The matter of the prince opening the mansion is actually not an uncommon thing, there has been this kind of behavior before this, but it has not been formally determined in the form of opening the mansion.

Now it's just equivalent to giving a establishment, so that the prince has the name to put this kind of thing on the table to do.

Running a money bank is not a difficult task for Liu Ponu, and there are many ways to make him profitable.

Although Qianzhuang really wants to make a profit, it still needs to rely on a strong ability to absorb and save to support, and the current situation obviously does not have the ability to absorb and store, but this is still difficult for Liu Ponu.

The operation of the money bank inevitably requires a large amount of money, although there is no way to absorb savings, but now it also occupies a simple and crude advantage.

Coincidentally, in time for the tide of monetary reform, the money of the imperial court multiplied by tens of thousands of times.

And so much money will not be used up by the imperial court in three or five years, or even ten years, and this money has become the basic plate of Liu Ponu's operation.

Of course, the premise is to ensure that it can make a profit, otherwise once it loses money, it will be passive in the future, and the newly established money bank would rather be more stable most of the time than engage in those dangerous profiteering projects.

But for Liu Ponu, where are the dangerous projects?

The simplest and crudest thing is to ask Qianzhuang to invest in a brick factory and a cement factory, and he can get huge profits from a project in Chang'an City alone.

What Liu Ponu lacks now is not a project, but someone who will be responsible for the daily management and operation of the bank.

Since everyone had no experience before, it became the most difficult to choose a candidate.

It would be safer to choose those veterans with some qualifications, but it is obviously not suitable for these projects.

Choosing a newcomer may cause dissatisfaction among some old people, and the reason is naturally the problem of seniority.

"Go and call Wang Bing!" Liu Ponu finally chose the latter.

Because the experience of reform in the new century has taught him that if he wants to make breakthroughs in certain fields, he must reuse young people.

They may not be as good as those who are old in terms of accumulating knowledge and experience, but they have the kind of thinking ability that the elderly cannot match, the kind of whimsical thinking ability.

Although the person in charge of the money village should be safe, he has to admit that the personality of a head of the house will affect the overall atmosphere below.

Although Wang Bing is young and not very qualified, he is the first group to follow Liu Ponu.

Although the Wang family did not expect that things would develop like today, they have to admit that Wang Bing himself is still working hard.

The first person to learn Arabic numerals was Wang Bing, and the first to master the new bookkeeping method was Wang Bing, who also helped Liu Ponu cultivate a large number of accounting talents.

At the same time, Wang Bing is now the head of the workshop in charge of finance, and Wang Bing's other identity is the head of the Ministry of Commerce.

If the Ministry of Commerce is compared to a court, then Wang Bing's role in this is the role of the head of the household.

It is precisely because he has been by Liu Ponu's side that Wang Bing's ability to accept some new things is also relatively strong, and his horizons have been broadened, and his ability to accept some projects that others cannot accept is stronger, which is conducive to the later development of Qianzhuang.

It is no secret how the money village operates, and Liu Ponu is of course very clear.

So when Wang Bing came over, Liu Ponu directly told Wang Bing about the establishment of the money bank.

"Your Highness, this ...... Can I do this? After hearing this, Wang Bing couldn't help but be stunned for a moment, the speed of their group's progress was already big enough.

And Wang Bing was able to join the Ministry of Commerce, which also made the Wang family feel surprised and surprised.

Whether it is Wang Bing or the Wang family, they are very satisfied with Wang Bing's development today.

But what Wang Bing didn't expect was that the unexpected surprise hit him so quickly.

Of course, an accident is an accident, after following Liu Ponu for so long, he is not the hairy boy who didn't understand anything at the beginning.

Follow Liu Ponu's side, if things are done, then everything is easy to say, but if things are messed up, then be careful.

He can send you up, and he can pull you down.

Even if you take into account the past feelings, at most it is just to save some face for you, and you want him to let you go?

That's impossible!

A huge surprise fell on his head, and while he was happy, Wang Bing also felt a heavy pressure.

Qian Zhuang is not only in charge of the money of the workshop, but also in charge of the money of the whole world, and if there is a slight mistake, he will be doomed.

"Why not? Qianzhuang also sounds taller, but in fact, it is really operated, and it is not much different from what you are doing now, it is nothing more than some new business! Liu Ponu smiled and asked Wang Bing to sit down, and continued:

"The essence of the business of the money is actually so several, the first is to be in charge of the money of the imperial court, and the imperial court to develop a unified bill template, only need to make a good record, keep the bills on it, for the sake of insurance, then I will let the imperial court conduct a daily billing summary, after the imperial court issues the bills, the special version will be sent to the money every day, the money will be put on the right one."

"The second is the remittance between various places, which is divided into imperial court appropriations and private remittance......s," Liu Ponu Balabala carefully explained the two remittance modes.

