Wei Yan explained the general operation of the money village to Wang Cang, and then asked, "Zhong Xuan, do you want to take on this great responsibility?" ”

Wang Cang lowered his head and thought about it carefully, and then shook his head decisively: "My subordinates can only do arithmetic, and they don't know about these businessmen, so I'm afraid that I will disappoint the lord." Pen Fun Pavilion www.biquge.info"

Wei Changchang sighed: "This matter is related to the rise and fall of the great cause, who can plan for me?" ”

Wang Cang thought about it for a while, and suddenly smiled: "Lord, my subordinates recommend a person, this person is not only competent, but also definitely worthy of the lord's trust." ”

Wei Yan was overjoyed and hurriedly asked, "Who is it?" ”

Wang Cang smiled and said, "It is the lord's father-in-law, Mr. Chengyan." ”

Wei Yan fell into deep thought, his father-in-law Huang Chengyan gave the impression of a hermit in the mountains to later generations, but think about it, Huang Chengyan is the eldest son-in-law of Cai Wei, a famous man in Nanjun, Cai Wei's son is Cai Mao, and the younger son-in-law is Liu Biao, can he marry the eldest daughter of a wealthy family like the Cai family, and he has a very close relationship with Pang Degong and Sima Hui, is he just a hermit who lives in seclusion in the mountains?

Previously, Wei Yan went to Huangjiawu Fort once and found that the scale of Huangjiawu Fort was no less than that of those male monkeys, and Huang Chengyan's grandfather and father had never been an official before, why could Huang Chengyan marry Cai Yan's eldest daughter?

There is one truth, that is, Huang Chengyan, like Mi Zhu, is good at management.

In fact, when the wealth reaches a certain level, the social status has been on an equal footing with celebrities, just like Mi Zhu's ancestors have been engaged in reclamation for generations, raising nearly 10,000 servants and diners, and assets of hundreds of millions, so in his generation, he was recruited by Tao Qian to do something else.

Huang Chengyan is the same, although there are no high-ranking officials in his ancestors, but with his management, he has created a large amount of wealth and fed a lot of Xiangfan celebrities and diners, so he won Cai Wei's affirmation and married Cai Wei's eldest daughter.

And the fact that Wei Yan saw, as Wei Yan guessed, was that the Huang family was not a shabby family living in seclusion in the mountains as people usually think, but a wealthy family.

Why is he not as famous as Mi Zhu, the reason is very simple, Cheng Yan is not only low-key, but also a little stingy, he did not put all his money on Liu Bei like Mi Zhu.

In that life, his son-in-law Zhuge Liang became Liu Bei's military advisor, just as Huang Chengyan wanted to invest in Liu Bei, Liu Bei was beaten away by Cao Cao, Xiangyang was occupied by Cao Cao, and most of Huang Chengyan's industry was in Jingbei, so there was nothing to do.

In this life, Huang Chengyan's son-in-law is Wei Yan, a prince, Huang Chengyan only has a baby daughter Huang Yueying, he doesn't help Wei Yan, does he go to help Liu Biao?

At this time, Wang Cang said: "Mr. Chengyan is not only good at management, but also talked to his subordinates about the money village like the lord said, Mr. Chengyan once had such a whimsy, and he was also dedicated to Liu Jingzhou, but he was rejected by Liu Jingzhou!" ”

Wei Yan was overjoyed, he never expected that his father-in-law was not only a big businessman, but also so far-sighted.

He hurriedly sent someone to invite Huang Chengyan to come to discuss.

When Huang Chengyan arrived, Wei Yan stepped forward and gave a big salute: "The son-in-law visits his father-in-law." ”

I saw that Huang Chengyan was in his early forties, with a face like a crown of jade, handsome eyebrows, and a chic fluttering beard under his chin.

After experiencing the baptism of the mercantile era in later generations, Wei Yan has great respect for this father-in-law, because many good business ideas in Wei Yan's mind can only be realized through this father-in-law, and this father-in-law is also quite capable in business management, which is worthy of Wei Yan's admiration.

