Li Feibai said: "The fastest way to use silver to make silver is not to consume fire, nor to issue silver tickets, do you know what?" ”

Everyone looked at each other, and they really didn't know what other way to earn money the fastest besides these two methods.

Qin Meng suddenly remembered one thing, his family was poor that year, and he borrowed one stone of grain from a rich family, and he had to pay back three stones at the end of the year. I had no choice but to use two acres of fertile land to pay off the debt, and said: "Loan shark." ”

Everyone suddenly realized that the fastest way to make silver from silver is indeed not to consume fire, nor to issue silver bills, but to lend usury.

When a man lives in the world, who has not been able to meet a natural calamity, sickness or cripplement, and who wants to use silver but does not have it, at that time he will borrow it first and then talk about it. But when the money is repaid, the head will be big, because the interest is too high. Borrow one or two pieces of silver, and those who repay one hundred wen a month, some pay back three hundred wen, and even five hundred wen.

Often, people borrow money to the extreme, and how can they have money to repay their debts. At the end of the year, borrow one tael and repay three or five taels. If you borrow ten taels, you have to pay back thirty or fifty taels. I didn't have any money, and I had a lot more out of thin air, so where to find the money to pay back, so the family was ruined.

Tang Zilan objected first and said, "This thing won't work!" ”

Li Feibai asked rhetorically: "Why doesn't it work!" ”

Tang Zilan said: "Who is not a monkey spirit in business, who would not have thought that loan sharks make money quickly, but why didn't they do it?" Because, if you lend money to someone who knows the roots, if you lend it to someone who doesn't know the roots, then you won't be able to get it back, and the risk is too great. And there are a few people who know the roots, and this kind of business can't be won at all. Moreover, how can people borrow money if they are not in a desperate situation, and if they can't pay it back then, can you have a good conscience if you go and ruin people's families? I would never agree to open a silver shop and make a living as a loan shark. ”

Li Feibai said: "I opened a bank to lend, not to lend usury. ”

Tang Zilan said: "What's the difference. ”

Li Feibai said: "Of course it's different. Lending usury at every turn is a usury that goes up, and it is forcing people to die. Lending is a low interest, borrowing one or two pieces of silver, with a monthly interest of 30 yuan, and only 360 yuan a year, which will not force people to death. Moreover, before lending, it is necessary to send someone to investigate the family background of the borrower to see if he has the ability to repay the money. If you have it, you will borrow it, and if you don't, you will not borrow it, and the risk can be controlled. ”

Tang Zilan said secretly: "In this way, although the income is a little small, it is not impossible to do it." But when she thought about it, she felt that it was wrong, and said: "My 300,000 taels are to cooperate with you in business, not for you to lend." ”

Li Feibai said with a smile: "How is it not a business to open a bank to lend?" He paused for a moment, and then said: "However, in two or three years, Jiyuan will change greatly, and at that time, the people will try to make money, and your 300,000 taels are really not enough for them to borrow." Therefore, I also have a way to borrow chickens to lay eggs, so that the silver can increase quickly to meet the needs of the people. ”

Everyone was born in the Ming Dynasty and grew up in the Ming Dynasty, and they have a clear idea of the people of the Ming Dynasty. Everyone knows that if people don't fall into a desperate situation, it is impossible to open their mouths to borrow money, so they don't believe that Jiyuan County can borrow 300,000 taels of silver. But he was also curious about how to borrow chickens to lay eggs and make the silver increase rapidly, and asked, "What way?" ”

Li Feibai said: "Suck the storage!" ”

Everyone looked confused, and no one understood what it meant to absorb storage. Tang Zilan was disgusted and said, "Say something that can make people understand!" ”

Li Feibai said: "I want to ask you first, where do you put the rest of your money?" ”

It is said that they were all kept in a small wooden box and hidden somewhere in the house. It is said that it is stored in a clay pot and buried in the ground. It is said that there is not much family background, so I take it directly with me.

