Shi Bufan hurriedly added the difference between abuse of power and policy support from the national government to this Qin Jiarui, which is very different. If an official abuses his power to protect or even give benefits to a certain businessman, this is an absolute abuse of power, and there must even be an unsavory power-for-money transaction or power-for-sex transaction, as well as power rent-seeking. However, we all know that the state actually has another method, which is called policy support. Once an industry or an industry, or even an enterprise has enough advantages, the state or local government will provide certain support. Some are government loans, and some are policy support in various aspects, so these are also support methods.

This kind of support method does not mean that it is unreasonable or even illegal and criminal, but that this kind of support is actually an influence of national strategy, not an abuse of power by an official. This method is a collective decision made by the government, a decision made for political purposes, not for the selfish interests of an official. There are many benefits of policy support, especially for industries that are in short supply of the country or needed for the future strategic development direction, and there will be various supports from the economy to the policy, so that the entire industry is not the difference between a person using power to support and protect.

"Therefore, it is precisely because the imperial court wants the people to recuperate, that they need money so much. The people needed money to buy farm tools, but the price of these farm tools was not low. So when they don't accumulate enough wealth at the beginning, they won't buy too good farm tools. Once there are no farm tools, then they will definitely have to use inferior farm tools to farm. Poor quality agricultural tools are naturally inefficient, and food production is much lower. If we can lend to them, not only will we not necessarily increase their burden, but we will buy them good agricultural tools, and after using good agricultural tools, we can even increase food production and the speed of food planting. If you rely on this primitive accumulation of theirs alone, it must be very slow. So we just give them a sum of money to give them a higher starting point, so that they can also resume production very quickly. This is good for the court, and it is also good for the people. In this way, the imperial court can restore tax revenue as soon as possible, and only after having tax revenue can it restore national strength as soon as possible, etc. ……”

Next, Shi Bufan told this Qin Jiarui a lot about the so-called resumption of taxes after the resumption of production, which is not only beneficial to the people themselves, but also to the imperial court. These are actually common sense in economics, and Shi Bufan certainly understands it.

"You seem to have a set of things, but why don't you do it yourself?" Qin Jiarui asked.

Shi Bufan was embarrassed for a while and said: "I only know how to study theories, and I study macro, not micro. ”

Qin Jiarui didn't know what was macro and what was microscopic, so Shi Bufan had to explain it again. Shi Bufan is actually quite embarrassed, he studied macroeconomics, and is responsible for studying regional and national economic changes, so he is not good at the implementation stage. This is the division of economics, and he did not learn all the economics. There are many branches in any discipline, even if Shi Bufan is a liberal arts tyrant, it is impossible for him to learn every branch. He only specializes in some branches, and other disciplines are just a little understanding and don't seek to understand them, and he won't study them desperately. So it's very familiar with macroeconomics, but it's not very familiar with this kind of specific one-family economy. This is also because he is not very good at family financial management, so he was willing to meet Qin Jiarui on a blind date.

"Well, in that case, we don't have much money of our own! Even if we sell more of our property, we won't be able to lend it to many people! At present, the property I own, even if it is temporarily the property of the Qin family under my control, adds up to only tens of thousands of dollars. In fact, these industries are all fixed industries, and the real capital is less than 1,000 yuan. Even if each family borrows five times, then I will not be able to lend to 200 households, which is useless! Moreover, this interest rate is too low, only one into five. In business, I think that for the support of this imperial court, such a low interest rate cannot be used as the direction of our investment. ”

Qin Jiarui was naturally reluctant to invest in this method of borrowing, because the interest rate was too low, and they didn't have so much money to borrow. However, Shi Bufan was already prepared, of course he couldn't borrow money by himself!

"Of course we can't borrow money from our own people, that's a fool's method. We can use other people's money to make money, and that's what we do. To use other people's money to make money for us, this is our real ability! When the time comes, we can have someone else lend us the money, and then we lend it out again, isn't that great? Shi Bufan said.

