At present, there are two Zhongshu orders in the Tang Dynasty, one is Fang Xuanling, and the other is Li Jing, who also serves as the secretary of the military department.

However, Li Jing generally doesn't care about the affairs of Zhongshu Province, his main responsibility is still the same job, and he is currently preparing for the war of going north to the Turks.

After getting off duty in the afternoon, Fang Xuanling and the eldest grandson Wuji and others found Li Yuanjing.

first told Li Yuanjing about the two resolutions at today's small court meeting, and of course hid part of the conclusions, on the one hand, observing Li Yuanjing's reaction, on the other hand, he was at a loss in his heart.

Although Li Shimin said that the sky is falling, what is the truth? No one knows about this.

"You tell us frankly, this money bank can really make money?" Fang Xuanling knows Li Yuanjing's character very well, and engaging in official relations with him will not lead to anything.

"Yes!" Li Yuanjing nodded directly and gave an affirmative answer.

"Give me an approximate amount, otherwise things will be really difficult to handle!" Fang Xuanling then asked.

"This depends on how much capital there is, 10,000 yuan, maybe you can earn one or two thousand yuan a year, maybe you can multiply it several times, how can you predict the ultimate benefits of doing business?" Li Yuanjing shook his head.

Of course, he knows how powerful the power of capital is, but can he tell these people that I can multiply it several times, or even dozens of times, in a year?

Of course not, those can only be done under the condition of extreme operation, and the current Qianzhuang is just a strategic layout for Li Yuanjing.

At present, the focus is still on various workshops, and it can only be said that piggybacking on the money village has some business, and it will not be too much.

"Don't talk about these useless things, just talk about how much money you can have for a 100,000 yuan a year!" The eldest grandson Wuji urged a little impatiently.

"How do you feel like you're going to invest?" Li Yuanjing rolled his eyes speechlessly, could it be that Li Shimin's own personal industry also needs the approval of the ministers?

In this case, this emperor is too boring, right?

"Although we don't pay for it, we also have a part!" The eldest grandson Wuji smiled proudly.

Li Yuanjing: ???

Co-author Li Shimin worked hard to compress his shares, just to divide the other shares?

If you don't win people like you, even if you want to win over, can you not cheat my brother?

I'm still so young, it's not easy to save some family business......

"The entire three provinces and six departments, accounting for a total of 20% of the share, the family occupies the other 20%, how to divide it has not yet been decided, but it is basically like this." Fang Xuanling glanced at the eldest grandson Wuji dissatisfied, and secretly scolded you.

Li Yuanjing was secretly silent, if the money village has the participation of the family, the trouble is troublesome, but it is not impossible, on the whole, it should be regarded as a good thing.

The premise is that the family doesn't make trouble from the inside, no matter what industry, as long as there are internal ghosts, it is basically impossible to make money.

Li Yuanjing thought about it and gave a relatively reliable answer: "If you have 100,000 yuan a year, the book profit is guaranteed to be 10,000 yuan, and how much is left after deducting operating costs needs to be calculated separately, and if you operate at the normal limit, you may have a book profit of about 20,000 yuan." ”

"Preservation of capital?" Fang Xuanling hurriedly asked, like this, the profit of one or two percent a year is actually not low for people who are not in business, and it would be even more perfect if they could protect their capital.

"Bao!" Li Yuanjing gritted his teeth and nodded.

He already has the idea of the operation of the bank, and the initial stage is particularly critical, especially under the premise that so many people are involved.

The first two years are necessary to make money, and not too little, which is the key.

And 100,000 yuan is not much money for a money bank, but it is not a small amount for a newly opened money bank.

"Good!" Fang Xuanling is satisfied now, at least this answer is not bad.

Asked this, Fang Xuanling suddenly remembered something, his eyebrows couldn't help jumping, and asked, "I heard that instead of asking for money, you pay back the interest?" ”

"Of course, you have to give, but you have to give it in different forms, for example, you have to deposit 100 coins, set a period of one year, if you don't take it out within a year, you can take it out again after one year, and you can take out 1003 coins at this time.

The interest is settled once a year, if you deposit a thousand dollars, set a period of one year, if you want to withdraw in advance after seven months of depositing, then the interest on this thousand dollars will be calculated according to one hundred and one, that is, ten dollars for one year, only seven months of saving, you can actually take out one thousand and five dollars, and the part less than one dollar is not paid, if you are withdrawing after one year, then the interest is thirty dollars.

If the deposit period is agreed to be two years, the interest can even be agreed to be one hundred and four, and the interest of one thousand yuan for two years is eighty yuan, which is 20 yuan more than a single deposit for one year and two years. Li Yuanjing explained the operation of the deposit.

This is the most profitable part of the bank, only relying on the little money injected by shareholders to operate, these people are waiting to starve to death, it is better to take the money to invest.

"Although the interest may not seem high, it has to be given anyway, and when you add expenses, won't this money be made up for with profits? Isn't it a waste of work? The eldest grandson Wuji looked at Li Yuanjing in a daze, this kid is not stupid, how can he do stupid things? Is it addictive to doing good deeds?

"Hehe, a regular year means that the money will not be withdrawn within a year, so the money can be used within this year, and after the operation of the bank, the money will be loaned out, and you can get at least 10% interest a year, earn back ten yuan, give three yuan to the people, and take seven yuan yourself, do you think it will be a loss?" Li Yuanjing smiled, feeling that these two silly Bai Tian were really silly Bai Tian.

Knowing that the money bank is going to lend, can't you think of using private funds to earn a price difference?

A hundred dollars to make seven dollars, it seems insignificant, but what if it is ten thousand hundred dollars, ten million hundred dollars?

Money is a credibility organization, as long as the credibility is there, how much money can be earned, if the credibility is gone, it may fall in an instant.

"What if you lose it? How do you explain to the people? Fang Xuanling thought for a moment and asked.

"Then why do you think I'm pulling His Majesty along?" Li Yuanjing smiled and showed a smile that was in line with socialism to the two of them.

Fang Xuanling and Eldest Sun Wuji were suddenly stunned, and then pointed at Li Yuanjing speechlessly, and scolded with a smile: "You, you, the old man thought that your King Zhao had a bad brain, but I didn't expect it to be so shrewd!" ”

The two of them have thoroughly understood Li Yuanjing's layout, and it can be said that the benefits are very rich, if they are not worried about breaking their teeth, both of them want to take a bite in person.

Qian Zhuang can definitely make money, and now they don't doubt it much, even if the money is only lent to Li Yuanjing himself, it will still make money.

Moreover, His Majesty has recently had the idea of supporting business, which is bound to stimulate private business, and there will be no shortage of customers in need of loans.

As for the worst-case outcome, what if you lose it?

Li Yuanjing has already said very clearly, even if he can accept the loss of money and close the door, Li Shimin will not be able to accept this result, even if he uses the money from the treasury to make an emergency, Li Shimin can't watch the Qian Zhuang fall, not only the Qian Zhuang at that time, but also the emperor, and even the entire Tang Dynasty.

"Don't worry, the most difficult part of the operation of the money bank is how to control the risk, as long as you grasp this degree and you are not greedy, you will basically not lose." Li Yuanjing released a reassuring pill to the two of them at the right time.

At the same time, a middle-aged man in an official uniform walked over with an anxious face......