"Mountain Chief, now that Confucianism is in power, it is indeed difficult for engineering students to get ahead, but Ke is willing to help Mr."

In Yanhuang Qianzhuang, after listening to Li Zexuan's words, Li Ke was silent for a long time and spoke.

"Oh? Xiao Ke, how are you going to help me? ”

Hearing this, Li Zexuan asked with a smile on his face.

Li Ke pursed his lips and said: "In a few years, Ke will go to Shu to take up his post, the land of Bashu has been isolated from the Central Plains for many years, and the conditions are very backward, and it is necessary to build on a large scale to improve the living environment of the people. I believe that with the ability of our college students, there is absolutely no problem in benefiting the people~! ”

Li Zexuan glanced at Li Ke and said with a smile: "Hehe! Xiao Ke, you see that Ke Shiqing's good deeds for the benefit of the people's livelihood in Shu have become popular, so you also want to recruit more academy students to Bashu to help you govern the fiefdom, right? ”

Don't look at what Li Ke said in a high-sounding manner, as if he wanted to help Li Zexuan share his worries, but in fact, Li Ke's move was to compete with Li Zexuan for talents!

But even if Li Zexuan knew Li Ke's true intentions in his heart, he didn't mean to be angry, because where would the students of the academy go to develop in the future, this is someone else's freedom, and he can't control it at all, if Li Ke has the ability to attract these talents to Shudi, it can only be said that he has a great personality, and Li Zexuan will not be angry about it!

was broken by Li Zexuan's thoughts, Li Ke's face was slightly embarrassed, he coughed dryly, and said, "Ahem!" Nothing can be hidden from the eyes of the mountain chief! In fact, what I think is that the Central Plains is deeply influenced by Confucian culture, and even if the engineering achievements are outstanding, it is difficult to compete with Confucianism, which has been inherited for hundreds of thousands of years.

And the land of Bashu is not painful, it has been isolated from the Central Plains since the Qin and Han dynasties, and the influence of Confucianism is shallow, as long as Ke can take the students of the academy and build Shu into a prosperous place over there, engineering will be able to gain a firm foothold over there, maybe Ke will open a school similar to Yanhuang Academy over there at that time, I hope you can agree! ”

Li Zexuan couldn't help but laugh and said: "Xiao Ke, you are helping to learn to spread the branches, what reason do you have to disagree with as a teacher~?" ”

After a pause, he continued: "As you said, engineering will indeed encounter a lot of resistance in the current Datang, but I don't think these resistance is a problem, when more and more people realize that engineering can change the world, they will slowly accept engineering." Of course, if you want to develop engineering in Shudi, it is not a feasible way, which can be regarded as more flowering! ”

Li Ke arched his hand and said: "What Mr. said is reasonable!" In the future, Na Ke will work with Mr. to carry forward the study of engineering! ”

In the past, Li Ke was repulsive to Shudi, after all, he lived in Chang'an City since he was a child, and let him go to Shudi, which is thousands of miles away, to take up his post, he will inevitably have some resistance in his heart.

However, after talking with Li Zexuan just now, Li Ke even faintly looked forward to going to Shu as soon as possible, because leaving Chang'an means that the fish will go into the sea, and then he will be like his idol Li Zexuan, vigorously develop engineering and science in his fiefdom and benefit the people!

He was looking forward to the land of Bashu becoming a real paradise on earth under his transformation!

Li Zexuan nodded, and was just about to get up to leave, when he suddenly remembered something, and said to Li Ke again: "Xiao Ke, I just saw that the account book says that Yanhuang Qianzhuang's monthly income is more than 30,000 yuan?" ”

Hearing Li Zexuan suddenly ask about this, Li Ke was a little confused, he paused for a moment, nodded and replied:

"Indeed it is! In recent months, the number of merchants in Lantian County has skyrocketed, and countless shops have sprung up in the city. But if this were a money bank in other places, it might not be able to make so much money!

