Feng Manlou informed Feng Xiaoyun and asked him to inform Liu Dutou of the donation, and let Liu Dutou personally supervise it, he couldn't trust Wei Zhongshu at all, especially that Qian Weilun. Xiaoyun promised to leave!

When Feng Manlou arrived at the Yang family's house, the sky was already completely bright. Yang Hongcai was waiting for him in the study.

"Haven't slept all night?" Feng Manlou saw Yang Hongcai's two dark circles and asked.

Yang Hongcai said: "I just slept a little, I can't sleep!" Seeing those houses that are still soaked in water always makes me feel uncomfortable! ”

Feng Manlou comforted: "It's okay, the county government has already come up with a plan just now, and now the people in the entire yamen are tired, and they should start relief tomorrow!" ”

Yang Hongcai said: "I came to you to discuss, just to find a way to relieve everyone, and now our Huitong Bank also has some cash, I think about it, can we take this money to relief." Don't get me wrong, of course it's not for nothing, what I want is to take this money and lend it to everyone! ”

Feng Manlou said with a smile: "I see, if you come to me to discuss, it should be a question of how to get a loan and how to control the risk, right?" ”

Yang Hongcai shook his eyes and said, "Yes, it's a matter of controlling risks!" ”

Feng Manlou said: "Then have you thought about how to take out a loan?" ”

Yang Hongcai thought for a while and said, "I think I've thought about it, but it's not yet mature ideas, I want to ask your opinion!" ”

Feng Manlou said, "I'll give you a suggestion." You can negotiate with the people who have been affected by the disaster, the people who are willing to take out loans, and you can pay them to rebuild their houses, of course, mortgage the title deeds of the houses to Huitong Bank, and then repay a part of the money every month, and after 10 years, please pay it back. In this way, the people will have no pressure and will gladly agree! ”

When Yang Hongcai heard this, he said: "This is a good idea, and we can let the people choose for themselves, and after they have money, they can pay it back at any time, and we don't charge interest!" ”

Feng Manlou smiled: "Yes, that's it, but it's still the same as before, I just said it casually, as for how to do it, it's up to you!" ”

Feng Manlou said with a smile in his heart, isn't this what the real estate of later generations will do, but now Huitong suddenly has the role of a real estate developer and a bank!

"Plus, that loan can be launched!" Feng Manlou said.

Yang Hongcai was stunned for a moment and said: "I also want to, it's just that we don't have much cash at all, only less than 300,000 yuan!" And there are 200,000 yuan of deposits! ”

Feng Manlou said with a smile: "It should be almost, but don't give people money for your loan, you can issue silver tickets, as long as you ensure that the silver tickets can be exchanged at any time!" ”

Yang Hongcai was stunned again, and asked: "What should I do if someone comes to exchange it, what if I don't have so much cash to exchange?" ”

Feng Manlou said with a smile: "So, this cash should be used as a reserve!" Specializing in dealing with emergencies, think about it, isn't there someone saving money every day, and now Huitong Money Village can be said to have been recognized by everyone in Yuhang, and everyone must be happy to support Huitong Bank! ”

Yang Hongcai thought for a while and said, "This suggestion is good and feasible!" ”

Feng Manlou said: "If you think it's okay, do it, but the amount of the loan, you must control it well, and you can always use a small loan with less than money, you can do without a mortgage, but if you have always had more money, you must collect a mortgage, and you can only borrow eighty percent of the collateral, so it works!" ”

Yang Hongcai had already thought of it and said: "These suggestions are good, then I'll think about how to do it now!" ”

Feng Manlou said with a smile: "Of course, I have never been involved in the affairs of Huitong Bank, just to give opinions." ”

"Huh?" Yang Hongcai said: "Why do I feel that the silver bills of our Huitong Bank are the same as cash, and they can be bought and sold with silver bills!" ”

Feng Manlou thought to himself, you only know it now, but I heard Yang Hongcai say: "Sure enough, it is worthy of Wenqu Xing, it turns out that you have thought of it a long time ago!" ”

Feng Manlou thought silently, there are many things you didn't expect! But he said: "In that case, have you noticed that the diploma of the deposit is a bit redundant now?" ”

Yang Hongcai said "oh" and said, "It's true! I still have to think about it, how to deal with it! As long as we control the cash in the treasury and the number of silver bills printed, I think our Huitong Bank will definitely be better this time! ”

Feng Manlou said: "This time, Chase Money is going to be in pain." Most of their current loans are usury, and as soon as our loans are released, those who borrow usury can borrow our loans and repay the usury. Then find a way to exchange the cash of the Chase Bank for the person who has the silver ticket in his hand, and the Chase Bank will soon face big trouble! ”

Yang Hongcai said: "I'm sorry, it's just for business!" Didn't think of your business! ”

Feng Manlou hurriedly said: "It's okay, but this risk is very high!" How much did you buy the Chase Money Bank Silver Ticket? ”

Yang Hongcai said: "Not much, it's only a little over 100,000 now, but many people are willing to exchange the silver tickets in their hands for the silver tickets of Dahuitong, and most of them are exchanged for the silver tickets of our bank!" ”

Feng Manlou said with a smile: "Although 100,000 yuan is not fatal, it can also make Chase Qianzhuang's vitality hurt!" ”

After a night of exhaustion, he was so tired that Feng Manlou did not return to the yamen, but in the Yang family's house, Yang Hongcai arranged a side room to rest.

