Seeing Qin Feng's hesitation, Lu Wenman had a hint of disappointment on his face, and said, "If you don't want to, don't force yourself." ”

"Me." Qin Feng couldn't bear to see Lu Wenman sad in his heart, going to the academy was not a sea of swords and fires, and he didn't go every day, so he could go a few times less, and just put on his name. And every time I go on a date in this small courtyard, it is the room fee paid by Miss Lu.

Qin Feng smiled reluctantly and nodded slowly: "I, you can go to the academy to try first." ”

Or worried that the girl would see a slight change in his face, Qin Feng got up and walked two steps to the side, looked up at the sky, turned his back to Miss Lu and said, "I just hope that it will not cause trouble to Shilin Academy and Lu Shanchang." If I make a mistake, I need Miss Lu to help me. ”

For some people, keeping a distance or being more able to maintain a good relationship.

In direct contact with Lu Shanchang, Qin Feng felt very tired. However, for the sake of Lu Wenman, Qin Feng was still willing to try to get close to Lu Shanchang. Modern people do not care too much about some non-principled issues, and since they have agreed, they will no longer be entangled.

Lu Wenman knew that Qin Feng didn't want to go to the academy, but Qin Feng still agreed for his own sake. A warmth rose in the girl's heart, in fact, it didn't matter if she went or not, what mattered was whether Qin Feng cared about herself.

Just like a man buying a diamond ring, the woman thinks that the more expensive the better, and the bigger the better. And most men think that this thing is a meaning, and it doesn't matter how big or small. Originally, you went to take a look and investigate, how many of the couples who bought the diamond ring have been wearing it?

But women will tell you confidently: diamond rings are expensive and small, and it doesn't matter! It's not a question of money or not! It's not a question of whether to wear it or not! It's that I have multiple problems in your mind. This directly elevates the material problem to the attitude problem!

Compared to buying a diamond ring, Qin Feng can prove his mind just by going to the academy to put his name on it, he actually picked up a big bargain.

Thinking about it like this, Qin Feng's heart was happy, and after adjusting his emotions, Qin Feng turned around and smiled: "How can my grandfather say that my sword is going off the rails, there must be a reason, right?" ”

Since he was sure that he had a lot of weight in Qin Feng's heart, Lu Wenman was sweet in his heart, his face was silent, and he glanced at Qin Feng and said angrily: "It's my grandfather, not your grandfather." “

"Familiarize yourself with the title first, and it will be easier to change your name later."

Lu Wenman snorted: "My grandfather said that you are the number one liar in the world, the number one plagiarist in the world, and the number one thief in the world." I can see these three things about you now, and I may be able to find more in the future, you are not a sword to go sideways? “

"This is a joke between your grandparents and grandchildren, right?!" Qin Feng smiled dumbly: "Liar, it must be referring to the game." Plagiarism, it may be that I borrowed Western alphabet words into a dictionary. Thieves, thieves? Qin Feng was a little puzzled: "If I plan to steal Miss Lu's heart, then it should be the number one thief in the world?!" It's not appropriate to use theft, right?! ”

"You, you can switch to this tune for whatever you say, Dengzi, stinky rascal." The girl and Qin Feng were unable to fight, and began to curse.

Men and women, bickering has nothing to do with IQ, nothing to do with knowledge. It is only related to appearance, with a high probability, the more beautiful the woman, the easier it is to lose. Why?

Qin Feng saw that Miss Lu was a little angry, and she clenched her small fists, as if she was planning to serve with her pink fists if she didn't agree with her. I couldn't help but laugh and said: "I'm born from the heart, and I can't help it!" So let's talk about it first, why don't you steal with theft? ”

"It's not the same thing!" Lu Wenman said angrily: "Grandfather said that your silver ticket can be secretly printed and loaned, shopping, buying property, and obtaining interest or income. Recycle the privately printed silver tickets and destroy them. This money is earned seamlessly, isn't it stealing the wealth of the world? ”

Qin Feng was stunned for a moment, no, this question has to be said well.

Qin Feng turned around, sat down in his place, and said, "This, grandfather has wronged me!" ”

Qin Feng did not intend to give up the false printing of silver bills, which is one of the most important sources of income for the bank. Moreover, this can't be stopped, can you not eat a plate of braised pork in front of you every day? You can endure it today, but what about tomorrow? Since you can't help but eat it one day, it's better to eat it if you want.

Eat and eat, but you have to put it another way, Qin Feng said slowly: "Suppose Miss Xiaoyun saved a hundred taels of silver and bought a house." One day, I happened to encounter a good business, but I couldn't get the capital for a while, and I was reluctant to sell the house, how should this be good? ”

Xiaoyun stared at a pair of eyes: "Yes, what should I do?" ”

Miss Lu glared at Xiao Yun and said angrily: "He will lend you money!" ”

Qin Feng said with a smile: "Xiaoyun's house itself is worth a hundred taels, but it is a dead thing when placed there. The bank just turned the house into silver again, and the dead thing into living money. The house itself exists, so the corresponding printed silver ticket is not a false print. Theoretically, all fixed assets, such as houses, shops, fields and other fixed industries, are monetized in this way. When these currencies enter the commercial market, the entire commercial economy will expand several times, and people will become richer. The taxes of the government and the imperial court will also increase. Therefore, from the perspective of righteousness, this is a good thing for the benefit of the country and the people. Since it is a matter of benefiting the country and the people, how can it be called theft? Murder is the murderer, and life is paid. Killing enemies on the battlefield is a hero! It is the same killing, because the purpose and result are different, so the title is different and the meaning is different. Banks print bank bills according to the corresponding number of fixed assets, which is called asset monetization. ”

