"I'm thinking about taking out the business of lending and lending separately and making a money bank that takes into account the sale of money and money." Xu Yuanzuo actually said that he was going to set up a bank.

Cheng Zai's brows furrowed slightly, obviously thinking hard for a while, and asked, "Is this any good?" ”

Xu Yuanzuo also fell into thought.

Indeed, there are people who do the business of killing heads, but no one does the business of losing money. The most important thing for a businessman is to pursue profit, and if he comes up with all kinds of new tricks, but it is not profitable, isn't this a laughing stock?

Xu Yuanzuo stood up and took two steps in the flower hall.

The flower hall of his house is a small hall built by seams and needles, and the space is narrow, and he can only walk back and forth three or five steps.

Xu Yuanzuo stood under the morning glory vine, feeling the breath of spring, and quickly sorted out his thoughts in his mind.

When it comes to the way of doing business, there is no difference between a cloth bank and a bank. The landlords and big families below came to the Xu family cloth store to borrow money, and mortgaged the land, houses, and sometimes the population. After taking the cash, they went about production, and then repaid the debt with goods such as cotton cloth according to the deed. Or they have their own channels to sell it, and exchange it for cash with interest.

Why, then, is there a stereotype that banks must be separated?

Xu Yuanzuo tortured himself like this, is it just like the sewer pipe and toilet, is it just a kind of feelings and thinking inertia?

Cheng Zai sat on the chair and saw that Xu Yuanzuo was deep in thought, but he was very worried in his heart. Without him, because Cheng Zai couldn't believe that Xu Yuanzuo hadn't thought deeply about this issue, he just thought that Xu Jinglian was worried that he wouldn't understand, so he stopped talking.

It's not a good thing to be looked down upon by your boss, well, or the biggest boss!

Just when Cheng Zai was trying to find a reason to convince himself to fit Xu Yuanzuo's mind, Xu Yuanzuo took the initiative to speak. "I think independent banks...... Well, money shops, or silver shops...... It's the same whatever you call it. There are at least three advantages to the business of exchanging money, exchanging, lending, and collecting money. ”

Cheng Zai's head was stunned: I can't think of any of them, you can come up with three!

Xu Yuanzuo raised his index finger and said, "One." All industries in the world are nothing more than practice makes perfect. Hiring a group of people to do this money thing may not make any difference at first, but after ten or twenty years, they will definitely have some experience and understanding, which is by no means comparable to those who are part-time operators. ”

Professional is better than amateur, which is an important premise of the fine division of labor in society. If amateurism prevails over professionalism, then there will be no large-scale subdivision of labor in society, and mankind will forever be trapped in the self-sufficiency of a small-scale peasant economy.

Cheng Zai has decades of experience. The problem is still visible at a glance.

"Second, for internal management. The more singular the business, the lower the management cost. Xu Yuanzuo said: "Let's just say that we are Renshoutang, now the main dental shop, last autumn harvest took over the tax, which is equivalent to increasing the business, how do you feel?" ”

Cheng Zai's head was as big as a bucket, and he waved his hand again and again: "Let's not mention this matter first." Jing Lian, you go on. As long as he recalls those days when he was on fire everywhere, Cheng Zai has a feeling of being loveless. Until the year-end bonus is issued. only to let him calm down.

Xu Yuanzuo continued: "Third, it is convenient for us to hold shares. ”

"Holdings?" Cheng Zai was a little puzzled.

These two words are very simple, and the meaning has long been popularized by Xu Yuanzuo, and the so-called holding is a matter of who has the final say. The point is, whose shares do you want to control as a separate silver store? These two don't seem to be next to each other!

Xu Yuanzuo thought for a while and said, "Simply put. That is, if we give money to others, it can be regarded as a shareholding partnership. ”

Cheng Zai can understand this, but he still can't understand why he wants to set up a separate bank.

Xu Yuanzuo thought of the fact that he was going to invest in the Shen family before. Those are relatives who are very close by blood, and there are so many concerns. I am afraid it is inappropriate to say that people's hearts are not ancient, but people in this era are like old hens who protect food. If you want to pass on the industry to the next generation intact, it would be perfect if you could open up some of them.

Let outsiders get involved, unless it is under strong pressure, coupled with the incompetence of the children, such as Yuan Zhengchun, it is better to fight to the death than to compromise easily.

"There's no openness at all. What's the use of a straw in your clenched fist? Spread your hands out, and you'll have the whole sky in your hands! Xu Yuanzuo said, and casually handed Cheng Zai a bowl of chicken soup.

