Chapter 365: Returning after the parade

Wang Juan took the cotton ball and gave it to each other, Zhang Jiazhen, Zhang Jiuling and others did not fall.

Zhang said that before he could figure out what Wang Juan was doing there, he was so frightened by a loud bang that he almost didn't sit on the ground, followed by a continuous crackling sound.

Li Longji was not frightened, but happily watched this welcoming scene.

Zhang Shuo reluctantly plugged his ears with his hands, and glanced at Wang Juan, who was snickering and laughing next to him, crying and laughing, he was still a child.

The next thing Wang Juan tried his best to arrange according to the situation in history, except for the place where she and Zhang Xiaobao specially entertained Li Longji to prepare for a fortune in the future, nothing else was changed, such as Li Longji changed the state to Taiyuan as a mansion, exempt from endowment or something, and still followed it.

After the officials in Jinyang and Li Longji's team converged, the officials had already arranged according to the letter sent by Zhang Xiaobao and Wang Juan in advance, and took Li Longji's mansion for transit.

Zhang Xiaobao and Wang Juan estimated that Li Longji would not be able to go to the prepared place to play today, and the two of them found an excuse to go over there to see if there were any omissions, so they asked Li Longji for a leave, as for whether Li Longji can continue to write poems here, it is not up to the two of them, there is not much more of him than one poem, and no less of him.

Zhang Xiaobao and Wang Juan, who asked for leave, took the seedling protection team at home, as well as Xiaobei and others, got rid of the three old men Bi who didn't know that the two of them had left, found a place for Li Longji to prepare for play, and took out both the long and short guns.

Under the curiosity of Xiaobei's group of little guys, they snapped at the target that made people stand twenty meters away.

After the eleven rounds in one magazine were fired, a group of people ran over to watch.

"Well, I see, next time you aim, go a little left." After Zhang Xiaobao looked at the impact point, he summed up how much the trajectory of the gun deviated according to the previous aim.

"It looks like the technology needs to be improved." Wang Juan also felt that the gun in his hand was a little worse.

"I want it too, I want it too." Xiaobei looked at Xiqi, in such a distance, I didn't see an arrow, no one pulled a bow, there was a crackling sound, like a firecracker, the sign erected here was broken, and she was smart and knew at once that this kind of weapon could hit a long distance.

"Okay, okay, this is too heavy, wait for my brother to make you a light one, remember, you can't say it to others." Zhang Xiaobao put on a magazine again and said to Xiaobei.

Xiaobei nodded violently, "I know, don't say it, you must not tell others about the affairs of the family, you must keep it secret." ”

The other little ones were also clamoring for one, and Zhang Xiaobao agreed one by one.

When I have time, I will make it for them, of course, not the pistol I am holding, but a toy made of wood, and a pull made of animal tendons to make a special toy for hitting small stones, preferably with a layer of cotton glued to the outside of the stones.

Then the two of them continued to test the gun, until the distance of the target was 60 meters away, gradually feeling the situation of the gun in their hands, and then thickened the target, replaced the original paper target with a wooden one, and then checked the effective distance of the pistol bullet.

Let people take a bow and arrow to experiment that a distance can shoot a person, and after experiments, the effective distance of the pistol is 35 to 37 meters, mainly the problem of bullets.

After testing the pistol, the rifle was tested again, plus the scope modified with a telescope, after the crackling, Zhang Xiaobao and Wang Juan were happy and dissatisfied.

Happily, the spear is relatively accurate compared to the pistol, and the dissatisfaction is naturally the range, one thousand meters, that is not to think about it, eight hundred meters, the bullet can't fly at all, and the final result is between two hundred and fifty meters and three hundred meters.

This distance is worse than a strong crossbow, stronger than a normal bow and arrow, and the advantage is that the rate of fire is fast, the bullet is lighter than the arrow, and it can be carried more.

