able to earn so much money!
But more people borrowing money may not be a good thing! Because the money of our bank is limited after all, every month at the end of the month, the bank will be short of money. Many businessmen can't borrow money if they want to, so they can only borrow money from large investors who specialize in lending money to earn interest. Moreover, the number of Tang Yuan issued is closely related to the total wealth currently owned by the Tang Dynasty. It is impossible for us to rashly print more Tang Yuan, so we can only watch some merchants being exploited by those big merchants. ! "
Li Zexuan knew that Li Ke was telling the truth. After all, in today's Tang Dynasty, the only places where commerce is most prosperous are Chang'an City and Lantian County, but when it comes to the place where commerce is growing the fastest, it's only Lantian County!
The expansion of business requires a large amount of working capital, and banks are places that specifically provide working capital for businessmen!
At present, the capital in the bank mainly relies on the investment of the bank's shareholders in the early stage and the operating profits of the bank in the later period. The bank's profit sources are, first, relying on the handling fees collected by the people when they exchange copper coins for Tang Yuan, and second, relying on the businessmen. They put money and make a profit!
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 every month, then we will find ways to absorb more funds!"
Li Ke frowned and asked, "Shan Chief, where should we find sources of funds?"
Li Zexuan smiled slightly and said: "Of course it's among the people! In the past, Xiao Ke, you could think of lending money to businessmen to generate income for banks, but now why can't you think of using small profits to attract people to save their remaining money in banks?
You can post a notice to inform the people of Lantian County that as long as they deposit their copper coins at Yanhuang Bank, we will not only not charge them a handling fee for exchanging the copper coins for Tang Yuan, but will also pay them a certain amount of interest. This interest includes current interest and regular interest. Current interest means that there is no specified deposit period. People can go to the bank to withdraw money at any time if they want to use the money, while regular interest cannot withdraw the money before the agreed period!
Therefore, correspondingly, the regular interest rate is higher than the current interest rate. People who have extra money at home can deposit the extra money in Yanhuang Bank. This can not only ensure the safety of their property, but also earn extra interest. I think there should be many People are willing to come to the bank to save money~! "
Li Ke's eyes widened when he heard this, and his face was full of disbelief. At this moment, his head had been confused for a long time. After a while, Li Ke finally came back to his senses. He swallowed a mouthful of saliva and asked:
"Chief, if this notice is really sent out, I can guarantee that the threshold of our bank will be trampled by the swarming people! Are you sure we really won't lose money in this way?"
Lose money? If those who opened a bank would lose money, then there would be no money-making business in this world!
Li Zexuan muttered to himself, and then said with a smile: "Whether you lose money or not depends on your methods, Xiao Ke! I just introduced you to a method to solve the problem, and there are many things that can be done in this method. Room for manipulation, such as savings interest rates!
When banks are seriously short of money, you can raise the interest rate slightly to increase people's enthusiasm for saving money. When banks are not so short of money, you can lower the interest rate appropriately to reduce the bank's cost of absorbing deposits!
There is a degree in between, which requires you to consider and balance all factors! As for your worry that the bank will lose money, there is absolutely no need to worry because the bank's interest rate for lending will always be higher than the interest rate for deposits!
In addition, only when this money flows can it create more value! If everyone buries money in their own homes, then the money will always be just money. But if the money is kept in the bank and the bank uses the money to expand the scale of business, the money will easily become two. Guan Qian, and even more!
So I told you before that the knowledge in this bank is huge! Using money to generate more money is the fundamental goal of money banks in the world! "
After Li Ke carefully thought about Li Zexuan's words for a long time, he couldn't help but sigh with sincerity: "Listening to the mountain leader's words is better than ten years of reading books. The knowledge contained in this economic method is really mysterious! Thank you, mountain leader, today. The teachings!”
Li Zexuan waved his hand and said: "Actually, Xiao Ke, you have done a good job! After everything stabilizes here, I hope you can return to the headquarters of Yanhuang Bank in Chang'an City and shoulder more responsibilities. Our Yanhuang Bank , it can be said that it is under the name of the Ministry of Revenue, but most of the officials in the Ministry of Revenue have old ideas and expect them to be in charge of the bank. I am afraid that the bank will not be able to operate in less than half a year! Therefore, the important task of carrying forward the bank must still fall on On you!"