Cheng Zai didn't drink it immediately, he only felt that although these words were philosophical, they were quite similar to Lao Zhuang's words. It's a pity that business is not reasonable, he asked: "Then why do other companies believe in banks?" ”

"Because the banks don't care about anything, they just make investments, they do the necessary financial supervision." Xu Yuanzuo said: "Think about it, if we invest in Laiyuan Silk Company in the name of Renshoutang or Xu's Cloth Company, what will their owners think?" ”

"Overjoyed?" Cheng Zai saw the expression on Xu Yuanzuo's face frozen, and hurriedly said, "They will think that we are going to make our own silk business." He added: "But I guess the owner of Laiyuan is still willing to sell." Something has happened to his family lately......"

Xu Yuanzuo coughed dryly: "I'm just assuming, let's make an analogy." What if nothing happens to his family? Assuming that he is unwilling to sell, we go over under the sign of the bank, just invest money to earn dividends, and he can use the money to do bigger business, anyway, the industry is still his, and he still has the final say in the big and small transactions. ”

Cheng Zai thought for a while and said, "I understand what Jing Lian means." This is quite similar to Renshoutang, but once the bank takes a stake in another business, it becomes the status of our minority shareholder of Renshoutang. ”

Xu Yuanzuo nodded: "This requires the protection of the "Da Ming Law...... It feels a little unreliable. ”

Cheng Zai seconded: "Old Zheng's parents are going to be promoted after all. ”

Zheng Yue will be promoted, Hai Rui will not stay in Jiangnan for a long time, and Xu Jie's influence will gradually fade...... Because people succeed, people will eventually go to tea and cool.

Xu Yuanzuo was pacing again, suddenly raised his head suddenly, and said, "It seems that we have a lot to do, but the key is that there are not enough people." ”

Cheng Zai's mouth was bitter.

The Faculty of Economics now has two crash courses. This name was also called by Xu Yuanzuo, and the school duration of each enrolled teenager ranged from three months to half a year, and even in later generations, it belonged to the mode of literacy classes and accelerated training. Of course, today's business and law are not as detailed as those of later generations, and the students who come out will not be ignorant when they take over the work.

However, for an ancient man who has been an apprentice for five or seven years, this is not only a quick success, it is simply a little stone into gold.

"The Chinese New Year was only held for seven or eight days. It's already in a hurry. Cheng Zai said.

- How pitiful! During the Chinese New Year, they only stayed at home for seven or eight days, and then returned to the college on the ninth day of the new year.

Cheng Zai became even more bitter when he said this.

Xu Yuanzuo has no mercy, and there are many companies that work on the fifth and sixth days of the junior high school in the future. "It's not enough, there are more people," he said. In my opinion, the scope of enrollment can be expanded to the whole of Songjiang, and even Suzhou and Huzhou. Even Hangzhou and Shaoxing! We can also build a few more buildings to serve as dormitories for students. ”

"There are also textbooks, we have to revise them again, we must be more practical and easier to understand." Xu Yuanzuo said.

To say that the education system at this time was backward is not necessarily true. For example, the humanities are very advanced and hierarchical, and they can cultivate high-end talents with both literature, history and philosophy in more than ten years. This is not a gratuitous boast, just look at the level of those masters of Chinese studies during the Republic of China. If the imperial examination had not been abolished, it would be difficult to say whether he would have been able to pass the Jinshi examination.

In science, however, it lags disproportionately. Teachers teach by interest, students learn by interest, and most of what can be learned depends on geniuses, and it is natural that they can't learn it. In fact, in the era when there was no advanced mathematics, arithmetic and geometry really needed to have a science teaching system. It's also quick to learn.

It's a pity that Xu Yuanzuo knows this aspect, but there is no way to improve it. He had forgotten the order in which his science textbooks were taught. And he is not a professional accounting background. He can't tell how to teach accounting, so he can only take out the actual work and disassemble it step by step, from simple to difficult for students to master the process.

As long as you can do a clear triangular account, you can basically graduate. If you can make and interpret the loan account taught by Xu Yuanzuo with a clear mind. Then you can enter the most desirable holy place for accounting students - the elite group.

It's really frustrating to say, and this is probably what was solved in two class hours in later universities. The foundation is too poor to build a tall building, so we can only solve the question of "whether there is one" first.

"Last year, I asked Li Wenming to find a lot of veteran friends from Shaoxing." Xu Yuanzuo said: "There are about a dozen of them who are sure to come, except for those that will be used in Renshoutang, Buxing and Guangji immediately. About three to five people can stay in the Faculty of Economics. One person with fifty students should be fine, right? ”

- Fifty! Do you want to herd sheep?

Cheng Zai's eyes widened unconsciously.