Li Feibai said: "Do you often worry about money being stolen and stolen? ”

Everyone nodded their heads.

Li Feibai said: "Now there is such a place, you put the money here, and it will take care of it for you, and issue bills, and then take it out when you need it." Are you willing to keep your money there? Moreover, it will pay you interest every month, and if you save it for a year and withdraw it, it will give you an interest of one hundred and twenty yuan. If you deposit and withdraw as you go, and give the interest of five wen in one or two months, are you willing to deposit there? ”

Li Shizhen is small and has no money, so he won't think about it so much, and said: "Keep it for me and pay back the interest, there is such a good thing in the world, of course I am willing." ”

Wang Yaojian and Qin Meng didn't have much money, so they didn't have so many concerns, and said, "Yes!" ”

Ma Kun and Yang Zhen still have some savings, but they are afraid that it will be a scam, and when they put the money there, when they want to withdraw it, they have already run away with the silver, and their savings for many years will be ruined. The two of them did not speak for a long time, and sat there hesitating.

Li Feibai knew what the two of them were worried about, and said, "If this place is opened by me and there are 300,000 taels of town, are you two willing to save money in it?" ”

Ma Kun and Yang Zhen smiled and said, "Naturally, I am willing!" ”

Li Feibai said: "This is absorbing storage!" Let me give you an analogy: every year one million taels of silver are deposited in the bank, and another million taels are loaned out. The deposit of silver is paid 100,000 taels of interest, and the interest of the payment is 360,000 taels, which is 260,000 taels of income throughout the year. Such a big profit does not require us to invest much! ”

He smiled, and then said: "I will give you a chance to make a fortune now, whoever has money will invest in the bank, let's do this business together, and dividends will be distributed at the end of the year, so as to ensure that you make a lot of money." ”

Everyone's eyes lit up, and Tang Zilan asked: "It's easy to absorb savings, the key is how to lend out the money." ”

Li Feibai said: "You can lend me all the money, I will give me an interest of 30 wen every two months, and the money will be loaned out in full." ”

Tang Zilan was nurtured by her father, who was in business, and was very alert. Before, Li Feibai brought her to do business in partnership, and the money she earned was divided equally. Now that Li Feibai says this, it can be seen that Li Feibai is very confident that his business can make money, if he borrows money from the bank, not all the money earned from the business will become Li Feibai's, and she can only collect some small profits from the bank.

She is really not sure whether the businesses that Li Feibai said can make money. But Li Feibai is willing to play this little slippery, which shows that the probability of making money is extremely high. What's more, if Li Feibai loses money, he will have no money to repay the debt, and his 300,000 taels will also be a loss. Thinking of this, she said: "The money you borrowed from the bank is counted as a loan from the two of us." The money you borrowed to do business, we shared the profits equally, and we shared the losses. ”

Li Feibai thought to himself, Tang Zilan threw himself to partner with him to do business, although the bank will definitely make more money than any business he does in the future, but that is a later story after all, it is really unkind to put people aside at this time, and said with a smile: "Just do what you say!" He said to the others: "You don't have to rush to agree, you can all go back and think about it, and see how much money you can get to start a bank together." Of course, the more you can take, the better. ”

He said to Tang Zilan again: "Your home is a silver shop, how to dig the cellar, my heart is clear." To-morrow I will hire men to dig up the silver cellar in my two shops. ”

Turning his head and saying to Wang Yaojian: "Brother Wang is from the Ministry of Industry, and he wants to be full of experience in digging cellars, and he wants to take care of one or two." ”

Wang Yaojian arched his hand and said: "Lord Li's business is my business, and I will do my best to do this errand well!" ”

Everyone ate and drank, and talked again, and after about half an hour, one by one, they got up and prepared to go back to rest.

Li Feibai said: "If Brother Ma is not in a hurry, can you have two drinks with me?" ”

Ma Kun knew that Li Feibai still had something to say to him, sat back at the table, poured himself and Li Feibai a glass of wine, and the two touched each other and drank cleanly.