Cao Zhang said to Cao Cao: "Father, my idea is that we can open the following kinds of shops in the name of the official. ”

"Shops? What are you going to sell this time around? Cao Cao asked curiously.

"No, we are not selling things this time, but we are going to collect other people's things and money to generate value and meet our military needs." Cao Chang replied to Cao Cao.

"Accept someone else's? Are you going to increase taxes? This can lead to political instability! Cao Cao shook his head vigorously when he heard this.

"My father misunderstood, what I said about accepting money and goods from others is not forcibly expropriated, but in a legal way, so that the people will willingly give us money and things, and they will be very happy, because the result of this is that they can also get benefits and benefits."

"And in such a way?" The more Cao Cao listened, the more curious he felt, "Then tell me quickly, what kind of collection is this?" ”

"The first type of shop I'm talking about is a pawn shop. In fact, pawning has been very common among the people, and it is said that Sima Xiangru once took the robe he wore to the market to drink on credit, and then redeemed it when he had money. ”

"It's just that the pawns are only private transactions between the people, and there is no guarantee in this way, once the store closes, or encounters changes such as the owner's move, the pawnbroker's goods will also be lost, resulting in losses."

"In this case, we simply opened a pawn shop in the official way, collected the items that the people wanted to pawn, paid a certain fee, and set the time for redemption according to the value of the goods, and once the time was exceeded, the goods would be owned by the government. For timely redemption, we also charge a certain fee as the storage fee during the pawning period of the item. ”

"In this way, people who are short of money can obtain liquid funds through pawns for emergencies; On the one hand, we can earn commissions, and we can also use a very low price to receive some items that are easy to circulate and maintain their value, which is also a considerable income. Cao Zhang told Cao Cao in detail about the idea of opening a pawn shop.

Cao Cao nodded slightly after listening, this method of pawning is indeed extremely common among the people, if you open a pawn shop in the name of the official, it is a good way to earn materials and commissions.

"That's a good idea, and then say, what else do you want to open?" Cao Zhang's first plan had already made Cao Cao excited, and he was very interested in hearing what other good ideas he had.

"The second type of shop I'm going to talk about is called a money shop. At present, the main currency in private circulation is the five-baht coin. However, a large number of five-baht coins, whether they are used in circulation or carried, are very inconvenient and easy to cause loss. ”

"The scholars and wealthy merchants in various places have a lot of money in their hands, but the preservation of coins can only be to build their own warehouses, once they encounter wars and famines, whether they are displaced or bandits, they will pose a great threat to the money and food in their hands."

"Especially some traveling merchants, they often have to go to various places to sell materials, and they also need to transport a lot of money back and forth, which is extremely inconvenient and dangerous."

"We open a money bank in the name of the government, and rich merchants and scholars can deposit their money in the bank, and we provide them with vouchers to pay different proportions of interest according to the length of time they have deposited, so that their money can not only be protected, but even do nothing, and get a certain income."

"More importantly, our money bank can be opened in various counties of the territory that are not easy to be invaded by foreign enemies. Our depositors can withdraw the corresponding currency directly from the local banks as long as they hold the vouchers issued by us. We only charge a small handling fee, which greatly reduces the risk of merchants carrying coins around. ”

Cao Zhang explained to Cao Cao and Guo Jia in great detail how to open a money bank.

"They deposit money with us, we provide protection, and we don't charge money and pay them interest? Isn't that reasonable? Pawnshops also need money to pay for pawns, so will we have enough money and won't lose money? Although Guo Jia is good at strategy, it is not his forte to engage in economics, and after listening to it, he did not fully understand and raised his worries.

"If we don't give them some sweetness, who will willingly take their money out of their warehouse and put it in our bank? As for Guo Junshi's concern about losing money, there is no need to worry. Because we collect the money, we don't put it in the warehouse. ”

"We want to use the time they have saved to develop new weapons and replenish military supplies. In this way, we can solve the problem of military funds in a very short time, and at the same time, these money can also maintain the daily expenses of the pawnshop and form a healthy operation. Cao Zhang immediately said the solution.

Cao Cao bowed slightly after listening to Cao Zhang's explanation, the way Cao Zhang said that the pawnshop and the money bank cooperate with each other can indeed solve the problem of part of the funds, and more importantly, if the scholars and wealthy merchants in various places can deposit the money in their hands into the bank, this fund will be used to develop new weapons and reserve military supplies, which is indeed a quick solution to the problem of funds.

However, Cao Cao is also a top politician after all, and he is not blindly optimistic, but calmly raised his worries: "Ziwen, the way you said that the combination of the two stores can solve the problem of funds in a short time, but when the deadline is up, when the principal and interest are to be returned, the money has been used by us for military supplies, so what can we use to repay it?" I'm afraid it's not enough to rely on the commission and the items collected by the pawnshop, right? ”

"What my father said is that if I want to make money, I have a third business, which is dart games." Cao Zhang hurriedly comforted Cao Cao.

"The so-called dart game is a business that specializes in the bodyguard industry. Now the world is chaotic, bandits are everywhere, and some merchants can only organize their own families and villagers to ensure safety when they transport materials and goods. ”

"We have an innate advantage in opening a dart bureau, we can establish a team dedicated to security, composed of excellent military soldiers, they can not only protect the security of money houses, pawnshops and localities, but also use the way of collecting commissions to help merchants transport all kinds of valuables and goods."

"For example, now that the Yongliang region has returned to the imperial court, we can restore the Silk Road, trade with all parts of the Western Regions, and our dart bureau will be responsible for protecting and transporting the materials of the Central Plains and all parts of the Western Regions, so as to obtain enough profits to ensure the principal and interests of the bank."

