Qin Feng broke up with Gao Wenjin and returned to Jia's house alone. Originally, I planned to train Jia Song and the others again, but the three of them were all asleep, and the grapes were still drunk when they were drunk with water.

As soon as Qin Feng returned to his room, Miss Jia came with Ruyi. Smelling that Qin Feng also smelled of wine, Jia Jingmin said angrily: "When you go out to eat, why drink so much wine?" Jia Song and the others came back, and their tongues couldn't be straightened. ”

Qin Feng said with a smile: "He's looking for someone to fight for wine." By the way, from Ming'er onwards, Jia Song and I won't come back every day, I find a place to fight, and I will stay there most of the time in the future. ”

Jia Jingmin nodded and said softly, "I knew it would be like this." ”

"Two days later, the victims formed a militia group, and there were so many people that I couldn't train. Only hurry up and train Jia Song and others in the past two days. When the militia is on the right track, there will be not so much to do. Qin Feng explained with a smile.

Jia Jingmin smiled bitterly: "You are doing a good deed to help the victims, I will say that, don't care." ”

"I used to be idle, but suddenly I started to prepare for the establishment of a militia group, and I realized that things were complicated. Last time, Qingfeng Temple gave me a piece of land, and I plan to build a house there and build a hot spring pool and hot spring villa for you. Later we moved in. It's not me showing off, my villa may not be the largest in Nanchang, it may not cost the most silver, but it is definitely the most comfortable! Qin Feng was still imagining, Miss Jia's face was already red to her neck. This time, he didn't glare at Qin Feng, but just whispered: "For no reason, why should I move in?" ”

"Wait for two months, I will find someone to propose, your mother has promised you to me, so my villa is specially built for you to build a new house. It's just that I've had too many things to do lately, and I'll have to wait a few days before I can get started. ”

Ruyi stood aside with a happy face and said with a smile: "I didn't expect Qin Xiucai to be so capable!" Also repair the house. ”

Qin Feng looked Ruyi up and down: "If you can do it, you can follow your young lady to live in the future, and you will know." ”

Ruyi was stunned for a moment, suddenly realized something, and her pretty face turned red. Jia Jingmin glared at Qin Feng: "Don't talk nonsense to her, she is still a child." ”

"Then you're not a child, can I talk nonsense to you?" Qin Feng smiled sheepishly.

"I'm still in the period of filial piety." Jia Jingmin didn't have a good airway.

"Okay! I'll talk to you again after that! "Qin Feng is talking nonsense seriously.

Jia Jingmin said fiercely: "Stinky chess basket, can you talk well." ”

"I've been talking, oh, by the way, what's going on with your perfume business? I've heard that it's now forbidden to brew grain, so what about you? ”

Miss Jia breathed a sigh of relief that she was finally able to communicate normally. Then he said: "Yes, there is no way to refine alcohol for the time being, so I can only reserve more flower essence, and the perfume has not been able to produce the finished product." You have a lot of options, and if you only expect perfume to make money, you really can't do it. ”

Qin Feng nodded: "The world is unpredictable, perfume can't be made for the time being, but I have a better money-making business here." ”

Jia Jingmin said happily: "What can you do?" ”

Qin Feng said with a smile: "My methods are endless. This time, we opened a bank. He turned his head to Ruyi and said: "Ruyi, you have to remember today's day, this is the beginning of a new era, because today, I officially decided to open a bank!" Also today, I promise to build a house that is more comfortable than the palace for your young lady and you! ”

Jia Jingmin and Ruyi, at first they were still smiling and listening, Ruyi kept nodding, and then their faces changed. Ruyi felt that she couldn't stand it anymore and shouted: "I'll go refill the tea." "Ran out red-faced.

Jia Jingmin said angrily: "I can't say a few words, you are talking nonsense." ”

"She ran out just in time, I'll talk to you about myself." Qin Feng moved the chair and wanted to sit against Miss Jia.

"No, tell me about it, the bank." Jia Jingmin said urgently.

