"Money business?" Chromium couldn't help frowning when he heard this, he thought for a while and said: "In the past, when I lent money to others, I made a little profit with a profit of three or five cents, but now the emperor has asked to reduce the interest on the loan to a maximum of no more than one cent, and the business of the money bank can only be regarded as a walk, and it is difficult to make money!" ”

Tianqi looked at Chrome with a smile and said: "It turns out that Uncle Sanwang used to let go of three or five points of usury, it seems that my Dongchang, Neiwei and Jinyiwei are all eating dry rice, and they actually ignore the fact that Uncle Sanwang is exploiting the people."

The eunuch of the internal guard and the leader of the Jinyi guard next to him immediately knelt down and said, "The ministers are derelict in their duties, please punish the emperor!" ”

When Chromium heard this, his face changed greatly, and he hurriedly stood up and explained: "Your Majesty, the minister just heard that there is such a thing, and the minister himself has absolutely no usury to exploit the people, please let the emperor know!" "After speaking, you should also kneel down and ask for sin. The latest free chapters of the book can be found here.

Apocalypse hurriedly stopped Chrome and said, "Uncle Sanwang, please take a seat, I just said that." After speaking, he waved his hand to let the kneeling eunuchs and Jinyi guards get up, and then said: "Don't be nervous, everyone, this is the big iron company, and it is a place where you don't need to kneel." However, everyone should understand their responsibilities, correct their mistakes, and remind themselves not to make mistakes at any time. ”

Seeing that everyone was respectful, Tianqi said: "Uncle Sanwang began to say that he didn't make money if he lost three or five points of interest, and he considered the problem from the position of wanting to make money, so he felt that one point of interest was too low." If I think about it from a different standpoint, I think that every cent of the profit is very high. ”

As soon as Chrome heard the apocalypse say this, he opened his mouth and asked, "What kind of whimsy does the emperor have?" ”

Tianqi shook his head and said, "I don't have any wonderful ideas, I just know one truth, that is, cooperation that is beneficial to each other can achieve long-term cooperation." For example, if you slaughter a hen, you can only eat two meals, if you feed it food every day and let it give you eggs every day, it is beneficial to both people and chickens. ”

Li Qiyuan said: "What does the emperor mean by a long stream of water? Or is it small profits but quick turnover? ”

Apocalypse nodded and said: "Whether it is a long stream of water or small profits and quick turnover, that is only one aspect, what I really mean is that everyone must understand their own identity and responsibilities∞ to start speaking, whether it is an official or a businessman, they all do things for me." So who am I doing things for? One is for the ancestors to pass down the country, and the other is for the people of the world. So in the end, everyone is doing things for the country and the people, and it is not difficult to make money if you understand this. ”

Chrome smiled bitterly: "Your Majesty, the minister understands what you mean, but the minister still doesn't understand how to earn silver." ”

Tianqi shook his head and said: "Uncle Sanwang doesn't understand how to make money, so he doesn't really understand what I said ♀, there are two ways to spend money, one is the way to spend money that you don't want to spend and it is very distressing to spend, and the other way to spend money is the way to spend it comfortably and want to spend it∞ which means that we should avoid distressing ways to make money, and it is still resentful to do it once and twice. What we should do is to make people spend money willingly and not spend unpleasant ways to make money, so that is the long-term solution. ”

Li Qiyuan nodded hesitantly after hearing this, shook his head, and finally said: "There is some truth in the emperor's words, the minister seems to understand something, but after thinking about it carefully, he doesn't seem to understand anything, please tell the emperor to be specific." ”

Apocalypse nodded and said, "It's still the same sentence, let's not always think about how to make money on the people, we have to think about the problem from the perspective of their service, and think about what they need most." Starting from what they need most, we also make money while solving problems for them, and we can benefit both sides for a long time. For example, in the matter of opening a bank, there are three things that the people need most: first, they can borrow money in a crisis, and the interest rate cannot be too high; second, if you have money, you can have a place to store it, and you can get some interest; Third, there is a need for a safe way to carry money; Only by making a fuss from these three points can it be profitable. ”

Chromium thought for a while and said: "The emperor has a point, if they all lend money at three points and five points of interest, the business is almost the same, and there are no repeat customers." If there are many people who borrow at low interest rates, the profit is not necessarily as good as high interest, and it can also leave a good reputation, the emperor is amazing! After speaking, he looked at the apocalypse with a smile.