"Almost, let's do this first, you don't have to count on it as a long-range sniper rifle, if you can have three or five hundred, if you can equip it with the army, the lethality is still not small."

Wang Juan said as he dismantled the spear.

"This is the progress of the times, much more powerful than the first fire gun that appeared in the Song Dynasty, okay, we can use such weapons to equip the army in the future, and when the time comes, we will fight in all directions, invincible, and invincible."

Zhang Xiaobao put the disassembled gun into his backpack, with a posture of giving up who else in the world.

Wang Juan glanced at Zhang Xiaobao, "Any good weapon also depends on who uses it, and it will be equipped in the future, and it cannot be underestimated, it can only be used at a critical time, and the range of other people's bows and crossbows is not close, in case someone gets a few of them, the technology will be passed on." ”

"It seems that the secrecy work on the Luzhou side should be done more strictly, and it is best to be able to go underground."

Zhang Xiaobao also understands the truth, just like the original gunpowder, if it wasn't for attacking others, how could it be taken away by others after losing, and as a result, the people in Europe used gunpowder better than here, and improved their skills in a short time, and when they fought back, they didn't have the power to resist.

The two people who tried the gun didn't plan to go to Li Longji, and took Xiaobei and the others to swim, that is, the place prepared for Li Longji.

No one doubted the movement just now, and thought that someone was setting off firecrackers here.

"Alright, now change your clothes and swim." Coming to the edge of a large lake, Zhang Xiaobao shouted to a group of little guys.

In order to take advantage of the situation, Zhang Xiaobao and Wang Juan wrapped up a large part of the area here, and renovated the original small lake, especially the shore, which brought a lot of sand.

In the summer, it is a place for visitors to swim or have a barbecue on the beach.

Li Longji can't just say that he has swam once, and he can't let others come over to such a big place, and the courtyard prepared for him here is not allowed to come to others, but other courtyards next to the courtyard can be rented out.

The emperor is willing to visit the place, and other tourists will rush to enjoy it, and the price will be very high.

Open a few more open-air food stalls, and use locally produced wines, it is estimated that next summer, you will be able to earn back the money you spent this time.

There are people in charge in this place, and when they saw that Zhang Xiaobao and his gang wanted to go into the water, they hurriedly came over to stop them, saying that they were prepared for the emperor and couldn't go down casually.

As a result, without waiting for Zhang Xiaobao and Wang Juan to speak, Xiaobei said to this person that he was here to test the water for His Majesty, otherwise, if the water is cold, something in the water will not be good, and the person in charge of the statement was speechless and could only stand by and watch.

The heart said that there is still a need to try here, it has been cleaned up over and over again, and there are no other living creatures in the water except for small fish, and even the aquatic plants in the lake have been pulled out in advance.

The lake with a lot of sand is very comfortable to use, first only half a meter high, then one meter, but every half a meter, there will be a distance of more than 20 meters, so that people will not be flooded.

Zhang Xiaobao and Wang Juan floated in the water, not going to deeper places, only in an area of about one meter and five, so that the two of them could be left without a roof.

Xiaobei and his gang of little guys also swam in this area, compared to Zhang Xiaobao and Wang Juan, they can swim in a larger range, even if it is half a meter deep.

Maybe it's because of the good training, the little ones are not afraid of water at all, they swim very freely in the water for a while breaststroke and backstroke, and they can talk casually.

Two days later, Li Longji and the officials were almost busy, and finally came to this swimming place, Zhang Xiaobao and Wang Juan persuaded Xiaobei and others to go ashore and wait for barbecue, while the two of them accompanied Li Longji to swim in the lake.

The specially made swimsuits were worn on the palace maids and concubines brought by Li Longji, and they were a piece of white flowers, and Li Longji wanted to drive the guards and Zhang Xiaobao away.

