"Officials want to build roads in northern Sichuan?!" Fuki, who was curled up in a man's arms like a cat, immediately widened her eyes when she heard this command. It is easy to say that increasing the commercial exchanges between Ganliang Road and Sichuan will not solve the road problem?

"If you want to get rich, build roads first...... But this time, don't let us come forward to repair with great fanfare, let the people do it themselves, a small section of repair, and the multi-head progress will not be much slower. ”

This woman is so lovely, tough and brave and sleek, bold and careful, bold and courageous, ambitious and obedient. Some of these qualities were cultivated in the palace, some were forced out in the smuggling caravan, and some were due to her nature.

Therefore, although she is older, poorer, and low-background than the other wives and concubines, she can still occupy a very important weight in the house, and few people will make irresponsible remarks about her.

"Whoever comes to repair it is a big expense, I'm afraid the income of Ganliang Road is not enough, if you count the camel team, the government will lack a lot of income, and the officials will also use the money, right?" Whether it should be repaired and how to repair Fu Ji are all arranged by the husband, but what to repair must be clarified.

"Don't worry about the house, a large amount of money will be credited to the account soon, although it is not ours, but it is enough to use it for turnover. I'll say it again, don't go in person, not once, if I find out, you won't want to show up for the rest of your life, you can only teach your husband and children at home, understand? ”

Dare to open his mouth and let Fu Ji and Zhou Ri repair the Shu Road that is difficult to go to the blue sky, Hong Tao will not fail to calculate the problem of money and food. The large amount of money and food he said was in the accounts of the personal storage business that Shunfeng Post Office was promoting.

Since ancient times, the money in the hands of ordinary people has not been put in jars, dug pits, buried and hidden, or they have bought houses and land for future generations, and there is no other investment channel.

The common people are like this, but in fact, the businessmen are similar. They are constrained by industry barriers and transportation conditions, and it is difficult for them to invest in other projects, let alone do business nationwide and even around the world. The funds in your hands are often the only way out to buy a house and buy land, or you can spend a lot of money on luxury to enjoy it.

Some businessmen want to expand their business, but they have no money to continue to invest, so they can only save slowly, and they lose the opportunity to make money in vain. Go to private loans, the profits are too high, or the profits are rolling, and they can't be used for long-term business at all.

Only bureaucratic capital investment channels are a little more, just like Queen Pang, she can buy and sell whatever she can see to make money. Big bureaucratic capital has the way of big capital, and small bureaucratic capital has the way of small capital, but after all, it still relies on power to bully people.

The Song Dynasty was already regarded as the most developed financial industry in the Li Dynasty, and state-owned financial institutions such as the Arrival Office, the Exchange Library, and the Inspection and School Treasury appeared in the big cities, which were similar to the national banks, stock exchanges, and trust institutions in later generations.

It's just that most of these institutions are oriented to state institutions and large transactions, and ordinary people and small businessmen have no access to them, let alone investment. It's like the individuals of later generations, even if they go to the financial street, they can only stare at the high-rise buildings on both sides, and they don't have fun.

The personal deposit business launched by Shunfeng Post Office is to break this pattern, so that private capital can be activated, and the copper money in circulation is always more valuable than the copper money buried in the jar.

It doesn't matter if most people lack investment vision, Hong Tao has projects that can make money, not only in China, but also in Central Asia, Japan, Southeast Asia and even the territory of the Jurchens in Liaodong, and there are no industry restrictions, from needles and threads to ores and timber, and even ships and cannons can be bought and sold.

In this case, the source of funds is a big problem, and Hong Tao's family foundation alone is far from enough. At this time, he remembered the ancients again, didn't he say that everyone gathered firewood and the flame was high, and there was a ready-made capital operation model of the bank in later generations, so why not use it?

Shunfeng Post Office is used for this, first through remote exchange to obtain a certain amount of credit in the people, and then quietly reach out to everyone's wallet. This is the same as nest fishing, if you don't gather all the fish, just rely on the bait on the hook, which life can have a fish bite the hook.

A Huangzhou gold coin is put at home for a lifetime, at best, it is still a Huangzhou gold coin, and it has to be depreciated in time for famine or war. But as long as you deposit it at the Shunfeng Post Office, Huangzhou Bank, or Daimyo Bank, you can get dozens of extra copper coins out of thin air every month.

For ordinary people, this less than half of the dividends is a lot, and it is easier to attract thieves than leaving money at home and nothing.

If your deposit reaches a certain amount, you can also participate in the regular principal-protected rebate storage program. The dividends obtained are not only half-formed, but can reach up to 50% according to different projects and different periods, and about 30% at the low point.

