Not sure that Lanling didn't seem to be in such a hurry to go south, since he felt the vague concept of Qian Zhuang, he always seemed to understand this question and that, forcing me to list some of the relevant operating models one by one.

Although I have never been a president, I have been engaged in credit business for the longest time, but I am still very familiar with the functions of other departments; Generally speaking, the scope of business in China, from the cashier of the savings bank to the management regulations of the People's Bank of China, can be said to be tenth, or the training intensity of the financial industry can keep up, and there are many compulsory learning opportunities arranged at both ends for three days.

No matter who the section-level cadres of the bank are, as long as they have five or six years of work experience and these five or six years of training in the financial system, they are theoretically fully qualified to be the president of a state-owned bank.

Now, what Lanling is interested in is not the operation mode of a certain business of the prison-like management system, but the basic concept of the entire system. She was very confident when she communicated with me in a tone of discussion, after all, she thought that when facing an emerging product, she could finally stand on the same starting line as me, and no longer asked in a tone of seeking advice, and directly put the questions she was thinking about these days on the table for discussion, with a very provocative expression that overpowered me.

"Don't be afraid of embarrassment, if I can't figure it out, hurry up and ask, and when I formulate the current management methods for the imperial court, it is you who cry." The questions to Lanling are explained one by one in fragmentation and too naïve, which is the basis of the discussion system? It's just a door-to-door scene for piercing intestines, and when my management measures are introduced, let the inner government vomit blood. Forty percent of the escort costs...... After all, the operating costs at the initial stage are too high, and it is not possible to stimulate them without high profits.

"And what do you say? I don't have to be proud, I haven't seen new things, I don't necessarily have to be worse than you, what you said is reasonable, as for whether it can be used smoothly or not, it's okay! "Lanling doesn't like me to see me in front of her, this appearance is already unreasonable, and she doesn't care about the truth that she can only answer by hearing it, and she is accompanied by small movements on her hands and feet, and has questioned my character many times.

"When you listen to reason, you have to be reasonable." Changed to a self-defense sitting position, touched a hardwood box in his hand to defend himself, "Don't hit people." And don't threaten people, do you insult and beat people when you are out and about learning? Whether your character is good or not, you don't care about your, and your brutal behavior can only show that you have no other advantages except for your limbs! ”

"Okay, you say it again, I see you say the same thing twice!" Lan Ling's behavior of casually giving her arguments and refuting them without thinking about it is incomprehensible, thinking that I am just playing tricks. "Don't be stunned!"

I don't know what she asked me to say? I just argued a lot, and I couldn't react for a while. "Give a theme."

"Why do you say that it is not reasonable for the money bank to appear now? To say that the inner government is just a deformed business line of thinking, which led to the early birth of the money bank? Lanling was not convinced. She believes that the current operation model of the inner government is very successful, and it is inconvenient to successfully carry out primitive commercial plundering to the outside world, and it also indirectly pulls the commercial exhibition within the Tang Empire, and compares the inner government to a catfish that is about to enter the pond.

, this is simply a waste of human catfish. How hard it is to eat catfish, you have to be careful to be harmed by the fish farm, and you have to be careful about the scourge of the fish in the oil pot. There is no sense of crisis in the inner government at all, and the unscrupulous institution that has played the royal sign is obviously the shark great white shark.

"Let's not talk about the mechanical advantages of the inner house, let's talk about the limitations of your thinking. The inner government is now a commercial institution, and the first thing you consider as the big shopkeeper is what means the inner government uses to make more profits. The idea of using business to produce money is understandable and very correct. Got up, took the tea bowl and put it down, and pointed to the tea inside between the two of them: "To correct a point, I didn't say that Qian Zhuang can't appear, I mean that in addition to remittance, it may be a little early to do other business." Just like this tea, the general environment does not allow you to use this kind of thing as a complete system to engage in all the discussions you are doing now are unnecessary assumptions. Just keep your eyes on the remittance business, and doing it well is the greatest contribution to the country. ”