As soon as he saw him like this, Wang Juan muttered to Zhang Xiaobao in a low voice: "I haven't seen the world, it's just an arm and leg exposed, as for it." ”

"It's like, when I used to be outside, there were still a lot of women who didn't wear anything, let alone three o'clock, so look at ...... It's not interesting to look at all, it's really boring, don't look at me like that, Western women don't admire well, and there are folds on the face of the ten-year-old.

You guard first, I'll go down to see if there are any shells, don't clean them all up, you can eat them for a while, wait, take a look and come up. ”

Zhang Xiaobao was talking and talking, and suddenly found that Wang Juan's gaze was wrong, so he threw down a sentence and plunged into the water, and stayed in the water for three minutes before he came up again, shaking his head regretfully.

"No, there are only small fish in the water, these losers' things, tell them to keep the shells, clean them all up, and when they come up, let people fish them from other rivers and put them in, and there will be a special project here in the future, let people catch them now, and then roast them, and sell a shell for a penny."

Wang Juan didn't mention what happened just now, but also plunged into the water to take a look, fished out a lot of mud from the lake, and found that the little bloodworms in it were all dead, and said: "It seems that there is no less lime sprinkled here, and the water is not drinkable." ”

Li Longji finally didn't drive away all the other outsiders, and then came here to play in the water with mandarin ducks, but followed the concubines to fight in the water for a while.

Then he went to eat barbecue under the sun umbrella on the shore, and praised Zhang Xiaobao and Wang Juan, saying that it was good here.

It looks like he's going to play one day today and stop playing tomorrow.

Zhang Xiaobao hurriedly said: "Your Majesty, there are other Your Majesty here who have not enjoyed it, and for the next three days, I have different feelings every day." ”

"Oh? And also? Wouldn't it work today? Li Longji asked.

"I can't arrange it, how can I get a lot of projects in one day, there is also a high platform diving, and there is more rafting at the water diversion of the lake, at least three days."

Zhang Xiaobao replied that the so-called high platform diving is actually only five meters, even if it is photographed horizontally, there will be no danger, as for rafting, it can cost a lot of money, because the river flowing into the lake is not so big, although it also flows down from the mountain, but it is impossible to raft quickly first.

For this, Zhang Xiaobao asked the people who came in advance to build a small reservoir upstream, blocking the small valley through which the river passes, so that there is no need to store too much water, as long as it can be flushed twice when the water is released.

Because the time is too short, now it can only be flushed once, and it is controlled by the iron gate, and the door can be opened as long as the iron cable is shaken next to it, and it takes a lot of work to repair this simple small reservoir.

After Li Longji leaves, he will have to repair it again, and when the time comes, a group of twenty people who want to drift will have ten yuan per person, and it is estimated that many people will rush to come.

Without rubber, all small kayaks have to be glued from leather, and the same goes for life jackets.

Li Longji really hadn't played anything like this before, and after thinking about it, he finally decided to stay for three days, and if he had a good time, he could make one in the capital.

Zhang Xiaobao and Wang Juan actually have something better, that is, try a translucent swimsuit at three o'clock, the woman wears it, and she was going to take it out, and then let Li Longji play with the concubine herself, but Concubine Wu Hui came, so naturally she couldn't take it out, if Concubine Wu Hui, who was already good looking and figure, wore such clothes, then Queen Wang would not have too many advantages to go back.

Concubine Wu Hui also came with her today, and she was very enthusiastic about Zhang Xiaobao and Wang Juan, making the two of them muttering in their hearts if the other party had already thought of a way to make trouble for themselves.

In the evening, a bonfire party started here, but let Li Longji stay here for a few more days, it is best to write a poem or something, if you can write a word that is the first leisure place in the world, it would be better.

For the next three consecutive days, Li Longji really stayed here, diving, rafting, eating on the water and other projects made Li Longji very happy.

I feel that the time is almost up, Zhang Xiaobao and Wang Juan arranged Li Longji's next itinerary to Luzhou, often Li Longji arrived in Luzhou first, and climbed Taihang Mountain over there, this time it was later, Zhang Xiaobao and Wang Juan did not mention it, and Li Longji would not miss it.