At this time, President Cao of the Huguang Chamber of Commerce said: "The emperor knew what he meant, and he tried to do it, but in the end, he had to give up. ”

Apocalypse said, "Tell me how you did it, what difficulties you encountered, and wouldn't it be good to solve them?" ”

Chairman Cao said: "What we want is to lend at a lower interest rate than ordinary banks, and a little higher than the interest rate deposited by ordinary banks, and issue large amount of silver bills for customers to carry." However, the first is to have a large capital, if the capital is small, and the loan is empty, it will be troublesome to encounter a run; The second is to see accurately, if someone borrows money and goes bankrupt or even dies, they can only consider themselves unlucky; The third is to have a good relationship with the government, otherwise anyone who is an official can come and take a bite. ”

Chromium listened to President Cao's words and said disapprehantly: "What you said was in the past, don't forget that now the big iron company is the emperor's master, and the cost of the problem does not need to be considered, the whole world is not the king's land, who can be greater than the emperor's capital?" As for the extortion of the government, now you are looking for someone who dares to blackmail the emperor to come out and show everyone? It's just that the borrower should be careful when he goes bankrupt, and if he dies, he can't ask the dead man for money. ”

Tianqi said: "Before borrowing, the borrower should find someone to guarantee or guarantee with real estate such as land and houses, and only such people will lend to him, and those who have no money should let him not borrow money to do business. However, Chairman Cao's view is still a little different from my thinking, what I mean is that I can't just look at the rich big merchants, the money on the ordinary people is used well and the money is bigger than the big customers. ”

Chairman Cao asked puzzledly, "How is the emperor going to make money on ordinary people?" Or how is the emperor going to serve the common people? ”

Tianqi said: "I am going to take three steps, one is to build roads to connect the provincial capitals, and to ensure that the provincial capitals are connected to carriages, so that the provincial capitals can carry out access and exchange business, which is equivalent to robbing the business of the dart bureau to escort the silver two, and only allow them to escort the goods in the future." The second is to build roads between the state capitals, or to ensure that the carriage is passed, and the third is to build roads in various counties, so that the people of the whole country can easily access their own silver∵ where they do not need to bring cash, only need to explain how much of their own silver exists where to take it, and at the same time we can also charge fees to make money, which is not small. ”

President Li of the Shanxi Chamber of Commerce said: "The number of silver tickets of large households is huge, and there are many handling fees, and there is nothing to run for a large amount of handling fees, just like the emperor said, it is equivalent to robbing the business of the dart board without being robbed." The amount of exchange by ordinary people is small, and it is not cost-effective to make a special trip, so what should they do if they want to deposit it in place A and take it in place B? If you collect more, others don't do it, you don't collect much, and it is difficult to do business. ”

Tianqi nodded and said: "President Li has to make sense, but since it is an ordinary person, there are not many silver taels, and there should be nothing to run a trip every three or five days or ten days to reconcile the account, and it is not that there is anyone else who is making a mistake in it∞ what is important is the exchange of these small traders in different places, they save the wall silver, we get the handling fee, and everyone cooperates with each other, although the single profit is small, but the amount is huge, and the income should not be small." ”

Seeing that everyone nodded, Li Qiyuan said: "Although this is good, there are two problems, one is where does the money for road construction come from? That's not a small amount. Second, where to find so many people to run the bank? It is not a small number that all provinces, states, and counties have to employ people. ”

Chairman Cao looked at the apocalypse and said: "I don't dare to say how to build the road, but if the company needs people to fall down, there are ♀ a lot of money banks in the country, and now the emperor has lowered the interest rate, and their lives are also sad, it is better to swallow them up and bring all the business, I don't know what the emperor thinks?" ”

Tianqi smiled: "It's not a good idea to annex others, but if they can't do it, it's still good ♀ to be willing to sell the business to us, I now have a total of sixty percent of the shares with the original shares of the imperial court, and if there are too many, it's not a good thing to sell 30 million shares." You can tell those who want to continue their money business that if they are willing to join the Great Iron Company, they can exchange their silver for shares here. ”

When Chairman Li and Chairman Cao heard this, their eyes lit up and they exchanged colors with each other, and even the chrome made a thoughtful look, and it seemed that they were a little moved by the 30 million shares sold by the Apocalypse. It seems that this shows that they are really rich, the second is that they have faith in the apocalypse, and the third also shows that they are people who remember what they eat and don't remember, and they forgot to worry about their own capital before they came.

Tianqi smiled slightly and said: "The earliest shares are called original shares, that is, 10 million silver for 10 million shares. Now after the efforts of all shareholders, it is no longer possible to exchange the price of the original shares for shares, and whoever wants to buy it must exchange 20 million silver dollars for 10 million shares ♀ or the current price, and it is difficult to say whether it will rise to five for one or ten for one in the future, but who thinks it is expensive can not buy. ”

Seeing that the two presidents of the Chamber of Commerce, Cao and Li were depressed, Li Qiyuan laughed on the side: "The minister congratulates the emperor on making a fortune, but the emperor hasn't said what kind of silver is used to build roads and mine, I don't know if the emperor is going to sell shares to build roads or mining and selling money to build roads?" ”

Tianqi said: "I remember that Master Li knocked on my bamboo pole back then, and now as soon as you say congratulations, I am afraid that ♀ Lu Zhen is going to hire local people to repair it, which can not only solve the problem of lack of manpower, but also give some benefits to the local people." As for mining, I mean that Big Iron doesn't mine. ”