Chapter 038: The Role of Finance
"It's very simple, the storage is favorable, the loan limit is high, as for the money bank, just stay alive!"
After the equation was finished, he didn't explain, but picked up the teacup and looked at the two brothers quietly.
The financial industry is an important means of macroeconomic regulation and control, but it is a pity that Kyushu's finance is too low-level, even the Song people don't know why it is, let alone the Wu Dynasty.
It's far better to figure it out by yourself than to open the equation and talk about it, and I still don't understand it if I can't figure it out.
Because it's not just a theory, it's a mindset.
The Song people didn't turn around, and the two boys wanted to turn around, which was a little embarrassing.
"Sir, it's a bit counterintuitive!" Li Yanting rubbed his head, "However, to apply the theory of macro income distribution, savings are beneficial and are given to the people at the bottom, while loans are deductions for specific groups, and the height limit is because of constraints." ”
The equation did not speak, and he turned his head to look at Li Yannian.
Li Yannian was stared at, and he himself stared at the pair of upside-down triangles on the ground, "From this pair of upside-down triangles, it is not difficult to see that the division of labor and distribution process are not equal, the upper minority holds the majority of interests, and a large part of the interests of the reciprocity still fall into the people!" ”
"Prevention is not gradual, prevention is better than prevention, under a strong sense of distress, compared with meager income, people spend less,
Storage is advantageous, in addition to compensation, you can also concentrate this part of the money, accumulate a lot, gather sand into a tower, as long as the reputation does not collapse, the perennial Wu Dynasty can be through the money village, gathered a large amount of wealth! ”
"For this wealth, I don't know what Mr. intends to deal with, but judging from the Song Dynasty family, they obviously stole this money, otherwise their own business house would not have expanded so fast!"
"And the loan limit, in addition to the deduction of specific groups, is also a means of compensation, the Wu Dynasty is short of money everywhere, the court lacks the people, just like Mr. You, a small businessman with unique technology and the concept of operation, is not a majority among the people, but it is by no means a minority, you can refuse the invitation of Richangxing, because you have a comprehensive consideration, but the remaining small merchants and hawkers can't do it, if there is a loan with a high limit, to supplement the insufficient part, they don't need to lie in the Song people's hypocrisy and wrong, and the wealth created does not need to be shared with the Song people!"
The more he said, the more confident Li Yannian became, and all the warriors had a dream of making the people rich and the country strong.
Compared with the equation to give a strategy directly, the blueprint built through thinking stimulates the thinking space more.
"In addition, we can also take the things and mistakes in the Seedlings Law, a whip law, so that the policies that originally required strong means to implement can be realized through Qianzhuang in a way that is more acceptable to the market!"
"Very well, based on the theory of distribution, it's already very good that you can take this into account!" The equation continues to act as a guide, "the water flows to the lower place, the money goes to the value-added, and the businessman pursues profits, but most business activities are risky, and no matter how experienced the businessman is, he will only do the business he understands, without a big background, and the cross-line is looking for death, but everything has the ultimate, and the same is true for the industry, compared with the money accumulated by the people in order to resist unknown risks, the wealth accumulated by big businessmen passively is actually more!" ”
"Indeed what is going on!"
Li Yanting echoed, "The bigger the family, the more wealth it accumulates, the Wu Dynasty is not like the Song Dynasty, there are markets in various countries that can be developed, and the extra money can only be buried in the ground, and there is no place to use it if you want to!" ”
The Li family is not like this, the land has been bought to the end, the caravan has traveled all over the Wu Dynasty, and under the invisible bottleneck, there are fewer and fewer directions for development, but the money is accumulating more and more.
"This money is buried in dead money, and it may not belong to you for a long time, if the savings spread reaches 10% at this time, do you think someone will take the initiative to dig it out?"
Equation snapped his fingers and asked.
Hearing this, Li Yanting shook his head, "No, one percent is too little, I don't know how much usury there is in the Song Dynasty, but I know that the domestic interest rate difference is less than one percent and six, no one is willing to borrow money out, and if you want to take the initiative to dig up money and save, no matter how you say it, it will take twenty percent to be tempted, and you have to let them have a bottom!" ”
The second achievement is twenty points, you say that he is high, compared to the low interest rate in the previous life, it is terrible, but it can be said that he is low, he is far from touching the threshold of high interest.
Li Yannian retorted, "Yanting's consideration is not comprehensive, the court-oriented establishment of a money bank, there is no need to worry about credibility, I think there is a one, it can also attract people, as for the use of usury, the money attracted must be useful?" Even if the money bank doesn't make money, it at least needs a certain amount of profit, otherwise it can't be maintained, and if the plate is opened again, it will only die faster! ”
"It's really what's going on, not only that, but in the early days, the storage amount was limited, and there was no need to deal with it if it exceeded 10,000 taels!" The equation added, "The Song people's money bank, service and merchants, follow the principle of interests, scale, and the distribution of sites, just settle in the important trade routes!" ”
"And the new money village, in addition to making up for the financial shortcomings of the Wu Dynasty, is more important is service and macro distribution, there is no point in the site, it is useless to sink to the county seat, the people need time to accept, everything is in a hurry!"
"The time-honored Qian Zhuang of the Song people has many branches in Tai'an City, you can observe it if you have time, anyway, it will still grow this winter!"
The next step of the equation is the logistics industry, the profit is good at the same time, but also for the equation to save a group of people, compared with the ancient family to arrange private soldiers, the logistics industry innate need to go south and north, personnel scattered in various places, want to count can not be counted.
If you get it right, you can hide as many people as you can in the dark.
In this way, he and his sister can be safe.
As for the banking industry, it is destined to be a battlefield for the giants of the Wu Dynasty, and the town is not qualified to touch much, and there is no idea about this equation, let alone the ability.
Yu Qi jumped into this whirlpool, it is better to squat to the side and prepare to steal chickens.
"It is true that we have to be cautious, businessmen are unrighteous, and it is a big deal to pat our butts and leave, but we can't, the things of the money bank can only succeed and not fail, because once we fail, we will become sinners!" Li Yannian clenched his fists.
It's not difficult to do one bad thing, but it's really difficult to do one thing well!
Warriors can accept change, but warriors will not accept defeat, fail once in other things, and come again, but if Qianzhuang fails, the people will definitely vote with their feet.
"Is it possible to link cash-for-work with this bank?" Li Yanting proposed a possibility, "In the plan given by Mr. before, it seems to solve the problem of unbalanced division of labor and distribution, but it also violates the principle of macro distribution and less intervention, I don't know what families around the country will think about this matter, but in my understanding, the money is definitely not so easy to get!" ”
"I could have sat back and enjoyed it, but now I need to contribute money and effort, and in the end I get it almost the same, I can bypass this bay to watch the show, but I can't get around the trouble in this bay, and I don't know what the chaos will be like when the time comes." Li Yannian's face was full of helplessness.