"What's the problem? Tell me about it".

Luo Xiaoqiao held scissors in one hand, trimming a pot of red moon in front of him, with a gesture, a kind of calmness and calmness, as if everything was under control.

As the scissors fell and the green leaves fell to the ground, Wang Jinqiao felt that his mood was also like that pot of moon, and he became a little apprehensive.

Every time I come back to find this Luo girl, there are many ideas, and they are all unexpected, but to achieve them, you also have to peel off the skin.

He felt that his labor force was completely squeezed by those two people, and suddenly he had an urge to retreat.

Look at him last year, when he was preparing for the quotation marks, his hairline was about to move back, and it was easy to ease up.

"Well, princess, can I make a small request first?"

Luo Xiaoqiao looked at him with a smile: "You came to me just to make a small request?" ”

"No, no, no, it's... My problem is not urgent, can we solve it slowly? ”

His subtext Luo Xiaoqiao understood, and pouted: "You are really good"

"Hehe", Wang Jinqiao was not embarrassed at all.

"What are you talking about?" Mu Jingyi came in from outside.

"Lord Wang, aren't you in business?"

Wang Jinqiao smiled a little bitterly, but he deliberately inquired about coming over when King Jing was not there, for fear that he would give an order directly after listening, and there would be no room for relaxation.

Mu Jingyi swept over with cold eyes: "If you have something, just say it!" ”

"Yes", Wang Jinqiao subconsciously stood up straight, and his emotions were a little tense.

Luo Xiaoqiao smiled and handed him a cup of tea.

The two of them looked at each other like eyebrows, and Wang Jinqiao was caught off guard and was fed a mouthful of dog food.

He has some heart congestion, he has been here for a long time, and his mouth is dry, why don't even his subordinates have the eyesight to give a pot?

It's great to get married, huh? When he went home, he went on a blind date... Woo...

"Ahem"

"Are you sick?"

Mu Jingyi looked at him dissatisfied, the newlywed Yan'er still had to go to work!

He finally got rid of the old guy who did nothing, and when he came back, he saw other wild men, and he wished that he would get out of here immediately.

Wang Jinqiao tightened his skin and let it go.

He smiled and said: "Lord Wang, our Zhengtong Silver operated well last year and earned a lot of silver taels."

"Hmm", Mu Jingyi sat down, his face a little better.

"But, because we made money, a few old guys are restless and want a piece of the pie."

"So, they went to collect the savings too?" Luo Xiaoqiao continued his words.

He can already understand the word "Lanchu".

is to rob depositors, even the Qian family, now put down the shelf, not only save money for free, but also give interest, one family is higher than the other.

After receiving the money last year, many farmers hesitated for a few days to decide who to deposit the money in.

It took him a lot of effort to show the credibility of the government and the fact that the Qian family was run on last year to persuade the depositors to continue to keep their money in their Zhengtong Yin.

After listening to Luo Xiaoqiao's words, Wang Jinqiao's eyes lit up: "The princess has already thought of it?" Then there must be a trick, right? ”

"I thought of it", Luo Xiaoqiao nodded and shook his head.

"That..." Wang Jinqiao saw that her expression was not so relaxed, and she didn't dare to ask, waiting for her to say slowly.

"Competition in the same industry is inevitable, and we can't always be the only ones who make money," Luo Xiaoqiao thought for a while and continued.

"Last year, because of the urgency of the form, I had to act in a hurry, but fortunately it did not cause a big mess. However, now the signs have appeared, if everyone starts to collect savings and lend money, if they don't control it, there will be a big mess."

"Princess, don't scare me, what's the mess?" Wang Jinqiao was puzzled.

"Do you think, big and small money banks want to make money, what should they do after they save at high interest? It must be to invest in a more profitable place. The higher the risk, the higher the return, which means they have to take a huge risk..."

"So, once they can't get back the money they invested, will they not be able to repay the depositors' money? What happens if you can't pay back the people's money? That's hundreds of thousands, if not millions, but it's not a small number."

Luo Xiaoqiao said thoughtfully.

"But, isn't that the same with the previous money bank?" Wang Jinqiao still couldn't understand.

"I didn't increase leverage before, at most I lost my own silver taels, and now I may lose someone else's money, do you understand?"

Luo Xiaoqiao tried his best to explain in the vernacular, modern more P2P runners, although the situation is not the same, but no matter how it gets up, it is the same mess.

"This huge financial turmoil will definitely cause turmoil."

Speaking of this, even Mu Jingyi's face showed a dignified look.

"That's... What you mean, wouldn't be... Let's go back in time, shall we? ”

Wang Jinqiao regrets that how convenient the current model is and how many benefits it has brought to them, those who have not done it will definitely not understand.

Not to mention anything else, last year's reception of envoys, such a large expenditure, if the government itself raised funds, he asked his grandfather to sue his grandmother, and he may not be able to get the silver taels quickly.

However, with the Zhengtong silver account and the concept of interbank lending that Luo Xiaoqiao said, he almost didn't worry about money.

"I'll guess again", Luo Xiaoqiao interrupted his train of thought and continued.

"Is there another merchant who is involved and secretly wants to borrow money from the silver number?"

"Princess, you are simply clever", Wang Jinqiao was really convinced.

"Not only that, but some of them say that the place where the money is used is full of loopholes, and I think they just want to fatten their own pockets."

"Therefore, the drawbacks are already obvious, because there are channels for interbank lending, and some so-called smart people may find a blind borrower to borrow silver, and when it is due, they will go to another to borrow, tear down the east wall, and make up the west wall..."

"I understand" Wang Jinqiao nodded: "However, you can't give up because of this, right?" ”

"I didn't say I wanted to give up."

As soon as Luo Xiaoqiao's voice fell, Wang Jinqiao's head instantly raised: "Really? So what to do? ”

These things are not trivial matters, she is no longer a peasant girl, she is the princess of the Northland, and the pattern should be further developed.

"It's up to the prince to do this", Luo Xiaoqiao said, and winked at Mu Jingyi sideways.

The corners of Mu Jingyi's lips hooked, put down the teacup, and said in a very soft tone: "You say."

Wang Jinqiao heard King Jing speak like this for the first time, and he couldn't help but shudder, there was no place to vomit with a mouth full of dog food, and he was about to go crazy.

"Qianzhuang can't develop without sustainability, everything must have a square circle. Therefore, all money banks in the north must have a special regulatory authority, and those who do not follow the rules are not allowed to continue to issue invoice numbers..."

"Every money bank that absorbs deposits must go to the government to pay a deposit, which is to ensure that in case they can't get back the money they put out, they can borrow money from the government temporarily, and the money used by the government is the deposit they pay..."

Luo Xiaoqiao's voice was clear, and he threw them out one by one.

If it was last year, I am afraid that what she said would not have been realized, because the government office in the north is not the only place to say it.

But this year, at this moment, with the return of the voyage, with the deterrence of force, I believe that even if the merchants and the family are not satisfied, there is room for realization.

It's just that there must be a lot of small actions behind it, and how to operate it must be carefully considered.