Chapter 172: Too Timid
Using strength to subdue a talent is enough to make people excited and proud.
But Li Kui looked at the shopkeeper Qiu who had his head on the ground, and was a little disapproving.
At least, Li Kui doesn't think that Shopkeeper Qiu is a talent, this guy ...... At that time, he didn't know that the ginseng of the Great Song Dynasty was worthless, so he stupidly went to the pharmacy in Yishui County with a bag of life to sell it. If it weren't for the fact that there was really no one around him who could use it, Li Kui would not have let Shopkeeper Qiu manage such a big business as Qianzhuang.
Compared with buying low and selling high, the Great Song Dynasty merchants who transshipped and moved.
The business of the money bank is much more difficult to deal with.
The former is at best a 'fallen master', while the latter is a financial management talent. There is a difference of 108,000 miles. And money is more difficult to manage than other industries.
Safety of funds!
Risk control!
These are very difficult areas for a Great Song businessman to understand. Especially in the more complex aspect, the bank also has the means of capital leverage, which can earn a lot of wealth while also bearing huge operational risks. Of course, Li Kui did not ask for any of these means of safe operation of the bank. But after all, Qianzhuang is a financial institution, and it needs to give people a thriving and powerful background. At the same time, there must be a certain degree of regulation and confusion, so that people can firmly believe that the money bank is just a money-making shop.
Li Kui couldn't help but wonder in his heart, is this okay?
"Second master?" Maybe it's been a bit long to kneel, and the old arms and legs of the shopkeeper Qiu are a little uncomfortable. He also regretted it a little in his heart, Li Kui, right? Let's say it's bad, it's not bad for yourself. Okay, he really can't say what's good? This is a guy who is very vague about good and evil, he really eats lard and is blinded, what are you stupid to do with him?
If I knew earlier, it would be better to go and talk to Miss Five.
Don't look at the shopkeeper Qiu is under Han Dahu's door, but he is not Han Dahu's servant. It was Mrs. Han Dahu's housekeeper and manager of the dowry and wealth that Mrs. Han brought from her mother's family. His identity is naturally closer to the Liu family. Old Man Liu took a fancy to Li Kui, and all this was in the eyes of Shopkeeper Qiu. According to his guess, it is likely that Li Kui will become the fifth aunt in the future. Stammer, yes.
It's a pity that Shopkeeper Qiu forgot Li Kui's attributes, this is a person who can't figure it out!
Who knows what kind of mess he will make when his head is off?
Li Kui pouted and said, "Qianzhuang didn't make any money, what do you admire about me?" ”
"This?" Qiu's shopkeeper pondered his stomach and intestines, Li Kui's request was very simple, praise him, praise him, and make him happy.
If another person showed such a bad taste in front of Shopkeeper Qiu, the old man would have been annoyed a long time ago.
But Li Kui is different, he has to find a way to flatter Li Kui and be happy: "The second master uses savings interest to attract money, although the people still don't believe it very much, the main reason is that the money village is a new business, and the people are puzzled by the strength of the money bank; Secondly, the second master made the businessman dependent on the money bank through bills and settlements. As long as a few more money banks are opened, this business will inevitably stir up the payment methods of merchants all over the world; Third, the bank obtains a stable income through low-interest borrowing......"
Shopkeeper Qiu said a lot, and it can be summed up in one article, and the second master is far-sighted.
But these words, for Li Kui, are not attractive at all, can Qianzhuang open all over the Great Song Dynasty?
Yes.
But it will offend countless big families, the old party, Jiangmen, Li Kui is now a white ding, why should he be the enemy of more than half of the forces in the world?
Since the original intention of opening a money bank is not to make money, nor is it to expand the scale, then why would Li Kui go to great lengths to pull out a money bank for the shopkeeper Qiu to play?
If he really didn't have a purpose, he could suffer from this?
Looking at the shopkeeper Qiu who was still attached to the ground, Li Kui sighed and said, "Get up!" ”
After speaking, he slowly took down the teapot on the charcoal stove, brought a bowl of rich tea soup everywhere, and said to the shopkeeper Qiu: "Drink tea, listen to me tell you slowly." ”
The corners of Qiu's shopkeeper's mouth twitched slightly, Li Kui's tea art, learned from Su Shi, everyone's disciples!
Unfortunately, it didn't work at all.
Li Kui doesn't like to add cardamom to the tea soup, and he doesn't like other spices, but prefers the rather bitter taste of clear tea. In Li Kui's words, boiling tea and adding salt is useless except for making rice.
When drinking coffee, if you order a cup of clear coffee, this is called tone.
The same goes for drinking tea, the original flavor is the most unique taste.