Xu Yuanzuo didn't mind and said, "In addition to finance, the law must also keep up." Don't worry, I'll take the time to write a textbook. ”

Many people have a misconception about the law profession, as if law students are memorizing the law. In fact, the most important course for law students is jurisprudence, that is, the philosophy of law. This is where the law comes from, and with a solid foundation in legal philosophy, it is easy to understand the legislative principles and judicial focus of other departmental laws.

As for the specific legal items, there are not many exams, and in the work, you can also ask the assistant to collect the legal articles -- of course, the assistant will use the "Peking University Magic Weapon" database.

"Jing Lian, the dog studied the law in the first place, and now he can also recite the holy oracles of the past dynasties, do you want to call you to give it a start?" Cheng Zai knew how troublesome it was to compile a textbook – even though he had in mind that the textbook should be a detailed interpretation of the Great Ming Law.

The Da Ming Law is not a legal code, but a code of law that is a combination of legal documents such as the "Da Ming Law Collection and Interpretation Supplementary Regulations", "Punishment Regulations", "Imperial Decrees" and so on.

Xu Yuanzuo's legal history is there, but the level of detail certainly cannot be compared with the legal professionals of this era. Although Xiao Cheng has not experienced practice, it can be used as a humanoid database. What's more, Xu Yuanzuo is not to explain the law of the Ming Dynasty, but to create another system.

A commercial arbitration system with case law.

Although it is attached to the Da Ming Law, it abandons the mixing of civil and criminal law, and simply resolves commercial disputes in the form of civil arbitration. Because of the shameful litigation atmosphere in Confucian society, the judgment of the three husbands was the most common judicial behavior in the Ming society, and it was also a popular way to resolve civil disputes in the imperial court.

What Xu Yuanzuo needs to do is to become the "three elders" himself, and train students who have the same views and interests as himself to serve as the "three elders" and preside over the arbitration. Therefore, it does not matter whether there is a foundation for the Da Ming Law or not, the key is to be obedient and sensible and easy to brainwash.

"You can let him learn from me first." Xu Yuanzuo agreed, and then said: "But Bo Xi also knows, I am a deviant, and there are always a lot of strange thoughts in my head. If Ling Lang can't accept it, I'm afraid it's not good for anyone to hold on. ”

Cheng Zai nodded again and again: "Although the dog doesn't learn and has no skills, he admires Jinglian very much." There is nothing to worry about in this regard. ”

Xu Yuanzuo said: "It's the best, we have a relationship, and we can rest assured that we can use our own people after all." ”

Cheng Zai couldn't help but be happy when he heard it. It wasn't until he said goodbye to Xu Yuanzuo, was blown by the spring breeze, and his head sobered up, that he felt a little ashamed: When did you start to praise people, and you were so frivolous?

When he returned home, Cheng Zai called his eldest son Cheng Zhongyuan to the study, and looked at his son's cowering appearance, and the original intention of intimidating him faded. Although he believes in filial piety under the stick, he is his own heart after all, and he is really ruthless.

"After the New Year, I am a year older, this time don't be unreasonable!" Cheng Jae raised his voice and made a stern look.

Cheng Zhongyuan hung his head: "Yes, my son must be learning from his uncle." ”

"Whatever your uncle says, you see!" Cheng Zai reprimanded.

"Then what if he said it wrong......" Cheng Zhongyuan said more and more lightly.

"He can't be wrong! If he is wrong, you must be wrong! Cheng Zai can't wait to instill decades of life experience in his son. As a small student, why should he be on an equal footing with the old men? Why should people trust him and listen to his opinion on everything?

It is precisely because of being a man that people give face!

Looking at his son's stunned appearance, Cheng Zai was full of hatred for iron and steel.

"Yes......" Cheng Zhongyuan had to pinch his nose and admit it. He didn't want to go around among nobles like his father, he just wanted to learn Chinese style and become a nobleman. However, the successive blows have taught him to be a man, and if he wants to successfully wear the scarf of a student, he still has to have the help of a noble person like Xu Yuanzuo and Uncle Xu.

"What if your uncle says the moon is square?" Cheng Jae came up with the test questions.

The corners of Cheng Zhongyuan's mouth jumped, and he pulled his lips apart and said, "That must be Fang." ”

"Wrong!" Cheng Zai is really hearty.

"Ah......" Cheng Zhongyuan can't turn a corner: Didn't you say that Xu Jinglian would never be wrong? It turns out that there is still a bottom limit!

"He's going to say that the moon is square," Cheng Jae took a deep breath, "and you'll have to find the four corners for him!" ”

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*(To be continued.) )

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