Liu Yong nodded and said, "This is very simple, my lord, I'll ask you a question first." ”

"You say." Yang Fan nodded.

"My lord, may I ask what our people of the Great Song Dynasty will basically do with when they have money?" Liu Yong asked.

Yang Fan frowned.

Liu Yong added: "I mean the rest of the money. That is, the money saved. ”

"This, I think the big officials also know it very well!" Yang Fan said with a smile.

"Well, yes, juniors know. They all found a place to hide the gold and silver. Liu Yong said.

Yang Fan nodded and said, "Yes, it's easy to lose if you don't hide it." Like large families, they have their own money coffers. You have to hire someone to take care of it, which takes a lot of effort and money. ”

"What the adults say is very true, if you don't hide it from the adults, the younger generations will suffer from it!" Liu Yong smiled bitterly.

"The family assets of the big officials are increasing, so they are naturally distressed by this. But does it have anything to do with what kind of finance you're going to do? Yang Fan asked.

"My lord, of course it matters?" Liu Yong said.

"I want to hear about it." Yang Fan said.

"My lord, this financial institution that the younger generation wants to set up is to let these people who have spare money have a reliable place to keep their money." Liu Yong said.

Yang Fan nodded and stroked his beard.

"However, Liu Yong, I'm afraid that people may not be able to appreciate it! You think, money is the most reassuring thing to put in your own hands! Yang Fan said.

"That's why the younger generation has to unite with the imperial court. With the court as a guarantor, I think I will be able to dispel everyone's doubts! Liu Yong said.

Hearing this, Yang Fan frowned and pondered for a long time before saying, "Well, this helps. But why do you have to put gold and silver with us? ”

"Because we're going to do him good?" Liu Yong said with a smile.

"Benefits?" Yang Fanyou frowned, and said quietly: "Oh, if you ask someone to put the money with us, and then give him back the benefits, then wouldn't we have made a loss-making deal?" ”

Liu Yong laughed after hearing this.

"My Lord Tobe Shangshu, you only know one thing, but you don't know the other!" Liu Yong sighed.

"I want to hear about it." Yang Fan said.

"My lord, junior asks you, if all the people in Lin'an Mansion put their excess spare money with us, how much money will we have?" Liu Yong asked with a smile and took a sip of tea indifferently.

"Oh, that's not a small number, I'm afraid it's going to be rich!" Yang Fan exclaimed.

Liu Yongfa put down the teacup, nodded with a smile, and asked again: "Then what if the excess money of the entire Great Song Dynasty people is put in our hands?" ”

"Wow, that old man can't think about it. But the old man still doesn't understand, we help people look at so much money, which is time-consuming and laborious. What's the picture? Yang Fan asked.

"My lord, that's what the juniors are going to say next." Liu Yong took another sip of tea.

"Okay, I'd like to hear about it." Yang Fan followed and took a sip of tea.

"Listen, sir." Liu Yong seemed to be telling a story.

"Listen up." Yang Fan said.

"My lord, we have so much money in our hands, so much more to do. First of all, we have to give interest to the people who have money with us, so that they can be attracted to save it. It's up to us to calculate

Please note: Please pay attention to the rest of your eyes for a long time. Net Recommendation:

Interest rate. For example, if we set a deposit of 100 yuan, we will give him an interest of one penny every month. Then, we use the money we have to lend. It's about lending money to people who need it urgently. Of course, it's not for nothing. We also charge interest. Then set a hundred yuan to lend, and charge an interest of two cents per month. In this way, we make a penny on the difference. My lord, do the math, if the entire Lin'an Mansion has money to deposit money with us, and we lend it out, how much money can we earn in a year? ”

"This ...... The old man didn't dare to imagine it. Yang Fan said.

"My lord, this is what the younger generation calls the business of making money." Liu Yong smiled after speaking.

Yang Fan nodded and said, "This is indeed a good business!" ”

"And, my lord, as long as we have money, we can make our own investments. For example, investing in ocean trade. Liu Yong said with a smile.

"Well, the old man understands what the big official means. This is indeed good, the old man will go to the Ming Holy Shrine after the New Year. I think the Holy One will agree. Yang Fan said.

"My lord, the Holy Lord will definitely agree, because this does not require the court to pay a penny, and then the younger generation and the court will be divided. The imperial court is even lying down to make money. Liu Yong said.

"Well, yes, that's a great thing!" Yang Fan smiled.

"Then the adult agrees with this idea of the junior?" Liu Yong asked.

The old man raised his hands in approval. Yang Fan laughed.

"Your Excellency agrees, and that's half the battle." Liu Yong said with a smile.

Yang Fan nodded.

Liu Yong continued: "My lord, when the time comes, this part will be under the management of your household department, and all the credit will be your household department." ”

Yang Fan nodded, and couldn't help laughing again.

"Liu Yong, you are really an inventor! The old man admired, admired. Yang Fan bowed his hand to Liu Yong for the second time.

Liu Yong hurriedly returned the salute and said with a smile: "My lord is too famous, too famous." The younger generation just likes to study and do business. ”

"Okay, Liu Yong, you will have dinner at the old man's place today, how about we have a few drinks?" Yang Fan stood up and patted Liu Yong's shoulder.

"Then the junior will be cheeky." Liu Yonggong said.

"Huh? What is cheeky or not, in the future, you Liu Daguan will come to the old man's mansion if you want to, and the old man will order you to go down, as long as you come, you don't need to report it again. You just treat my house as your home. Ha ha. Yang Fan said with a smile.

"Thank you, Lord Yang, for your love." Liu Yonggong said.

"Okay, let's go to the back hall, I'll let the next person prepare the wine and food, and then study it carefully, preferably a success." Yang Fan said.

Liu Yong smiled and followed Yang Fan to the back hall.

The back hall is still very spacious, and the interior of the hall is gorgeously decorated, which does not make Liu Yong feel strange, because the salary of civil servants in the Great Song Dynasty can be said to be the highest in China for thousands of years. A big official like Yang Fan can calculate the annual salary of several million RMB. With such a salary, it is not surprising that the decoration of the house is luxurious.

The two sat down, and Liu Yong said: "My lord, everything else is easy to say, but the trust problem in the early stage is not easy to solve!" ”

Yang Fan also frowned, nodded and said, "Yes, hand over your money to others to take care of, the sense of trust here really needs to be cultivated!" ”

"That's where the Holy Lord's help comes in." Liu Yong smiled.

"What do you mean?" Yang Fan asked, frowning.

Liu Yong smiled mysteriously.