Xie Rao, that is, the current Su Mu is right, she is a new woman in the new century, she was born to catch up with the good times, and she is a baby bump at home, that is, she doesn't like to study since she was a child, she delves into beauty and food tourism in one day, fights and goes to college, and studies a youth major, called the Department of Aviation Arts, and does not learn anything else in school, ballet jazz, walking, sitting and standing, English, Japanese, Mandarin, computer exams, and participates in various activities every month, either debate competitions, host competitions, or various beauty contests, In addition to these academic competitions, joining various clubs is also a necessary course for Xie Rao University, and 18.19 years old is the most energetic age and does not know the depths.

The roommates are all from all over the world, with very different personalities, Xie Rao's ability to get along with others can be said to be the best one, and I wish the whole school was a friend.

The students in this major are outstanding in terms of height and appearance, and they are all only children, and they are eager to be proficient in piano, chess, calligraphy and painting cultivated by their families.

Xie Rao is such a half-hanger, but not so prominent in this major, that is, the mouth is not bad, he has won a lot of awards in various competitions in school, plus his father is obsessed with boxing, and he never lets her go on his days off, and he must get up at 6 o'clock to run and swing his fist, hum haha, Xie Rao is a lazy fritter, and he must be lazy if he can be lazy, so he didn't learn much, but it is enough to defend himself, and the college major has four classes a week that can't escape the physical fitness class, which Xie Rao can handle, so the hall test is the first, comprehensive, She is a half-, unpretentious, affinity, and middle-to-upper students in the department.

Xie Rao has been in this world for more than two years, and he has learned the ability to farm, and now he is pretending to be a man and assuming the pseudonym Su Mu, and it is not suitable for a long time to do chores in Lianjiazhuang, and it is only a few taels of silver that he has saved in the past few months, and his ability has not risen, it is really a clumsy plan!

finally caught up with this "unexpected" encounter, and always had to solve the matter, "Big brother, really I am a person with a career plan, ask for a chance." ”

"What is a bank?"

"It's the bank."

"What can you do?"

Su Mu became interested all of a sudden, the big guy interviewed, don't miss the opportunity and don't come again, Lian Ziyu is really smart, Su Mu said so much nonsense, he can still refine the keywords.

"Expand business, innovate services, train and work, I can do it all." After Su Mu finished speaking, he confidently patted his developing small breasts, and then felt a little pain, gasped, and Lian Ziyu looked at him suspiciously.

Even Ziyu didn't touch him, so he moved his legs, "Take your hand away for me, stand up and talk, you are so special." ”

Su Mu patted his ass and climbed along Lian Ziyu's pole, "Young Master Lian, aren't I just a dogleg now?" ”

"Follow Lian Heng to report to Qianzhuang tomorrow, and you will follow Lian Heng in the future."

When Xie Rao heard that Lian Ziyu agreed, he couldn't help but sigh that he and Lianjiazhuang's eight characters really didn't fit, "Okay, big brother." ”

Lian Ziyu turned around and left, Su Mu quickly glanced at Lian Heng and made a gesture to eat, at this time Lian Ziyu turned around sharply and glanced at Su Mu, Su Mu immediately took the gesture, touched the back of his head, and pretended to be looking around at the scenery.

"Lian Heng, go to the housekeeper to get the punishment."

Lian Heng was stunned in an instant, raised his eyes to look at Su Mu, but found that the kid had disappeared in an instant, so he had to accept his fate, "Yes, Childe." ”

Lian Heng followed Lian Ziyu all the way without speaking, the atmosphere was a little silent, and suddenly Lian Ziyu smiled, which eased the atmosphere, "When did you collude with him?" ”

"No collusion, no, absolutely not." If you deny the triple, there must be collusion.

"Then how did he know I was here?"

"Su Mu, don't you know? It's very clever, maybe it's lazy there, and it happened to run into us. ”

"I see that you have been out for a long time, what are you learning, and tomorrow you will go to receive the punishment, and then go to clean the stable."

"Don't, don't, Childe, I'll be honest with you."

Lian Ziyu glanced at him, waiting for him to come from the truth.

"Didn't you ask me to inquire about Su Mu, and then I found out that the kid deliberately avoided us, basically where we went, he resolutely didn't go there, and then I went to ask him what was going on, after all, we have also experienced life and death together, how come back and start to be estranged."

Lian Heng said that when they first met Su Mu, there happened to be a splashing bandit nearby, Xu was owed too much debt, so he moved the mind of robbing the official, although they were outnumbered, but the Lian family had someone to defend themselves, so naturally they did not suffer any losses, at that time when Su Mu rushed out, took the stick and began to fight the enemy with the Lian family, coincidentally helped a favor, and then successfully entered the Lian family caravan.

Lian Ziyu asked, "Then what did he say?" ”

"It's not like what I said today."

"You believe what he says?"

Lian Heng definitely wouldn't believe it, so he replied: "I don't believe it, his practice is like casting a long line to catch a big fish." ”

"Then you can help him."

