"Nonsense." Liu Zhang slapped the account book on the table at once, and said angrily: "Your bank coordinates so many workshops, and almost all the money deposited by the official workshop is in your hands, and I have allocated so much money from the pastoral government, how can it be that there are only dozens of dollars?" You're not going to fill your pockets, are you? ”

"The lord is wronged, how dare Zhang Song commit a crime against the wind, no, no, Zhang Song doesn't dare to commit a crime." Zhang Song said with a bitter face.

He really found out that the bank was a place of oil now, but now it was in a difficult period in Jingyi, and all the government officials were staring at the money and grain, and Liu Zhang was also very careful, where did he dare to think anything wrong at this time.

"Originally, there was some money in the bank, but since the reconstruction, the craftsmen's houses and workshops have taken all the money away in order to resume production, and many merchants and people, who want to make a fortune, have also come to borrow money to open workshops and merchants, and I have measured their mortgaged property in accordance with the regulations, and lent them the money, and increased the investment in many workshops, so now there are dozens of dollars left, which are just deposited by the merchants."

Liu Zhang looked at Zhang Song with a look of grievance, and sighed: "It's okay." ”

Liu Zhang propped his forehead, it seemed that it was impossible to take money from the bank, and asked again: "How much money do you expect the bank to take out in October?" ”

"And who can say for sure?"

"What did you say?" Liu Zhang looked at Zhang Song, Zhang Song was startled, Liu Zhang said: "How many times have I told you, you have to budget a budget, where is your budget?"

If you are a bank boss and don't understand this, how can you manage a bank well? As I said earlier, you have dozens of dollars left, what if those merchants who save money come to withdraw money? If you can't come up with the money? Who still trusts you? Who will put the money in there? ”

"Isn't it time for me to invest more and increase my returns? How could there be so many people suddenly coming to withdraw money, and it really can't work, the pastoral government can also allocate money to turn around. Zhang Song said.

Liu Zhang's right hand pressed his forehead hard, his expression painful. It seems that it is really difficult to talk to these ancients about this, Zhang Song is not bad, and it is good to be able to do this now.

"Okay, you hear me clearly." Liu Zhang breathed a sigh of relief and said, "In the future, the bank must have a budget, investment, loans, and deposits. Earnings, expected acquisition of stranded commodities, and expected sale of stranded commodities must be planned, and there must be a financial report in a quarter, otherwise you will get out of the way as soon as possible. ”

"Oh, yes." Zhang Song thought about it carefully and felt that what Liu Zhang said was indeed reasonable, in case the economy suddenly declined. Or someone deliberately messes with the bank, spreading rumors that the bank has no money, and it is really possible to attract collective withdrawals, which is the same as those money banks now.

And the budget is bigger, there must be, I mean that I always see money flowing from my hands. I also made a lot of money, but I was confused in my heart, and I didn't know how to dispose of it.

If you have a budget, you can not only manage it in an orderly manner. There is also a clear account in my heart.

It's just that Zhang Song doesn't understand, how does Liu Zhang know this?

Two years ago, Liu Zhang was in addition to eating and drinking. It is estimated that there will be nothing, two years later, he will be able to recite poems, lead troops to fight, invent chairs and benches, mahjong and chess, let the people criticize the clan, and manage the bank.

Let's just say that the Arabic numerals implemented in Shuzhong before made Zhang Song unbelievable, such a complete set of calculation methods is really Liu Zhang's inspiration? How spiritual is that?

"Alright, you go down." Liu Zhang was a little worried and waved his hand to Zhang Song.

Zhang Song took a step and suddenly turned around and said, "I have calculated it, and it is estimated that our bank will be able to earn 30,000 yuan by the winter solstice." ”

"So much? How do you figure it out? Why didn't you say it just now? Liu Zhang raised his head and asked.

Zhang Song said: "The money for all the large transactions is in my mind, and I also have the total amount of those loose money, the funds invested in the workshop and merchants, the rate of return, the income from bank loans, and other miscellaneous income, after two years, my subordinates know about it."

So I did the mental calculation just now and calculated the approximate number, to say that this 30,000 yuan is a lot, it is really not much.

Lord, you don't know, now our bank is a popular attraction for various merchants, almost all of them are divided according to the amount of capital, that is to say, a workshop construction fund is 10,000 yuan, if we invest 5,000 yuan, then don't care about anything else, and in the end there will be fifty percent of the income, which is simply the money sent to the door.

