Chapter 540 Li Qingquan, the Financial Queen of the Tang Dynasty, confided in her heart
That night.
Xu Fenglei walked on Xishi Street, raised his foot and walked into Fenglei Bank.
This is the only shop in the entire West City that ignores the curfew, because the bank has to reconcile accounts at night, and cannot pile up today's business until tomorrow. This is the rule Xu Fenglei set when he founded the bank.
Li Qingquan, the person at the helm, executed very well.
Crack, crackle!
Inside the shop, there were several accountants who were concentrating on their calculations.
In front of each of them, there is a thick stack of account books, which makes people dizzy just looking at it...
"Master, why are you here?"
A familiar voice came.
But I saw Li Qingquan dressed in plain clothes and wearing a Kun Dao bun. He looked very elegant.
As the female boss of a bank, there is no smell of copper on her body, but she is more fresh and refined...
This is rare.
"I can't come and see you if I have nothing to do."
Xu Fenglei smiled and said,
"The lychees you sent me taste very good."
"Is it really transported from Lingnan?"
Li Qingquan met Xu Fenglei all the way, personally fetched high-quality tea leaves, and brewed a pot of tea for him.
This kind of thing can be done by the girl in the shop, but since the master is here, she must make the tea herself without any slightest care.
"It's not really that far."
Li Qingquan smiled and said,
"It's just a gimmick, saying it's Lingnan lychee, but it's actually cultivated in Bashu. The climate in the south there is also very hot, so lychees can bloom and bear fruit."
"However, even if it is transported from Bashu, it is very difficult, because the road to Shu is difficult! Fortunately, the Kuaishou is a light ride and is not a large-scale transportation, so it is not that difficult."
"It takes three to five days to almost reach Chang'an. At this time, the lychees are still fresh. Bad ones and stale ones are sold at a low price, and good ones are sold at a high price."
Xu Fenglei was a little stunned.
Good guy, this is all false propaganda!
"There is no business without treachery!"
He joked,
"I'm telling you! If you want to go from Lingnan to Chang'an so fast, unless it's eight hundred miles away, it's impossible to deliver it."
"Smart, so smart! With this brain, it's hard not to make money!"
If Li Qingquan hadn't told him otherwise, he would really not have been able to figure it out!
To the south of Bashu is the Southern Barbarians! Zhuge Liang's seven captures of Meng Huo were actually subduing the southern barbarians. Compared with Lingnan, the climate there was no less generous.
If we really talk about the taste, it’s not bad!
It's just that Lingnan lychee has a great reputation, making it easier for the nobles in Chang'an to pursue it.
"That man does have a business acumen. If master is interested, will my disciple let him meet you?"
Li Qingquan sat down and said with a smile,
"There are many others with such brains."
Xu Fenglei waved his hand.
"No interest, just do it."
He said casually,
"They have the brains and ability, and we have the money and vision, so let's invest in them and let them work hard!"
"We just need to collect the money and take the dividends! You control how the bank's money is invested and who it is invested in. I don't care."
Now, he was completely relieved about Li Qingquan.
This girl is so financially savvy!
If you let yourself do it, you will never reach her level!
"Yes, Master."
Li Qingquan had a happy expression on his face, and it was obvious that she felt comfortable hearing the master's words.
While responding, she stared at Xu Fenglei's face and said:
"Master, you have lost weight and become darker..."
"These past few months have been very difficult, haven't they?"
Xu Fenglei was startled and subconsciously touched his face.
"Have you lost weight? No, right..."
He pouted and said,
"That kid Cheng Qian is even darker than me!"
"Actually, as a man, what's the point of being darker and thinner? It's good! It's more manly!"
"Am I right?"
Li Qingquan pursed his lips and smiled.
"Yes, yes... Master is right."
She agreed,
"You are indeed more masculine. Fortunately, you came out at night. If you came out during the day, wouldn't you be fascinated by Chang'an Street?"
Xu Fenglei's old face darkened.
"Qingquan, I haven't seen you in the past few months, and you are becoming more and more eloquent."
He said angrily,
"You dare to make fun of me as a teacher. I still remember how well-behaved and shy you were back then."