Of course, private remittances require handling fees, and whether the imperial court remittances have not yet been determined, and Liu Ponu is inclined not to.

Because the imperial court appropriations are relatively concentrated, except for natural and man-made disasters, most of the other times are only once a year.

Moreover, most of them send money to Chang'an for various places, and Chang'an rarely sends money to various places.

In order to avoid the waste of manpower, the imperial court will generally transfer the taxes paid to the imperial court from the surrounding rich areas directly to the places that need support, and then there are many more before they will be transported to Chang'an, so as to solve the matter of allocation, but also solve the problem of loss of transportation, and maximize the use of resources.

"The first two items are basically net losses, although private remittances can receive some money, but at most it is to ensure that this item is balanced, and if the money bank wants to make a profit, it still depends on the next operation."

"The first is all kinds of lending business, we don't participate in the private mortgage business, at present we only lend money to those officials, we don't care what they do, just determine the term and interest, and the repayment method."

"The second is investment, and my hope for Qianzhuang is that in the next three years, Qianzhuang will be able to appear in every county of Dahan and be able to open a Qianzhuang in some trade centers."

"Although it is possible to do this by relying on the imperial court's appropriation, in that case, the money bank will be too passive, and it will also occupy a large amount of the court's resources and affect other projects that should be developed, so the money bank must be self-sufficient and create profits for itself."

"To put it bluntly, the money of the money village is not its own, it is just kept on behalf of it, but there are more than 1,000 counties in the Han Dynasty, and each money village needs 30 people to operate normally, even if the salary of each person is only ten yuan per month, just the labor cost, it needs to spend 300,000 yuan per month."

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"And the money village also needs to have its own escort team, and the operating costs of the escort team will not be too low, even if each state only arranges one escort team, the size of each escort team is 1,000 people, and each person is paid the same ten yuan per month, then it will need 130,000 yuan per month."

"And this is just the most basic, but also the minimum standard of wage algorithm, when it really operates, if you want to maintain such a large scale of normal operation, the monthly investment will inevitably be millions of dollars, or even enough." Liu Ponu said with a serious face.

"That is to say, if we don't make a million dollars a month, it means a loss, and the longer it drags on, the bigger the loophole will be, until one day we will find that there is still a lot of money in the imperial court in the accounts, but there is no money in our treasury." Wang Bing frowned tightly, he understood all these truths, after all, the past two years have not been in vain.

"That's right, that's what it means, I will ask the court for a special fund as the initial operating capital of the bank, and after the money is straightened out, the household department will hand over the money to the money for safekeeping, and what you need to do recently is to go to the household department to find out, to see how much money is needed to run the household department for a year, and how much money can be left in the account, the remaining funds of the household department are the funds we use for operation investment, and the investment project must ensure that the household needs to use the money when the household needs to use this money, We have to be able to take it out. ”

"In other words, the investment cycle of this money is about one year, and within one year, it must be recovered with interest."

"Of course, in order to alleviate the initial financial pressure, the funds of the workshop will also be handed over to the money bank to manage, and there are relatively few places where the money is used in the workshop, and there is a lot of income, which can basically help resist the first antibody in the early stage."

"In addition, I will force the workshop to give up part of the share of the brick factory and the cement factory to the money village for investment, as a guaranteed investment income project, as for other projects, you think more, I will help you control it in the early stage, and you will have to rely on yourself later!" Liu Ponu said slowly.

That's the benefit of power, I want whoever earns money can earn money.

Although the brick factory and the cement factory are not very profitable now, the prospect of these two factories making money in the future is still very clear, and now it is only because the project has not started, so it is only losing money on the surface.

When the plan for the expansion of Chang'an City starts, and when the plan for the grassland military fort group starts, do you think these two factories will use cars to pull the money back every day?

The workshop sells new ploughs, and now it has money, otherwise how do you think the tens of thousands of trucks and guns of the army have not come out of the imperial court?

If Liu Ponu didn't force it, why did the workshop give some of its share to Qianzhuang? If you have money, why don't you make it yourself and let the money bank make it?

So this has risen to another level, this is called macroeconomic control, because the overall situation needs, so we must let some out, all for the sake of formalization concessions.

"Of course, if Qianzhuang really wants to make a profit, it still depends on the operation of the people, the country has money, and there are projects that can be operated by themselves, so why go around a big circle through Qianzhuang?"

"But the private operation is not very easy to do, so I thought of two ways for the bank, the first is to lend to the local government to earn interest, the second is to try to invest in some projects, such as transportation, although the imperial court will also operate in this regard, but the Han is so big, the imperial court cannot take into account every aspect, and private transportation is also a good way."

Liu Ponu thought about it and felt that Qian Zhuang was very important to the imperial court, and could even affect the economic lifeline of the imperial court in the future, so it was also appropriate to give more support in the early stage, so he continued:

"In this way, set up a transportation team first, and when Chang'an is developed, we will directly contract the transportation of materials......

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