Looking at this white fat man who is not good-looking, but has a warp and weft, Qin Feng showed a faint smile at the corner of his eyes, a person who can write such a masterpiece as the theory of money is of course not an ordinary character, Su Kairong only sees him as a good hand at running a money bank, and he is too underestimated to underestimate him. Pen ~ fun ~ Pavilion www.biquge.info is worthy of being the son of the old household, and his understanding of money is indeed better than blue.

"Okay, since you have accepted this task, then you have to withdraw from Changlong Qianzhuang, and at the same time, your Su family's shares in Changlong Qianzhuang must also be withdrawn, you will establish a national monetary system in the future, and then serving in Changlong will inevitably be suspicious of melon fields and plums." Qin Feng smiled and said, "Thinking about it, with your Su clan's current status, the other shareholders of Changlong will not dare to treat you badly." ”

The white fat man smiled, "Your Majesty, even if you don't say it, I will quit immediately, if the imperial court is determined to rebuild such a complete monetary system, the good days of these money banks will come to an end, as long as I really do it, where is there still room for them to survive, even if there is, it is just a little scraps, if you don't quit at this time, wait for the time when there is no return?" ”

"Not necessarily." Qin Feng smiled, a little surprised by the other party's acuity, "The world is very big, even the imperial court can't finish all the business." ”

"Your Majesty, do you think this is a business?"

"Isn't it?" Qin Feng said: "I want money to make money, money to make money, in the final analysis, it is just a business." Whether the business will thrive or eventually go bankrupt depends on you, the leader. ”

"Otherwise, it will live up to Your Majesty's wishes." Su Can's chubby face showed a solemn look, "Although Your Majesty said that this is a business, this business is too big, not only about money, but also about the fate of the country. ”

"You've got that idea, that's great." Qin Feng nodded: "Tell me about your Changlong Money Village, Changlong is the No. 1 big money village in Qianyue, how much do you usually maintain your usual position?" ”

"Back to Your Majesty, in fact, there is not much silver in the bank, and the turnover of the entire bank is as much as tens of millions of taels of silver a year, but the silver in the bank, counting all the branches, is only a million taels of silver." Su Can said: "Large customers deposit silver, we charge a certain storage fee, these customers from the deposit of silver to the withdrawal of silver, there is a time difference, we take advantage of this time difference, the silver will be released at a high interest, from which to earn high interest." ”

"Aren't you afraid that the money you put out won't be recovered?" Qin Feng asked.

"Of course there are. However, when the money bank puts the silver, it also has considerations. Su Can said: "How can ordinary guys who have no tiles on their bodies and no footprints on their feet borrow money from Changlong?" Generally, we give money to those land-sitting households, and they have a family and a business, so naturally we don't have to worry about them not paying it back. In addition, it is a businessman, when they need to adjust their positions, they will also come to us to release money to him, of course, this kind of short-term loan, with risks, the interest is much higher. ”

"What if they don't pay it back?" Qin Feng asked.

"In general, there is no such risk." Su Can said: "Of course, there are also business failures and bankruptcy, for this kind of guy who has no longevity and is destitute, we can only consider ourselves unlucky, but this kind of thing is still very rare." Before disbursing the loan, we will always have a survey of the borrower to confirm that he has the ability to repay. Or pledge, or guarantee, in short, the idea is to try to minimize the risk. ”

Qin Feng nodded: "Why do you only do business with big customers, haven't you thought about it, in fact, the people also have a lot of money in their hands?" Of course, it is true that a single ordinary person does not have much money in his hands, but the money in the hands of thousands of ordinary people is a staggering number. For example, if we go to the capital, there are now nearly a million people, and if each person saves ten taels of silver with you, this number will be your annual flow. With this money, wouldn't your business be much bigger? ”

"Your Majesty, we keep the silver for others, and there is a fee for that, and the people don't have much money in their hands, so how can they put it with us? And we can't take on this kind of thing, it's a completely loss-making business! Su Can said.

Qin Feng looked at him with a smile.

Su Can said as he spoke, his voice gradually became quieter, and he suddenly turned a corner, the money of a common person is not worth mentioning, but the money of tens of millions of people is added up, it is a terrifying number.

He swallowed a mouthful of saliva and looked at Qin Feng in a daze.

"Why do you charge people for their storage?" Qin Feng looked at the fat man and said, "For example, I lend you money now, and you go to invest in a business, so do you want to give me interest?" ”

"That's natural." Su Can nodded.