So the team went over there again, this time not by water, and when they had a bit of fun, they had to come back and take a boat.

In the process of the procession, Zhang Shuo told Li Longji about turning the government soldiers into recruits, and came up with a plan to strengthen the weak branches.

This is mainly because it is a bit difficult to recruit soldiers now, if there is no Zhang Xiaobao and Wang Juan, there will be no compensation for those who died in the last battle.

All the people whose names are on the roster are afraid of being drafted, so they try to move their families and live somewhere else, so that people can't find them when they are recruited, and the household registration is very messy.

It is also because of this that Li Longji asked Yu Wenrong to check the household registration, and gave land to people who had no place of residence outside, so that they could live with peace of mind.

In this matter, Li Longji still agreed, there was more money in the treasury, and there were fewer people guarding the capital, so it was more cost-effective to take out the money to recruit soldiers.

After Zhang Xiaobao and Wang Juan heard this, the two of them glanced at each other and were speechless for a while.

"The conscription system is a little better than the government soldier system, but there are also a lot of hidden dangers, if the imperial court has no money, then it can't afford to raise soldiers, and the localities are all raising their own soldiers, whoever pays for it, the soldiers will listen to whomever they want, it seems that you have to talk to Li Longji."

Zhang Xiaobao thought for a while and said to Wang Juan.

Wang Juan also knows the disadvantages of doing this, after all, it is still the era of cold weapons, and there are too many people needed to fight a war, even if Zhang Shuo has laid off a lot of border troops, but as long as people have money, how can they not secretly raise more troops by themselves, not to mention that the power of the Jiedu envoy is also a little too great.

After listening to what Zhang Xiaobao said, he said: "Either we will also go to the festival envoy, when there are more soldiers, whoever wants to make trouble will clean up, I am worried that there is one less An Lushan, and there will be other people who will jump out, after all, this system itself provides people with such an opportunity."

I really have to talk to Li Longji, let him not let the local government form its own army, and try not to recruit soldiers, if you don't have money, you will be in trouble, the best is of course compulsory soldiers, just like we did at that time, use honor to win the hearts of soldiers, as long as you persist for a few years when you are a soldier, you can come back to do things, and get a sum of money that is not okay.

If you find that there is a good one, you will continue to train, so that the soldier can be trained, and there will be a lot less trouble. ”

"Okay, I'll talk about it when I get back." Zhang Xiaobao nodded.

After a few more days, the team came to Luzhou.

Li Longji's place of origin is in Luzhou, he has always regarded this place as his blessed land, all as soon as he arrived in the place, he felt very comfortable, climbed the mountain, wrote poems, and exempted the place for five years, which was exempted for five years in history, at this time, it may be because of the relationship between Zhang Xiaobao and Wang Juan, so that the money in the treasury was much more, so it was exempted for six years at once.

One more year of exemption, this is not a small amount, Luzhou is not small, there are a lot of taxes paid every day, one year less can give the people here one more year of development opportunities, six years down, it is difficult not to be rich.

Zhang Xiaobao and Wang Juan naturally will not miss to do some business on the Taihang Mountain here, the people who arrived in advance have organized the local people to build better mountain roads, and many villas have been built in the mountains, all of which are made of wood.

and provided the activity of hunting in the mountains, so that Li Longji played happily for a few days.

On the way back, Zhang Xiaobao found an opportunity and said to Li Longji: "Your Majesty, the minister and Juan Juan have an idea, I don't know whether to say it or not." ”

"But it doesn't hurt to say it." Li Longji felt that things seemed to be a little wrong, otherwise Zhang Xiaobao would not have gone around in circles, and it was not appropriate to ask if he had asked, since he had asked, how could he not say it.