Listening to Wei Yan's plan for Qian Zhuang, Huang Chengyan was overjoyed, and said with a smile: "Virtuous son-in-law, I really can't imagine that you not only fight well, but also be so proficient in business affairs, and our son-in-law coincides......

Huang Chengyan has a high personality in history, which means that his temperament is free and cheerful, and he took the initiative to propose to Zhuge Liang from history, "Wen Jun chooses a woman, has an ugly woman, a yellow head and a black head, and is a match." You can see his character, after all, there are several old men in ancient and modern China and abroad who choose a son-in-law like this, and I am afraid that he is the only old man.

His character is actually the character of a big businessman, and he is kind and wealthy.

Wei Yan and Huang Chengyan spent a whole day and finally discussed a complete plan.

The next day, Wei Yan summoned all the generals in Yiyang New City to discuss the matter of Qianzhuang.

A table was placed in the middle of everyone, and Huang Chengyan used a pen on a piece of Caihou paper to depict a very beautiful vision: Yancai Qianzhuang, with Wei Yan's reputation and tens of thousands of catties of gold as a guarantee, all levels of society can deposit money in Yancai Qianzhuang, and there is one thousandth of the interest for one month, and one percent of the interest for the previous year, and the interest is increasing year by year, and there is ten percent interest for five years.

At the end of the Eastern Han Dynasty, in addition to those wealthy family businessmen, ordinary people have no concept of financial management at all, everyone's money in their hands, a money is a money, there has never been money to make money, money can increase the value of the concept, after listening to Wei Yan carefully explain the concept of deposits, interest, etc., they have expressed their willingness to deposit money in Yancai Money Village.

Li Yan thought for a while, found that something was wrong, and asked: "The total amount of money that everyone has deposited is just that, everyone can withdraw more in the future, and the money in the money bank will only get less and less, and finally all of it will be empty, I want to know how the money in the money village itself makes money, otherwise our money will not last long in it." ”

Huang Chengyan didn't mind Li Yan's rudeness, and according to the plan drawn up by Wei Yan, he said slowly: "Yancai Qianzhuang lends money to all strata of society, ranging from 100 yuan to 1 million yuan, but there must be a corresponding mortgage, and there is a certain credit exemption at the level of scholar and above, and the loan has an interest of 2/1000 a month, and the interest of the loan in the previous year has 2 percent, and the interest increases year by year, and there is 20 percent interest for the first five years of the loan. ”

Wei Yan explained in detail the concepts of lending, lending, mortgage, and credit.

The more Huang Chengyan listened, the more he admired Wei Yan's mind, and with a wave of his pen, he wrote down Wei Yan's golden and jade words one by one.

Wei Tie heard Huang Chengyan and Wei Yan say this, and understood that Yancai Qianzhuang could not only ensure that it would not lose money, but also make a profit, but he couldn't understand a question, so he asked Huang Chengyan: "Mr. Chengyan, I want to ask, if everyone doesn't borrow from your Qianzhuang and you can't lend a loan, what should I do?" ”

Huang Chengyan was suddenly asked, and hurriedly asked Wei Yan for help: "Virtuous son-in-law, what should I do?" ”

Wei Yan smiled slightly and replied: "Our loan is issued to everyone under my General Pingnan, including merchants, soldiers, scholars, landlords, rich peasants, and even poor peasants, tenants, and slaves, but the amount varies. If a businessman wants to expand his business, he needs funds, and the money bank welcomes him to take out a loan, and when his business is developed, he uses the profits to repay the loan and interest, and if it collapses, the original mortgage will be confiscated, and the money bank will never lose money; If a soldier needs money to replace his family, then he will take out a loan, and if he wins a war, he will have a bounty and a salary to repay the loan and interest, and if he loses a war or dies in a war, he will have a pension and collateral, and the money will not be lost; As for those who don't have land and want to do small business, our money bank will open the door to them. ”