As soon as he heard Qian Wenju say business, Fu Zhenyu immediately dropped Cang Zijian and began to distinguish with Qian Wenju: "Second Senior Brother, have you taken a closer look!" I admit it's risky, but how can it be so exaggerated? I don't make a steady loss, I have a proviso, how can I lose money! ”

The student aid plan that Fu Zhenyu handed over to Cang Zijian and Qian Wenju is already a simplified version of the student loan. She Fu Zhenyu asked Nanhu Academy to take over some of the functions of a bank and create a student loan system, so that students can be borrowers and share risks with students.

It's easy to borrow money, but it's the uncle who pays it back. The students supported by the college have the ability to repay the loan immediately only after passing the examination. But lifting people is not cabbage, and it is difficult to pass the exam. If you take the test for a show, you should be able to return it in ten or eight years, and the acceptance rate of showmanship is higher than that of lifters, but the proportion of one out of ten is less than that. If you can't even pass the exam, you basically can't get it.

Therefore, the risk of not paying the silver is basically the same as the risk of failing the exam.

In response to this, Fu Zhenyu gave her the first proviso. Flipping through the file, Fu Zhenyu pointed to a certain place and said, "Look, I have limited the conditions for borrowing, which is limited to teenagers under the age of fifteen, and can only be borrowed for six years." From the seventh year onwards, the account will be charged at the rate of 5% per year. ”

Limit the age to fifteen to twenty-one. At the age of fourteen or fifteen, they are on the verge of the rebellious period, and if they are guided, the peak moment of their life learning in the next six years is enough for them to make achievements. There have been no results in the past six years, and in terms of probability, it will not be easy in the future. At this time, it is necessary to stop the loss in time, and the college and the students must stop the loss at the same time. And after six years, those who can't study are adults, and there will always be a way to support themselves.

In response to this limitation, Qian Wenju was also dissatisfied, and he asked Fu Zhenyu: "Why do you want a fifteen-year-old boy to bear this?" ”

"Because of their origins, they have already endured more. Second senior brother, I don't want to pour chicken soup. But the fact is that the second senior brother can pity one or two children, but you can't pity the children of the world; Those children can get the mercy of the second senior brother, but they can't get the mercy of the world. Giving them the wings of learning and letting them fly freely is the greatest mercy. Fu Zhenyu persuaded Qian Wenju bitterly.

"Well said!"

Liu Qing, who had been feeding mosquitoes outside the door for a long time, couldn't help but shout hello and opened the curtain to enter. Facing the surprised senior brothers and sisters, he pointed to Fu Zhenyu and explained, "I saw that this kid really entered the teaching house, so I followed. I don't know that one or two of you haven't noticed that I'm an old man, it's too careless. Especially you, Zijian, are too careless. ”

Cang Zijian didn't say that he knew who was feeding the mosquitoes outside, so he got up obediently and responded: "What Elder Liu taught me is that in the future, I hope that Elder Liu will take care of him." ”

"Well said." The old man who didn't find out that he was fooled, only felt that at the end of his life, he could still meet so many children, and he could still do something, and he felt that he was much younger, and he was full of promises.

Under Cang Zijian's humility, Liu Qing sat in the first place, stretched out his hand, and said, "I'll take a look at the student aid file." ”

Cang Zijian handed over his share. The more Liu Qing looked, the brighter his eyes became, and when he saw the end, he said to the three of them: "I mainly listen to it, and I don't make up my mind for you." Not all, you continued. ”

Fu Zhenyu, who was named by Liu Qing, didn't react for a while, he called himself, and when he reacted, he sighed and said to Qian Wenju: "Second senior brother, you are right. ”

Qian Wenju touched the back of his head, indicating confusion.