But more people borrowing money is not necessarily a good thing! Because the money of our money is limited after all, at the end of each month, there will be a shortage of money in the bank, and many businessmen who want to borrow money cannot borrow, so they can only go to those large households who specialize in lending money to earn interest. Moreover, the amount of Tang Yuan issued is closely related to the total wealth that Datang currently has, and it is impossible for us to rashly print more Tang Yuan, so we can only watch some merchants being exploited by those big households! ”

Li Zexuan knew that what Li Ke said was the truth, after all, in today's Datang, if you want to say that the most prosperous places for commerce, there are only Chang'an City and Lantian County, but if you want to say that the business scale is the most rapid growth, there is only Lantian County!

The expansion of business requires a large amount of working capital, and the money bank is a place that provides working capital for businessmen!

At present, the capital in the money village mainly depends on the investment of the shareholders of the money village in the early stage and the accumulation of the operating profits of the money village in the later stage, and the source of profit of the money village is to rely on the handling fee when the people exchange copper coins for Tang Yuan, and the other is to rely on the merchants to release money to make profits!

After a moment of silence, Li Zexuan spoke: "Xiao Ke, you must know how to be flexible in dealing with people, since Qian Zhuang will encounter a shortage of money at the end of each month, then we will find a way to absorb more funds!" ”

Li Ke frowned and asked, "Mountain Chief, where should we go to find a source of funds?" ”

Li Zexuan smiled slightly: "Of course it's folk!" In the past, Xiao Ke could come up with the idea of lending money to merchants to generate income for the bank, but now why can't you think of using small profits to attract people to save their surplus money in the bank?

You can put up a notice to inform the people of Lantian County that as long as you keep the copper coins in Yanhuang Qianzhuang, not only will we not ask them to charge them a handling fee for exchanging copper coins for Tang Yuan, but we will also give them a certain amount of interest. This interest has current interest and regular interest, current is not specified deposit period, people want to use money, you can go to the money bank at any time to withdraw, and the fixed term is not the agreed period can not withdraw the money!

Therefore, correspondingly, the regular interest rate is higher than the current interest rate, and those people who have surplus money at home can save the surplus money to Yanhuang Qianzhuang, which can not only ensure the safety of property, but also earn additional interest money, I think there should be many people who are willing to come to Qianzhuang to save money~! ”

Li Ke's eyes widened when he heard this, his face was full of incredulity, at this moment, his head was already confused, after a while, Li Ke finally came back to his senses, he swallowed a mouthful of saliva, and asked:

"Mountain Chief, if you really send out this notice, I dare to guarantee that the threshold of our money village will definitely be broken by the people who have swarmed in! Are you sure we really won't lose money this way? ”

Losing money? If the bank owner loses money, then there is no way to make money in this world!

Li Zexuan muttered to himself in his heart, and then said with a smile: "Whether this loss is a loss or not, it depends on Xiao Ke's means!" I'm just introducing you to a way to solve the problem, and there is still a lot of room for maneuver in this method, such as the interest rate on deposits!

When the money bank is seriously short of money, you can raise the interest rate a little bit to increase the enthusiasm of the people to save money, and when the money bank is not so short of money, you can appropriately lower the interest rate to reduce the cost of the bank to absorb deposits!

There is a degree in the middle, which requires you to consider and balance all factors! As for your fear that the bank will lose money, there is no need to worry about it, because the interest rate on the bank's loans will always be higher than the interest rate on deposits!

In addition, this money can only create more value if it flows! If everyone buries their money in their own homes, then the consistent money can only be the consistent money, but if the money is stored in the bank, and the money is used to expand the scale of the business, then the money will easily become two money, or even more!

That's why I told you before that the knowledge in this money bank is great! Using money to generate more money is the fundamental goal of the existence of the bank! ”

After Li Ke carefully pondered Li Zexuan's words in his heart for a long time, he couldn't help but sigh convincingly: "Listening to the words of the mountain chief is better than reading a book for ten years, and the knowledge contained in this economic road is really mysterious!" Thank you for today's teachings! ”

Li Zexuan waved his hand and said, "Actually, Xiao Ke, you have already done a good job!" After everything is stable here, I hope you can return to the headquarters of Yanhuang Qianzhuang in Chang'an City and shoulder more responsibilities. Our Yanhuang Qianzhuang is under the name of the household department, but most of the officials in the household department have outdated concepts, and they are expected to be in charge of the money bank, I am afraid that in less than half a year, the money village will not be able to operate! Therefore, the heavy responsibility of carrying forward the money bank has to fall on you! ”

There was nothing wrong with these words on the surface, but Li Ke always felt that it sounded a little weird, and after a moment of silence, he frowned and asked, "Mountain Chief, what about you?" Are you going to leave the money bank alone? ”

At this moment, he finally realized that something was wrong, that is, Li Zexuan had too many words today, and it was completely like he wanted to instill all the knowledge in his mind into him, Li Ke suddenly had a bad premonition in his heart, and the whole person suddenly became nervous!

