Tanchun shows a radical that is completely different from Baochai, and of course, behind this radicalism is keen insight and accurate judgment.

"The third sister is very optimistic about Haitong Yinzhuang?" Feng Ziying's eyes were a little more probing, he wanted to know whether this girl was taking a risk bet, or if she could really see the future potential of Haitong Yinzhuang.

"Well, my little sister is very optimistic." Tanchun said quite firmly: "The reason is also very simple, first it is the first bank in Da Zhou that has the ability to collect savings and lend through this interest rate difference to obtain profits, which can be described as groundbreaking, Xiaomei carefully calculated, this interest rate difference is very large, it can be said that outsiders can not imagine, but compared with this kind of private lending of the people, it is much smaller, the key lies in a credibility and the risk that can be avoided by understanding the review of the borrower,......"

"Second, through the efforts of Brother Feng, even the opening of the sea bonds and concession money, as well as the affairs of Dongfan Salt and Reclamation, have to be turned over through Haitong Yinzhuang, these are all major events that shock the world, but they are all gathered in Haitong Yinzhuang, and the money and silver brought by it are stored in Yinzhuang on the one hand, and the impact it brings is self-evident, compare my heart to myself, if I am an ordinary businessman, I will definitely feel that this money bank basically represents the imperial court, and nothing will happen,......"

"Third, Xiaomei also heard Brother Feng say that with the opening of the sea, Xiyi, Nanyang and Korea and Japan will also have a sharp increase in the demand for various goods of our Great Zhou, such as tea, silk, porcelain, medicinal materials, ironware, these categories will skyrocket, and at the same time, the shipping and shipbuilding brought by maritime trade will also be driven, and in a profitable situation, businessmen are bound to build more workshops in these industries, so they will definitely have to borrow from Haitong Yinzhuang, which are very promising livelihoods in the future, so the risk of loss is relatively small,......"

"In addition, Xiaomei also asked Brother Duan, and Brother Duan brought a group of apprentices, all of whom are good at arithmetic and bookkeeping, and Brother Duan also mentioned that in addition to collecting savings and lending, the key to Yinzhuang is the investigation and credit review of borrowers,......

Hearing that Tanchun actually went to Duan Xigui to learn about these situations, Feng Ziying found that she really underestimated the stimulation of these two of them by such an "assessment competition" that she had come to this time, Baochai was so cautious and thoughtful that he was already amazed, and Tanchun's persistence and meticulousness made him feel even more touched.

Once the girls get serious, the charm they show is even more touching.

"Well, based on these reasons, the third sister is so optimistic about the future of Haitong Yinzhuang, which makes the foolish brother feel both relieved and a little frightened, if this Haitong Yinzhuang does not do well in the future, the foolish brother is really ashamed of the expectations of the third sister." Feng Ziying smiled and joked, making Tanchun also pink-cheeked.

"However, Haitong Yinzhuang is not without risk, Sister Bao did not choose Haitong Yinzhuang and chose to open sea bonds, is there a reason?" Feng Ziying threw the topic to Baochai, and Tanchun's eyes also looked at Baochai.

"Well, Xiaomei actually considered Haitong Yinzhuang, but Xiaomei didn't choose Yinzhuang in the end, mainly because she felt that the first imperial court did not have a share, well, this is what Brother Feng said, since it is such a good business, why doesn't the imperial court become a shareholder? It doesn't make sense. Second, I heard Brother Feng also say that such as shipbuilding, reclamation and opening up sea trade routes, these livelihoods will definitely not make money in the short term, and the risk is very high, but the support given by the imperial court to Yinzhuang is to require Yinzhuang to support in these aspects, which makes Xiaomei also a little worried, in addition, Xiaomei is also thinking that Haitong Yinzhuang is the first, then the second and third Yinzhuang will definitely appear in the future, and they may not even bear this kind of arrangement of the imperial court, they will compete with Haitong Yinzhuang,......"

This girl remembers these very well, and she said it casually, but she remembered it in her heart, but this is indeed an uncertain factor in Yinzhuang, but the girl pays more attention to profits, while Baochai pays attention to risks and uncertainties.

Without waiting for Feng Ziying to speak, Tanchun, who was disapproving, had already picked up the words: "Although there is some truth in what Sister Bao said, is there any risk in doing this kind of business?" Even if it is to buy a field if it encounters a flood and drought disaster or a civil rebellion, it may not be harvested, and if the shop is sold if it encounters water, it may burn to a single piece of tiles, Haitong Yinzhuang According to Brother Feng, the scale must be very large, and Jingshi, Yangzhou, Datong, Suzhou, Guangzhou and other Tongdu Dayi must be built, how can ordinary people follow suit and catch up? Moreover, this kind of arithmetic and bookkeeping method is not something that ordinary businessmen can quickly learn,......"

Baochai also smiled at the corner of his mouth, but he didn't argue, Feng Ziying knew that he was going to fall into the situation of saying that the public was reasonable, and the mother was reasonable, after all, everyone's consideration angle was different, and the degree of recognition of benefits and risks was not the same, so it was impossible to distinguish the winners and losers.

