Liu Yong traveled to this era and never left Fuyi, and it can be said that this is his hometown. It is his responsibility and obligation to defend and build Fuyi www.biquge.info pen, and for this reason, he has always had two plans in his heart, one is to establish a spy company, and the other is to establish and improve the spy network. These ideas were unthinkable before, but now that the conditions are finally ripe, first of all, funding is not a problem. Liquor, medicinal liquor, porcelain in Xiangyang, Jingzhou, Jiangxia and other places sold very well, and even some merchants trafficked to Chengdu, Bazhou, Xudu and other places, accumulating a lot of funds for the development of Fuyi. The second is the success of the recruitment conference, which has recruited a large number of talents.

Let's talk about the establishment of the spy company first, this is very easy, and the prototype will take shape with all kinds of strange and talented people who are good at tracking, outstanding eyesight, super hearing, good at camouflage, good at climbing, etc., plus the elite soldiers in the original battalion. Of course, this is only the first step, and there is still a lot to be done, but there is still a lot to be done. The first is to solve the problem of the treatment of these people so that they do not have any worries about the future. For Liu Yong, the problems that can be solved with money now are not a problem; The second is to find out the situation of the team members, mainly because they are worried that there are foreign undercover agents or something, and some small character is missing or something, and they are secondary; The most difficult thing is the third, to twist people from different walks of life and different cultures from all over the world into a rope, think in one place, and work hard in one place, so that they can be invincible. This is an extremely important "political and ideological work," and Liu Yong has taken a variety of measures, such as face-to-face heart-to-heart talks, collective activities in which they cooperate with each other, and the "rectification movement" that magnifies the advantages of their teammates and exposes their own shortcomings.

The other is much more difficult to set up an espionage network. In the final analysis, whether it is war, politics or economy, the most important and crucial thing is to obtain first-hand timely and accurate information, and make judgments and countermeasures as soon as possible. The need for a lot of money is still secondary, and the core is still people. It is not easy to find such a person who must be cautious, loyal and reliable, unyielding, flexible and proficient in management. Among the hundreds of people who signed up, Liu Yongxian only selected two, one to Xiangyang and one to Xudu. The public identity is the shopkeeper of the franchised commodity store in Xiangyang (Xudu) sent by Fuyi, which has the advantage of using the identity of a businessman to effectively cover himself and establish and expand the espionage network in the local area, and can also prevent other fake and shoddy goods under the banner of Fuyi from snatching business, so as to maximize profits.

Liu Yong can't wait for a button in the game to pause time, and start it when everything is built and assigned, otherwise it would be nice to have a dozen or so Liu Yong separated. He was too busy, no, Yu Chuan asked him to solve the problem again.

"Childe, a few businessmen from other places came to the county office today to find the old man, saying that Childe promised the county that the county would invest in helping them build a factory. Now other people's workers have also been recruited, just waiting for us to pay for the start of work. Yu turned his face with a bitter look.

Liu Yong patted his head and said embarrassedly: "Gong Yu, I'm sorry." These days, I was busy building a spy company and a franchise store, so I didn't ask much about it. A frown, "Isn't there a lot of income in the county these days?" There should be a lot of taxes collected in advance, income from auctioning land and selling porcelain and liquor. ”

Yu rolled his nose and snorted, "It's true that I have received a lot, but it also costs a lot." Buying raw materials, building roads, building factories, and what kind of epidemic emergency drills do you have, do you spend less money in these places? Do you want to take a look at the county's account? ”

Liu Yong heard the unhappiness in Yu Xuan's tone, and hurriedly said: "How can you believe the character of the master bookkeeper, not to mention that there is an upright Duke Yu supervising on the side, and there are 10,000 rest assured." ”

Yu turned and snorted softly, Liu Yong saw that his face was cloudy, and said with a coquettish smile: "I don't believe that Yu Gong has no money in his hands, can I take out some more?" ”

Yu rolled his eyes and glared, spittle flew, his beard trembled, and he said angrily: "Don't even think about that money." It was reserved for emergency use in the county, and the old man had no right to use it. ”

Liu Yong sighed, spread his hands and said, "Then there is only one way." ”

"What's the method?" Yu Pan was overjoyed, jumped up, and then sat down again, squinted at Liu Yong, and said dissatisfiedly, "I'm afraid that Gongzi has planned it a long time ago, but he didn't say it until now." ”

Liu Yong grinned and said: "No, although I have had this idea for a long time, the time is not yet ripe, and it is just an emergency." ”

Yu Fang was not surprised to see it, just listen to it, and sure enough, five words burst out of Liu Yong's mouth, "Let's open a bank." ”

"Open a bank." Yu was confused for a while and asked, "What do you mean?" ”

"A bank, to put it simply, is a place where other people's own money is deposited with me."

"Isn't that a bit like a pawnshop?"