"Your Majesty, the minister and Juan Juan heard about the recruitment of troops that Lord Zhang said, and felt that it was slightly inappropriate, at this time the money in the court was quite abundant, but as long as there were several natural disasters in a row, and then some palaces and houses were repaired, it might make the treasury short of money.

By that time, what money will Your Majesty use to raise the army? Is it difficult to let the festivals of various places make themselves raised? Whose soldier is that? ”

Zhang Xiaobao asked about the important matters related to the country.

Li Long basically agreed to Zhang Shuo's recruitment, and when he heard Zhang Xiaobao say this, he felt that it made sense, but if he still had to recruit troops according to the previous method, the people who had finally settled down would have to run around again, leaving the capital with no soldiers available.

Zhang said that he was also standing next to him, and when he saw Zhang Xiaobao opposing his proposal, he retorted: "Could it be that there is a better way for Zhang Xiaobao?" ”

"This is natural, there is a good way, but it can't be used now, after I do other things well, I will talk about it, since I can recruit soldiers, then use it for a few years, and after a few years, I don't have to continue to spend money like this."

Zhang Xiaobao and Wang Juan have already discussed this matter, that is, compulsory soldiers, which requires other auxiliary methods, and the current government soldiers are actually compulsory soldiers, but they are slightly different from them at that time, the compulsory soldiers of the government soldiers are mainly less trained, or no.

Zhang said that he felt uncomfortable, if he said it by a person, he wouldn't believe it, but when Zhang Xiaobao said it, it was difficult for him to believe it or not, after all, Zhang Xiaobao and Wang Juan's skills were there.

What he meant was that it would be nice if Zhang Xiaobao and Wang Juan could talk to me first, and then let me mention it to the emperor, but Zhang Xiaobao actually said it himself.

Therefore, Zhang Shuo wanted Zhang Xiaobao to talk about the specific things, and then he found fault with it, so he asked Zhang Xiaobao: "I don't know if Master Zhang can tell me the details now, otherwise, if you do something wrong, wouldn't it make Your Majesty worried." ”

How could Zhang Xiaobao not know what Zhang Shuo thought, and shook his head slightly, "I can't say it, now that I say it, it is easy to be used by people with intentions, and it will naturally be seen when the time comes, as for Your Majesty's worries, the minister and Juan Juan don't seem to have worried Your Majesty." ”

Zhang Xiaobao's words couldn't be clearer, Zhang Shuo didn't continue to say anything, but looked at Li Longji, Li Longji's heart was itchy by Zhang Xiaobao's words, and seeing that Zhang Xiaobao didn't say anything, there was nothing he could do but bow his head and say: "Then Xiaobao, you have to worry more." ”

Although I don't know if things can be feasible, Li Longji also understands that even if Zhang Xiaobao and Wang Juan don't do it right, they won't make a big mistake, and the two of them are still measured.

This matter was known to Concubine Wu Hui again, and in the same way, she once again made people focus on Zhang Xiaobao and Wang Juan, wanting to see what the two of them were going to do.

The contrary is a half-truth, which makes it difficult for people to perceive the final situation for a while, especially that Zhang Xiaobao and Wang Juan are directly under the control of the emperor, and when they encounter someone who hinders them, they can kill people first and then play, which makes many people feel uncomfortable.

Zhang Xiaobao and Wang Juan haven't heard this rumor yet, because this rumor started to spread in other places, and it is estimated that some people in the capital are saying it now, or just talking about it, and when it spreads here, maybe they can meet it on the way back.

The two of them followed the team back to Jinyang, but Li Longji, who was supposed to stay for two days and go back, became addicted to drifting, so he stayed for five more days before he got on the boat and went downstream.

Zhang Xiaobao and Wang Juan also breathed a sigh of relief, as long as they returned to the capital, this trip would be a successful end, and when they walked on the road, let the people who stayed behind be responsible for running the two places, and they must spread the news that the emperor came to play and was willing to play.

