"Guanyin should take care of her health."

Li Shimin took the watermelon and said with a smile,

"Sun Zhenren also said before, your body is weak, you have to avoid eating on weekdays, and you still need to exercise."

"Why don't you go and fight with Cheng Qian?"

The eldest grandson rolled his eyes.

"I'm not going, the mother practices martial arts with the children, is that like a word?"

She snorted,

"However, when the time comes, I will have time to hear that you will also teach me."

"I have nothing to do, so I can practice...... What do you call that? Gymnastics? ”

Xu Fenglei nodded happily.

"It's gymnastics, you can call it boxing, it all means the same thing."

He replied,

"Niangniang should practice, practice every day, and you can live forever."

The eldest grandson Wujian also had a short lifespan, but he died of illness at the age of thirty-six, mainly because of his poor physical foundation and frequent childbirth.

If you can start exercising from now on, not to mention that there is too much, it will not be a problem to live fifty or sixty, right?

's mother is Kang Jian, and the youngest son Li Mingda, who was born later, may not have congenital diseases.

"You see, this kid is now thinking about immortality every day."

Li Shimin joked,

"What, do you want to learn Sima Yi?"

Xu Fenglei glared.

"Don't be disgusted with me, I said that if you don't get married, you won't marry, you won't have children, what should I learn from him?"

He reprimanded.

This Li Er, I'm afraid it's not the passive skill that is triggered, and he will test others at every turn.

Lao Tzu's loyalty to you, isn't it the sun and the moon that can be seen?!

Well?!

"Okay, okay, I'm out of words, I'm out of words."

Li Shimin even confessed,

"Punish eating a piece of iced watermelon."

With that, he snorted, killed a piece of watermelon with three strokes and five divisions, and licked his lips with satisfaction.

Xu Fenglei: "......"

Is this a punishment or a reward for you?

If you eat it again, the children won't have anything to eat for a while!

"By the way, I heard you, the money bank you mentioned to me earlier...... I don't understand it yet. ”

The eldest grandson glanced at Li Shimin with disgust, and then looked at Xu Fengleidao,

"Can you elaborate on that?"

Xu Fenglei nodded suddenly.

"Absolutely."

He took a copper coin from his bosom and explained,

"A money bank, in fact, is an institution that swallows coins and makes profits from the middle."

"Let's take Kaiyuan Tongbao as an example, let's say I have 10,000 Kaiyuan Tongbao in my hand now, but I have nowhere to use it for a while, and I don't feel at ease at home, so what should I do?"

"Then I can deposit it in the bank, and I can get interest money."

"For example, if you save for one year, you can get 200 yuan in interest after one year, and the total principal is 10,200 yuan."

The eldest grandson nodded.

Li Shimin also put down the watermelon in his hand and listened attentively.

"If you save for two or three years, the interest rate is higher, and the interest is more."

Xu Fenglei said with a smile,

"And when the bank has the money of the depositors, it does not keep it in the account, but lends it to those who need it urgently."

"For example, if someone urgently needs to buy a house in Chang'an, and there is a difference of a few thousand dollars, he can come to the bank to borrow, and the interest is related to the borrowing cycle. Of course, the interest on a loan is several times greater than the interest on a deposit. We're here to make money, not charity. ”

Li Shimin's eyes showed a gleam.

"Listen to you say this, this money bank just lends the money deposited by the depositors to others, and earns the difference in interest from it?"

He replied,

"You don't have to pay the slightest amount of capital?!"

"It's a sure-fire deal!"

Xu Fenglei shook his head.

"That's not it, it's possible to lose money."

He said,

"For example, if the person who borrowed the money dies and the account is repaid, and no one comes to repay the money, and the money cannot be recovered, it becomes a bad debt, which is a loss."

"Another example is that someone defaults on the debt, refuses to repay the money, and there is no life-saving way to ask for money, then the money bank has no choice but to lose money."

Therefore, it is risky to borrow money. Of course, before lending money, the money bank will carefully review the borrower's family background, status, whether there is a stable income, etc., not all scoundrels are qualified to borrow money! ”

The eldest grandson nodded.

"That's it, otherwise some people borrow and can't afford to pay it back, wouldn't it be a loss in vain?"

She said.

"Humph!"

Li Shimin snorted coldly,

"If you really die and die, it's fine, if you have money but don't pay it back, you don't take the court seriously! Raid your home directly! ”

Xu Fenglei laughed.

That's what you want!

"Yes, our money village is a vulnerable group, if someone cheats and refuses to pay back, then we must ask the court to uphold justice."

He said hesitantly,

"How, I think this kind of business is relatively stable, and it has not harmed the people, whether it is saving money or borrowing debts, it will never be forced."

"In addition, when the money bank is strong, it can also use the money for investment business, help the people, etc., which can be compounded and charitable."

"So...... Is Niang Niang interested in taking a stake? ”

When the eldest grandson Wujian heard this, he was slightly moved.

But she didn't speak, and glanced at Li Shimin slightly.

"If it is as you say, it is indeed a good thing."

Li Shimin touched his chin, looked at Xu Fenglei, and said with a smile,

"But can you tell me why you suddenly want to run away and make money?"

"I called you to be a scholar, but you desperately resigned, saying that you didn't understand government affairs and didn't want to delay the government...... Why, you're well versed in this business thing? ”

This kid doesn't do it with a big official, but he wants to run to make money! Go to be the lowest merchant in Shinong industry and commerce!

In those few days, he was really angry enough!

"Whew...... Your Highness, I can't hide it, the good things I want to do really need a steady stream of financial support. ”

Xu Fenglei sighed lightly,

"For example, I want to build a medical school in Chang'an City to train doctors, benefit the people of the world, and develop medical progress.

"Buyable land...... It's going to cost money, right? Faculty of Construction...... It's going to cost money, right? ”

"When the time comes, it will cost money to recruit lecturers and manage the accommodation and food of students, right?"

Li Shimin thought for a moment.

"That's a good thing!"

He stroked his palms and said,

"If you want to do this, I will support you! Just ask the treasury to give you the money! ”

Xu Fenglei smiled.

"The little silver in the treasury is enough to support the military salary, where can I build an academy?"

He said,

"Although Your Highness is willing to support, I don't want the country's wealth to be used by me, it should be used on the blade!"

"On the other hand, I want to open a money bank, not only for personal gain for myself, nor just for the funds for the construction of the academy, in fact, I also want to support His Highness and Niangniang!"

Li Shimin raised his eyebrows. "What do you mean by that?" He asked with interest.

(End of chapter)