It can not only cover up the weakness of his low level of tea art, but also improve his own taste, Li Kui has become a staunch seeker of true taste.
Li Yun is similar to him, and he has no talent in tea art. However, compared with Li Yun and Li Kui, he is more like going to the other extreme, she likes to put ground sesame seeds in the tea soup, all kinds of crispy nuts, there is a strange way to eat tea-flavored sesame paste, and Li Yun also doesn't like to add salt when boiling tea, he likes to add sugar. Fragrant and sweet, this is Li Yun's way of understanding tea.
Su Shi was disillusioned with the achievements of his two apprentices in tea art.
Shopkeeper Qiu couldn't accept it, he could only take a symbolic sip to show his respect for the superior. was carefully blowing the foam floating on the tea soup, taking a sip of the tea soup, and before he could swallow it, Li Kui spoke: "Shopkeeper Qiu, I originally thought he was a person who made a difference, but I have to say that your courage is too small." The money bank's business can't do that! ”
Shopkeeper Qiu glared and swallowed a mouthful of hot tea, as if he had put a piece of red-hot charcoal in his heart, which made him stinging and waking up.
Faced with Li Kui's questioning, he couldn't help but retort: "Second master, Qianzhuang is about a large amount of money, and if you are bold, once the money is not good, it will be a big trouble." Besides, if you are bold, you have no business to do! ”
"Why don't you increase the mortgage on real estate and land?"
Li Kui pointed to the shopkeeper Qiu and asked, "The big investors all use their deposits as proof, how can you make money?" Besides, the big investors don't have money in their hands, how can they go to the exchange to do big business. How many opportunities have you missed for big families to become big businessmen? ”
"But in case ......"
Shopkeeper Qiu didn't dare to think about it, in case someone lost too much money on the exchange.
For money banks, reputation has to be greatly affected. It is far better to make a little money in the current situation, in the opinion of the shopkeeper Qiu, this business can be trickled for a long time, and it does not even need to be produced, which is extremely stable.
But Li Kui was dissatisfied: "Even if there is a big mess in the exchange, isn't there a state yamen to cover it, and this business is not ours, why bother thinking about others?" Besides, the government does not suffer. If there are really large investors who owe a lot of debts because of the failure of the exchange investment, as the money bank holding their collateral, it will naturally have a reason to dispose of the collateral. It is not easy to sell land in the Great Song Dynasty, but it is not easy to collect it from the government and collect it as official land? The one in the Meridian Realm who dares to stop it? ”
"Besides, anyone in the world can lose money, have you ever heard of the government losing money?
As long as the payment is overdue, the borrower will face debt collection from the bank.
But the backstage of the money bank is the government, do you still need to collect debts?
Wouldn't it be better to directly auction off their land and real estate to repay the money. ”
Li Kui approached the shopkeeper Qiu and said with sympathy: "Businessmen, big investors have entered the exchange, and the role of Qian Zhuang is to add a little courage to him, so that they can have greater confidence and take greater risks. Then, kill them! ”
I'm afraid this is Li Kui's real purpose, and Shopkeeper Qiu was dumbfounded.
Why is a good business opportunity just a means to harm others?
Li Kui then said leisurely: "Don't think I don't know what you want to do, become bigger and stronger." Qian Zhuang is bigger and stronger, you can only grab meat from the world's big accounts, who can tolerate you? Let your fifth lady don't dream of making a fortune every day, no fun. If she is really resented by the world, even her brother-in-law is the emperor will not be able to protect her. Remember, the money bank appeared to harm people, and the purpose cannot be wrong. Therefore, you have to be bolder, a little bigger, it is best to let the big investors in Yingzhou play futures trading, and play off-line, which is good. ”
"But what if they make money?"
"Fake news, gossip, and people on the street are all biased towards their bad luck, why can they still make money? Of course, I don't understand the thing of wealth, if we really make money, there is no way to do it, so we are unlucky. Li Kui said stupidly, who would have thought that the biggest purpose of the money bank, which is at home and has a first-class service attitude, is to bankrupt customers.
Shopkeeper Qiu thinks that Li Kui's house is too insidious, is it obvious that this is digging a pit to make people jump?
What made the shopkeeper Qiu even more distressed was that he was ready to take care of the money bank as his life's work, but he didn't expect to meet a master like Li Kui, and he didn't know what to say.
Of course, the big households in Yingzhou did go too far, and even threatened the government's control in Yingzhou.
Earn?
In today's exchanges, the routine played is the futures of the future.
In an environment where information is blocked, transactions are not transparent, and fake news is flying around, even black-box operations can be played at will and want to make money?
Is it possible?
It's really possible.
Li Kui has a way to trick people, but he can't stop other people's luck, and if he really comes, he can't stop it.