Li Yan said: "As far as his subordinates know, most of the wealthy people of the major families now lend money, and the children of middle-class families serve them, running like servants, and they are divided into them, and they are all as rich as princes. Pen? Interesting? Pavilion wWw. ｂiquge。 Hearing what the lord said, his subordinates suddenly remembered that this lending was the same as money lending, but the interest rate on the lord's loan was much lower than that of those guys. ”

When Wei Yan heard this, he was a little embarrassed, he thought that his idea was the first to open the world, but he didn't expect that the Eastern Han Dynasty would have similar business activities long ago.

Huang Chengyan saw that Wei Yan was a little embarrassed, so he opened his mouth to relieve him and said: "Don't hide it from you, my Huang Chengyan's original business also included loans, but the interest rate was lower than that of other businessmen, so Jingzhou people borrowed more from me." But I only use my money to lend, and the profit is limited. Wen Chang's intention is to take the wealth of the world for our use, there is money to take in the deposit, and the interest on the loan is low, I am afraid that everyone in the world will use the money bank, and will not deal with those businessmen who put usurious debts. I'm just worried that the big families will oppose this move. ”

Wei Yan was also a little worried that those families who said that benevolence and righteousness actually did some greedy and profit-seeking things would attack him, he was not afraid that the families of one county and one county would besiege him, but he was afraid that the families of the whole world would unite, so he pondered for a moment and said: "In order to avoid the opposition of the major families, we have temporarily raised the loan interest to the same level as the loan interest of most families, but we have exempted those intermediate fees, and there will still be a large number of people who will borrow from us in the future." We have already made concessions like this, and if there is still that blind family who dares to oppose it, then I will make that family's usurious lending illegal and banned according to law! ”

Now it is only the initial stage of the struggle for world domination, and at this stage, Wei Yan wants to unite all the forces that can be united, so he will not block all the financial routes of those families, he will only block the financial routes of those loan intermediaries!

Speaking of which, whether it is in later generations or in the Eastern Han Dynasty, there is a group of people who act as loan intermediaries, just like Li Yan said just now, "the children of middle-class families serve them, run like servants, and share from them, all of them are as rich as princes".

Before the crossing, he could receive calls from those loan intermediaries every day, "Sir, we are a bank cooperative institution, and we can provide loans as low as 4 percent", he once went to find out, and found that in fact, many banks can directly lend low-interest credit loans, through those intermediaries, the same credit loans, but also pay them several points of intermediary fees, and later, after receiving those calls, his first reaction is to get directly into the blacklist.

Wei Yan now brings the loan interest of the money bank to the average line of the family's lending, and does not compete with the family for profit, but just cuts off the life of those damn intermediaries.

Those intermediaries are jumping clowns, at most they can only say that they can move a few families to oppose Wei Yan, but they can't say that all the families will rise up against Wei Yan, after all, when these family figures find that those intermediaries actually make more money than them, they will naturally cut off this intermediate link and use their own children to lend.

After experiencing the life of slaves such as house slaves, car slaves, and kanu in later generations, Wei Yan found that the reason why houses, cars and most other consumer goods are expensive is that there are too many intermediate links, and there are too many people who want to make a fortune in the middle!

Take vegetables as an example, vegetable farmers sell a pound for only a few cents or even cheaper, but after a large number of intermediate links, transportation costs, and various taxes, when they arrive at the supermarket, they become a few dollars a pound, and the price has directly increased more than ten times!

If you can cut off the intermediate links, directly vegetable farmers to the public, vegetable farmers, citizens can enjoy the benefits, what an ideal situation, but in fact, the more it develops, the more vegetable farmers can not sell the price, and the more expensive the vegetables bought by the public, why? Why? Why?

Obviously, vegetable farmers and citizens are the largest class of people, but they are suffering the greatest injustice, vegetable farmers can't sell at a price, rotten in the ground, and citizens can't afford to buy vegetables, because the price of vegetables is too high.

Before the crossing, he was just a small office worker, he was soft-spoken, and his words were like a fart, and no one listened to him at all, but now, after crossing over, he has become a prince who can influence the general trend of the world, and Wei Yan wants to work hard to break everything that is unreasonable!

Not to mention anything else, the damn intermediaries and intermediate links in some industries have all been cut off, so that the majority of manufacturers and consumers can get the greatest profits! If you can't do this, no matter how beautiful the ideas and theories are, what kind of benevolence and righteousness you talk about, all of them are farting!

If nothing else, let's start by cutting off financial intermediaries!

After Wei Yan explained this matter, he said very seriously: "Under my rule, all the people can directly come to the money bank for loans, no matter how bad the situation is, they must lend him money!" Under my rule, there are no intermediary brokers, and if there are brokers, they will be killed, and those who collude with brokers will be killed! ”

In that life, he was helpless against those people, and in this life, he could determine the laws and order of this world through killing and law!

Subsequently, Wei Yan added: "Of course, the way to make money is not only to lend, but also to make a lot of money through currency exchange, pawn, auction and other businesses. ”

Huang Chengyan and the generals hurriedly asked: "What is exchange, pawn, and auction?" ”

Wei Yan first talked about the exchange business: "The money bank can exchange gold, silver, and copper coins for depositors for free, because the copper coins are depreciating, and the exchange rate is floating at any time. ”

He went on to explain concepts such as exchange rates.

Speaking of pawns, Wei Yan glanced at these martial artists: "It is estimated that the pawnshop will be your favorite place to go, if you have no money for the time being, you can pawn the real estate, carriages, silk, clothes, jewelry, and even expired weapons and aging horses there, which can be regarded as temporary storage, the pawnshop will give you a valuation, give you the money urgently, make an appointment to pick it up, and when you have money, you will redeem the things, and the pawnshop will charge a certain percentage of the pawn fee; If you don't have the money to redeem it after the appointed time, the pawnshop won't ask you for the money back, but will sell it at the market price. The pawnshop earns the difference between the pawn fee and the pawn price after the pawn was sold at the time of death minus the original pawn valuation. ”

Hu Ji asked, "Why does it sound like a loan?" ”