In the first two years, with the prosperity of business, the bank has a lot of funds, and now the business is withering, and the subordinates have budgeted these, not counting this autumn harvest, the market will be a little better, and the income will only be high and not low, with the steady development of business in the future, the income should be higher and higher. ”

Liu Zhang looked at Zhang Song in surprise, this is simply an ancient and modern genius.

Although Liu Zhang's bank has many fewer functions than the current bank, it mainly has three functions, deposit and withdrawal, investment, and buying and selling unsalable goods.

But the accounts are also extremely complicated, Zhang Song can remember them one by one, there is no budget, and as soon as he asks, he can quickly synthesize the data and get the results, such a person is simply amazing.

And as soon as Zhang Song popped up, a lot of professional terms popped up, and he didn't teach him for long, but he just took the time to write a simple textbook for him, which was abstract and difficult to understand, but he didn't expect him to use it so skillfully.

The bank came in so quickly, Liu Zhang suddenly had an idea, and said to Zhang Song: "Yongnian, do you see if we can do this, we first reduce the people's taxes, use the money from the bank to buy grain at a high price from other states and counties, and then come to fill the tax grain, so that the people have money to buy goods, promote business prosperity, and form a good cycle, how about it?" ”

Zhang Song thought for a while: "It's good, but in this way, there are too many people engaged in commerce, and the lifeblood of our grain can be held in the hands of others. ”

"yes." Liu Zhang sighed, no matter what era, food is the most important, if you just rely on business to make money, and then buy food, prosperity is prosperity, but it is all a false shelf, if others cut off food during the war, they will collapse in an instant.

Liu Zhang thought for a while and said: "We must have our own stable grain stockpile, and then buy and sell grain on a small scale, as much as we can buy, and then reduce taxes as appropriate, which is a way to do it." ”

Liu Zhang thought of this and found that it was really difficult to get through the road of expanding domestic demand, and the people were growing grain in the dark, and they really didn't have much money to buy porcelain and silk art. It is still necessary to expand external demand.

"Southwest Silk Road." Liu Zhang pondered silently.

…………

Liu Zhang took his soldiers to Xicheng, dressed in civilian clothes to inspect the workshops and merchants here, to open the Silk Road, the first assessment is whether it can make money after the opening, then it depends on what you have to sell.

After following Hu Che'er, Liu Zhang arrived at a miscellaneous merchant and saw several chairs that he had never seen. Asked the boss: "Boss, are these chairs produced by the three-character workshop?" ”

There were three or two customers in the store, a thin middle-aged man was looking through the pages on the table, and the boss was writing the account book, and when he heard the question, he raised his head and was immediately surprised.

Although Liu Zhang was wearing people's clothes, most of the people in Xicheng knew Liu Zhang, and with the guards behind him, the boss recognized Liu Zhang's identity at once.

"It turned out to be the state pastor. Do adults want to buy chairs? These chairs are given to adults for free. The boss said with a smile, and at this time, the middle-aged man who was looking at the page looked twisted, first glanced at the sun in the sky, and looked at Liu Zhang in surprise.

Liu Zhang frowned, "Boss." I'm just asking you, is this chair made by the three-character workshop? ”

"Oh, some are, some aren't." The boss pointed to a few well-behaved chairs: "Huh." That's the three-character workshop, nothing else, you look at this chair. ”

The boss lifted a handful of legs and feet crossed. A fork-shaped chair locked with a screw: "Look, this is a chair from the Yin family's workshop, which can be folded." The boss folded the chair up and unfolded it again.

"Ordinary people, usually don't use many chairs, only use to greet guests during the New Year's holidays, so these chairs are not easy to place, look at this kind of chair, where to put it at home, more worry-free, and cheaper, sell better than the three-character workshop, and this kind of rotating chair, is the ...... of the Wu family"

The boss introduced them one by one, after introducing the chairs, and introduced the cloth, silk, and embroidery, almost all of them were varied, except for the paper blocked by technology, other ordinary products have become dazzling from the single official workshop in the past, and the functional prices are different.

Liu Zhang sighed in his heart, sure enough, ancient and modern times are the same, as long as the people are given enough space to play, they will naturally be able to make surprising good things, especially businessmen, they dig out their minds to make money, and they will promote technological upgrading.

The official workshops are now basically reduced to second-class goods, and the products are too conservative, and the best-selling products are those of private merchants.

Liu Zhang bowed his hand to the boss and left, and the boss was flattered and hurriedly bowed.

Liu Zhang said to the notekeeper: "Remember, all the newly generated technology, merchants can apply to the government for subsidies, as long as the technology is good enough, they can get the official's money, and the official will not force them to hand over the technology." ”

"Yes." The note-taker writes.