Shi Bufan then explained to Qin Jiarui the situation of the banking and financial industry in the future, especially when Qin Jiarui heard that banks can absorb other people's deposits to lend. Banks can even give some interest to those depositors, but the interest rate is relatively low. On the other hand, it lends money to those who need loans, so that the interest rate is much higher. Therefore, the interest rate difference in the middle is also an important means used by banks to make profits, which can also obtain a lot of income. And this is completely using other people's money to make money for yourself, which is simply amazing. Such a method is simply powerful.

Qin Jiarui's biggest worry is that her current funds are small, and the interest used to lend is only 15%, so the interest is not high, and she is unwilling to do it. Therefore, it is better to go to other industries with high returns if you have this spare time, which is the best way. However, at present, I heard that Shi Bufan used this other person's money to make money for himself, which is the best.

"My money bank or something, in fact, is also an important means of social wealth redistribution. At present, the wealth of my Datang is too concentrated in the hands of those scholars and officials, and ordinary people have no money, and it takes a lot of time to accumulate it gradually. Those who need it don't have it, but how did the gentry and officials store it? The nobles and officials put all this wealth in the warehouse, and then let the copper coins rust, and even let the ropes that string the copper coins rot, so what is the use of the money they put in the warehouse? At that time, I heard that this was the case, the money in the treasury was rusty, and the ropes were rotten. ”

Qin Jiarui immediately asked, "Isn't this very good?" Prove rich! ”

"Well, I don't think so. The really smart court does not look at how to save money and how to save money, but to see whether they can spend money and whether they spend it to the point. If you just save money, it may not be good for the country and the people. Shi Bufan explained.

When Shi Bufan looked at Wenjingzhizhi there, he said that the copper coins were rusty, and the ropes that stringed the copper coins were rotten, which proved the country's wealth. But Shi Bufan also thought so at first, but when he went to study economics, he found that this was not the case at all. In the final analysis, money is just a pile of broken copper and waste paper, and from a macroeconomic point of view, if everyone does not consume and does not spend, then in the end, this money will not be circulated. Once money cannot be put into circulation, then commodity trading must be seriously hampered. Once commodities cannot be traded, they cannot be effectively circulated and traded through this currency as a medium, and the blow to commodity trading is extremely huge.

So when Wenjing was in the reign of Wenjing, so much money was stored in the warehouse and rusted, which made Shi Bufan very speechless. Just saving money without spending money is not good for the people and the country in the final analysis. To be a truly qualified ruling official, you have to think not only about saving money, but also about spending money. Perhaps, it is more important for an official to spend money than to save money. It will cost money, and when the time comes, it will be recouped by stimulating the economy and then generating more tax revenues.

And this will spend money, not extravagantly wasteful, but spend money on the main points, which can stimulate the economy and promote commodity transactions, generate more tax revenue, promote development and productivity, so that it is the real sense of "will spend money", rather than those extravagant and wasteful spending on construction. In the eyes of Shi Bufan, a macroeconomist, the ruler who can spend money is more rare and important than the ruler who can save money.

"We gathered the wealth of the gentry and gave it to the people again in the form of loans, and then the people could buy agricultural tools in large quantities. After the people bought agricultural tools, they could further make the blacksmith reap the benefits, and the blacksmiths needed a lot of steel after the profits. Once the common people needed a large number of agricultural tools, this would inevitably be purchased through blacksmiths, who bought steel in large quantities, and the taxes of the imperial court would inevitably increase. Because of this, our Datang steel production will inevitably expand again as needed. This also increases the potential of my Datang steel production, and it will be of great help to my Datang war potential in the future. ”

Shi Bufan explained to this Qin Jiarui one by one that after distributing the wealth to the people, and then the people purchased farm tools according to them, and then various processes went down, and then produced huge economic benefits. As the government or the lender invests a penny, the benefits produced in this flow process are enough to reach the economic benefits of 100 cents or even thousands of cents, and then finally bring a return of 10 cents to the country. That's what it means to really spend money.

