"That's it, a deal is just done?" Dugu Yiren asked Li Junxian in surprise.

"Of course, of course it's done. This guy is not bad, at least usually very good, so he can lend him money quickly. If it's those with a bad reputation, don't even think about taking out a loan even if they say it's the first day. Now we have to hurry up and train those people below, otherwise will we, the 'Duke of Wu Guo', come forward in person every time? Li Junxian said.

"But those guys down there haven't done this industry at all!" Dugu Yiren said.

"Then watch me do it a few more times so they can learn." Li Junxian replied.

It wasn't long before another person came, this time still looking like a businessman.

"Is this Datang Qianzhuang? I'm going to borrow money! Isn't it just 12 percent per year? Cheap! As soon as this guy opened his mouth, he praised the low interest rate.

Li Junxian hurriedly went to greet him, but this time this guy didn't recognize that the person in front of him who served him was actually the famous Wuguo Duke Li Junxian.

"I'm going to borrow money, 10,000." As soon as this guy opens his mouth, he says a very large number.

When Li Junxian heard this number, he almost blasted this guy away. This guy's appetite is too big, and he actually has to borrow 10,000 yuan as soon as he opens his mouth! The purchasing power of the Tang Dynasty was about 4,000 or so in later generations. And as soon as this guy opened his mouth, he said 10,000 yuan, which was a loan of more than 40 million yuan for later generations. This kind of loan, in ancient times, how many people could afford it!

But in line with the principle that the customer is the emperor, Li Junxian still said: "The loan still needs to be mortgaged, sir, do you have anything to mortgage?" ”

"Mortgage? Still want a mortgage? With my reputation, you can inquire? I'm a role model in Gangnam Province. The guy said.

Li Junxian understood, and said a little coldly: "You better go!" We don't lend you here! ”

"Why?"

"Just because we are Datang Qianzhuang, and His Majesty personally named Datang Qianzhuang, if you have any questions, you can go to the official."

"I ......"

"Get out of here!"

Li Junxian blew that guy away, then turned to Dugu Yiren and said, "See?" This one definitely wants to empty the white wolf and then go about his own thing. This kind of person has no wealth of his own, but he wants to do something through our loans. This kind of person is either a liar or a real anti-heaven talent who is able to make a lot of money in a short period of time. However, neither of these people is our customer. He said Jiangnan Province, but my Datang economy has not yet been developed, and it is still a question whether the entire Jiangnan Province has a tax revenue of 10,000 yuan a year! So, there is something wrong with his words. ”

"And what if he's a talent who defy the sky?" Dugu Yiren asked unwillingly.

"Hmph, this kind of person is not our material. We are talking about reducing risk, and we should find people who are well-run and have collateral to take out loans. This kind of unsecured and tens of thousands of words as soon as he opens his mouth let him get out. Although there are some people in this world who invest in some high-risk things, such as Lu Buwei, this kind of risky investment is not what our money bank should do. Our bank should do some low-profit, low-risk business, otherwise we can't guarantee the depositor's deposit. In fact, our money bank is operating in debt, and those depositors are our creditors. If we can't afford it, we're doomed. Li Junxian said.

It was the first time for Dugu Yiren to see this kind of business, so it was inevitable that he was a little puzzled. Originally, he just wanted to make a profit through currency exchange, but now Li Junxian has taken this money bank to an unknown path, instead of making money by exchanging currency, so that Dugu Yi people don't know much about it. This kind of relying on lending to obtain benefits is a completely new way. And borrowing other people's deposits to lend, this is very dangerous in the eyes of ancient people, but Li Junxian dares to do it, this is either a genius or a madman.

Next, there was another person, who looked rustic, like a rich man.

"I'm here to borrow money, and I'm going to borrow a thousand."

Li Junxian received him again.

"Sir, what are you going to borrow money for?"

"Buy land!"

After Li Junxian heard this, he immediately said: "I'm sorry, we can't lend money to those who want to buy land. ”

"Why?"

"No, that's our rule. You'd better find someone else! ”

Not long after, this guy was blown away again, which made Dugu Yiren a little unbearable. This kind of business that is sent to the door is blown away, this Li Junxian is too stupid, right?

"Do you think I'm stupid because I'm blowing up customers?" Li Junxian asked.

"Aren't you stupid? The person who was finally sent to the door, you actually blew it away, isn't this rich and not profitable? That guy just now looked like a rich man, and he had a lot of land. He can use the land as collateral, and there is not much risk for us to borrow and lend, so why do you refuse? Didn't you just say that? Are we going to do those low-risk lending businesses? Dugu Yiren asked puzzled.

"Miss Yiren, you have to remember that we are the industry of the country, and we cannot put making money first. Since we are the country's industry, the first thing we need to think about is how to do it in order to be good to the country. If it's harmful to the country, then we can't do it no matter how we make money. And that guy just now wants to take out a loan to buy the property, and we can't take out a loan. If we take out a loan, then we are accomplices in the land annexation. Didn't I tell you a lot about the dangers of land annexation? Therefore, those who want to buy land and property, we must not take out loans, and this must be written into the iron law of our bank. Li Junxian said firmly.

Only then did Dugu Yiren react that his Datang Money Village was completely different from the past, and his primary purpose was not to make money, but to meet the needs of the country.

And Li Junxian also knows that there is no such concept in this era. In fact, Li Junxian's understanding of those large state-owned enterprises in later generations actually means that they are not mainly to make money, but to indirectly regulate and control national resources.

Although the monopoly state-owned enterprise is not good in many ways, it can at least regulate and control the country's important resource industries, and the identity of his state-owned enterprise can play a buffer role for the political axe department and the people. If it is directly ordered by the political axe, I am afraid that the people's acceptance will be relatively low, and they will even be very angry. However, if it is a state-owned enterprise, it can buffer this sentiment to a certain extent.

In fact, this Datang money village is not really about making money, but actually plays a role in enlightening the financial industry and promoting business development for Datang. And this is to play the role of state-owned enterprises in later generations, but there was no such ideological and political thinking in ancient times, so Dugu Yiren did not understand it for a while.

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