"However, no one is allowed to privately pass on all the declared technologies to other places, and once verified, they will be strictly dealt with according to the loss."

"Yes."

Technology, it is nonsense to talk about patents now, but at least some encouragement and protection measures must be done, so as to ensure that Jingyi's products are the best in the world.

Liu Zhang was about to leave, when the middle-aged man in the store walked out and beckoned, "Uncle Huang stays." ”

Liu Zhang turned his head and looked at the middle-aged man in surprise, his complexion was dark and thin, and he looked honest: "...... are you?" ”

The man bowed to Liu Zhang and spit out four words: "In Xia Lusu." ”

Liu Zhang was shocked, he never thought that he would meet Lu Su here, remember that he didn't notify anyone when he went out today?

Liu Zhang didn't know that Lu Su was cold in the post house, and he was also very anxious, as Liu Zhang expected, Lu Su asked to see him in the evening, which was to test Liu Zhang's attitude, but the news came out that Liu Zhang was temporarily unavailable, and Lu Su's heart was full of emotions.

But there is no other way, anyway, there is nothing left and right, it is better to look at the development of Chengdu, and at a glance, I can't help but be excited.

Chengdu has been governed by Liu Yan and Liu Zhang, and is much more developed than Wuzhong, but this is not the reason for attracting Lu Su, who has long expected this.

What Lu Su did not expect was the vitality of Chengdu, although he had just experienced a rebellion and the Dujiangyan massacre, but Lu Su could see a new life everywhere, and this scene was fully expressed from the expectations for the future in the tone of those people when talking to the people of Chengdu.

Workshops, merchants, a dazzling array of goods, a series of new things such as Arabic numerical banks, the people live and work in peace and contentment, and are happy and convinced by the rule of the Sichuan army and Liu Zhang, and even in the conversation, Lu Su also found that as long as he said bad things about Liu Zhang, he would suffer the anger of the people.

This is completely different from what I imagined, in my imagination, Yizhou after rebellion and massacre, should be a scene of people's livelihood withering and everyone in danger, but these scenes show vitality and unity.

Later, I learned that after this rebellion, Liu Zhang's treasury was greatly damaged, but he did not increase taxes at all, but alleviated the crisis of the people through rewards and subsidies, as well as the regulation of bank loans and deposits.

In this way, how can the people not be grateful? How could Chengdu really be depressed?

Seeing this, Lu Su was a little surprised, although Lu Su was born in a big clan and skillfully defended the interests of the big clan, but he was a wise person, Lu Su knew what these scenes meant, and he couldn't help but be very worried.

Lu Su was even more worried that Liu Zhang would dominate the world than when he came, and when the time came, the stubborn clan in Jiangdong would probably be bulldozed and burned like thorns.

"It turned out to be Jiangdong Lu Zijing, it's rude, Mr. Zijing actually has Yaxing to visit these small shops in Chengdu, is he going to bring some Shuzhong specialties for Jiangdong's fathers?" Liu Zhang said with a smile.

"Under the rule of the imperial uncle, live and work in peace and contentment, it really makes the envy of the emperor, the imperial uncle's noble status has braved the scorching sun to come to these shops, which is more unusual than Lu Suke, it seems that the imperial uncle said that the imperial uncle has a lot of opportunities, and there are some discrepancies."

"Huh." Liu Zhang smiled, understood what Lu Su meant, and replied: "Zijing came from thousands of miles and summoned him in a hurry, doesn't it seem that I, Liu Zhang, are not close to people, and besides, I heard that Zijing is also a good person in the township and a well-educated person, do you think that it is dispensable to observe the people's feelings and is completely unofficial?" ”

Lu Su was stunned for a moment, and smiled awkwardly: "Naturally, naturally." ”

Confucianism is people-oriented, and inspecting the people's situation is of course a big deal, but which prince drilled into the store like Liu Zhang, although Lu Su knew it, he couldn't say it.

Liu Zhang walked forward, and Lu Su said: "Uncle Huang, since Uncle Huang has a lot of opportunities, it is inconvenient for me Lu Su to disturb, it is better to do this, let's talk while walking, this time my lord is very sincere and ......."

Before Lu Su finished speaking, Liu Zhang suddenly walked quickly to a store, leaving Lu Su standing alone in the center of the street, embarrassed and angry, but when he raised his head and looked at the store's containers, his eyes widened suddenly. (To be continued.) )

PS: #暴君刘璋#没人打赏好凄凉