In ancient times, there were too few rulers who could spend money, and they opposed large-scale construction and large spending, but instead thought that the country would be rich only after storing money in the treasury and letting them gradually rust. I don't want to comment on this situation, because this also depends on the situation at the time, and you can't use the same standard for all of them. But if the government and the rich only save money and don't spend it, it will be of no use for economic stimulus. Moreover, a large amount of copper money is deposited in the coffers of those countries and the rich, which will cause serious deflation.

"I Datang has been minting money a lot of time, but no amount of copper coins have been invested. Why is that? Imagine that we have minted so many copper coins since the ancient pre-Qin period, and almost all of them were thrown out, but there were not enough of them, and these copper coins were not enough to use. And this is not because there are too few copper coins, but because a large number of copper coins have not been really used, and they have been collected by those dignitaries and nobles, and they have not been taken out to spend. What is the difference between being in a treasury and not minting copper coins? Money is for use, not for collection. It's actually useless to collect it! Shi Bufan said.

Shi Bufan even estimated that if the copper coins in the ancient pre-Qin period were used together, then I am afraid that the inflation of Datang may increase by more than ten times, and the price will inevitably increase by more than ten times. That's the scariest thing. Therefore, what Shi Bufan should consider is to gradually take out the money of these nobles and use it, on the one hand, it can help him make money, and on the other hand, it can also promote economic circulation and promote social development. Instead of letting those copper coins continue to be stored in the warehouses of those nobles and rich people, and end up being of no use and wasted.

Next, Shi Bufan said: "You go to prepare first, prepare to establish a bank, and then I will help you pull the deposit." I think I have a way to get the deposit, so that we can make good use of this other person's money so that we can have more income to make money. As for the next, we can live our dashing days well. In this way, we can help the people, and we can all earn enough wealth, so why not? This is a good thing that can be seen in both fish and bear's paws, so why should I refuse? ”

Qin Jiarui immediately admired and said, "You are so powerful, you even know this?" If I hadn't listened to you, I wouldn't have been so enlightened! I didn't think that money could make money directly, not just after the product was made. This kind of money making money is really too clever. Not only can you make a lot of money, but you can also get a good reputation for helping the people, and the court will also support and help appropriately, which is the best. Moreover, using money to make money is relatively simple compared to doing those other industries. ”

Shi Bufan nodded and said, "There is a famous businessman who said a very classic sentence. If you don't have money, you do the business of money! ”

Qin Jiarui heard this sentence and seemed to be thoughtful. Because Shi Bufan's words were actually said by Hu Xueyan in the late Qing Dynasty, Hu Xueyan was able to grow from an apprentice in a money village to a top red-top businessman, and he was very set. He is very good at using economics and using financial calculations to his advantage. However, this Hu Xueyan is also the so-called water master who died in the water, he was good at financial scalping, and in the end he also died in financial scalping, that is, because his opponent was also a high-level red-top businessman, even more powerful than him, because defeating him was called Sheng Xuanhuai.

And although Hu Xueyan said that if there is no money, it is not so easy to do a money business. It is necessary to have a high knowledge of economics, and to have a strong heart, and to be very proficient in economic calculations, and to calculate all costs and methods. And the cost of this kind of financial industry is actually very low, there is no need to build factories, no need to purchase raw materials, etc. In fact, the real core wealth of many financial companies can be taken away with a leather bag. Finance needs calculating talents, but there are not many such talents. Hu Xueyan can have this famous saying, although it sounds very beautiful, but ordinary people don't have this ability.

"It seems that I have also crossed into a good time, so that I can make a fortune quickly! Although I am not very good at microeconomics, but the ancients of this era, they are even less good at economics than me, and I am the best among such a group of short people! However, this also gave me the opportunity to make a lot of money! Shi Bufan smiled bitterly.