This ambiguous answer can be read differently by different people.

In Li Yingyue's eyes, Fang Xiu was taking care of her emotions by answering this.

The truth is that there are problems in their relationship, so they are not like normal couples who eat together.

Although I don't know what happened between the two, Li Yingyue vaguely felt that it was her own problem......

She looked at Fang Xiu, who was wearing a scarlet robe in front of her, her phoenix eyes blinked slightly, and asked, "Do you want to eat together tonight?"

Fang Xiu was silent for a while, and said coldly, "I won't be returning home for the past few days."

Li Yingyue's eyes showed a touch of loss, and she opened her mouth, wanting to say: When you are done, can you spare a little time to accompany me.

But the pride in her heart made her unable to speak, and finally she just nodded and said "um".

The slender jade hand, gently pinching the dough in the hand, the delicate melon seed has no expression on the face.

On the side, Tao'er looked at Fang Xiu, and then at Li Yinyue, suddenly feeling a little distressed, but helpless, just silent.

The spring is melting, the wind is gusting, and the six-colored flowers in the yard are swaying with the wind, emitting a faint fragrance.

Fang Xiu no longer looked at Li Yinyue, turned around and left, but when he was about to walk out of the courtyard, he turned around and ordered Tao'er.

"Take care of Madame."

After he left, the courtyard fell silent.

Tao'er stood beside Li Yingyue and hesitated for a while before saying, "Master is really busy on weekdays."

Li Yingyue said "um", still kneading the dough.

Seeing this, Tao'er wanted to say something, but felt that it was unnecessary and fell silent.

"Actually...... We're not husband and wife, are we?"

Li Yingyue's movements in her hands stopped, looked at the dough in a daze, and asked softly.

He is the prime minister of Qianguo, and he can be said to be powerful, and wherever such a person goes, he reveals the majesty of the superior, just like her father.

However, the subordinates of the house, including Tao'er, always look so relaxed when they mention the master, with a smile on their faces.

It shows that in daily life, he is a gentle person.

What happened that night also proves this.

The same thing happened to the queen mother, and the father would never stay at the queen's bedside for a night.

But Fang Xiu did this, because the helplessness he showed at that time touched a touch of tenderness in his heart.

How can such a person treat his own lady as cold as he is now.

All this can only be explained.

They are not husband and wife.

It's just that for some reason had to go together.

"Husband...... Madame......"

This question was so sudden that Tao'er didn't know how to answer it for a while, and her little face was a little flustered.

Li Yingyue turned her head to look at her, she already had the answer in her heart, and there was a hint of loss in her eyes, and she quickly hid it.

Tao'er looked at Li Yingyue, gritted her teeth, made up her mind, and said in a trembling voice, "Madame, don't think nonsense......

Li Yingyue was slightly stunned, and her eyes showed a touch of confusion.

Immediately afterward, I heard Peach continue:

"Madame is the old man's three books and six ceremonies, ten miles of red makeup, phoenix crown and xiaxia, the Ming media is marrying, how come Mrs. and the master are not husband and wife!"

Li Yingyue was stunned again, was silent for a few breaths, smiled again on her delicate face, and said softly, "Can you tell me about the day you got married?"

Tao'er nodded heavily, walked to Li Yingyue's side, sat down, and told what happened that day.

From the old man wearing a wedding dress, standing in front of the sedan chair, holding his wife's hand, walking side by side, walking into the Xiangguo Mansion, and then to the congratulatory gifts in front of the door.

Later, under the witness of His Majesty the Emperor, he bathed in music and completed the worship ceremony......

Tao'er told it very carefully, whether it was the style and color of the sedan chair, the clothes of the lady and the lord

The dress, or the process of the marriage ceremony, the reaction of others, or the number of guests who participated, and the blessings of the people of the capital are all depicted in detail.

Listening to it, Li Yingyue couldn't help but be immersed in it, as if she was married to Fang Xiu again.

Sitting on the stone bench, his beautiful face was smiling from beginning to end, and his eyes showed a hint of longing.

The breeze blows, rolls up a few petals, and dances in the air.

The warm sunlight passed through the leaves and sprinkled on Li Yinyue's body, like a little starlight.

From a distance.

Flower petals, sunlight, and beauties make up a beautiful picture.

............

The other side.

Fang Xiu, who came out of Xiangguo's Mansion, went straight to the Yamen of the Household Department.

In the yamen, the officials of the household department gathered together, discussing something enthusiastically, and when they saw Fang Xiu, they were stunned at first, and then they hurriedly saluted.