"It's so different now!"
Li Qingquan stopped smiling.
"People... always grow."
She took a sip of tea and said,
"Actually, at that time, my disciple felt a little inferior. After all, I was a concubine, while Cheng Qian, Li Zhi and Qing Que were all legitimate sons."
"Although I am a sister, in my heart, I have always regarded myself as a big maid... cautious and cautious."
"So, my father and mother have always praised me for being well-behaved and sensible. In fact... who is born to be well-behaved and sensible? It's just that I was not born with the qualifications to be lively and noisy, because I can't afford to gamble, and I don't dare to gamble. After I made a noise once, Do my father, the queen, and my queen love me, or do they hate me?"
Xu Fenglei glanced at her in surprise.
This was the first time Qingquan had said these words to him. Was he confiding his true feelings?
He said nothing and listened quietly.
"Fortunately, I got a master later."
Li Qingquan looked at Xu Fenglei and said with a smile,
"Actually, my disciple has always admired you very much, much more than I admire my father."
"So, you have the greatest influence on me. You gave me confidence and gave me a goal to strive for."
"Master, thank you."
There was still sincerity and reverence in her eyes.
Xu Fenglei nodded.
"It should."
He nodded and smiled,
"Listening to your emotion... you shouldn't be drinking tea at this moment, but drinking wine!"
"Ha ha……"
"We have wine." Li Qingquan suddenly stood up and said, "I have all kinds of wine here, including the best grape wine and bamboo leaf green. Which one do you want to drink? Just tell me, there are a lot of them in the warehouse."
She pointed to the cabinet shelf again and said:
"Do you want to smoke? I have all kinds of shredded tobacco here. I have the best quality ones in stock in the palace. I don't usually take them out, but if you come, there is an unlimited supply."
Money can make all the difference!
As the financial queen of the Tang Dynasty, Li Qingquan can show her strong financial resources and energy wherever she goes!
"Hey, no, no, no, I just said it casually."
Xu Fenglei hurriedly waved his hands and said,
"Drinking will make things worse. I've also given up smoking. I won't smoke anymore."
"I came here today because of two things... How are the branches in other parts of the Tang Dynasty doing? Are they profitable?"
After hearing this, Li Qingquan gave up and sat back down.
"Just give it a try."
She pondered for a moment and said,
"In the initial stage, there are not many deposits attracted, and it's not like local merchants and wealthy households don't trust our bank."
"After all, my father's conferment was sponsored by our bank. There are few people in the world who don't know the name of Fenglei Bank, and they also know that we have a profound background and great strength."
"But even so...security is a concern."
"The local security force is really not as good as Chang'an. There have been several treasury robberies. Although there was no big loss, this flaw was exposed."
"With this flaw, depositors must be intimidated...if the money they put in the bank is robbed, where will they cry?"
Xu Fenglei touched his chin.
The bank was robbed... This is indeed something difficult to avoid.
After all, money moves people’s hearts! Even when thermal weapons were available in later generations, some people still took risks and robbed banks! And there are actually successful robberies!
Not to mention ancient times!
If several groups of bandits work together, they can even capture a county town! Let alone a bank...
Besides, the soldiers in the government offices are not necessarily willing to work to the death. After all, if you can only make so much money in a month, why are you risking your life?
"The imperial power does not even go to the countryside. We cannot completely solve this problem. Only by increasing the power of the imperial court can we extend our influence to more places."
Xu Fenglei muttered,
"This is not something that can be accomplished overnight... However, after all, our banks are located in big cities, so the security problem is not too big."
"The main thing is to make depositors have confidence, and finance is actually about confidence!"
Li Qingquan nodded.
"My disciple thought so too, so I was thinking about whether to let it out. Even if all the depositors who have deposited money in Fenglei Bank are really robbed, the bank will not judge it as a loss for them, but as a loss for the bank itself. Loss."
She said in a deep voice,
"All losses will be paid by Chang'an Village!"
"This should put them at ease... If nothing else, our credibility is still guaranteed."
Xu Fenglei smiled, but shook his head.
"It's good that you pay so rigidly, but who will bear the bank's losses?"
He said,
"We open a bank to make money, not to do charity, and we don't want to lose money..."