Lu Wenman's mouth was deflated: "Then the bank takes a fancy to the fixed assets, shops, and fields you said, and prints silver bills to buy them, who has the ability to compete with you?" Didn't your bank pick up a big bargain? ”

"If someone is reduced to selling a house, more banks like this buyer is a good thing for the seller. At least it won't be sold cheaply. However, banks generally do not participate in direct purchases, which can take up a huge amount of capital and the risk will be high. In addition, if there is a specialization, the bank is only responsible for lending. Anyone who likes it can buy it, but if the money is not enough, come to the bank to borrow it. The purpose of the establishment of the bank is to increase the tax revenue of the government, increase the income of the people, and the main business of the bank is credit. Provide free settlement of bank transactions for various business activities. It is convenient for everyone to circulate goods and transfer money. The reward for the bank is credit building. Then, on the basis of credit, the equivalent of silver taels is provided for Xiaoyun's house. In this way, a source of living water is formed, and the sea is wide, which can nourish all things. ”

Lu Wenman listened attentively, girls have potential in literature, language, and art. But it is true that there is little interest in economics, philosophy, logic, etc., and it is clear that there are many female students in these subjects when you go to university.

Lu Wenman understood what Qin Feng meant, and also felt that what Qin Feng said was very reasonable. But the girl just can't figure it out, why do you print silver tickets to get profits, and you can still be so vigorous, right?

So she had to write down every word Qin Feng said and go back to ask her grandfather. Number Six

Qin Feng elaborated on this issue so seriously, in fact, he also said it to Lu Shanchang.

In the Dahua era, the Confucian legal system. The scope of moral requirements is even higher than the scope of legal constraints. Confucianism believes that everything can be measured by moral standards.

Ethical governance advocates precaution.

The starting point of the law is post-mortem punishment.

In a society dominated by morality, the rule of law will inevitably lag behind. Because the rule of law is a complement to morality.

So, for example, no one cares about you with an empty silver ticket. The corresponding rule of morality is that there is borrowing and repaying! As long as the silver ticket can be exchanged for silver at any time, then there is no problem.

But once it can't be paid, there is a law of unkindness. The shop was closed, and the principal's family was a slave and a maid, and they were slaughtered.

Therefore, the relationship of money, morality and law has been perfectly combined to deal with all disputes. Is there a need for other supplementary laws? No need. UOB does not have accounting laws, banking laws, securities laws......

Others are not convinced? Why?

No one will be unconvinced, because you can also empty print! Just remember, the redemption is guaranteed at any time!

Qin Feng's bank has a strong cash flow. Qin Feng's militia group can protect the safety of banks and realize large-scale business in the south. Qin Feng's cleaning fee has completed a large-scale merchant account opening. The business dealings between these merchants are the living space and soil of the silver ticket.

If you don't have that, your silver ticket won't have a place to live.

One more point, can your silver ticket be counterfeited? If the fake can be real, I'm sorry, you have to pay for the fake one!

Just like a country's banknotes, you have the ability to make banknotes that are difficult to distinguish between real and fake, and that is real money.

Because of this, those big families understand the tricks of the bank, and they can't learn it, so they can only choose to join together, and the combination will benefit both sides!

Therefore, Qin Feng is not afraid of discussing the empty printing of bank bills.

This is how banks operate in modern society.

A bank collects 100 million deposits, and the loan amount generally acquiesced by the official is 900 million! That's right, one-to-nine virtual!

If the loan cannot be recovered, will the bank lose money? If you think about it too much, the loan is mortgaged, and it can't be repaid, and the bank auctions the mortgage, and you lose, and the bank doesn't lose.

The state doesn't care about the banks watching such a mess? Thinking about it again, it's really not a mess. Because the bank's loan line is still allocated by the management agency.

So why did the state agree with the banks to do this?

Because of the 900 million lent out by the bank, the bank has income and has to pay taxes. Those who borrow money do business, and the state has taxes. How many times the 900 million will be in the market, the state will collect taxes!

To put it simply, taxes come from business activities, and the more money in the market, the more business activities, and the higher the taxes! The country is the winner. Banks are just one thing.

Some people say that there are more loans, although they are all required to enter the business market. Sometimes it is necessary to stipulate which type of market to enter, such as targeted loans, targeted issuance! Sometimes there are also restrictions on areas, such as strictly not allowing the flow into the housing market, the stock market. But if there is more money, it will always affect prices, and prices will rise, and the people will suffer losses in disguise. There is some truth in this statement, so every time the loan amount is released, everyone will joke and release the water.

The release of water will affect prices and will also promote economic development. The increase in the income of economic participants exceeds the increase in prices, and this is the development of success.

But inevitably, there is a small percentage of people in any society who can't keep up. It's like running, there are always people who get lost. As long as most people can keep up. So, sometimes you can't blame the water, you have to blame yourself for your short legs.

Let's talk about Qin Feng's previous life, although many people complained about the rapid rise in prices, they also have to admit that the standard and quality of living have also risen fast. Back in the past thirty or forty years, prices were cheap, but at that time, the three most foreign items were sewing machines, bicycles, and watches. Later, when Qin Feng was in college, who cared about these three things?

UOB's future printing of false silver bills is to release water. Moreover, Dahua's economy is too dry. For example, in the northwest of Shaanxi, thousands of miles of red cliffs, water is urgently needed.

But this complex economic concept cannot be discussed here. You have to go out step by step, let the changes appear in front of everyone, and you have a personal experience. In order to change people's thoughts and concepts little by little.

Qin Feng was busy playing with guns in Yunshan, soaking in beautiful eyebrows, and spreading the way of finance, just to lay a foundation for the future.

There are also people who work elsewhere to find their future......