When I came, because I had to give the people in front of me a time, the speed of the march was slow, and it was against the current, so I didn't need to prepare when I went back, and it was a smooth water, and the speed of the fleet was very fast.

At this time, there was also a market near the chain bridge where there was no market before, and it didn't matter if it was a single or even day, or every five days, and the people who had received the benefits themselves set up stalls in the markets on both sides, and walked over when they had nothing to do.

If someone buys something on the other side of the bridge and doesn't want to pay the bridge toll, the people who sell the goods will send the goods over, and they pay the annual fee, which is very cheap and can be crossed casually.

Seeing this situation, Zhang Xiaobao and Wang Juan had to sigh that people's wisdom is really infinite, because the two of them have found that when a businessman is preparing to cross the bridge with goods, he does not pay the bridge toll for the goods, but finds the local people who have paid the annual fee.

If the bridge toll for a batch of goods is ten yuan, then they only need to give the people three or four yuan, and the people will help them transport it to the other side, and it will be much cheaper for them to come over themselves.

Li Longji also saw this situation, brought Zhang Xiaobao and Wang Juan over, and asked with a smile: "Xiaobao, Juan Juan, do you think you have miscalculated?" Didn't expect that, right? ”

Zhang Xiaobao and Wang Juan knew that such a thing would happen, and it was not a big deal, and such a loophole could not be blocked at all.

"Your Majesty, in fact, it's just because there are markets on both sides of the bridge, so let them do it, as long as they don't fight each other, it won't be long before a part of the people will no longer continue to sell goods, but will wait here for merchants to come and go, and they will help deliver the goods."

Zhang Xiaobao talked to Li Longji about the situation that would occur in the future.

"Oh? If that's the case, why build markets on both sides of the bridge? Li Longji couldn't figure it out, and asked the two of them again.

Wang Juan stood up and explained, "Because we are about to increase the single price of goods crossing the bridge, and reduce the monthly fee and annual fee, when the time comes, the people who specialize in transportation here will also increase their labor income, for example, a carload of goods, now it is 12 yuan, then it will become 24 yuan in the future."

The people who specialize in helping with transportation here will not be able to do it with just a small benefit, as they used to, and they will band together to form an organization, and when the time comes, they will bargain with the merchants, such as saving half of the money.

If it is a businessman who often comes and goes here, he will consider whether to do an annual fee or a monthly fee, we can first let the businessman only pay a month, not allow the year, because in that case, many businessmen may not be able to directly package, must let them know that it is also a kind of happiness to be able to pay the monthly fee, and after they pay the monthly fee, they will inevitably transport more, so as to maximize the benefits.

At that time, we will slightly increase the monthly fee, and open a very cheap annual fee, they will feel that the annual subscription is not easy, so that the annual package, once the package, not to transport the goods is their loss, if you want to find a way to sell, and speed up. ”

Li Longji suddenly said with a smile: "I understand, in this way, the local taxes can be overcharged, and the more frequent the exchanges, the more prosperous the economy will be.

Good idea, but aren't you just losing money? ”

Li Longji is also smarter now, and knows some economic and *** relationships, of course, he still has a book of *** economics summarized by Zhang Xiaobao and Wang Juan in his hand.

It turned out that it was only for the inner courtyard to learn, but since he talked about opening a money bank, he was asked by Li Longji to go to a book, saying that he would not let others know about it within three years, so he would learn it by himself.

Zhang Shuo was also listening to the side, after knowing about this before, he was very happy, Zhang Xiaobao and Wang Juan made less money, and he could be regarded as out of breath.

At this time, I heard the emperor say that Zhang Xiaobao and Wang Juan lost money, and then contacted the two people in front of him, and said: "Your Majesty, it is impossible for Zhang Xiaobao and Juan Juan to lose money at all, whether it is a person who specializes in bringing goods to others, or a businessman who is willing to pay for the year, they need to pay the annual fee, and there will not be so many people who have paid it, how can two people pay it?" ”

"What Master Zhang said is that not only that, but also has the advantage that it allows us to quickly return the money, recover the money for repairing the bridge in advance, and then take it out to do other transactions, otherwise if there is no money to do business and manage the money to borrow, it will have to pay interest."