"This is different from what you said before, when the system was formulated, you came up with so many business methods, which was both collection and lending, and my mind was shaky. But why did you change your tone today? Lan Ling wrinkled his brows, his eyes swept with disdain, "I only thought about the Tao according to what you said, and now you have denied it again." ”

With a wry smile, "It was different then and now. At that time, my mother-in-law wanted to make money, so she stood in your man's perspective and tried her best to help you, and I wanted you to dig up the household treasury. But now that I have become a bank supervisor appointed by the imperial court, and we have become a cat and mouse, it is right for me to limit your authority at the right time, and it is also right for you to hollow out your mind and exploit loopholes within my limits. Gently pulled Lan Ling to his side and said softly: "Now let go of the Inner Mansion, don't talk about it, you change your position and stand on my side, think about what the consequences will be if I want to give the Inner Mansion a little tilt in this authority?" ”

As he spoke, he took Lan Ling's hand and squeezed it with all his might, "You struggle, use all your strength." ”

It was a failure, Lan Ling's hand strength was a little stronger, and he broke free, as if he hadn't used all his strength, and looked at me with his hand puzzled.

"Look, this is the strength of the two of us. I can't hold you with so much effort, if you give you a more relaxed environment, the banking supervision set up by the imperial court will be like a fictitious one. ”

This has always been a headache for me, and in the era of imperial supremacy, it was a joke to think that a bowl of water would be level. I have to set up a banking supervisor to go through the motions, and my partner Comrade Li Yifu's defection talent is better than mine, and this son is not easy to do. The banking regulatory policy that I have formulated today can be said to be so strict that it restricts the business of money banks to remittances, and as for the basic business of collecting deposits and engaging in credit if there is too much money, it is not allowed to do so, and now it is a heavy fine.

No, no, the most difficult thing to manage in the financial industry is credit, and in the era when the concept of finance is blank, the conditions for engaging in credit are not yet mature, and you must know that the credit industry of banks and private lending are completely different, and the two concepts are two different things.

First of all, there is no standard monetary criterion, and even the most basic concept of exchange between copper and silver coins is vague. Although the government set the exchange ratio of silver and copper coins, it explicitly prohibited silver coins as a means of circulation, and even imposed strict restrictions on the mining of silver mines. However, the means of copper mining are relatively poor, and it is difficult to make copper coins widely circulated. Although it has been better in recent years, copper coins are still difficult to fulfill their responsibilities as a currency, so they naturally derived some auxiliary currencies, brocade silk, silk, and even grain.

For example, if I borrowed 10,000 yuan in cash from the bank, when I returned it, my wealth was enough to repay the principal and interest of this 10,000 yuan, but due to the conditions at that time, I did not have so much deposit and cash in hand. So he brought silk, grain, and even silver restricted by the state to pay off the debts, and as a money bank, what method did he use to estimate the value of these things? Market price or average price? Anyway, there is always one side to lose. It seems ridiculous that it is difficult to understand the difficulties of the monetary mechanism more than a thousand years later, but this is indeed the most primitive operating model of the financial industry, and it is difficult to form a mature financial system on it without meeting this basic condition.

Now, even if the government itself thinks that its monetary mechanism is unreasonable, but it is constrained by the environment, and it can't find a more reasonable way to use the silver standard? Copper standard? Silver-copper mixed standard? If you want to break this constraint, you must gradually improve the productivity of the whole society and raise the overall strength to a new stage.

Immaturity makes it difficult to start even the most basic narrow savings in the banking industry. I saved a chicken and he saved a sheep, and if you want to ask us why we don't save money, it's a pity, although the family looks very rich, but the only bit of currency in hand is not willing to deposit in the bank to eat interest. There are a lot of sheep, why don't I save a few more?

This is the fundamental financial industry, which is premised on the exhibition of Datang's social productive forces and the accumulation of wealth by Datang social members, and all businesses are built around the above two centers. I can't do anything about such a huge content, Lanling can only sigh for a long time.

