The current Li Chengqian is somewhat embarrassed, and the suddenly rising money village was handed over to him by Li Shimin, and Li Chengqian also knew that this was a test for himself.

In addition, there are some think tanks around him, many of which come from the top with intentions, and these think tanks will tell Li Chengqian after analysis.

Although Li Chengqian's heart is unstable, he still has wisdom and talent, so he chose to believe in the advice of the think tank, work steadily and steadily, and run the money bank with an attitude of not seeking merit but seeking no fault.

But now Li Chengqian found that this was far from enough, the imperial court was a bottomless pit, and there were huge problems in the operation of the money bank itself.

In the hands of Li Yuanjing, it is obvious that he can still make money, but in the hands of Li Chengqian, he does not say that he loses money, but he can't make any money, and he can barely be self-sufficient.

However, with the expansion of the scale in the future, the personnel will officially join the office, and if Li Chengqian cannot solve the financial problem at this time, the subsequent things may be delayed again and again, and Li Chengqian will be the most affected.

Although he is also working hard, in the face of the example set by his predecessors, Li Chengqian's efforts are far from enough.

"Uncle Wang, Qianzhuang didn't rush in, but the problem now is that it is a little too conservative, this is just a place in Guanzhong, if it is promoted nationwide in the future, continue to follow the current way, I am afraid that it will not be able to make ends meet!" Li Chengqian sighed deeply.

"Conservative?" Li Yuanjing was stunned, can the plan he formulated be called conservative?

If you can stick to it, don't say too much, it will not be a problem at all for the net assets of the money bank to increase by 10% in a year, right?

Don't underestimate this, the base of the money bank is there, counting savings or something, at least it is tens of millions of dollars, isn't the profit of millions a year enough? And that's just the beginning.

Looking at Li Yuanjing's expression, Li Chengqian lowered his head slightly embarrassed and twisted: "That's the case...... After Uncle Wang left Qianzhuang, the palace shrank some business, mainly because he had not experienced it, he had no confidence in these things, and he didn't dare to mess around......"

Li Yuanjing now understood why Li Chengqian was conservative, not to mention that the plan he had formulated was just right, but in order to prevent accidents, he was originally at a slightly lower level, that is, he was a little more radical on the basis of conservatism.

Everyone has no experience, and at the beginning, Li Yuanjing also felt that he was steady, and he would think about other things when he had enough experience.

But I didn't expect that after he left, Li Chengqian cut some business, as for how much Li Yuanjing cut for the time being, it is not clear, but conservatism is certain, it is a critical value, and if you move it casually, there will be a huge contrast on the books.

Then Li Yuanjing asked about the current situation, and as Li Chengqian listed the current business of the money village one by one, Li Yuanjing kept frowning.

The current money village gives him only one feeling, that is, stable, so stable, so stable that even Li Yuanjing feels like an old man who knows the destiny of heaven.

"It's too conservative, if you continue like this, it is really possible that the money bank will not be able to operate!" Li Yuanjing nodded secretly.

At present, there are only three aspects left in the business of the bank, storage, lending, and investment!

The storage is not refused, and continues to operate according to the previous model, but the lending has shrunk a large part, which adds a hard condition, the loan store assets shall not be less than 2,000, and the operation shall not be less than five years, no bad history!

This hard condition has blocked many people, either because the assets are not enough, or the years are not enough.

In this year's business, if the assets can reach more than 2,000 yuan, they basically don't need a loan, unless they have the intention to expand their business, but this part of the people is very likely to have less than a business life, because 2,000 yuan is really not too difficult for them.

The investment is even more nonsense, Li Chengqian focused on the weaving workshop and the cement workshop.

How to say, the weaving workshop is quite stable, but now the profits are compressed is not much, the money village needs to invest a lot of money to get a pitiful number of shares, and then sit and wait for a little dividend every year, five years of dividends may not be able to get back the investment capital.

Of course, this is a long-term investment, as long as you survive the past few years, the back is the net income, for the money bank, this kind of investment is obviously the most suitable, although the income is not too high, but it is better to be stable.

"What do you do in a cement workshop? Did the imperial court intend to open it to civilian use? Li Yuanjing asked very puzzled.

"Not yet, but it will definitely open in a few years!" Li Chengqian shook his head.

"You, you're still too anxious, although the cement workshop can also make money, but now you directly invest two million yuan, when will you get the benefits? This money is not your own money, but the money of the depositors.

What's more, the cement workshop can't see any income at all now, and your two million yuan is equivalent to smashing into it to promote the development of the cement workshop, but it will not be of any benefit to you at all.

And in case of another run, where are you going to do these two million? Li Yuanjing shook his head speechlessly.

At present, the main task of the cement workshop is to supply military and official use, and because it is its own thing, the imperial court is also very picky when paying for the goods, basically giving them the normal expenses even if they give money, that is to say, the court only gives enough wages to the workers, and then maintain normal operation, and don't even think about dividends or anything.

Although he was speechless, Li Yuanjing still decided to tell Li Chengqian his thoughts.

"Whether it is an individual or a bank, but when it comes to investment, the first thing to look at is whether you can see benefits in the short term, and what are the future prospects of this industry? The future prospects of the cement workshop are still good, and as the imperial court becomes richer and richer in the future, it is impossible to keep pressing the payment so hard.

But these are all future prospects, and the current policy of the imperial court determines that there will be no income in the short term, so when this happens, it is possible to invest, but the amount of investment must be controlled, invest a hundred and twenty thousand to occupy a position first, and slowly wait for him to develop and grow.

And the other is determined by the status of the money village itself, after having a rank, the money village is also an official, they can easily know whether the imperial court has the idea of developing in this area, if there is, you can increase the investment holdings, the investment at this time is predictable, and you can get the benefits in the near future.

It would have been good for you to invest 2 million guan, but the problem is that now the imperial court has no intention of opening up to civil use, and as a result, your 2 million guan is trapped here, and you can only use the dividends of the weaving workshop to fill the pit of 2 million guan, which is equivalent to you directly wasting 3 million guan of funds. Li Yuanjing said seriously.

Li Chengqian looked at Li Yuanjing with a somewhat pale face, three million yuan, that's it, if so much money is messed up by him, the consequences can be imagined.

Li Chengqian expected this kind of consequence, so after Li Yuanjing came back, he immediately put down the prince's face to invite him, and shamelessly asked for advice.

Although Li Yuanjing said the key to many things, he also pointed out the mistakes of his operation this time, if he did it again, Li Chengqian felt that he should not make such a mistake again.

But......

This is far from enough, he has also analyzed these mistakes before, even if Li Yuanjing doesn't say it, it won't be long before he can completely analyze it, what he wants is the way to get out of this predicament!

"Please Uncle Wang teach me ......"