Qin Feng smiled, yes, this is the right thing. It seems that I have to change this problem because I always go off topic.

Seeing Qin Feng, he immediately sat upright, ready to speak. Jia Jingmin suddenly felt a trace of regret in her heart。。。。。。

"The trade in cloth is called a cloth shop. Those who buy and sell rice are called rice traders. When we buy and sell silver, we call them banks. Qin Feng became serious, thinking intently, and spoke without hurry.

Jia Jingmin saw it in her eyes, was happy in her heart, and blushed on her face.

Seeing Qin Feng pause, Jia Jingmin asked, "How to buy and sell silver?" ”

"It's the same as the cloth, one in and one out. And whoever has money in his house, put it in my bank. According to the interest of one percent a year, such as ten taels of silver, when one year expires, you can take out eleven taels. In order to save money, large families repair warehouses in their own homes, which is troublesome, expensive, and painstaking. You also have to ask someone to maintain and guard. The copper plate is corroded, and the silver is eroded. Isn't it cost-effective? Small households, a lot of broken silver turned into silver cakes, silver ingots, every day at home in Tibet, sleep under the pillow, fear of loss, all day long can not be stable. Silver, on the contrary, becomes a psychological burden, how hard is it? In the future, everyone will be in the bank, and the troubles will be gone, and the silver can still earn interest, and give birth to a percent of silver, how good! ”

Jia Jingmin glared: "They're fine, we're not good." We have to repair the treasury for safekeeping, and we will help them guard the silver, and pay them interest? If we have a lot of money, how can we afford it? ”

"We're going to repair the treasury, it's called the treasury! We need to be guarded, and now we have vigilante groups, and we have plenty of people. We will not put all the silver deposited into the treasury, who needs to do business, we will release it, and recover it at 20% interest a year. For example, in the future, if your perfume business does not have enough money, you can come to the bank to borrow money. For example, if you go south to do business in the future and the capital is insufficient, you can also come to the bank to borrow money. The interest of the outer pledge warehouse is almost 50% a year! The bank only collects 20%, so there is no need to worry about no one borrowing. ”

"Then what if their business fails and they can't afford to pay it back?"

"To borrow money, you have to apply first. The bank sent personnel to investigate in advance, what the details of the people who borrowed the money, what they did with the money, and assess the possibility of failure. For example, your perfume, such as Zuixianlou opened a branch, and Lushan Changxin opened a new academy. These types of businesses are likely to be successful. Even if you have done a pre-investigation. Then, borrow the silver for review, borrow the silver, or mortgage the house with it, or mortgage it with the previous business. In case of failure, the collateral bank sells, refunds more and makes up for less, and borrows money to repay the money, which is justified. After the incident, when the money is lent, the bank will also follow up and observe, or help, or remind, or warn, to assist the borrower in the operation. Qin Feng said eloquently: "This is the three-check system, which ensures that the money lent out by the bank can be returned." ”

Jia Jingmin thought quietly for a moment and said, "You have a second mortgage, and the other two, there's no need, right?!" ”

Qin Feng shook his head: "The second is only to ensure that the bank does not lose money, and the first is to ensure that the borrower borrows money and uses it for the right way." If a gambler borrows money, even if there is a mortgage on the house, it will not pass the first check. Banks do not borrow. I can't make everyone in the world be a good person. But if someone steps into the abyss, I won't push him. To borrow money, it must be a legitimate person doing the right thing, which is the social responsibility of our bank. ”

Qin Feng said again: "The bank pays attention to reciprocity, borrowing silver to do business successfully, and he has to be happy to pay back the money." Our bank not only provides money to lend money, but also assists, supervises the borrower's business, and tries to help him succeed. This is the purpose of the bank's business, win-win! ”

Jia Jingmin's eyes flashed with admiration, this man has such a majestic body! Holding back the excitement in her heart, Jia Jingmin said again: "This is good business, but there are still many problems. The initial investment is very large, repair the treasury, and hire manpower. How do others deposit and withdraw money? What credentials are used? If the deposit is small, it cannot meet the needs of borrowing. Or they have too much money in deposit and not enough money to borrow. If the bank can't balance its balance of payments, then it will lose a lot. ”