"That's right, why can't you let the people save their money in the bank, not only don't have a storage fee, but also give the people interest money, so that you can make money, I think the people are still very happy, the scattered money is gathered, the money can be invested in a business with a greater return on investment, the interest you pay to the people, it must be much lower than the interest they lend to others, this in and out, don't you make money?" Qin Feng asked.

"Your Majesty is wise, how come I haven't thought of such a thing before?" Su Can muttered: "Sometimes we are worried that we can't adjust our positions, and if we can do this, we will only worry that we can't find a business with a higher rate of return." ”

"These things, you go back and think about it, what are you going to do, write a note to me as soon as possible, after the original household yamen moved outside the palace, the old yamen was empty, and it has not been dealt with, I will hand over that place to you, as the office space of your new department, you go to find the right person to form this yamen, you, I will give you a four-grade official hat to wear, and the people you need to look at and report it." But there is one thing, it must be able to do things in a real way. Otherwise, beware of the officials looking for your door, and my face will not look good at that time. ”

"Your Majesty, rest assured!" Su Can was a little excited, his old man had worked all his life, and he only mixed a third-grade in the Ming Empire, and he hadn't done anything yet, he was a fourth-grade official. "The people I need must be familiar in the industry, I know very well in this industry, those people can do things, those people have ideas, those people are like-minded with me, and the people I find must be the leaders in this industry."

"Okay, then that's it, you go back to do things, you have something to do, discuss more with your father, don't look down on him, people who have been in the household department all their lives, they will not know much worse than you in this industry." Qin Feng said with a smile.

"Yes." Su Can bowed, turned around and walked out.

After Su Kairong of the old household department was kicked out by Qin Feng, he returned to the yamen of the household department outside, where he had something to do, and he was restless. His son himself knows that he does have some talent in the management of the money bank, but now His Majesty is asking about the national political plan, how can the son who has never set foot in politics know the danger here?

He never thought that the book that his son had concocted a few years ago would actually be targeted by His Majesty, and he knew that when his son wrote it, he should have burned it to the ground. It's ridiculous that I was still proud of myself at that time, and I still carry a few copies in my arms every day, and I give them to people when I see them. It's not that I want to sell my son's idea, but I want those guys who have been laughing at their tiger father and dog to see that their son is also talented.

Regret not being at the beginning! Su Kairong only felt that his heart was on fire, and he drank several large glasses of cold boiled water in a row, but he still felt unbearably thirsty.

"Lord Shangshu, Lord Shang Shu." A household official ran in upside down, "The son is out of the palace." But Childe didn't come here, but went back. ”

"Bastard thing." Su Kairong scolded, turned around and walked out, walked a few steps and then turned back to tell the official: "I am not feeling well today and have taken leave." ”

The official smiled and said: "Master Shangshu goes, it is a good thing that Su Gongzi is valued by His Majesty, so that His Majesty can see each other in his busy schedule, and it is a long time to talk about it, it can be seen that Su Gongzi is about to soar!" Lord Shangshu, I can congratulate you here in advance, and don't miss a meal of wine for us to drink when the time comes. ”

Su Kairong sighed, "You don't know, who knows if this is a blessing or a curse, as far as my son, you don't know it, is that the material for being an official?" ”

hurried home all the way, but what he saw was Su Can talking to his mother and his wife, and the old woman's face was almost blooming with a smile. As soon as he saw Su Kairong stepping into the door, Su Can didn't say anything, but the old woman shouted happily: "Master, do you know too?" Our son has a future, but His Majesty has personally made him an official. ”

Su Kairong looked at his son and asked in a deep voice, "You agreed?" ”

Su Can nodded: "Yes, father, I agreed, to rebuild the monetary system of the Ming Empire for His Majesty the Emperor." ”

Su Kairong was furious, and he swept over with a slap.

Don't look at Su Canfat, but he was very agile behind him, and he shrank back, and he was already hiding behind his mother: "Dad, you can't beat me, I am also a fourth-grade member now, and when I turn back, there will be an official uniform and a big seal sent to my home, your old household yamen will be my yamen in the future." ”

"I don't care what kind of fourth-grade master you are, you are a first-grade master, and you are also my son, I can fight if I want." Su Kairong was furious.

"Sir, what are you doing here? In the past, Can'er didn't want to be an official, and you also beat it, but now you jump on the branch and become a phoenix, and suddenly you become a four-grade member, you have to fight too, Can'er is your own son, not picked up on the road. The old woman grabbed Su Kairong's sleeve and said angrily.

"You, what do you know? This official, if you don't do it, you're going to lose your head, and even cause trouble to the Nine Clans! Su Kairong suddenly wilted, where to sit: "Can'er doesn't know what to do, how can this matter be touched at will?" ”