"Meet Fang Xiang!"

Fang Xiu looked at them and asked, "Let you prepare a bank, do you have a plan?"

The officials looked at each other with embarrassed expressions.

When Fang Xiu saw this scene, he immediately understood that these guys were still far from coming up with a complete plan, and waved his hand and said, "If there is any difficulty, just say it, if it can be solved, the original appearance will solve it for you."

As soon as these words came out, the eyes of several principals lit up.

After a moment of silence, Bao Qi, the head of the household, stood up, his old face twisted together, and said with some embarrassment: "The most important thing is the lack of people and silver."

After a pause, seeing that Fang Xiu didn't speak, he continued:

"Fang Xiang, the few books you sent, after careful study, Xia Guan believes that if you want to realize the basic function of a bank, at least you must ensure that every city has a bank.

Let's not talk about the need for a mansion and a warehouse to open a bank, but also say that after opening a bank, you need to send people to take care of it...... In the past few days, the officials of the Duzhi have carefully counted that at least three or four thousand people are needed for this part.

The bank is closely related to silver, and the people sent have to go through layers of screening, and the most important thing is to have a pure heart, otherwise to take care of the bank, facing so much silver every day, sooner or later you will have to think crookedly.......

This is something that the lower officials think is true."

When Fang Xiu heard this, his expression became a little strange.

Looking around, I found that the officials of the household department looked a little cramped.

Obviously, Bao Qi's words have a deep meaning.

Think about it, it's normal, the upper beam is not right and the lower beam is crooked, let's not talk about how Fang Xiu is, let's just say that Qin Xingyan, the head of the household department, what kind of person is that, no one knows better than Fang Xiu.

Give him 10,000 taels of silver, and he dares to be greedy for 9,000 taels of ink!

That is, after experiencing the turmoil of referring to the deer as a horse, it has converged a lot.

The head of the household department is like this, and these chiefs are estimated to be not much worse.

The entire household department, which may be Bao Qi, who was newly transferred, can have cleaner hands.

Thinking of this, Fang Xiu looked at Bao Qi and said:

"In my view, there are very few people in the world who have a pure heart, and there are some people who can resist temptation, just because that temptation is not enough to tempt him.

Different people have different bottom lines, some people can buy it for one tael of silver, some people need 10,000 taels of silver, and some people get 1 million taels!

After the establishment of the bank, the amount of silver that came into contact every day was tens of thousands, and the entire cadre might not be able to find a person who could resist such a huge temptation.

Therefore, there is no point in counting on people's innocence, and it is necessary to make all kinds of rules!"

Speaking of which, after a pause, he continued:

"In this regard, you don't have too many worries, when you choose people, just look at ability."

Bao Qi was silent for a moment, nodded thoughtfully, and echoed, "What Fang Xiang said is......

It's just that it's not easy to pick someone who is famous and able to run a bank."

There are only more than 10,000 officials in the entire Daqian.

To create a bank, you have to recruit people all at once,

It's really not something that can be done overnight.

Fang Xiu thought for a moment and said, "Actually, as long as a bank has one person who can take care of it, the rest of the people, as long as they are literate and trained, can also take office."

Bao Qi hesitated: "With all due respect, the original requirement of the lower official for these people was only to read and write."

「......」

At this moment, Fang Xiu profoundly realized that what is most lacking in the world is talent.

Before, whether it was recruiting new recruits or recruiting craftsmen, you didn't have to think too much about this problem, and after training for a period of time, most of them were competent.

But reading people are different, if you want to train a reader, you need to invest a lot of time, energy and money, and most importantly, you can't get a return in a short time.

After all, useless is a scholar.

Of course.

It's another thing just to get them to read and write.

Fang Xiu was silent for a moment, looked at Bao Qi, and said:

"The matter of personnel, the bank still has to deal with it, but the number is reduced, first in the city with prosperous commerce and trade, the population is larger, and the rest of the cities will be talked about later."

Hearing this, Bao Qi nodded, looked at the officials of the branch on the side, and gave a few orders.

Immediately afterwards, he said: "In addition to personnel, funds are also a problem, and the people of my Daqian are not rich, and they do not have much money in their hands, and they would rather hide at home than keep them in the bank.

After the establishment of the bank, it is estimated that only a small number of wealthy businessmen are willing to hand over the silver to the bank for safekeeping, and the bank does not have enough cash, and it may be difficult to support such a huge loan business with the silver from the state treasury alone."