This deposit model is actually a capital preservation wealth management project in later generations, and the bank will take the people's deposits to invest, and after obtaining high returns, a part of the dividends will be distributed to depositors.

To put it bluntly, the bank can make money by finding a project, but it doesn't have enough money on hand, what should it do? Raising funds and putting together the people's money is not enough. Some of the money earned is returned to depositors as dividends, and most of it still falls into the hands of banks.

In this process, in addition to bearing part of the repayment risk, the bank is basically a white wolf with empty gloves, and it doesn't even pay a penny, and it all relies on other people's money to make money.

In fact, it is possible for individuals to play like this, but the fundraising area is too narrow, and the credit guarantee is not enough. In the case of a bank, it has established credit because of other businesses, and has certain assets that can be paid, which is relatively reliable. If there is another endorsement from the government, it will be taken and taken away, and whoever is blind will be fooled.

Of course, Hong Tao is not so ruthless, and he doesn't want to fool the money in the hands of ordinary people. His purpose in doing this is not entirely to make money, but still to pull more people onto his own thief ship through this means.

In addition to businesses aimed at individuals, post offices and banks have also introduced small mortgage business loans for merchants. This business is not too new to the Song people in some places, and the Huangzhou Bank and the Daimyofu Bank have engaged in small agricultural loans since their inception, and the meaning should be similar.

It is indeed much more suitable than ordinary private lending, and it is only 30% of the money for a year, but there are more strict loan approval procedures, and it is also necessary to provide equivalent value of property or real estate as collateral to ensure that the lender will not lose money.

People dare to borrow usury, and there is no shortage of customers for this kind of low-interest loan. Of course, there are plenty of risky gamblers and charlatans to try their luck at first. But they soon find out that trying to meet the loan conditions of the Shunfeng Post Office is really not something that can be fooled by a few words.

Each post office has a professional review team, and every loan application approved by the counter is subject to a more rigorous review by the review team, including an on-site inspection, which is not easy to hide from these people's eyes.

Take 10,000 steps back, even if you hide the counter and the audit team, you can successfully get the loan to squander, and you can't repay it when it expires. That's the money, it's your money from selling your body, and unless you die, you'll be caught one day.

Some people will throw away a part of their body to become a visible cripple, which must be particularly obvious, and then throw it on the busy street to be judged by others to have a deterrent effect.

The rest would be transported by sea ship to an unknown island where they would work as coolies for the rest of their lives, until they died of exhaustion without a single graveyard, and their bodies were mixed with whale bones and thrown into a kiln to be calcined into powder.

Of course, most of the people who can get a loan through the examination still have a legitimate purpose, and most of these people will become businessmen, and then they will be inseparable from the post office system.

Some of these self-made businessmen may be small, and some may grow up slowly, but whether they are big or small, they will affect the people around them, so that more and more Song people know that living a good life depends not only on hard work, but also on the help of post offices and banks.

When more and more Song people embarked on the road of merchants, Hong Tao's thief ship added a very energetic, energetic, and courageous class, they were not like the peasants who were accustomed to going against the grain, and whoever wanted to take money from their pockets really had to work hard.

So what benefits can the owner of the thief ship get from Hong Tao? It's very simple, force! Or call it rights.

The more people on board, the more people have a common interest, and whoever tries to sabotage the ship again will be the mortal enemy of everyone on board. If there are enough people on board, there will be a qualitative change from quantitative to qualitative, and the ship will no longer be a thief ship, but a government!

Will these new businesses be patronized? Facts have proved that the credit of these years has not been saved in vain, and many growers, herders, pioneers and traders are willing to put their money in the bank or post office to enjoy the dividends.

Although it was not up to the level of enthusiasm of the people at the beginning, as long as you calm down and wait slowly, the monthly dividend payment is a living advertisement for the deposit business.

After three months or six months, people who see others taking money from the post office on a monthly basis can't help but try it. This kind of thing has always spread at the speed of light. Of course, the premise is that the depositors' deposits must be safe, otherwise the bad news will spread faster than the speed of light.

With these deposits, Hong Tao no longer has to worry about financial problems. In fact, he is the biggest profiteer and vampire in the country, and he can bite off a small piece of every copper plate deposited in the post office without having to do anything at home.

Don't look at this piece is very small, so small that it is almost invisible, but it can't stand up to add up. If someone can get the accounts of the Shunfeng Post Office to help Hong Tao calculate, he will immediately find that this is a huge amount of money that makes the emperor tremble when he sees it, and the treasury is like a change bag compared to it.

The money will continue to grow more and more until everyone has their spare money swallowed up. From the princes and ministers to the repeated pawns, no one can escape. It is difficult to form social habits, but once they are formed, no one can change them casually, as long as the habit is beneficial to people.