"Not really. Banks only accept money, not goods, and they do not collect money in different ways. ”

Yu Fu said cautiously: "Do you help others keep money and things, and then charge some storage fees?" Is that what it means? How much is this income? ”

Liu Yong smiled slightly and said, "Gong Yu, it's not like this. When someone puts money with us, we pay them a small percentage. ”

Yu jumped up when he flipped over and said hatefully: "What? We keep their money and belongings, and we have to pay them, what is the reason? Not only will we not make money, but we will lose money. ”

Liu Yong smiled and said: "Gong Yu, the account is not calculated like this. Do you think, why do others put their money with us, do they really feel more at ease when they put it in the yamen? Is it safe to have your own custody again? Yu Gong, to understand it this way, when others deposit money to us, it is equivalent to them lending us money, of course we have to pay interest, right? Once we have this money, we can invest it in people who need it more and charge more interest. This difference between the in-and-out price is our profit. ”

Yu Fu suddenly realized and said with a smile: "This is a bit like usury, but using other people's money to lend usury." He asked in a skeptical tone, "But will anyone want to keep their money with us?" After all, they can lend money themselves, and the interest rate is much higher, far better than what they have with us. ”

"It's normal for Gong Yu to have these concerns." Liu Yong nodded, and explained in detail, "However, the deposits we absorb mainly come from those small and medium-sized landlords, rich peasants, or small merchants and shopkeepers. These people don't have much investment channels, he doesn't feel at ease when he lends it to others, and he feels a pity to put it at home, rather than putting it at home to be moldy, it is better to save it to us, not only safe but also some income. Secondly, we have an advantage that usury cannot match. Our bank is run by the county government, with high creditworthiness, low risk and more reliable; Moreover, the interest rate on the loan is much lower than that of those loan sharks, and the borrower is more likely to afford it. Of course, there are many more details in this. For example......"

Liu Yong paused, and said: "For example, deposits, can be divided into two types: current and fixed. The current account can be withdrawn by the depositor at any time, which is very convenient, and of course, the interest rate is the lowest; Fixed-term can only be withdrawn at the end of the day, and the interest rate is correspondingly higher. We can also divide it into a little more detail, one-year, three-year, five-year, etc., the longer the deposit, the higher the interest, if the depositor wants to withdraw in advance, then the interest will be paid according to the previous grade, and a lot of money will be lost. In this way, the deposit left in our hands will be relatively fixed and the amount will be much larger. Yu listened intently, nodding from time to time.

"Let's talk about loans. We have to stipulate the procedures for loans, not everyone can borrow. Factors such as the borrower's creditworthiness, ability to repay, etc., should be considered. Generally speaking, loans must be secured, such as house deeds, land deeds, antiques, jewelry, and so on. If you don't have any of these, you can borrow money to build houses, factories, purchased equipment, raw materials, and even use technology and recipes as collateral or find a third party as a guarantee. The loan term can also be divided into five years, ten years, fifteen years, twenty years, etc., and the longer the loan period, the more interest will be paid accordingly. However, for people with low incomes, this also has some benefits, as they will have much less pressure to make monthly payments. Again, this can happen. For example, what should a borrower do if he borrows for 10 years and suddenly has money and wants to repay the loan early? Therefore, we have to make such a provision that the borrower initially repays the interest and finally the principal, so that we can avoid our losses. In addition, the county government should issue a proclamation stating that the county government will not recognize, accept, or protect usury or private loan lawsuits that are more than three times the bank interest. ”

Yu rubbed his beard and nodded frequently, "Makes sense." He pointed at Liu Yong's nose and smiled, "Young Master Liu, the old man thinks that you are a complete profiteer." ”

Liu Yong smiled lightly and said: "Profiteers are profiteers." In my second thought, if the deposits we absorb are not enough, we can also use the distillery and porcelain factory as collateral to borrow money from large families in the city, and I believe that we can still borrow a lot of money. ”

"It's best not to mortgage." Yu sighed, frowned lightly and said, "It's best to let those rich people also use the money to set up some factories, which can not only solve the livelihood of the displaced people, but also increase the income of the county." ”

Liu Yong asked cautiously: "May I ask Duke Yu, how much of the tax collected by the county should be paid to the state capital?" ”

Yu sighed: "Now that there is a big chaos today, the state capital has been occupied by Sun Ce, what taxes do you have to pay to the imperial court?" ”

"Does this mean that we are at our disposal for all the taxes we collect?" Liu Yong smiled, thought about it in his heart, and said, "Gong Yu, I'll see if I can do this." Some tax reductions and exemptions will be adopted for newly established factories, which will be exempted in the first year, half in the second year, and 80% in the third year. In this way, those big investors may use the money to invest in factories. ”

Yu Fu nodded and said, "This method is okay." But how and how much should it be collected? ”

In this regard, Liu Yong is also a layman, and after thinking about it, he said: "The project can be called business tax, multiplication tax or something." How about 10% or 20% of turnover or sales? ”

Yu turned his head and said: "The old man thinks that 15% is enough, but I'm afraid that I won't be able to collect it." ”

"Yu Gong doesn't need to worry." Liu Yong said, "The county government can set up a tax management department, issue licenses to every factory and shop, send people who know how to operate to check the accounts every month, and then send troops to crack down on tax evasion and evasion, so as to ensure that there are no major problems in the county's tax collection." ”

Yu chuckled, "That's a good idea." After a pause, he said, "These are the next steps, the old man is most worried about public security now, soldiers and bandits are not eliminated, and those rich people will not rest assured that they will take out the money." ”

Liu Yong agreed: "What Gong Yu said is extremely true. Now Cao Cao, Yuan Shao, Yuan Shu, and Lu Bu are intertwined, and it is difficult to distinguish between victory and defeat, and Sun Ce focuses on Jiangdong, thinking that Fuyi can maintain peace for three or five years, and at the current speed of development, the county may be doubled by then, and there will be 30,000 soldiers, so there should be no problem in dealing with ordinary forces. At present, the most important thing is the bandits, and in the next place, I will send someone to investigate first, and in one fell swoop, we will wipe out the bandits' dens and ensure prosperity, righteousness and peace. ”