There was nothing wrong with his words on the surface, but Li Ke always felt that it sounded a little strange. After a moment of silence, he frowned and asked: "Chief, what about you? Are you going to let the bank do nothing?"
At this moment, he finally realized something was wrong, that is, Li Zexuan talked too much today, as if he wanted to pour all the knowledge in his mind into him. Li Ke suddenly had a bad feeling in his heart, and his whole body I suddenly became nervous!
Li Zexuan was silent for a while, then sighed and said, "I have more important things to do as a teacher! But if the bank encounters any problems in the future, Xiao Ke, you can still come to me!"
Li Ke didn't ask Li Zexuan what the more important thing was, because he knew that if Li Zexuan wanted to say something, he would have told him directly just now. 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! Don't talk about this anymore!"
Seeing that the atmosphere was a little stagnant, Li Zexuan laughed, broke the silence, and said: "The bank reform measures I told you before must be put into trial operation in Lantian County first, because the demand for money here is large enough. In addition, banks Not only can you lend money to merchants, you can also lend money to ordinary people!
Now that the people in Lantian County are living a better life, some smart people will think about making a living. Banks can lower the interest rate a little and lend them some money so that they can create more wealth! "
Li Ke wondered: "Businessmen can use their shops as collateral to borrow money, but what can ordinary people use as collateral to borrow money?"
Li Zexuan thought for a while and said: "You can get the land deed! But when the amount of borrowed money is small, you don't need to mortgage it! They are all fellow villagers in the same county. Even if they want to take the money and move away, they won't be able to go far!"
Most people in ancient times were more honest. Small farmers were more serious and conservative in their thinking. They didn't like to owe others money. If they owed money, they would pay it back as soon as they had money. If they delayed it for one more day, they would feel sleepless and eating. !
Therefore, Li Zexuan is not too worried that the people who borrowed money will default on their debts later!
Li Ke nodded and said: "What the mountain chief said makes sense! If the people of Lantian County need it, the bank will definitely lend them money!"
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After coming out of the bank, Li Zexuan went straight home. Firstly, it was getting late, so it was time to go home for dinner. Secondly, he would have to go to the Xuanjia Army camp in a while, so he would go home now. I didn’t go, I have to live happily and spend time with my family no matter what!
He went home comfortably to spend time with his family, but someone was feeling uncomfortable. One was Li Tai, and the other was Cheng Chumo!
Around noon, Li Tai came to the workshop and asked Mo Lingwei to learn techniques. Mo Lingwei used the "cramming" teaching method to teach Li Tai all the principles of the workshop's latest products, DC motors, batteries, diodes, etc. Thai.
Li Tai was busy in the workshop, wandering around in various workshops, just to thoroughly understand what Mo Lingwei explained to her. This process took him straight into the evening!
Poor King Wei, he actually had to work overtime in the workshop late at night. If this was told, no one would believe it!
Now he and Li Ke have completely become brothers. One is fighting hard in the bank, and the other is working hard in the workshop to study new technologies!
But although it was a bit hard, the two brothers enjoyed it!
"Hey! This electric bike is so exciting to ride! It's much more exciting than riding a horse! No, no, no! I can't return it to Xiaoxuan so quickly, I have to ride it for two more days!"
In the evening, Cheng Chumo rode the bicycle he borrowed from Li Zexuan. He looked like a cool young man like the wind, attracting the attention of all passers-by. This guy couldn't help but mutter to himself.
"W...Wocao! So...so majestic!"
At this moment, Cheng Chumo saw a woman riding a bicycle from the opposite side. Of course, this was not the key. The key was that something about that woman was particularly spectacular. With the bumps of the bicycle on the road, Cheng Chumo's eyes widened!
"Bang~!"
As the saying goes, extreme joy brings sorrow, and all happiness is destined to come at a price. No, Cheng Chumo was busy looking at the beautiful women, but he forgot to look at the road. With a "bang", a person and a car hit the roadside and just stood up. It wasn't long before it was on the telephone pole!
"Ouch~~! Help...help!"
Soon, Cheng Chumo's painful howl came from under the telephone pole. The sound was so miserable!
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