Qin Feng smiled slightly: "Miss Jia is worthy of being a businessman, she can see the key at a glance!" ”

In the future, when a bank is opened, the registered capital, that is, the principal, will need at least hundreds of millions, billions. This is also the bank's starting capital. Because the bank does not have many deposits in the early stage and spends a lot, it is necessary to prepare sufficient capital at the beginning. Even if it is operated in the later stage, the larger the bank, the higher the return, the more comprehensive the investment, and the smaller the risk.

Qin Feng's praise for Miss Jia this time was heartfelt.

Qin Feng continued: "So in the early stage of the bank, it needs a lot of capital, because at the beginning, no one will come to deposit the silver. Put your own money in someone else's place, the big Chinese people, and they can't accept it yet! They are worried that in case the bank runs away, in case the bank is stolen, in case the bank fails, and so on. There's so much to worry about. Therefore, at present, they are willing to repair their own storehouses and prefer to hide Tibet at home. ”

Jia Jingmin was puzzled: "Then you still do it?" ”

"Because, as time goes on, as I move forward with another thing, there will be a large number of people who will come to deposit the silver! That's our first step, there will be enough money to deposit. For now, let's do this first, and wait for him to do it. Qin Feng was confident.

Jia Jingmin nodded: "Since you see all the risks, you are still so sure." So I support you, what can I do for you? ”

"You don't do it for me, you do it for us. The bank is mine and yours. Because Mrs. Jia has already promised you to me, we are a family, and the business of the family ......" Qin Feng shook his head and chattered.

Jia Jingmin's pretty face was blank, and her eyes widened: "Stinky chess basket!" Shut up! Say, what do I do! ”

"Oh, I'll teach you the process of making accounts in the bank first. Recruit dozens of more account offices, and then you teach them, in fact, it's quite simple. ”

"Wait." Jia Jingmin interrupted Qin Feng: "It's not appropriate for me to teach them, right?!" ”

"Oh, too. I'll look for this, Gao Wenjin. Then, ask dozens of girls who can do arithmetic, and you will teach them to do bank accounts, is this okay? ”

"Okay."

"Bank accounts are complicated, but we can simplify them as much as possible. First of all, the access of small doors and small households will be done later. I'm not underestimating them, what these small families will bring to the bank in the future is an earth-shattering business. It's just that we can't do it now, so now we only do the business of big families. Fifty taels, or one hundred taels of deposit, give the customer a small book, name passbook. Name, place of residence, and household registration are indicated on it. There is a row of records in the passbook, the number of silver deposited, the date, and the name and seal of the handler. The following row is written with the Arabic numerals I taught you, and the two lines corroborate each other. The bank keeps its own archives, and one customer corresponds to one archive. The archive and the passbook corroborate each other. To access silver, you need to fill in the deposit and withdrawal documents, documents, passbooks, archives, and three things corresponding. After one person has processed it, the three things are passed to the review and inspection, and the two people think that they are correct, and they stamp the three things together. The documents are kept separately, the passbook is returned to the customer, and the bank is kept on file for ......"

This is the longest conversation between Jia Jingmin and Qin Feng, from afternoon to dusk, and then to late at night, when Ruyi came back and sat aside, Qin Feng and Jia Jingmin didn't notice.

Watching the two of them ask and answer seriously, Ruyi admired in his heart: what a pair of beauties, the man is heroic and handsome, and the woman is stunningly beautiful.

Think about yourself again in the future, you will be a wedding girl. Ruyi's heart fluttered and fluttered. If Ruyi wants, she can marry someone else, but Ruyi wants to follow Miss, and she is also a small family or a concubine. It's better to follow the young lady and deal with the uncle together. Qin Xiucai is so strong, Miss will definitely not be able to beat her, she has to help her own Miss......