"It's a mirage." Lan Ling knocked on the table in annoyance, "Why didn't you say these things earlier?" Why do you always pour a basin of cold water when you are happy to hear it? ”

"Emerging disciplines such as agriculture, engineering, and weaving have been working on them in a down-to-earth manner. Science is the productive forces, and with the productive forces, the accumulation of social wealth can be gradually enhanced. Touching Lan Ling's head comforted: "In fact, the process of accumulation is the process of our learning, and the completion of accumulation depends not only on us." Farmers, merchants, artisans and, above all, the army. Showing oneself and plundering others is the key, relying on sweat and blood. In fact, it doesn't matter whose blood it is, future generations never care about what their ancestors did, only what their ancestors left them, are you sure you want to leave something for people a thousand years from now? ”

Lan Ling suddenly thought about it, raised his thumb at me, and raised his eyebrows, "Well said!" I just want to do nothing else now, and let them sit on our graves and cry. Do we blame our ancestors for any setbacks we encounter now? They didn't dig up too much copper, they didn't leave too much silver, they didn't bring back all the gold and silver treasures of the surrounding kingdoms, so that I could eat and die now? As he spoke, he laughed loudly, pointed at me, and then pointed at himself: "We have long hands, the ancestors did not dig what we left, let us dig it, what the ancestors did not rob, what we did not rob, let us rob; We have a heart, what they didn't think about, we help them think about what their ancestors should do, and we do the rest! ”

The words of a woman in the Tang Dynasty made me feel bad when I heard this. Bearing! While showing off the exploits of the ancestors in the bottles and cans, he did not want to forge ahead, dug the graves of his ancestors, and complained about the beginning of which dynasty was weak and difficult to return. The most ridiculous thing is that some people think that the ancestors did not defeat the Japanese kingdom and then cause people to come to the door? Who knows, anyway, this can also be counted on the head of the ancestors.

"Don't be too grandiose, it will make me doubt your gender." After slapping his feet, he finally reminded him a head taller than Lanling: "Have you forgotten about having a child?" ”

Lan Ling smiled embarrassedly, "Women shouldn't say this, they just figured it out and sighed for a while, don't care." ”

"It doesn't matter, it's good to do this once in a while." I admit that I just had a Tang Dynasty passport, a green card, but I don't have the backbone of others. The ideas are different, and the temperament can't be compared. People in the prosperous era, especially those who are full of pride in their bones, are not comparable to people like me who live in resentment.

It is a matter of time, maybe in a few more years, I will forget my origins and become a Tang person completely, and at least become the same state of mind as them. There has been progress, really, I have begun to think about the country, at least in the field of agriculture, when discussing issues with Liu Renliang, the old immortal, I can already tolerate his fingers. I even felt that Li Yifu was forced to discuss with me the banking regulatory system, because it was the first time in my life that I stood in a position appointed by the state to consider a problem.

"Can you feel the change in me?"

Ying shook her head and glanced at the second daughter, "I've not been busy in the past two days, you are sweating today." ”

"It's nothing else to take a closer look."

Ying and the second daughter shook their heads together and didn't bother to pay attention to me. A hook sock, an account book, ignoring my existence. It's so hateful, the newcomer and the new atmosphere are so denied, and he pushed the second girl's head down, and his eyes pointed to the bathhouse.

The second daughter threw away the account book and ran to make sure that the next one came back and made a positive gesture for me. It means that the fourth child is still going this time, which is more dangerous than last time.

It's okay, let's take a bath, find a few changes of clothes, stuff them in the shirt, and walk to the door, only to greet Ying, saying that I will come back late in the evening. Don't wait for me to take advantage of Ying's promise to take the road away. Three miles too close, I didn't have the strength to walk to Lanling, I was planning the matter of the money bank, I was fascinated, took the anti-counterfeiting stamp model I designed for her, and fiddled with it, which was a common manual stamp for banks in the eighties of the twentieth century. It's very good to make the truth, and it's also very easy to forge it, there is no way to do it, anyway, there will always be fraud cases, and the security system of the bank is improved with the improvement of the business level of fraudsters, and it will never end.