"I think we can consider starting an insurance business."
Li Qingquan was stunned.
"Insurance?"
She even asked,
“What is insurance?”
Xu Fenglei said:
"It's an institution that specifically takes risks for people."
"In short, all depositors who save money in Fenglei Bank don't have to worry about their own funds. They only need to buy a theft insurance and accident insurance for their property, and only need to pay a small amount of their savings every year. , you can protect your money throughout the year!”
"During this period, if it is stolen or robbed, there is no need to worry! It will not be borne by the depositor, nor will it be borne by the bank... all losses will be borne by the insurance institution!"
"In this way, even if there is an accident, the bank will not lose money. Isn't it wonderful?"
"Another point is that if nothing happens throughout the year, the insurance agency will earn all the premiums. Even if something happens to one place, the premiums from the other places will still be profitable! This is also a very profitable business! "
"In the end, depositors get peace of mind, the bank has no risk of losing money, and the insurance institution also gets premiums. It's a win-win-win! It's a huge win!"
Li Qingquan frowned slightly.
"The insurance premium... it's a good idea, but will savers be willing to spend the extra money?"
She whispered,
"We have to pay a sum of money for this every year, and I'm afraid many people will be deterred."
"Master said triple win, but actually this money comes from the depositors."
Snapped!
Xu Fenglei snapped his fingers.
"Why are you so smart, Xiao Qingquan."
He said with a smile,
"Yes, the wool comes from the sheep, and the money comes from the savers."
"But they can definitely pay for it willingly! Just don't be so direct. If you ask them to pay, they will definitely not be happy."
"You can adjust the interest rate and deduct the premium from their interest! The annual premium is not a lot, plus you can buy absolute security for your property. Anyone would agree to this!"
"If it were me, I would agree without hesitation!"
"dont you agree?"
Li Qingquan stretched out his hand and gave Xu Fenglei a thumbs up.
"Master, as expected of you!"
She couldn't help but admired,
"This move of yours is so clever!"
"Indeed, if they are asked to pay, they will definitely not be happy! But if a sum is deducted from the interest to ensure the safety of their funds, the resistance will definitely be much less!"
"This principle is equally applicable to other places...Master, thank you for reminding me, my disciple suddenly feels that he is better at making money!"
Xu Fenglei's words made her think a lot, and she felt like she had a sudden enlightenment!
Suddenly, several new ways to make money appeared in her mind!
"You have always been smart and can draw inferences from one instance to another."
Xu Fenglei smiled and said,
"There's no need to thank me, I just came up with an idea, and it's up to you to implement it."
"Then this matter is roughly settled like this. If you don't have the energy to do this insurance business, just ask those entrepreneurs if they are interested in doing this, and let them contribute money and energy. We will only invest money and control Just the general direction and dividends will be enough.”
"It should be noted that only one can be opened for the time being, and the business cannot be carried out too much."
Insurance is a hugely profitable industry!
In the future, if you want to open an insurance company, you will need a license! Without a license, no matter how much money you have, you are not qualified to open one!
This license is worth hundreds of millions or even billions!
"Yes, my disciple understands."
Li Qingquan smiled and said,
"Master, please come more often in the future. Every time you come, you can give me more new ideas!"
“Every time I come here, I feel like I have gained insights and improved!”
Xu Fenglei raised his eyes to look at her, waved his hand and said:
"Stop flattering me. This is the first thing. That's it."
"Let's talk about the second thing."
He stared at Li Qingquan and said:
"Is Lizhi here with you? Bring her out. I want to talk to her."
The smile on Li Qingquan's face suddenly froze.
"This...Master, what are you talking about?"
She said with some doubts,
"Shouldn't beauty be in the palace? Why is she here with me?"
"What did she do?"
Xu Fenglei smiled slightly.
"Don't hide it, I can already see it through your eyes, she is right here with you."
He said,
"Besides, I can find her even if she goes to the ends of the earth to tell fortunes for the Master's Association."
"The hexagram image of ground fire is bright and clear, and the image shows that the woman fell into a well. This well can also be regarded as a clear spring."
"dont you agree?"
(End of chapter)
