Spending in advance with future earnings is the basis for future credit loans.

But this idea can only be understood by Chen Xu, who has traveled from later generations, in this era when there is almost no financial thought, many people do not understand the concept of money, only know that money can buy and sell goods, but money is actually not the only legal tender, because the law of Daqin stipulates that cloth and grain are also equivalent transaction currencies, which is very confusing.

Once the monetary reform is completed, money has become the only currency for trading, and finance can really begin to play a huge role in various industries, as long as Huaxia Money has sufficient capital reserves, it can issue several times the exchange notes out of circulation within the controllable leverage, which will greatly enrich the cash flow in the market, and in disguise it is to increase the amount of currency.

And at present, the money bank is still cooperating with the Shaofu Coin Bureau to prepare to start promoting the new currency, in fact, the large denomination of coins and the exchange of bills are similar, but also a kind of leverage operation with national credit as a guarantee, the exchange of bills is just a bigger step, as long as Daqin does not collapse, Huaxia Money Zhuang strictly controls the number of redemptions, as long as it is not the exchange of bills issued all over the sky to cause prices to soar, to maintain the stable payment of bills, naturally there will be no problems.

Of course, most people can't imagine that far ahead.

Because there was no one in the room who raised this concern.

With Chen Xu's new mortgage plan, all the businessmen who participated in the internal fundraising contract were also excited, paying 2 million, Qianzhuang lending 4 million, paying 5 million, and Qianzhuang lending 10 million.

At present, all the cities that have opened Huaxia money banks, who still use large amounts of cash transactions will inevitably be laughed at by their peers, only those who are extremely cautious will put money in their own money cellars, but in the transaction, it is still necessary to go to the money bank to deposit money with deposit certificates and exchange bills, this is the trend of the times, no one wants to carry dozens of catties and hundreds of catties of gold and copper coins in the barren field of Daqin to run wantonly, because with so many coins, just like a beautiful woman running naked on the street, the temptation is not ordinarily big, it is quite big, If you're not careful, you'll be robbed by mountain bandits.

After a lively discussion, Chen Xu announced the end of the internal fundraising meeting and instructed everyone to start preparing their respective projects according to the investment promotion manual and the signed intention contract after they returned.

According to the brochure, all businessmen involved in fundraising must participate in the construction of roads, can bear sand and gravel, can bear cement, can undertake the laying of roads, can undertake the construction of bridges, can also undertake the construction of service stations and logistics markets, these will be tendered according to the bidding section planned by the Academy of Sciences and Shaofu, all the costs will be borne by themselves, and the loan will be offset according to the amount of work tendered after the construction is completed.

In fact, this road is a white wolf construction project for Chen Xu, who raised more than 200 million funds with only a stack of contracts, and then released about twice the loan, and then these loans were deducted by deducting the project payment, so that the road was there, but he didn't spend any money.

But it was such an empty glove white wolf project, and all the businessmen involved in it received huge benefits.

The businessman spends two million to get the right to operate a service station, and then gets a loan of up to four million, this money can be partly invested in his current business operation, and part of it will be invested in building the road, once the road is repaired, the cost of building the road will eventually offset the loan, the less the road is spent, then the more he will earn in the end, because according to the description of the investment fundraising contract, the total budget of the road is about 10 million stones, and the cost budget of each bid section is different. But if you save money and use it in the end, it will be repaired with only 8 million stones, and the 2 million stones saved will be regarded as the money earned by all participants, and it will be nearly 80 million yuan of income when divided, and I don't know how many 100,000 million billionaires can be created.

At the end of the internal investment meeting, Chen Xu left several shareholders of Huaxia Bank to continue the meeting.

"Master Hou, do you need Qian Zhuang to start raising funds?" In Chen Xu's special reception room, all the worries of Fan Yan and the others last night disappeared at this time, and their mood became extremely relaxed, so after sitting down, they asked with a smile while drinking tea.

At this time, there were only Fan Yan, Shui Hong and a few shareholders who were preparing Huaxia Qianzhuang in Nanyang in the room, and then Fan Caiying and Chen Xu, a total of nine people.

And these nine people are almost the highest decision-making level in control of this 400 million investment.

"Ladies and gentlemen, the mortgage can certainly solve the problem of funds for the road construction, but the premise is to ensure that the road will be repaired within a year, and I would like to draw your attention to the fact that the issuance of the redemption must be cautious and careful, and must not be issued indiscriminately, and the proportion must be strictly controlled, so I have thought about it for a long time, and I feel that the future development of our Huaxia Money Village must carry out some reforms, and a more strict mechanism is needed to operate!"

"Master Hou, just give your orders directly, we will all listen to you!" Fan and several shareholders gave up together.