I didn't wake up until the afternoon after sleeping, Yang Hongcai had already asked people to prepare dinner, and Feng Manlou asked Xiao Tao: "How is the situation in the city now?" ”

Xiao Tao said: "Uncle doesn't know, Yuhang is lively today." First of all, there is a disaster relief matter, a box was placed at the entrance of the ya, asking everyone to donate, Liu Dutou personally led people to guard, if anyone dared to touch the money in the box, he would be arrested immediately. Just now they received the box, and all the money in it was distributed to the people who were affected by the disaster on the spot! ”

Feng Manlou said: "Whose idea is this, why is it so good?" ”

Xiao Tao said, "Wasn't it your idea? It was Xiaoyun who told Liu Dutou, and I also told me by Xiaoyun! ”

Feng Manlou suddenly remembered that he seemed to have asked Xiaoyun to inform Liu Dutou, but he didn't expect Liu Dutou to do things quickly!

"What about the second thing, tell me about it?" Feng Manlou asked.

"The second thing is that the gate of Huitong Money Village is about to be squeezed down by the people who save money, last night the eldest lady showed her identity by the river, and the entire Yuhang County has spread, everyone praises the aunt and the young lady, and really did good things for the people of Yuhang! Therefore, the deposits of Huitong Bank are more today than yesterday and the day before yesterday combined! And the eldest lady asked Yang Tongyang to say that there is no need to open a diploma to save money, and you can directly exchange the silver ticket in the future, and the speed is naturally a lot faster! Xiao Tao couldn't help but be happy when she said this!

Feng Manlou listened, this is the expected situation, today's deposit, should be able to reach 100,000 yuan, especially the introduction of the penny deposit system, many low- and middle-income people's pockets, should have entered the bank. This advantage is incomparable to Chase Bank.

"What about the third thing?" Feng Manlou asked.

When Xiao Tao heard this, her eyebrows fluttered and she said, "This matter is even bigger." Chase Money Bank is also crowded with people today, but they are all going to exchange cash! ”

"Oh, what's going on?" Feng Manlou asked.

Xiao Tao said: "My uncle didn't go out, I don't know, now there are rumors on the street, the cash of Chase Money has already been transported away by the owner, and there is a bigger secret, that Ma Wenhua is not the owner of the bank!" ”

When Feng Manlou heard it, this must be Yang Hongcai's masterpiece! Rumors, runs! It's playing out with the drama you expected!

Xiao Tao said this, and has been shouting happily, Feng Manlou had to eat dinner, feeling no sleep, now it is almost dark, I have to hurry back to the yamen.

When Feng Manlou returned to the Yamen, the outside of the county government was crowded with people, and when Feng Manlou saw it, it was all the people affected by the disaster in Yuhang! Zou frowned suddenly, what's going on?

But I saw that it was the old man from last night, and when he saw Feng Manlou coming back, he hurriedly stepped forward to worship, and Feng Manlou hurriedly helped him up and asked, "Old man, why do you need to make this big gift?" ”

The old man said: "My lord, the villagers have come to the Yamen to thank you sincerely, you are really a living Bodhisattva!" ”

Feng Manlou was stunned for a moment and asked, "Where did this come from?" ”

The old man said, "Your Excellency helped us resist the flood yesterday day and night, and we have all this in our eyes. And today we also asked the people of the whole city to donate money to us, and everyone was even more moved. Listening to that observation, the adults also donated 300 yuan, and the villagers have always been thinking about the adults! ”

Feng Manlou saw the old man's excited appearance, and his eyes were a little moist, and said, "It's okay! These are the things that this official should do. Besides, for one term as an official, for the benefit of one party! We are not the parents of the people, but we should treat the people as their own parents, this is the parent official! ”

Feng Manlou said a few words, and when it came to everyone's hearts, outside the yamen, it was suddenly crowded with people, kneeling down and saluting themselves, and Feng Manlou felt very painful in his heart at this moment.

From this moment on, I felt that I had really become a member of the Great Song Dynasty!

And at this moment, Ma Wenhua is discussing with several account rooms, what happened during the day made Ma Wenhua rush to fear, yes, it is indeed fear, fear to the extreme!

Things have to start from the morning, when the Chase Money Bank opened, it was still good, and there was nothing abnormal, but in the afternoon, I suddenly heard rumors outside, saying that the treasury of the Chase Money Bank, there was not much cash.

Suddenly, one afternoon was crowded with people to redeem, remembering the scene at that time, Ma Wenhua is still afraid!

The cattle bookkeeper said: "Shopkeeper, this afternoon, a woman suddenly came in, about forty years old, and he exchanged 100,000 yuan at once!" ”

Ma Wenhua asked: "Joke, a woman can exchange 100,000 guan, do you know how much 100,000 guan is?" He is a woman, can he move it? ”

The cattle account room said: "The shopkeeper was not present at the time, the woman brought a dozen or so people, all of whom helped to get the money, saying that we have no cash here, so we can exchange it early and rest assured." ”

When Ma Wenhua heard this, he was in a hurry, and the nerves that had been relieved were short-circuited again, and he fainted all of a sudden!

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