"Play—play bigger?"

Shen Xiao blinked, looking at Han Yi uncertainly.

Han Yi nodded and gave a clear answer.

Shen Xiao's eyes shook from side to side, looking a little weak, and after a while, he said: "Han Yi, I know that your current business is very big, but I just want to do some small business, not to do the same business as you, I can't do it like you." ”

He is quite self-aware, as far as Han Yi's business is concerned, he doesn't dare to think about it at all, let alone do it, he doesn't have any ambitions, his wish is to play the world.

Han Yi smiled bitterly: "You misunderstood what I meant, I said to play bigger, not to gamble or anything, it's just that the kind of play you have in Yangzhou can't be played in Chang'an at all, and it won't last long." ”

Shen Xiao hurriedly asked, "Why?" ”

Han Yi said: "Chang'an dragons and snakes are mixed, very complicated, not as pure as the people of Yangzhou, there are many powerful characters here, if you just make profits, and it is a very low interest, this will hurt the interests of those landlords, they will definitely come to deal with you." In addition, that kind of profit is not a long-term solution, because the return is slow, and the uncertainty is high, this kind of play must be accumulated, that is to say, the money you release is just a drop in the bucket for you, and can only be used as charity, not as a transaction. In Chang'an, there is a large population, and there are many people who are used to borrowing money, if the interest rate is too low, you can borrow all your money at once, if you can't pay it back, or delay, what should you do? ”

Shen Xiao was stunned when he heard this.

He really thought too simply, Chang'an was an international metropolis, and the economy of the Tang Dynasty was almost all in Chang'an, whether it was class struggle. or the struggle of forces, it is much more complicated than Yangzhou, and the people of Chang'an have a much broader vision than the people in other places, Shen Xiao's set can be played in Yangzhou, and he may not be able to play in Chang'an, the key is that he does not have so much money to play.

Profit is profit. It's not to do good deeds, even if you can help people, there is also a purpose to help people, Shen Xiao is to do good deeds first, to do business, it is difficult to succeed, if you want to do business, you must buy and sell first, since ancient times, no one has started by doing good, generally after a successful career. to do good deeds and repay the society, Shen Xiao's move is tantamount to putting the cart before the horse.

"Then what do you think should be done?"

Shen Xiao looked at Han Yi in confusion.

Han Yi said: "The ones I taught you before, most of them just wanted to return Wang Bao's money to the people, and by the way, to the Wang family, I didn't think too much, but if you want to turn it into a deal." That has to be well planned. I wouldn't have suggested you do this before. But now is a good opportunity, and if you really like it, we can give it a try. ”

Shen Xiao hurriedly said, "Then you can say it quickly." ”

Han Yi smiled: "Deposit and borrow." ”

Shen Xiao blinked, not quite understanding, and said, "Deposit or borrow?" ”

Han Yi said: "To put it simply, the kind of profit you used to make. It is to lend money to the people, and then collect the benefits, so that a lot of principal is required, but if you do it in a different way. For example, let the people deposit their money with you, and we will pay a certain amount of interest to the people. ”

Shen Xiao was shocked when he heard this, and said: "How can this work, although the money is slow to return in the past, it is also profitable, but you are losing money, and it won't be long before I lose all of it." ”

Han Yi said: "If it's just like that, then of course it's so." But don't forget that if the people all deposit their money with you, you have a considerable amount of money in your hands, and if you can use that money to earn a return higher than the interest payment, then you are not earning. ”

"That's right."

Shen Xiao scratched his head and said, "No, no, the premise is that you have to make money, if you can't make it." ”

Han Yi said angrily: "Shen Xiao, isn't trading just to make money, if you can't make money, then of course you will have to lose, but think about it, if a person has a penny, you want him to earn a thousand yuan, how difficult is this, but if he has 10,000 yuan, you let him earn another 1,000 yuan, is it still difficult?" ”

Shen Xiao thought for a while and said, "Even if I use 10,000 guan to earn 1,000 guan, I may not be able to earn it." ”

If only he had the confidence he had in doing business with a woman. Han Yi said: "What did I just say, save and borrow." Saving is just to get the tools first, and borrowing is to use the tools to make money. ”

Shen smiled: "Borrow? Are you saying that this money is used for usury? ”

"Clever."

Han Yi snapped his fingers and said, "But it's not a loan shark, but a reasonable return." ”

Shen Xiao frowned and said, "It's not all the same, so what's the difference between us and the Wang family." ”

"The Wang family's kind of release, anyone will be forced to death by him."

Han Yi said: "But our borrowing is just to help people earn more money, so that he will have money to pay back to us, such as merchants." ”

"Merchant?"

Shen Xiao was stunned.

"Not bad."