"Don't run to my house to come to your house?" Lan Ling glanced at me, pulled the placket of my shirt, and pressed it vigorously on the hand-stamped model. The number of pressed grooves appeared, but fortunately there was no sludge, otherwise the dress would have been finished. smiled: "It's really interesting to make this mark." ”

"Don't insult me!" Rub the placket hard, fortunately, the clothing is elastic and pulls a few times, and basically returns to flattening: "Hurry up, let people prepare hot water, I'm in a hurry to take a bath!" ”

"Hmm," Lan Ling smiled and stood up, "together." ”

The water is a little hot, and sitting down is not as comfortable as my home, and the soles of my feet are not as smooth as mine. Show your head, cover a hot towel, put wine in the long-necked bottle on the table, put a few handfuls of candied fruit in the pot, and eat it casually, Lanling is leaning against me, closing his eyes and recuperating, opening his mouth from time to time, waiting for me to stuff the preserved fruit inside.

Comfortable, so he shrunk his head and held it for a while, and then he sent it out violently, panting for breath, it was so beautiful, and he took out the towel that was drenched in water and pasted it on lanling's face.

"I hate it," Lan Ling dragged down the towel and threw it at me, smiling on his face and pasting his whole body over, "I've been thinking about it lately, when will it be good." Shall we go out of Tongguan to Huainan first, or should we go directly to Lingnan and wait for things to be done, and then come back via Huainan? ”

"Wait, you have to know when you get pregnant." This is a prerequisite, or it would be useless to go to Afghanistan.

"The concubine feels that she is pregnant, and she is always happy these days." Lan Ling slowly pressed her chest against me, deliberately letting me feel her powerful abdominal muscles rubbing gently.

"You can't talk nonsense, except for harming people, I haven't seen you hurt anything else." smiled, moved Lanling's body over, put it on his lap, and pressed his face to his face: "When I ate fish the day before yesterday, I didn't see you stuffed less than me." ”

"The concubine didn't move before, and the fish suddenly had an appetite, maybe it would be a joy." Squinted his eyes and hummed a few times and put his arms around my shoulders.

Don't look at what kind of fish to eat, the catfish of Dundun is neither fishy nor thorny, wrapped in various spices and good egg whites, fried crispy, and poured on top of the sauce I carefully prepared, I only remembered to ask what kind of meat is made, this is also called eating fish? The kind of fish that is slippery......

"Don't laugh, it's really delicious." Lanling was shyly laughed by me, shook her body and asked softly, "What do you think about fish?" Dishonest......"

When I came from the three-mile road, I was dazzled by the stumbling and stumbling when I came back. It seems that fish is not a good thing, you should avoid eating too much, today is a bit too much. God understands me, just like Ying understands me, although she doesn't believe that I didn't do it, because of the relationship between the **, she still asked the fourth child to be kicked out to make room for me in the bathhouse, and then ...... Then it's time to write an epitaph!

I didn't go to serve the country, although I was patriotic, but my identity didn't allow it. It doesn't matter if you can't afford to die in bed early in the morning, let agriculture go to hell and grow big tobacco; As for the banking supervisor Li Yifu, what to do, what to do with what Lanling said, there is no need to leave things for future generations, and everyone in front of them will climb the grave and cry!

"It's been six days, when are you going to get sick?" I've been asked three times about agriculture. ”

"I don't care if I take care of my body, it's the cost to ask me to take a shower in the future!" I took four baths in six days, and I was very iron-beaten, and I was washed to death. Especially Lanling, why won't he be considerate of people's hard work, my family is obviously in the bathhouse, so I have to go to her side to bathe, and said angrily: "Hurry up and grab the medicine, I will take all the big supplements until I die!" ”

"Not like you!"