"Even our dart bureau can double as a messenger when it comes to transporting valuable goods. People have letters and small items to be transported, and we can also charge a commission to centralize the delivery. This is bound to be more profitable. Cao Zhang recounted in detail the idea of opening a dart game.

Cao Cao pondered carefully for a moment and raised his concerns: "Ziwen, your plan seems to be quite thorough. If we can successfully implement these ideas, we will not only be able to provide convenience for the people, but also benefit greatly from them. Your vision is really good. ”

"It's just that for the game to be successful, the means of transport are extremely important. If the speed of transportation is not guaranteed by human power alone, if you use livestock, this in itself is a huge expense. And to ensure the safety of the transportation process, we also need enough troops, so I'm afraid we can't pull out so many people now, right? Cao Cao's words changed sharply, and he raised a new question.

Cao Zhang pulled Ma Chao over with a smile: "Father, that's why I brought Brother Meng Qi here today." As I said just now, in fact, the main escort route of the dart bureau is from Xudu to Yongliang. ”

"We can ask Ma and Han to mobilize their subordinates to form an escort team for the dart bureau, so that they are more familiar with the road conditions, and they also know how to avoid horse bandits in the northwest, and they can suppress the Qiang robbery and ensure the safety of their items."

"I'm sure they'll be happy to work together as long as we agree to give them three of the net profits from the game's business."

"As for Yanzhou and Yuzhou, they are both my father's territories, as long as there is the corresponding force to protect them, they can maintain the operation of the dart bureau, and it should not be a problem."

"As for the means of transportation you just mentioned, with the addition of Yongliang and Liang, it should be much easier to allocate horses, oxen, and even some donkeys to pull the cart than it should be easier for us to form it ourselves." Cao Zhang explained the solution he thought of to Cao Cao.

After Cao Cao listened, he felt more and more that Cao Zhang's mind was really powerful, and he was able to come up with such a careful plan, and use his strength more reasonably to divide part of the profits, which not only ensured that the three businesses complemented each other, cooperated and coordinated with each other, and could operate normally, but also tied Ma Teng, Han Sui and himself together with interests, which could ensure the stability of Yongliang and Yongliang.

Once this thing is successful, there is indeed a huge profit margin, and it can continue to develop.

Where did he think that Cao Zhang's overall idea was to organically combine the three major industries of modern banking, pawnbroking and logistics, and take into account the cooperation model of "joining and sharing", and then use the name of the Son of Heaven to attract all parties to ensure the operation of the entire industrial chain.

This is a way to make money that has evolved over thousands of years and has been continuously verified, so naturally there will be no major loopholes.

After Cao Cao and Guo Jia looked at each other, they both nodded again and again, obviously after Cao Zhang's series of explanations, the whole plan tended to be perfect, and they couldn't find any problems.

He slowly walked to Cao Zhang's side, stretched out his hands and patted his shoulders vigorously, and said in admiration: "Ziwen, you came today, but you brought me a big surprise, not only researched new weapons, but also came up with three kinds of business, solved the financial problem, and maintained the stability of people's livelihood." How lucky a father is to have a son like you. ”

Cao Zhang looked at Cao Cao and smiled slyly, and then said: "As a son of man, it is natural to share his father's worries. It's just that in order to come up with these weapons and business, I did spend a lot of effort and very hard work, and my father also had to give his son some benefits to compensate. ”

Cao Cao looked at Cao Zhang and frowned slightly: "Okay, say it, what compensation do you want?" ”

Cao Zhang stretched out two fingers: "My requirements are not high, I hope my father can give me 20% of the profits of these three businesses." In this way, I will also have the motivation to use my brain more in the future and come up with more good things to be filial to my father! ”

Cao Cao looked at Cao Zhang, beckoned to him, and motioned for him to come closer to the ear, as if he wanted to say something to him.

Cao Zhang didn't doubt it, and directly lowered his head and leaned over.

Cao Cao saw the opportunity, and a ruthless brain bomb collapsed on the top of Cao Zhang's head, so painful that he screamed "ouch" at that time: "Dad, you're too heavy, right?!" ”

"Good boy, I'm still scheming with your father, the lion opened his mouth, this is to teach you a lesson!" Although Cao Cao's tone was stern, his face was actually full of smiles.

Then he restrained his smile and said solemnly: "Two achievements and two percent, I promise you!" You can start preparing for this, but be careful to make sure that nothing goes wrong. ”

Cao Zhang also put away his jokes and responded with a straight face: "Father, don't worry, I will always keep your teachings in mind and personally supervise every link." ”

Cao Cao nodded: "Okay, let's go!" ”

Cao Zhang and Ma Chao saluted Cao Cao and Guo Jia together, preparing to leave.

Cao Cao said behind his back at this time: "Ziwen, two months should be enough for Zhang Luo, you can do it yourself!" ”

Cao Zhang immediately understood that Cao Cao was reminding himself that even if he took out so much business to curry favor, it did not mean that Cao Pi's incident could drag on indefinitely.

He immediately turned around and responded: "Please rest assured, father, I will definitely hurry up and take care of everything properly!" ”

Cao Cao knew that he had understood his cue, nodded in satisfaction, and waved his hand to signal that he could leave.

Cao Zhang and Ma Chao left briskly together.

Cao Cao handed the drawings to Guo Jia beside him: "Fengxiao, immediately arrange skilled craftsmen to try to develop these three weapons, remember to keep them secret and not leak them out!" ”

Guo Jia took it and saluted Cao Cao: "Don't worry, the lord knows what to do!" ”

Cao Cao nodded, and Guo Jia also retreated.

Cao Cao looked up at the sky and sighed: "If you have a son like this, what more can you ask for!" ”……