"Stinky boy, if there's anything else, let's talk about it together!" Fang Xuanling knows Li Yi too well, if there was nothing to ask for, Li Yi would have made an excuse to slip away, Li Yi is smart, but selective laziness is also a problem that he can't get rid of.

"Hehe, Uncle Fang still understands me, in fact, this is also a good thing for us to benefit each other. You see, you've got a silver ticket and you're ready to get started, right? Just like the little nephew just said, this silver ticket is a receipt for loans, but this kind of receipt can be used as currency when it develops to a certain extent, but, in order to achieve this level, first of all, the money bank must ensure its reputation, and now with the silver ticket, the money bank can launch a new system, for example, the people deposit money to the bank, we not only do not charge interest, but also can give the people money, with this temptation, I believe that the money bank will quickly gather a large number of wealth, this is not the current money bank's small profits, Originally, because of technical reasons, the customers of Qian Zhuang have always been wealthy or wealthy businessmen, but now once the customer source is extended to every ordinary person, it will be an astronomical amount! With this money, the bank can lend it to individuals or collectives to earn interest. Depositing and borrowing is the fundamental rule of the bank's survival. ”

Fang Xuanling's eyes lit up when he heard this, he thought that he knew enough about Qian Zhuang, but he didn't expect that Li Yi was still a little worse, after all, he was crossing the river by feeling the stones, and what Li Yi was talking about was the essence left behind after thousands of years of elimination of the rules of the shopping mall.

"You kid really knows more about Qianzhuang, alas! The old man is still a bad move! ”

"Hehe, Uncle Fang, you don't have to care, this point, the little nephew has only recently figured it out, and he is still inspired by dealing with things in Jinling."

"Okay, can the old man still be jealous of your child? However, virtuous nephew, I'm afraid this loan is not so easy to promote, right? ”

"Hehe, it's still Uncle Fang's unique vision. Yes, this loan, the future development of the discovery should only be three directions. First, it is the state, where the bank lends a part of the money to the state or local government at low interest. Just like my Jinling, now if I want to carry out the greenhouse vegetables and Qinhuai Water City plan, I need a lot of money. Therefore, the money can be lent to the county government of Jinling County, and then the county government wins the profit within the specified time, and then the capital can be returned to the money with interest, which is to achieve a win-win situation, the money village wins, and Jinling County has been developed! That's a good cycle pattern! ”

Fang Xuanling seemed to be smiling. "So, you're planning to borrow money from the bank when you come back this time?"

Li Yi's embarrassed look disappeared in a flash, and then he began to flicker seriously. "Uncle Fang, can you wronged the little nephew, the little nephew is for the good of the Qian Zhuang, what do you think, what does the Qian Zhuang need most now? One is the capital, the biggest danger in the initial stage of the money is the run, once the people find that the silver ticket in their hands can not be exchanged for cash, then the money is in danger, therefore, the money village needs a lot of principal, the little nephew loan is to give interest, so, the little nephew is saving money for you. Second, money is now only circulated among the rich merchants and nobles, and the common people know nothing about it. And once I Jinling rises with this money, after the publicity of the vegetable event, the money village will quickly become famous in the world, I will help you save a lot of publicity costs? ”

Fang Xuanling couldn't help but smile wryly while thinking about it. He always felt stupid in front of Li Yi, this is not to say that Fang Xuanling's ability is problematic, this is to deal with government affairs or make suggestions. Fang Xuanling can throw Li Yi 800 streets. It's just that what Fang Xuanling and Li Yi said is something that Fang Xuanling has never come into contact with, and sometimes, Li Yi doesn't say a word, he has to ponder for a long time before he understands the powerful relationship. Therefore, Fang Xuanling and Li Yi were passive most of the time when they talked, and there was no way, they couldn't talk about others! The most important thing is, I don't understand! No, Fang Xuanling felt that he had been fooled again, what Li Yi said seemed to be of great benefit to him, but the benefit to Li Yi was probably even greater, however, when it came to Li Yi's mouth, it became Li Yi helping Fang Xuanling, how could this be reasonable?

Fang Xuanling didn't answer, but continued to ask. "You move on to the other two directions of borrowing."

"Oh, this is simple, the other two directions are the individual and the collective, or the group is more reliable. This is the interest between the money bank and the people, and if the people want to borrow, they must have a mortgage, otherwise they are all empty white wolves, and the money bank will not lose money. But once it is necessary to borrow, whether it is an individual person or a group of businessmen, they will be worried. But now it's different, you lend money to Jinling, and I lend money in the name of the money to the people or merchants of Jinling. That way, you can speak with facts, which is the best kind of publicity! ”

Fang Xuanling wanted to take a sip of tea and spray it on Li Yi's face, this kid, why can't he forget his Jinling?

"Stinky boy, even if what you say is reasonable, but how sure are you about the vegetables in your greenhouse? You can't let the old man take the state's money to risk you, right? ”

Li Yi smiled. "This requires Uncle Fang's eyesight. This loan is actually an investment, and the people are better, even if it fails, there is still collateral to guarantee the bottom. But the national and local governments are different, and if they fail, no matter what, the loss is the state's money. So, this kind of thing depends on how Uncle Fang handles it! ”

"Hey, you kid actually asked about the old man. But what you said is a thing, there are more profits, it is inevitable that some people will take advantage of the loopholes, it seems that this is a hot potato for Qian Zhuang! ”

Therefore, the kid has always advocated separating the money from the imperial court, the money of the money is the money of the bank, and if the state wants to borrow, then it must be repaid on time with interest, at most make some concessions on interest. This may seem a bit impersonal. But it can purify the bank. ”

"Well, that's why your kid suggested that His Majesty separate the Ministry of Finance, right?"

"Yes, in my opinion, the ideal situation for Qian Zhuang is to be an independent individual who is completely independent of the six departments, and only obeys His Majesty's orders."

"Hehe, I will discuss this matter with Your Majesty. Tell me, boy, how much are you going to borrow? ”

Li Yi stretched out five fingers very domineeringly. "Fifty thousand!"

Fang Xuanling finally squirted out a sip of tea. 50,000? What is this for?

"Fifty thousand, can you use that much?"

Li Yi shook his head. "It's a lot more than this, don't forget, Jinling is in ruins now, these 50,000 yuan, is it not necessarily enough?"

"Humph! Don't talk about anything else, the old man can give you 50,000 yuan, but you need to use your shares in Shangmeng as collateral! ”