For finance, they are almost all laymen, Huaxia Qian Zhuang is not looking at the current prosperity, there are 20 branches across the country, deposits of more than 100 million, and a monthly turnover of 10 million levels, but in fact, all the operations are still the same set that Chen Xu just put forward at the beginning, and almost never changed.

Because they don't know how to change, and they don't know how to develop more financial projects, in addition to deposits, loans, all supported by interest, basically to meet and facilitate the daily operation of businessmen.

However, this is also Chen Xu's original idea, and it is precisely this convenience that makes a large number of businessmen choose to deposit their money in the bank, and only then can they have the recognition of Huaxia Bank, and they can accumulate such good credit so quickly.

"Well, since that's the case, then I'll say it directly, at present, the money banks in various places are relatively independent, although they agree with each other on the certificate of deposit and the redemption of bills, but the management and supervision are not strict, in fact, it is very unsafe, so we must set up a management agency on the money bank again, above the current management, the main role of this management body is to continuously improve and standardize the operation of the bank, and strengthen the inspection of the money bank in various places......"

"This mortgage method we have also seen the huge role of the bank, not only two kinds of deposits and loans, but there are other means to make money, there are many other means, I will not say it when the time is not right, but I want you to understand that the money bank has a great role in stabilizing business and the lifeline of the country's economy, as Daqin becomes more and more prosperous, all industries are more and more prosperous, and there is more and more money in the hands of ordinary businessmen, and this importance is becoming more and more obvious......"

"Set up a higher-level management organization, transfer the most elite talents to set up the Huaxia Qianzhuang management headquarters in Xianyang, and collect all the business of account inspection, personnel training, deposit receipt management, and bill redemption printing to the headquarters for unified deployment, and continue to study the anti-counterfeiting means of bill redemption and deposit receipts to ensure that no one can counterfeit and counterfeit to cause the loss of the bank......"

Chen Xu spent almost twenty minutes saying his thoughts, and Fan Yan and the others listened seriously and nodded their heads continuously.

"Master Hou's idea is very necessary, at present, the old man also feels that the development of Qian Zhuang is a little chaotic, the pace is too fast to keep up, although the hired stewards and business personnel are all calm and responsible people in our family, but there is no guarantee that there will be guys who eat inside and outside!"

"I also have this concern, or is Hou Ye far-sighted!"

"Master Hou, just say what to do, right? We barely know anything about the bank! ”

Several shareholders surrendered together.

"The director of this headquarters I would like to ask Miss Caiying to serve, this half a year Miss Caiying has managed Xianyang's money village in an orderly manner, I heard that deposits and loans are the most branches in the country, and there has never been any mistakes, as for the manpower of the headquarters, please consider it carefully, arrange some shrewd and stable people in the family to serve as managers at all levels, and other personnel must also be well selected, people do not ask for more, but to be stable and hard-working, we will arrange this matter as soon as possible after we go back!"

"Okay, with this headquarters, I don't have to worry so much about it in the future, and the headquarters is located in Xianyang, and the Hou Ye can guide me at any time, so that my old bones can finally take a breath!" Fan Yan smiled and breathed a long sigh of relief.

"When we go back, we will definitely arrange for people to come and assist Miss Caiying as soon as possible!" Shui Hong and several other shareholders all surrendered.

"Thank you Lord Hou for your trust, Cai Ying will definitely live up to Lord Hou's expectations!" Fan Caiying knelt directly in front of Chen Xu, kneeling with her hands on her forehead and bowing.

"Hurry up, don't use such a big gift!" Chen Xu stretched out his hand to help Fan Caiying up.

"The office of the headquarters of the Qian Zhuang Cai Ying girl took the time to arrange people to buy decoration, the sooner the better, because once this investment fundraising activity is over, a large number of funds and loans will continue to appear, and they are very large amounts, we must be cautious, and once the road construction begins, a large number of large transactions between businessmen will also emerge in endlessly, each of which is hundreds of thousands of millions of money, these must be more careful, so the inspection can not be careless......"

After admonishing Fan Caiying, the second formal shareholders' meeting of Huaxia Qianzhuang was over, and then Chen Xu specially left Fan Cai and told him about Fan Caiying, Fan Cai got a precise answer, naturally his happy mouth couldn't close, and immediately said that he would prepare a rich dowry for Fan Caiying, which made Chen Xu cry and laugh, and Fan Caiying stood next to him and couldn't help himself, his cheeks were red and his eyes were constantly rippling.

And Fan Caiying was promoted to the director of the management headquarters of Huaxia Qianzhuang, Xianyang Qianzhuang naturally had to rearrange a steward, Fan Yan promised to arrange someone to take over as soon as possible after returning to Wancheng, so Chen Xu did not ask anymore.