"Miss Dugu, what good am I doing? Since we soldiers are the same as businessmen, we all want to use the minimum cost to win the maximum benefit, and I won't do anything that is not beneficial! Li Junxian said.

"Huh, stingy!" Miss Dugu scolded secretly.

In the end, Miss Dugu didn't suppress her curiosity, and took the initiative to say: "As long as the method you say is good, I can also use it to operate and give you a share." I can give you fifty percent, you give me the idea, I pay the money, and we do business together. ”

"Okay, that's it!"

Li Junxian was waiting for this sentence, he wanted to do business with Miss Dugu, a talented business girl. Let's not say that Miss Dugu is Dugu Yanyun's daughter, just say that his business thinking is enough for Li Junxian to cooperate with him. It is remarkable that the financial industry, which dares to think that others dare not think of exchanging money, and being able to allow merchants to exchange copper coins for silver to facilitate transportation, is very remarkable. So, working with a business genius, it's probably not going to be a loss.

"Miss Dugu, my method is to absorb the deposit and then go to lend money!" Li Junxian said.

"Absorb deposits? And then lending? What do you mean? Miss Dugu asked.

"Absorbing deposits is to collect other people's idle funds and then lend them to those who need to borrow. Although the people don't have much money in their hands now, those princes and nobles have a lot of money in their hands, but it's not a way for them to put it away and not spend it! They could only bury the copper coins in the ground and rust them, and they couldn't spend them. And we're just collecting that money and lending it to those who need it. For example, large merchants, they need to borrow money to expand their business, or it is possible to borrow money temporarily. However, we can charge interest. In addition, some farmers may have to sell their children because they cannot survive. And we can lend them money so that they can get through this difficult time, and they don't have to sell their sons and daughters. Li Junxian said.

In fact, Li Junxian's method is similar to the banking business model of later generations, which is to absorb deposits and then lend. However, Li Junxian got this method to ancient times, so it was very advanced.

"You don't have any of them! Aren't there a lot of libraries now? They can all pledge their things and exchange them for money! ”

The so-called quality storehouse is the later pawnshop, and Li Junxian knows how dark the pawnshop was in ancient times! Li Junxian once studied ancient economic history with a mentor, and he once saw an article about the interest of pawnshops in ancient times. In ancient times, the interest rate of pawnshops was very high, and the interest rate was high enough to make those who claimed to be usurers in later generations feel ashamed. Even in the Tang Dynasty, a dynasty that strictly controlled pawnshop interest, the monthly interest rate of pawnshops in the Tang Dynasty reached ten percent. In other words, the annual interest rate in the Tang Dynasty was one hundred and twenty percent higher. Ten copper plates were borrowed from a pawnshop in the Tang Dynasty, and twenty-two copper plates had to be repaid a year later. Such a high interest rate is enough to bankrupt countless farmers who have encountered difficulties. Once they can't afford to pay it back, the peasants can only sell their sons and daughters, or even sell their land. These high-interest pawnshops are also one of the reasons for land annexation.

What Li Junxian wants is to bring down these high-interest pawnshops, and then use the loan interest rate of the bank in the later world for ordinary farmers, which can be higher if it is not enough, and reach 1.5 times the loan interest rate of the bank in the later world. The low interest rate compared to this era is enough for countless farmers to take a breath and prevent them from having to sell their land. And the land is not serious, it is enough for the peasants to survive longer, so that they will not sell their sons and daughters at the slightest natural disaster, or even have a peasant uprising.

But Miss Dugu doesn't have such a great affection, he is just considering the feasible surname of Li Junxian's plan now. Miss Dugu believes that this method is feasible, but there are many problems that are still debatable.

"General Li, there are many problems with this method. And most importantly, how can we get someone else's deposit? Why do others put their savings with us? Also, what if those who borrowed money can't pay it off? Even if we sell those who are in debt, we can't get the money they borrowed, so what do we do? Miss Dugu asked.

"Bang bang bang!" Li Junxian applauded rarely.

"Miss Dugu is really the husband of the middle school, and she actually thought of the problems in this plan at once. These two issues can be said to be the core and most critical issues in my plan. If no one has deposited, then there will be no money to borrow, and we will end up in a situation like a pawn shop. And if others can't afford it, we lose money, so this problem also needs to be solved. Li Junxian also said.

"Then you say! What can you do? Miss Dugu asked.

"The question is simple! The first problem is the question of deposits. If we can let people who have idle funds deposit and then not charge them no custody fees, but also give them interest, then we can absorb a large amount of deposits? Li Junxian said.

"How's that going to work? If we don't charge a storage fee, then what do we eat! Miss Dugu said.

"Who says we don't have to earn? We give interest to those who deposit three thousandths of the way and let them put their money in. However, we can also lend the money to farmers who need it at an interest rate of 10 percent a year, so that they can tide over the difficulties. You see, one is three thousandths, and the other is one-tenth, and the difference is huge, and that's how we make money. ”

Miss Dugu immediately understood the problem, but he still wrote: "Only 10% interest on loans to farmers? Are you sure it's annual, not monthly? ”

But Li Junxian said righteously: "As a conscientious businessman, how can we be too greedy? Our main thing is not to make profits, but to benefit the people of Datang and let them tide over the difficulties. As long as the people of the world can weather the storm, and we can maintain some small profits, then why don't we do it? Isn't this the combination of the profit of a merchant and the righteousness of a scholar? ”

Dugu Mou's eyes changed completely when he looked at Li Junxian, he didn't expect that Li Junxian was not only a general who crisscrossed the battlefield, but also a compassionate philanthropist. Moreover, it is so rare to be able to combine the interests of businessmen with the righteousness of Confucianism!

And Miss Dugu's eyes were also a little different when she looked at Li Junxian, and secretly thought: "This guy is not so annoying!" ”

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