Zhang Xiaobao affirmed what Zhang said and said another benefit.

Wang Juan also continued: "Actually, there is another method, but it is a bit difficult to use. ”

"How?" Li Longji is most willing to listen to Zhang Xiaobao and Wang Juan talk about such things, and thinks that he can integrate that *** economics.

"The way is to choose a location that requires a lot of ships to transport, Xiaobao and I don't pay a penny, and post a notice, saying that we want to build a bridge here, and use the reputation of our Zhang and Wang families to guarantee, and you can also sign a contract with the government.

Then tell the merchants who come and go, and the people who are going to buy and sell in the markets on both sides, that if they are willing to pay the money first, then the annual fee will be half cheaper than that of others, and if it is not cheap, we will not take advantage of them, but return their money. ”

Wang Juan explained.

"Why is that bad?" Zhang said that it was nothing after thinking about it, and it was fair.

Zhang Xiaobao pouted, "Of course it's not good, we are taking other people's money and not giving it to profit, even if we return the money to them in the future, it is also a kind of deception to them, otherwise if we have no money, we borrow, how much interest will we have?"

Therefore, the imperial court should add a law, that is, this matter must be written in the contract, so that there should be no loopholes, and if the businessman who used other people's money does not meet the requirements, he must not only return the capital to the person, but also pay a very high interest, otherwise he must do it according to the contract. ”

Zhang Shuo, Li Longji and the others were taken aback, they didn't expect things to be able to do this, it was really amazing, if it wasn't for Zhang Xiaobao and Wang Juan saying it in person, I really couldn't imagine that there would be such a means.

Yu Wenrong's eyes lit up, looking at Zhang Xiaobao and Wang Juan as if he was looking at two treasures, even if the two of them had just shot his people some time ago, he didn't care, even if the people on his side let Zhang Xiaobao and the others clean up in Xincai County, he couldn't resent.

Who made Feng Changgong know that Zhang Xiaobao and Wang Juan's reputation was still unconvinced to oppose them, then it was good.

Yu Wenrong looked at Zhang Xiaobao and Wang Juan, and said to the emperor: "Your Majesty, Datang has Zhang Zhushu and Wang Xiancheng, maybe the law can be improved a lot, especially in the economy." ”

"Yes, Xiaobao, Juanjuan, what other tricks are there? Say one and let me hear it again. Li Longji agreed with Yu Wenrong's words, and asked Zhang Xiaobao and Wang Juan again.

Zhang Xiaobao glanced at Wang Juan, and Wang Juan replied with a look you said.

Zhang Xiaobao said: "Naturally, there are many tricks, all kinds of them, but they are all the same, like the one just now, it is not a fraud, after all, the deceived people do not lose much, and there is another way to do what the Ning family secretly formed when they were in Luzhou."

Using a thing that is impossible to make money as an excuse, and then defrauding the people of their money, that is really a fraud, if it is changed, it is the same as the previous one, it can be like this, that is, to build a bridge in this place, and then let the people invest money in, saying that they can give money to the people every month.

Then use this money to invest, and part of the money earned will be given to the people, and part of it will be kept, but I am afraid that the investment will fail, so not only will I not pay back the people's money, but the people who cheat may run away. ”

"Anything else? It's not a cheat, but you can really make money. Yu Wenrong was fascinated and asked again.

For example, if anyone wants to build a workshop somewhere, but has no money, they can borrow directly from the bank, and the bank cannot borrow immediately, because there is no collateral for this project, and even if it is borrowed, it is only a small part of the loan.