Han Yi said with a smile: "That's why I said that you have caught up with a good era, and now the imperial court is encouraging the people to do business, relieving the pressure of land annexation, and to a certain extent, it has played a role in valuing business." That is, there will be more people who will invest in business, and as you just said, many people are forced to die by a penny, in fact, businessmen are not, some businessmen as long as they have the funds to tide over this difficulty, he will earn a lot of money, precisely because of the poor turnover, resulting in a failure, or even a broken family. Anyone can save money, but borrowing money is not borrowed by everyone, but lent to those who are eligible to repay the money. The difference is that the interest in saving money is not high, but the interest in borrowing money is very high, and the interest cancels each other, so the rest is what we earn. ”

In this way, Shen Xiao understood that the left hand entered, the right hand went out, the right hand entered, and the left hand went out, and between this entry and exit, he obtained his own interests. He smiled and said: "Han Yi, you are really smart, I can understand why you can become the owner of the market in one year." ”

Han Yi said: "Don't be busy praising me first, any trading is high-risk, there is no sure profit or loss, let's talk about it now is simple." But it's very difficult to actually operate. ”

"I understand that."

Shen Xiao nodded, and changed his words: "But this kind of trading is purely for making money, but I'm not too interested in making money, even if I'm the richest person in the world, I won't be happy because of it." I have helped others and been helped by others along the way, and when I help others, I feel very happy, and when others help me, I am very touched and grateful, and this is what I hope to do. ”

Han Yi smiled: "If you want to help others, you must first have money." The more money you have, the more money you can help others, and it is better to give people fish than to teach them to fish, you can't help them all the time, and of course this trade can also help people, just like people put their money at home for a year. But with us, the money will increase. That's what helps. In addition, we can add the kind of method you have in Yangzhou to it, but we don't focus on this method, but we can also lower the interest rate to some people in need in this way, and it is more standardized, so that it can last. It can also help more people. ”

"That's right! How I didn't think of that. ”

Shen Xiao's eyes lit up when he heard this, and he thought about it seriously, but he was still a little empty in his heart, and said, "Then what are you doing with me?" ”

"Of course."

Han Yi nodded with a smile and said, "Seriously." Actually, I've thought about this before, but it's too difficult, I'm still focusing on the market now, and everything else is simple, but even if you don't come today, I may try it in the future. Moreover, you also catch up with my plan for the development of North Lane, if we partner to do this, in the future, North Lane will be very transactional, as well as the plan, can be borrowed from our partnership for this transaction, which is also of great benefit to our North Lane.

But I have to tell you in advance that I am only 50% confident in this kind of deal, and the risk of failure is extremely high, but if we succeed, we will change the whole world. ”

Shen Xiao was shocked: "Change the world? ”

Han Yi nodded and affirmed: "Change the world." ”

Shen Xiao was a little frightened, at first Han Yi said that it was a big deal, he thought it was just a big deal, but he didn't expect that they were going to change the world. Said: "You're exaggerating, aren't you?" ”

Han Yi shook his head and said seriously: "It's not an exaggeration at all, I'm still modest." ”

"Huh?"

Shen Xiao shrank back.

Han Yi said: "But if you decide to do it, then you must give it your all, don't always think about hooking up with Meng'er and them, it's not easy for me to cultivate a talent." ”

"Don't you know me, I'm not hooking up, it's just a misunderstanding, I have to resolve the misunderstanding with them and get along with them."

Shen Xiao retorted depressedly, but then fell into deep thought.

Han Yi was not in a hurry, and slowly tasted the tea, in fact, what he said was the concept of the bank, which was just a prototype, this was a very, very advanced concept, and he was not sure, so he never tried, just when Shen Xiao talked about the matter of profit, he felt that he could try it, in fact, when he said this, he had already prepared to fail, but failure could come again.

Therefore, he is really not in a hurry, even if Shen Xiao does not agree, then postpone it and wait until the time is ripe.

After about a stick of incense, Shen Xiao suddenly got up and waved his fist and said, "Okay!" Let's do it. ”

After all, he is young and vigorous, not afraid of failure, he can't start over, and he can change the world with his good brothers. If it was Dou Yi and them, it is estimated that they would not have the courage.

Han Yi smiled: "That's good! Our first step is to put up the signboard on your first floor. ”

Shen Xiao was stunned for a moment and said, "Why is this?" Aren't we making profits, why are we going to the restaurant again? ”

Han Yi said: "Please, what is needed to borrow and save, is trust, you can't open your mouth, others will deposit money to you, first of all, you have to let people trust you, if you have a restaurant here, of course people will believe you, but if you have a bamboo stick in your left hand and a broken bowl in your right hand, a fool will not throw money into your bowl, the first step is to gain the trust of the people of Chang'an, but don't worry, I will help you in a very short period of time, so that the name of the first floor is famous in Chang'an." ”

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(To be continued.) )