"It's not all this name, it's really ugly!" After feeling disgusted, Fu Zhenyu pulled the topic back, because he said, "My second proviso is to limit the number of borrowers. It's okay to help people, but it's not okay to go bankrupt and help others. According to the calculation of thirty taels per person per Chinese New Year's Eve, my limit is forty. If someone returns it, it will be borrowed. In other words, the largest debt borne by Nanhu Academy at the same time was more than 1,000 taels of silver. This is within the scope of the Academy. ”

At this point, Qian Wenju analyzed from the perspective of human nature: "You underestimate the importance that the people attach to profit. Don't borrow money, you limit the characters, they will definitely make a fuss. ”

Cang Zijian has a different view, saying: "On the contrary, I don't think many people borrow. I go to the farmhouse more often, and reading is useless is the idea of most people. Not many peasant families entered school before the age of fifteen and reached the ability to enter the academy. ”

In the comprehension that he is good at, Qian Wenju did not give an inch, he unconsciously raised his voice, and said: "Senior brother, this matter cannot be taken for granted!" What we need to do is to think about all the possibilities in advance and how to deal with them. ”

Seeing that his emotions came up, Cang Zijian's expression not only softened, but his speech became even slower, he said slowly: "Second junior brother, what he said is very right. So, in response to this, I will go to the city tomorrow to meet Professor Wu and have a conversation with him. Let the poor also study, think about it, the prefect is very willing to see it. ”

Qian Wenju stopped talking.

The first thing they do business for the Qian family is to find the right backer in officialdom. In other words, if one day, Nanhu Academy has provided many courtiers, then he, the second young master, does not want to be the head of the family, and he will also be pushed to the position of the head of the family. The elder brother of his family does not know how to do business, but he is very good at using officialdom and connections. At this point, he is not as good as the senior brother, not as good, then obedient.

Fu Zhenyu saw that Qian Wenju stopped talking, and hurriedly said: "Senior Brother's idea is very good, and Second Senior Brother's worries are also reasonable. I think that with the current scale of Nanhu Academy, there are too many people, and we can't manage it. Therefore, at the beginning, this group of people must be carefully selected, even if they go to all the villages in Runing, they can't make do with accepting people. Every teenager we strive to come in can leave with fame. In this way, later people will find that reading is profitable, and they will yearn for it. ”

"Carefully selected means, are you going to go down and hire people yourself? Including the child who is not less than Yao Lou? ”

Fu Zhenyu bowed his head and said proudly: "Facts have proved that my ability to pick reading seeds is still okay." As for character, there is Senior Brother Lao. ”

You still have to rely on yourself, that's good, after Cangzi Jian shook his head, he came to his senses and said, "Tomorrow's trip to Yao Lou, I will also go?" ”

Fu Zhenyu looked at Cang Zijian directly, and asked him in a suspicious tone: "What do you mean, senior brother, are you not going?" ”

"We're all gone, this side of the academy—"

Liu Qing quietly listened to the three of them talk about this, and he was very relieved. Several children, especially the girl of the Fu family, have grand wishes, but they are not in a hurry and implement them in a down-to-earth manner. Liu Qing believes that if she is given enough time, she will definitely be able to achieve the beautiful picture of "all people are reading". Liu Qing suddenly wanted to live a little longer and see that kind of scene.

It's a pity that I can't help myself.

Liu Qing twisted his white beard and said, "You just have to go, I am here in the academy!" Isn't there an entrance exam? If someone comes to register, I write down their information and tell them to come on July 18 to take the exam. ”

Cang Zijian didn't know that the old man was moved by Fu Zhenyu's ideals, thinking that he was just helping himself, and he felt a little guilty in his heart - he shouldn't let the old man feed the mosquitoes outside in order to let the old man take care of his junior sister. With guilt, he became more respectful to Liu Qing.

Fu Zhenyu smiled and said, "Bring Yongyan tomorrow." The four of us represented the academy to that station, the golden signboard! ”

Liu Qing thought about the appearance of these four people, and stroked his beard and echoed: "It is indeed golden." ”

Early in the morning, before Gu Yongyan had breakfast, he was told by the little master to "go down to the village to promote and help students". The more the young man listened, the bigger his smile became, and in the end, he did not hide his appreciation for Fu Zhenyu, because he smiled and said: "Master has a life, Yongyan must be obeyed!" ”

It's such a compliance, and he's getting himself into big trouble with compliance.