"Didn't he get a blow on me on the official road that day? Just repay the favor. ”

This Lian Heng's mother is Lian Ziyu's nurse, he grew up with Lian Ziyu, a few years younger than Lian Ziyu, he is an extremely well-behaved person in front of people, and he does things in a measured way on weekdays, so Lian Ziyu trusts him, and they get along with each other as easily as brothers.

Lian Ziyu glanced at him, didn't speak again, and continued walking. He sent Lian Heng to check the details of Su Mu a long time ago, Zhuang Guo did not have this person, Su Mu gave them too little news, but he should be from Shangrao Village, it is rumored that there is a Miss Xie family, who eloped with the man on a stormy night, except for this matter may have something to do with him, nothing else can be found.

Lian Heng went to get the punishment the next day, and then dragged Su Mu to clean the stable, the two of them went to say goodbye to Lian Ziyu, Lian Ziyu covered his nose and told them to get out quickly, they left happily again, Lian Heng asked Su Mu to take a bath together, after being refused, he complained that Su Mu was a girl, Su Mu gave him a blank look, and replied: "It's a girl, what's wrong?" ”

Lian Heng was speechless, so he had to take a shower by himself.

It was just winter, and it was still a little cold, Su Mu went to get hot water, and while the other little guys hadn't come back, he quickly washed his body, changed into refreshing clothes, and went back to find Lian Heng to preview his homework, he really didn't know how the ancient money village operated, he had to learn more.

The business of the money bank in this world is relatively simple, mostly to operate the exchange of silver money, the money bank seems to be very rich, but it is all circulation work, but it is more like a silver warehouse, and all the money earned is the storage fee.

Su Mu picked at his brain, only to find that things were not as simple as she imagined, he followed Lian Heng to be familiar with the business, but was once again defeated by a single, in addition to checking the accounts every day, doing collection work, basically doing miscellaneous, non-stop miscellaneous, not yet two months, Su Mu figured out the routine of the money village, even Heng on weekdays, but he was a financial director with clear accounts, Nuo Da Qian Zhuang business, managed by him in an orderly manner, all this Su Mu is admired, after all, there is no computer here, all the accounts are checked by manpower, This manpower output is too strong, but the salary can't keep up, after all, Qianzhuang doesn't make a lot of money.

Expanding business has become a small goal of Su Mu, so Su Mu first went to inspect the surrounding environment of the money village, make a plan, and then summarized the list of major customers who are mainly engaged in the exchange of silver money, and inquired about the composition of the family.

After all this work was done, Su Mu's braincase was a whole circle, probably caused by thinking too many things, it was a little cold in winter, Su Mu wrapped himself like a ball, and discussed the feasibility of the plan with Lian Heng so roundly, seeing Lian Heng dumbfounded, Su Mu was quite nervous.

Lian Heng looked at the pile of ghost-drawn things, and was stunned for a long time, "This is what you figured out yourself?" ”

Su Mu rolled his eyes and replied to him: "Nonsense! ”

"In other words, what is this we are going to do?"

"Professional window service training, interest on small deposits, small loans, payroll, private business."

"What are these names?" Lian Heng only understood the first Su Mu's ghost drawing talisman with his understanding.

"Why don't we make it simpler, the first is to standardize the service, the second is to save money and return money, the third is to lend money to others, the fourth is to help others pay their salaries, and the fifth is the personal housekeeper of the rich."

Lian Heng sometimes admires Su Mu's brain very much, he can always think of something that he doesn't have, which makes people feel very amazing, and he can't deny him, "Su Mu, first of all, I think it's good to save money and return money, if I don't understand it wrong, it means that others deposit money to our money bank, and then we give him a certain return, I heard that Yingzhou money bank has such a practice, it is feasible, but then what?" ”

"This is just one of them, the second is that we have to find businesses and individuals with good credit, lend them money, charge fees, save and borrow, generally speaking, suppose a person to save 10 taels of silver, give him a hanging money a year, and then suppose another person to borrow 10 taels of silver, and repay 10 taels of silver within a year, and add 1 more than 1 half a penny, and the money bank earns half a penny."

"But the borrower has to have something to take it for."

"You can take the deed and the real estate as security."

"Horses and jewelry are fine."

"It is said that Yingzhou Xie family has a Xie Sangongzi practice is very flattering, he built a commercial area, rented out the house to the merchants, and then collected rent at the same time to expand the Xie family's shops, to create his own business kingdom, this is the first benefit of saving money back, we have more funds to invest in other projects, we can also cooperate with them, we provide services, this is called property value-added services, responsible for decoration and maintenance, garbage, sanitation, etc., and then all merchants have to cooperate with us, put the money in our bank, We will deposit money for him with a little interest, and then the income of the merchant employees can be distributed by our bank, and we can let the employees save money, and then all the money, we will use it to buy land around the business district and build houses. ”

"Wait, let me slow down, our money bank mainly relies on the exchange of silver money to make money, such a large amount of cash inflow, we have to spend a lot of manpower and material resources on the circulation of money and silver, and we have to bear risks."

Su Mu pondered for a while, a person like Lian Heng is the boss of the risk management department in modern times, and he is really warm and caring when he cooperates. He is very cautious, and all her thoughts can be controlled at risk here in Lianheng.