"It is indeed a job that a white wolf can do with nothing, but you must also have the ability to trap a wolf."
Xu Fenglei said calmly,
"With this ability and foundation, making money will be as easy as eating and drinking."
"The only thing to guard against is internal corruption and private misappropriation."
"Therefore, I have to establish a rule as a teacher - anyone who dares to embezzle money from the bank without permission will have his hands, feet and head cut off, except for you and me!"
Li Qingquan: "!!!"
Although the master's tone was indifferent at this moment, there was a hint of murderous intent!
"Qingquan, remember."
Xu Fenglei said slowly,
“Compassion does not control armies, and righteousness does not control wealth.”
"As a teacher, I have led soldiers and managed finances. As a person, I can be kind to others, but when it comes time to be firm, I must not be vague in my determination!"
"This is Zhen too!"
"understand?"
Li Qingquan nodded heavily.
"It's Master, please remember this," she said with a solemn look on her face.
"In the future, the bank will still have many businesses, such as Chang'an's real estate. I think it is a very promising industry."
Xu Fenglei said casually,
"As the world becomes more and more peaceful, with no foreign invaders and domestic harmony, the population will definitely grow explosively and there will be more and more rich people."
"This is the best place in the world, and it will naturally welcome countless people. When there are more people, the land will be more valuable and the housing prices will be higher."
"When we make a profit, we can buy a few properties in the market without doing anything else. We can just wait for them to appreciate in value. The profit margin will be much more profitable than borrowing money!"
Li Qingquan opened his eyes slightly, decisively took out his notebook and started recording.
"When it comes to buying a house, the people who buy the house are our quality customers."
Xu Fenglei opened his mind and began to talk endlessly,
"Especially those who are transferred to Chang'an as officials from other places. They need a place to stay, but they can't afford so much money at the moment, so they will come to us for loans."
"Customers like this have a stable source of income and cherish their reputation. They will never act rogue. Just lend them money and receive money steadily every month without having to worry about bad debts."
"The next best thing is the businessmen who come to Chang'an to do business. They want to do business and are short on cash, but they have deep financial background. Whether they are Tang merchants or Hu merchants, they all have the ability to repay the money. If they want to default on their debts, humming... unless They don’t want to stop doing business!”
Swish, swish, swish.
Li Qingquan quickly wrote down these key points, and at the same time, he sighed in his heart.
This Fenglei Bank is apparently run by Master, but its background is already terrifyingly powerful!
But who knew that the emperor and empress actually took half of the shares behind the scenes?
Who dares to be a debtor and become a deadbeat? That’s a life of pure and simple life!
"In addition, banks do not lend funds for four reasons."
Xu Fenglei said again,
"Do not borrow if you are full of nonsense and do not believe in your words; do not borrow if you do not have a stable source of income; do not borrow if the purpose of the loan is unclear; do not borrow if you have bad habits, such as gambling or alcoholism."
"These four types of people will greatly increase the bad debt rate. Rejecting their patronage can reduce the problem by more than 80%."
"Others, let's manage it slowly and summarize it slowly. In a word -"
"We are not afraid of trouble, but we are afraid of trouble. Risks cannot be completely eliminated, but they can be completely controlled! It is best to make money by being harmonious. If you always use violence and rely on external forces to do business, it will not last long."
"Qingquan, do you understand?"
"Hmm..." Li Qingquan nodded in agreement while taking shorthand.
"I'll tell you next..."
That night, Chang'an City was brightly lit and turned into a city that never sleeps in the Tang Dynasty!
The two masters and apprentices talked at night. Xu Fenglei taught Li Qingquan all his superficial financial knowledge and built a relatively simple financial system.
For Fenglei Bank in its initial stage, it is completely sufficient.
As for the future?
Then you have to operate slowly and gradually improve...
…
The next afternoon.
Xu Fenglei slowly woke up from his big bed.
It was already early in the morning when he came back, and the slaves felt sorry for him, so even if he slept until night, no one would disturb him.
"Whoever wakes up from a big dream first will know it in my life."
He lazily straightened up, shook his head and said,
"You have had enough sleep in the spring in the thatched cottage, and the sun is getting late outside the window..."
"Comfortable, so comfortable!"
After stretching, Xu Fenglei put on his clothes and belt, and opened the door.
After the "squeak" sound, what he saw was not the scenery in the yard, but the face of slave Xiao Zi.
"Sir, you are awake."
Xiao Zi smiled and said,
"Would you like breakfast?"
Xu Fenglei: "..."
"Use a hammer! The sun is going down!"
He rolled his eyes and said,
"Make some soup for me to warm my stomach. I stayed up all night yesterday..."
"Yes." Xiao Zi nodded obediently.
She was about to turn around, but suddenly said:
"Oh, by the way, those princes who came here on New Year's Day are here again today, and they are all waiting for you."
Xu Fenglei: "?!"
"ah?"
He frowned and said,
"They are too impatient! Didn't I promise them yesterday?"
"Damn, do I look like the kind of person who doesn't keep his word? It's really..."
At this moment, he was a little speechless.
Are these people crazy?
But think about those parents in later generations who, fighting for a so-called "school district house" for an old and a poor child, spent their entire lives buying such a shabby house of 40 square meters, just for the sake of slightly better educational resources for their children in those three years...
He can understand again...
"But even so, it's still too stupid."
Xu Fenglei said displeasedly,
"All these people, who are stomping their feet and trembling in Chang'an, all come to me. Those who don't know it think they are plotting something big!"
"On the first day of the new year, the emperor's face looked a little strange, but luckily he said it later."
"How come these old gangsters have such low political consciousness!"
Li Er is trustworthy, but as an emperor, his political sense is still extremely sensitive!
For your children’s education?
Who knows whether you are plotting rebellion behind closed doors under the guise of "children's education"?
Even if the possibility is slim, we have to take precautions!
"Where are they?"
Xu Fenglei rubbed his hands and said,
"I'm going to scold them! Tell them to improve their memory!"
These old guys, if you don't scold them, they will be beaten by the emperor!
"Mr. Hui, several of the princes are sitting outside the palace gate."
Xiao Zi smiled and said,
"They borrowed a table and seemed to be playing something called... something called Three Kingdoms Killing."
"I have been playing since the morning and have been having a lot of fun. There are a lot of people watching! It's so lively!"
Xu Fenglei: "???"
"Three Kingdoms Killing?"
He was surprised and said,
"It spread so fast, they all started playing?"
"Let's go, let's take a look!"
(End of chapter)