Li Zexuan was silent for a long time, sighed and said, "There are more important things to do for the teacher!" However, if you encounter any problems in the future, Xiao Ke, you can still come to me! ”

Li Ke didn't ask Li Zexuan what the more important thing was, because he understood that if Li Zexuan wanted to say it, he would tell him directly just now, since he didn't say it, it proved that Li Zexuan didn't want to say it, and Li Ke naturally wouldn't force it!

"Haha! Don't talk about that! ”

Seeing that the atmosphere was a little stagnant, Li Zexuan laughed, broke the silence, and said: "The money reform measures I told you earlier must be put into trial operation in Lantian County first, because the demand for money here is large enough. In addition, the money bank can not only lend money to merchants, but also to the people!

Now that the people in Lantian County are living well, some people with brains will think about making a living, and the money bank can lower the interest rate a little bit and lend them some money, so that they can create more wealth! ”

Li Ke was puzzled: "Merchants can use shops as collateral when borrowing money, but what can people use as collateral when they borrow money?" ”

Li Zexuan thought for a while and said, "You can get the title deed!" However, when the amount of money borrowed is small, you can do without collateral! They are all villagers from the same county, and even if they want to take the money and go away, they can't go far! ”

Most of the ancient people were more honest, small farmers were more serious in thinking, and their thinking was more conservative, they didn't like to owe money to others, in case they owed, they would pay it back as soon as they had money, and if they delayed it for one more day, they would feel uncomfortable!

Therefore, Li Zexuan is not very worried that the people who borrowed money will repay the debts afterwards!

Li Ke nodded and said, "What the mountain chief said is reasonable!" If the people of Lantian County need it, Qianzhuang will definitely lend money to them! ”

................................

After coming out of Qianzhuang, Li Zexuan went straight home, firstly, it was not early, it was time to go home for dinner, secondly, he was going to go to the Xuanjia Army camp in a while, while he hadn't gone yet, he would have to accompany his family anyway!

He went home comfortably to accompany his family, but some people were uncomfortable, one was Li Tai, and the other was Cheng Chumo!

At about noon, Li Tai came to the workshop to find Mo Lingwei to learn technology, and Mo Lingwei used the "cramming" teaching method to instill the principles of the latest products in the workshop, such as DC motors, batteries, diodes, etc., into Li Tai.

Li Tai was busy wandering around the workshops in the workshop, just to completely understand what Mo Lingwei explained to her, and this one went directly to the evening!

Poor King Wei, he still has to work overtime in the workshop at night, if this is said, no one will believe it!

Now he and Li Ke have completely become difficult brothers, one is fighting hard in the money village, and the other is desperately studying new technologies in the workshop!

But although it was a little hard, these two brothers were very happy!

"Hey! This e-bike is really exciting to ride! It's so much more refreshing than horseback riding! No, no, no! I can't return it to Xiao Xuan so quickly, I have to ride for two more days! ”

In the evening, Cheng Chumo rode a bicycle borrowed from Li Zexuan, like a windy year, attracting the attention of all passers-by, and this thing couldn't help but muttered to himself.

"Nest... Nest grass! Good... So majestic! ”

At this moment, Cheng Chumo saw a woman on the opposite side riding a bicycle, of course, this is not the key, the key is that the woman is particularly spectacular somewhere, with the bumps of the bicycle on the road, Cheng Chumo's eyes are straight!

"Bang~!"

As the so-called happiness gives birth to sorrow, all happiness is destined to pay a price, no, Cheng Chumo patronized to see the beauties, but forgot to look at the road, "bang", even people and cars crashed into the telephone pole that had just been erected not long after the roadside!

"Wow~~! Save... Help me! ”

Soon, Cheng Chumo's painful howl came from under the telephone pole, that sound was really miserable!

............................