Wei Yan shook his head and said: "The collateral items required by the loan side are usually real estate or bulk goods, such as real estate, goods in shops, carriages, ships, etc., and the loan amount is generally relatively large, and a guarantor is required, and it takes a long time to borrow the money. Pen @ fun @ pavilion wWw. ｂｉｑUｇE。 infoBut the pawnshop is all on-the-spot valuation, pay money immediately, the procedure is simple and fast, and you can pawn all valuable items, even wives, children, and slaves. ”

Speaking of this, Wei Yan couldn't help but sigh: "In this era of war and chaos, pawn is a charity that can save people in danger. In the year of the great disaster, those who sit and watch their children starve to death might as well pawn their children to death, so that the whole family will not starve to death. ”

In the Eastern Han Dynasty, there was already a prototype of a pawn shop, called a pledge storehouse, and wealthy merchants, government officials, armies, monasteries, and large landowners all operated this kind of loan business with goods as collateral. In addition to the general gold, silver, pearls, and jade money, sometimes even slaves, maids, cattle and horses. Ordinary people mostly use daily necessities as collateral. When the loan is made by the pledge bank, the term is very short, the interest rate is very high, and the price of the pledge is often arbitrarily lowered, and if the loan cannot be repaid when it is due, the pledge will be confiscated, so it often leads to the bankruptcy of many families.

In view of this, Wei Yan established a pawnshop jointly run by the government and the people, with the main purpose of saving people in distress and striving to reduce the tragedy of family destruction and death.

Wei Yan explained the auction business to everyone: "Auctions are held regularly in major cities, and those dignitaries and nobles who have a lot of money and stupidity are invited to bid, and all kinds of rare treasures are fried to the point of being extremely high before they are sold, and the auctions are not only calligraphy and paintings, cultural relics, treasure knives, BMWs, but even beautiful women and beautiful men." ”

Wen Yang asked, "Then what is an auction?" ”

Wei Yan took out his sword and spread it on the table: "Assuming that we all want this sword, who should the sword belong to, of course, it is the highest bidder, for example, you pay 10,000 yuan, Yuan Zhi pays 20,000 yuan, Wei Du pays 30,000 yuan, of course Wei Du gets this sword." The children of the family have the best face, and if they lose, they will not lose the battle, I am afraid that a handful of broken copper and iron can be sold for tens of thousands of dollars through the auction system in front of them. ”

In the process of talking to everyone, Wei Yan had a deeper understanding of how to carry out business activities in this era, so he said to Huang Chengyan: "Let's set up a Yancai Group, under which there are three commercial banks, one is Yancai Qianzhuang, which is responsible for deposits, loans and exchanges, one is Yancai Pawnshop, which specializes in pawnbroking, and the other is Yancai Auction House, which specializes in auctions. ”

Huang Chengyan clapped his hands and applauded.

Deng Zhi said bluntly: "The five million money that the lord rewarded the last general will be deposited in Yancai Qianzhuang at the end. The lord and Mr. Chengyan discussed the matter of the consultation, and the last general was not very interested, and if there was nothing else, the last general would take his leave first. ”

Wei Yan was amused by Deng Zhi's straightforwardness: "Bo Miao, you sit down first." The next thing we want to talk about is the interests that are related to your life, and you can't help but participate. ”

Deng Zhi frowned and sat down patiently, and the other generals all looked at Wei Yan with puzzled expressions.

Wei Yan told everyone about the concept of the joint-stock system: "It takes a lot of start-up capital to build this Yancai Group, and my father-in-law's funds alone are not enough, I am ready to take the gold and silver that swept through those hostile families this time and put it in as the principal, you can also put the bounty this time in as the principal, according to 10,000 yuan for one share, if so many of us invest one billion money, then it will be counted as 100,000 shares, and a year later, this billion money will become 1.2 billion, then each share will increase by 20 percent. At the end of the year, the increased money will be distributed to everyone as dividends, of course, if you don't take it and store it there, it will be re-divided at the beginning of the year, and you can share more shares. ”

Of course, Wei Yan occupies the majority of seventy percent.

Just when the other generals were still thinking about and digesting, Dong Ju quickly understood: "In other words, if I put the three million into it, it is considered three hundred shares, and I will be able to get 600,000 by the end of the year, and the three million will still be left there as shares." If I don't take it, the 3.6 million will be used as a new principal, and if someone else takes the dividend, I will have 60 more shares. ”

Wei Yan nodded: "That's right." ”

He was thinking about whether to train Dong Ju to become the first governor of the central bank in the future.

Huang Chengyan did a little math and wrote down everyone's shares.

Wei Yan took great pains to engage in this joint-stock system, just to win over the hearts of the generals, tie all the generals to his chariot, make a fortune with him, and resist risks with him.

Wei Yan thought that Huang Chengyan participated in business management, so to stimulate his enthusiasm, he should also give him some management shares: "Father-in-law, you need to know that this share is not only the principal shares, but also the operating shares, you will recruit some talents who will manage affairs and do business in the future, regardless of whether they have the funds to invest in the shares, you also have to give him a certain amount of management shares, the measure is how much profit he can bring to us, if because of his existence, we can make more than 10 million money, we must give him at least 1 million dollars of management shares." I calculated it, and then mobilized the generals to buy shares, we can now invest a billion yuan in shares, and if you manage this billion money for us, we will also give you at least 100 million shares of operating shares. ”

Then he turned to the other generals and asked, "Is that good?" ”

Huang Chengyan, as Wei Yan's father-in-law, has such a son-in-law, many old people are afraid that they will have to walk sideways, but Huang Chengyan is very cautious, he is afraid that Wei Yan's subordinates will be dissatisfied and unfavorable to Wei Yan, so he resolutely refuses.

But the generals want him to be more attentive to the management of this Yancai Group for himself, and they are not opposed to giving him the management shares.

Huang Chengyan thought for a while: "I will merge my industry into this Yancai Group, and the combined assets of these two firms are less than 100 million yuan, so I will take advantage of you." ”

The generals were busy saying that they did not dare.

Wei Yan saw that the prototype of this joint-stock group had been made, so he said to Huang Chengyan: "Father-in-law, in the future, this Yancai Group will all depend on you to establish it, and I will work hard for you."

However, when you recruit people, you must train them strictly, you must be strict with them, and treat those guests with a better, more enthusiastic, and more proactive attitude.

I expected that my idea would definitely be copied and used by other forces, and I don't know how much money there would be under the rule of the entire Han Dynasty.

You have to walk well in front of you, and you can't be overtaken by those who come after. ”

Huang Chengyan solemnly wrote down Wei Yan's words.

……

For the bank, it is very important to have anti-counterfeiting money tickets.

According to the technology at this time, no matter how capable Huang Yueying and Ma Jun are, they can't make it.

Wei Yan had no choice but to turn to the seed artifact to make her improve the simple anti-counterfeiting machine made by Huang Yueying and Ma Jun to make it closer to the anti-counterfeiting level of later generations.

……

The problem of money has been solved temporarily, and another problem is plaguing Wei Yan, Huang Yueying and Zhuge Meng are not yet pregnant.