Even if the person who wants to borrow money invests a little money first, then he will not be given too much money, but if he buys a good piece of land with the money invested first, and then uses the land and the project to be carried out to take out a loan, he can borrow more money, because it will not allow the bank to lose.

This is considered to be two mortgages, as long as the operation is good, it is a win-win situation, and there will be a loophole in this regard, no one may know now, in the future, I and Juan Juan need to standardize it, that is, when the bank lends money, it is not a one-time all of it is released, but a part of the part.

What is the person who wants to borrow is going to do something, only if the money he got in the early stage is really used, can he continue to give him the money, otherwise there will be trouble, this is a very common thing, and it will be regulated in the future. ”

Zhang Xiaobao talked about it to the people who listened carefully, and then said a lot of loopholes in other aspects, and everyone secretly enjoyed listening to it and learned a lot, of course, it would be impossible to use it again, because Zhang Xiaobao would stare at it.

When I was about to return to the capital, there were several important places around the capital that had opened a money bank, and this procedure was approved very quickly, to be precise, no one ***.

made Li Longji very happy, he was counting on being able to occupy more territory through economic warfare as soon as possible, but Zhang Xiaobao and Wang Juan were not happy at all, because they found that there was one department missing, that is, the China Banking Regulatory Commission.

So after dinner, the two of them found Li Longji, who wanted to sleep with Concubine Wu Hui, and called the ministers who followed, and told everyone about supervision.

Especially when lending to foreign countries, this must be regulated, even if it is still possible to exploit loopholes, but what can be reduced by a part is a part.

Li Longji is worried now, because if you want to set up a banking supervision committee, you need people who are very proficient in this area, otherwise others don't know what to do, and if you want to say that the person who is proficient is naturally Zhang Xiaobao, but Zhang Xiaobao also has some money invested in the bank.

It is absolutely impossible to let yourself supervise yourself, but if you let others supervise, who can bypass Zhang Xiaobao?

Without supervision, there is no guarantee that the bank will actually act according to that interest rate, nor will it be able to use other means to extract the depositors' money, just like being an official, and it cannot make all the officials in a place local.

Of course, Sanshui County is excepted, and the place where Zhang Xiaobao and Wang Juan are located is also excluded.

What Li Longji and others are worried about is that others will also learn from Zhang Xiaobao and Wang Juan to open a money bank, and then use the interest rate of savings to compete, and then take out the money to do other things, not afraid that they will make money, but afraid that they will lose money, once something happens, then the credibility of the money bank will be gone, and who will dare to come in and deposit money in the future?

"Xiaobao, you really can't keep the banking supervision committee behind while running the bank?" Li Longji is still very relieved about Zhang Xiaobao, and feels that he will not use the power in his hands to seek benefits for himself.

Zhang Xiaobao shook his head seriously and replied: "No, absolutely not, this is not a problem of my character, but it must be done, if you don't do this, you can't standardize, no one can guarantee that you can really face so many opportunities without being moved, first of all, we must eliminate this aspect from the root."

For example, in my family, when taking money and using money, there must be two people, one is specifically in charge of money, but can not use money, and the other is specifically in charge of money, but can not manage money, the two supervise each other, if it is a large amount of money, it needs to be further approved.

In order to prevent a person from managing money and accounts, it is tempting others to make mistakes, once it goes wrong, it is the responsibility of my family, not the responsibility of the person in charge of money. ”

"What then? Who can oversee it? And how to regulate? Li Longji was worried.

"I can help train some people, now it is me and Juan Juan in the opening of the bank, within a certain period of time, we will not play tricks, this can still be guaranteed, in the management of the bank by us for the time being, but we can't immediately let other people also open the bank.

After I have been trained and specifically targeted so that the trained people can deal with mistakes that are not too big of a loophole, I can allow others to open money banks, and all those opened in private will be blocked. ”

Zhang Xiaobao doesn't have a very good way, the money bank can't be opened, if you wait for the training to be successful, it will delay for a long time, which is absolutely impossible.