"What the poor Dao said, don't be disappointed, as you yourself just said, you are indeed not qualified to borrow 10,000 yuan ......"

Master Zu's voice rose slowly, lingering in the room without hurry, obviously sounding as immature as a child's voice, but it gave people a soothing and soothing taste of kindness.

The man nodded subconsciously and muttered, "Yes, I am not qualified, if I had been qualified, I would have borrowed it a long time ago." ”

If he had been qualified to borrow money, he would not have watched his three children die, and the four words of the child's death are very simple in the book, but for a father, the sky is falling.

People are so poor that living is already a kind of struggle and torture.

The man's face was full of pain, and anyone could feel his sorrow coming from it.

Only Master Zu's face remained unchanged, and he suddenly said leisurely: "However, you are not completely unqualified. ”

Uh-huh?

These words made everyone in the room stunned.

But seeing Master Zu sitting cross-legged on the counter, a pair of dark eyes seemed to be as deep as eternity, and said: "How much ability a person has, how much responsibility he should bear, the world is ideal, and the same is true for borrowing money, as a poor poor household, it is impossible for you to bear a debt of 10,000 yuan, so because of this, the poor Tao said that you are not qualified, but ......"

Suddenly, he smiled kindly at the man, and said conclusively: "You have the qualifications to borrow ten times!" ”

"Borrow the qualifications of Shikan?"

The man was slightly stunned, and the people in the house were also a little puzzled, and Li Shimin in the corner looked thoughtful, but he couldn't grasp the intention of Master Zu for a while.

Li Yun explained softly next to him: "This is a rule, but also a code, the banking industry, operating money, if there is no strict rules as a clause, then once it is popularized, it will not take a few years to collapse, when Shang Ying changed the law of the city gate pillar, and rewarded the first person to carry the pillar as a model, although we also have to set up a model to open a bank, but this model must follow the rules at the beginning of the erection." ”

Li Shimin was even more thoughtful, and muttered: "I understand it, this is a protective restriction, even if the bank urgently needs to erect a model, it can't break the rules of lending money to people, for example, what the Ziyang Immortal Master said, how much ability a person can bear how much responsibility he has, this man is poor, he is absolutely not qualified to borrow 10,000 yuan, if he lends him 10,000 yuan in order to set up a model, it is equivalent to the bank has already planted a disaster before it starts." ”

"That's right!" Li Yun took a breath lightly and said with a low smile: "If a poor person borrows 10,000 guan today, there will definitely be other poor people who want to borrow so much in the future, but 10,000 guan is not of great significance to the poor, not because they are afraid that they will not repay the money, but because they cannot give full play to the effectiveness of 10,000 guan." ”

Li Shimin nodded in approval.

At this time, I only heard Master Zu speak again, and said to the man: "You have the qualifications to borrow ten times, do you want to borrow this money?" ”

The voice of inquiry is very kind, giving people a kind of kindness from the elders encouraging the younger generations, obviously the appearance of the ancestor is as immature as a child, but everyone has the illusion that this is my grandfather.

The man also had this illusion, but he still had hesitation on his face, and after a long time, he said: "I can't figure it out, why do I have this qualification, ten times the money is not a decimal, how can it be lent to me for nothing?" ”

When his three children were in trouble, he couldn't borrow a few hundred yuan if he wanted to, but now someone said that he could lend him ten yuan, and this strong contrast made him hesitate.

After all, ten yuan is really not a decimal number, converted into copper coins is almost equal to 10,000 yuan, how can a person who was once unqualified to borrow a few hundred yuan suddenly be able to borrow ten times more money?

"Hehehehehe!"

Master Zu suddenly laughed, and said leisurely: "It's a good thing that you hesitate, but as the head of Bohai Li Bank, Poor Dao will not have the slightest deviation in my words, saying that you have ten yuan qualifications, you will have ten yuan qualifications." ”

These words aroused everyone's curiosity, and even Li Shimin couldn't help but prick up his ears, only Li Yun knew everything, so he just hid in the corner and kept silent.

The man was obviously a loyal person, and suddenly solemnly bowed to the ancestor and said, "Dare to ask the little shopkeeper, can you make it clear." ”

"Yes!"

Master Zu did not hesitate and nodded directly.

After nodding, his tone was calm, saying that he wanted to explain to others, but he opened his mouth to ask a question, and asked the man: "Poor Dao will ask you three questions first, these three questions are the origin of your qualifications, the first question, what is your identity now?" ”

What am I who I am now?

The man was slightly stunned, and didn't know how to answer for a while, this question is too broad, and it is indeed difficult to answer, asking what the identity of the person is, in fact, there are many answers, such as answering that he is a farmer, such as answering that he is a husband, answering that he is a father, and answering that he is a Li Min.

Li Yun suddenly spoke, hid in the corner and said: "This man's identity is very simple, he is now a citizen in Bohai City, not only has established an identity household registration, but also has a family. ”

"Good!"