Hear the question.

Fang Xiu raised his eyebrows and said casually, "What if there is a way to make the people willing to deposit the silver in the bank?"

"This ......"

Bao Qi was slightly stunned, and then his expression became a little strange, and he stopped talking.

"I want to say something, but it doesn't hurt to say it."

Fang Xiu waved his hand.

Bao Qi hesitated: "Xia Guan thinks that the people who have been working hard for so many years are afraid of poverty, and if they have silver in their hands, they would rather hold it every day than hand it over to others for safekeeping."

Fang Xiu said, "What if the bank pays interest on the deposit?"

「......」

When Bao Qi heard this, he was stunned for a while before he reacted, it was the bank that gave the people interest, not the people who gave the bank interest.

His old face showed a look of confusion, and he said, "In this way, the more money the people save, the more the bank loses?"

Fang Xiu said: "First of all, not all deposits have interest, and only when the silver is deposited in the bank for one year can the interest be obtained, setting such a threshold can not only allow the people to deposit the silver in the bank, but also prevent the bank's silver from making ends meet.

Second, the bank received the money deposited by the people, and could lend it to the people at a relatively high interest, so that the bank could get the money without doing anything.

Eventually, after a while, paper money will be printed, which will ease the pressure on the banks to run out of cash."

Bao Qi didn't seem to understand what he said, and he was a little confused.

Fang Xiu looked at him and suddenly felt a little helpless.

Bao Qixin was transferred to the household department, he was not very familiar with many things in the household department, and coupled with his old age, let him prepare for the bank, and the efficiency was estimated to be not as good as Fang Xiu's personal battle.

However, the three departments of the household department, Shangshu Qin Xingyan and another squire, have other things to do, and only this guy is more idle in a short period of time.

After thinking for a moment, Fang Xiu looked at Bao Qi and ordered, "You don't have to worry about the bank's affairs, the prime minister will send someone else to take care of it."

There is no suspicion in employing people, and there is no need for suspicious people.

Bao Qi is not competent to plan the bank, and a decisive substitution is the most correct choice.

He looked at the group of officials in front of him and said, "Which of you has read books about banks?"

The officials hesitated, and after a moment, there were few

A young man stepped forward.

"Xia Guan has seen it."

Fang Xiu looked at them and casually asked a few questions about the bank.

Several people answered one by one.

Although the answer is not good, it is not satisfactory.

Fang Xiu looked at them and said, "Wait for the meeting to enter the palace and ask Your Majesty to add a new one, called the Royal Bank, a few of you go to the Royal Bank to do things, from now on, it will no longer belong to the Ministry of Households."

When several people heard this, they were all stunned.

The spring day is warm and warm, but they feel like falling into an ice cave, and their body and mind are cold.

Among the six departments, in addition to the Ministry of Officials, it is the most popular household department, although they are busy on weekdays, but they are full of oil and water, and some silver leaks from the fingers of the department, which is enough to make them satisfied.

Now, transferred to a royal bank that has not yet been founded, not to mention how busy it will be, let's just say that this oil and water, don't think about it in a short time.

That's it.

The expressions of several people were as uncomfortable as eating Xiang, but they couldn't refuse.

After all, it was Fang Xiang who gave the order.

Even the Lord of the Ministry didn't dare to go against Fang Xiang's wishes, let alone them.

"The Royal Bank, although it is also in charge of money, has just been established after all, how can it be compared to the Ministry of Accounts.

are already in the household department, and when you encounter this kind of thing, don't think about being in the limelight, otherwise you may hit the wall, hey, you're still young and reckless.......

The rest of the officials looked at a few people, with no expression on their faces, but they were more or less gloating in their hearts.

Fang Xiu didn't seem to notice the change in everyone's expressions, and just asked casually:

"Would you like to go to the Royal Bank?"

When several people heard this question, their expressions returned to normal, and they said in unison, "Xia Guan is willing!"

No matter how unwilling he is, he can't show it in front of Fang Xiang.

Get this answer.

Fang Xiu nodded, and then asked, "What are the official positions of the two of you now?"

Several people looked at each other and answered one by one.

"The lower official is a member of the branch department."

"Xia Guan is the head of the warehouse, Qipin."

"The lower official is ......"

After a few people finished speaking.

Fang Xiu waved his hand and said, "When you arrive at the Royal Bank, all of them will be promoted to one grade, and the money will be distributed ten times as much as it is now."

As soon as this remark came out.

The household yamen instantly quieted down, and the needle drop could be heard!