"Well, this one is over, and the third sister's plan is also the same as Sister Bao's, such as buying shops, fields and even tribute bricks to make a living, the reason is similar to Sister Bao, right?" Feng Ziying also saw the arrangements for Tanchun in these aspects, but its scale was much smaller, less than 80,000 taels.

"These are the same as Sister Bao's thoughts, but ......" Tanchun gritted her teeth, "Little Sister is very optimistic about the various livelihood and development that may be brought about after the opening of the sea,......"

"So you chose to invest in shipbuilding, silk, tea, and medicinal materials?" This is also what Feng Ziying sighed the most.

He didn't expect this girl to suggest that he should choose some suitable partners to invest in shares, and choose suitable partners in Nanzhi and Zhejiang to participate in these industries.

"Yes, Xiaomei thinks that if Sister Lin marries Brother Feng, and Brother Feng is in charge of the affairs of Kaihai, she naturally knows a lot about the affairs involved in these aspects, far better than others, and can also contact many businessmen related to these livelihoods, so she can naturally choose the partners with ease, of course, these advantages can be used, and there are naturally people who specialize in this way to be responsible for the affairs of the business, and Brother Feng only needs to pay attention to it occasionally, which can be said to complement each other, and this kind of income can be far better than buying land and shops. Xiaomei has checked the situation of several tea mountains and silk workshops in Zhejiang and Fujian in the past three years,......"

Tanchun's aggressive momentum made Baochai a little unable to sit still, of course she knew that if she completely compared the benefits of tea, silk and paddy fields, she would definitely not be able to compare with paddy fields, but its stability and risk were not comparable to such livelihoods.

"Brother Feng, the younger sister thinks that what the third sister said is correct, but this kind of business needs to be managed by special people, if it is just a shareholding, people can do a little tricks, even if they make a profit, they can also make a loss for you, and a big profit will give you a slight surplus,......"

"Sister Bao's words are wrong, the younger sister said it before, so it is necessary to carefully select the party that chooses to buy shares, and with the identity of Brother Feng, how dare these businessmen fool and deceive at will?" Tanchun did not show weakness, and looked at Baochai with burning eyes.

"Although Brother Feng is now in charge of the affairs of opening the sea, how can he do it for a lifetime? Maybe in two or three years, Brother Feng will move on to something else, and then I'm afraid that this kind of investment has not even seen the benefits, right? Baochai chuckled at the corner of his mouth, coping with it.

"It's Brother Feng who is transferred to others, and that is also a court official, how dare these businessmen be like Sister Bao said? Could it be that Sister Bao thinks that Brother Feng is the first to open the sea, and he has been in charge of it for two or three years, and he can't even establish this little bit of connections and influence? Xiaomei didn't believe it. Tanchun also raised his eyebrows slightly.

Baochai's face froze, this probe girl actually led the fire to Brother Feng, how could she have such a meaning?

"Third sister, do you think that with Brother Feng's future future, he will be entangled in such a businessman? To check in simple terms how much a tea farm has made this year or how much the shipyard has lost? Could it really be that the imperial history of the Imperial Court does not exist," Baochai's face also turned cold.

"Sister Bao's words are biased, the little sister just thinks that such businessmen are also acquaintances, how can they offend Brother Feng because of such things? Besides, this business is also a legitimate business, and Brother Feng has not used his power to oppress people for personal gain, how can he be involved in the imperial history of the Metropolitan Procuratorate? ”

Tanchun was also a little annoyed, this Bao sister's stick was also indiscriminate, how could she have that kind of meaning? actually linked such things to Brother Feng's future, isn't this a dirty person's innocence?

"Third sister, the career is difficult, is it as simple as you imagined, black and white?" Baochai's eyes were clear, "Maybe it's just a trivial matter, and you have to be borrowed, it's not without precedent, Brother Feng's age has to be cautious, how can he be involved in such things?" ”

Tanchun is really angry, how can this Bao sister splash dirty water so much? What did he say to get Brother Feng involved? It's just inexplicable!

Feng Ziying didn't expect that these two or three sentences would make the smell of gunpowder between the two of them become strong all of a sudden, which completely went against his original intention.

"The two younger sisters stop, uh, this kind of thing is just a matter of opinion, and the foolish brother just wants to take this opportunity to understand the two sisters' views on this kind of livelihood,......" Feng Ziying hurriedly interjected to stop, "Brother Fool's personal feeling, in fact, Sister Bao and the third sister are very talented in this regard, but they are slightly different in style, well, Brother Fool thinks that the two sisters have already felt it, it is better to do this, the two sisters exchange your planning strategies, and then conduct an analysis and evaluation of each other's plans, Of course, focus on writing different points of view and justification,......"

"Besides, Sister Bao, Third Sister, you two won't really be angry because of this, right?" Feng Ziying pretended to blink, and asked pretending to be curious: "If it's true, Brother Fool estimates that the second sister and the Yun girl and the fourth sister will laugh off their big teeth, especially the Yun girl, well, do you need to tell the Yun girl?" ”