Master Zu nodded in praise, and seemed to be very satisfied with Li Yun's intervention of 'watching the lively idle man', and the man was guided by Li Yun, and quickly nodded and replied: "What the little brother said just now is right, I am now a citizen in Bohai City, with a household registration and a family. ”

"Good!"

Master Zu praised again, as if a few were satisfied, and suddenly said: "The second question, do you talk about faithfulness?" ”

This time, without Li Yun's guidance, the man straightened his chest directly and said loudly: "Although I Tianqi is poor, I have never been deceived as a man, a mouthful of spit, a nail, if I don't even talk about faith, what is the difference between it and a beast." ”

"Good!"

Master Zu still praised it, and then asked the third question, "Last question, are you short of money?" Why is there a shortage of money and what is the use of borrowing? ”

"This ......," the man hesitated.

This last question is actually three more questions.

Fortunately, Master Zu didn't seem to want him to answer, and Master Zu himself suddenly smiled and said, "You are short of money, very short of money." Why is there a lack of money, because of poverty. As for what you will do with the borrowed money, you already know your desires here. ”

The man was stunned and looked at Master Zu.

Master Zu smiled again, and said leisurely: "First of all, you have a sick wife in your family, the sick, the root cause of the collapse of the family beam, if you are ruthless, you can drive the sick wife away, but you are loyal, you will want to heal your wife, so the first purpose of your borrowing money is to catch medicine." ”

The man couldn't help nodding, and everyone in the room couldn't help nodding, all of them were loyal and honest people, and they all felt that the ancestor was reasonable.

Only Li Shimin was expectant, clearly waiting to hear the next use, the emperor heard it very clearly just now, and Master Zu used a word called 'first' when he spoke.

Sure enough, I only heard Master Zu say again: "There is another purpose, you borrow money to make money." ”

Borrow money!

Make hay!

It does seem to be in the same vein.

After having the principal, you can do things to make money, Li Shimin was a little disappointed with this use, the emperor thought that the ancestor could say what kind of advanced use.

How do you know that the man looked longing, and couldn't help but ask Master Zu: "Then do you know what I want to do?" ”

"Hehehehehe!"

Master Zu smiled mysteriously and said lightly: "Naturally, I know that it is written on your face." ”

The man was stunned again.

However, Master Zu didn't explain this, but suddenly returned to the topic just now, and said softly: "I just asked you three questions, in fact, it is your qualification to borrow money, and you still don't understand it, and everyone present also doesn't understand, since this is the case, I will talk about it in detail." ”

The man hurriedly stood upright, and those curious people also held their breath, even Li Shimin subconsciously stretched his neck and pricked up his ears and waited with his eyes pricked up, the emperor himself didn't know how cute he looked like this.

Li Yun wanted to laugh, but he was afraid of being beaten by Li Shimin.

But I saw that the ancestor exhaled a breath and said to the man: "Fang Cai asked you about your identity, and you replied that you are a resident of Bohai, and this alone is in line with the rules of bank lending, but all the people of Bohai are eligible to borrow from the bank, but there are many ways to borrow, so Poor Dao asked the second question, can you be a trustworthy person, you have to answer solemnly, your eyes are clear and pure, so Poor Dao determined one thing, the way you borrow money from the bank is a credit loan." ”

In fact, these words already have some words for later generations, but Master Zu's eloquent words make people understand as soon as they hear them, Li Yun was amazed in the corner, what he lacked was this ability to popularize knowledge.

The man clearly understood, and couldn't help but speak: "Credit loan? ”

"Yes, credit!" Master Zu nodded, and said in a gentle drizzle: "This is the name of a loan, you can keep it in mind, Bohai Li Bank, can put the world's loans, there are a variety of loan methods, this kind of credit loan is the most suitable way for you, as for other mortgages, guaranteed loans, one needs to be mortgaged by real rights, and the other is that the loan money is larger, and the poor Dao knows that you still live in the mortgage courtyard, so it is not suitable for mortgage and secured loans." ”

These words are closer to later generations, but because of the early foreshadowing, everyone can understand it, and the man even went one level further, and couldn't help but blurt out: "I thought of it, my courtyard mortgage is also a loan, which is the benevolent decree of the lord of the country, and it is actually a kind of loan to people." It's just that he lent out the house, allowing us to pay it back slowly for the rest of our lives. ”

"Yes, the children can be taught!"

Master Zu nodded slowly and praised the man.

Immediately picked up ten strings, raised his hand to support the palm of his hand, his eyes were still dark, but let the man see the desire.

"This people, do you dare to borrow it now?"

Master Zu's voice was like a breeze pushing the sails of a ship.

The man did not hesitate, and finally nodded solemnly.

Since then, the first business of the bank has been successful, both erecting a model and popularizing knowledge, and most importantly, standardizing the rules for borrowing money.

Borrow whatever qualifications you have.

Li Shimin was greatly impressed, and this matter can be used as a reference for governing the country.

And Li Yun's purpose of opening a bank can be regarded as a small and successful step, with the help of the bank, he and Master Zu's planning can continue......

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