"Yamachō, now that Confucianism is in power, it is indeed difficult for engineering students to stand out. However, I am willing to help you!"
After listening to Li Zexuan's words, Li Ke was silent for a long time before he spoke.
"Oh? How do you plan to help me? "
Hearing this, Li Zexuan asked with a smile.
Li Ke pursed his lips and said, "In a few years, I will be going to Shu. Shu has been isolated from the Central Plains for a long time, and the conditions there are very backward. It is in need of large-scale construction to improve the living conditions of the people. At that time, if there are students from the College who are willing to go to Shu to be officials, I will gladly accept them! I believe that with the ability of our College students, it will not be a problem for them to benefit the people! "
Li Zexuan glanced at Li Ke and laughed, "Haha! Little Ke, you have seen Ke Shiqing's good deeds in Shu, so you want to recruit more students from the College to help you manage your fief, right? "
Don't be fooled by Li Ke's dignified words, as if he was helping Li Zexuan share his burden. In fact, Li Ke's actions were snatching talent from Li Zexuan!
However, even though Li Zexuan knew Li Ke's true intentions, he was not angry. This was because the students of the College were free to choose where to develop in the future. Li Zexuan could not control them at all. If Li Ke had the ability to attract these talents to Shu, it could only be said that he was charismatic. Li Zexuan would not be angry about this!
After being seen through by Li Zexuan, Li Ke was slightly embarrassed. He coughed dryly and said, "Ahem! Nothing can be hidden from Yamachō's eyes! Actually, what I am thinking is that the Central Plains is deeply influenced by Confucianism. Even if the engineering students have made outstanding contributions, it will be difficult for them to compete with Confucianism that has been passed down for hundreds and thousands of years.
But Sichuan is different. Since the Qin and Han Dynasties, it has been isolated from the Central Plains and is less influenced by Confucianism. As long as Ke can lead the students of the Academy and make Sichuan a prosperous place, Engineering will be able to gain a foothold there. Maybe Ke can even open a school similar to Yanhuang College there. I hope Yamachō will agree! "
Li Zexuan couldn't help but laugh and said, "Little Ke, you're helping me spread the seeds and leaves. What reason do I have to disagree ~?"
Pausing for a moment, he continued, "Just as you said, the study of engineering is indeed met with a lot of resistance in the current Great Tang, but I don't think this resistance is a problem. As more and more people realize that engineering can change the world, they will slowly accept it. Of course, if you want to develop engineering in Shu, it might not be a bad idea. This can also be considered as blossoming! "
Li Ke cupped his fists and said, "What Mister said makes sense! Then from now on, Ke and Mister will work together to develop our skills! "
In the past, Li Ke was repulsed by Sichuan. After all, he had lived in Chang 'an since he was young. It was inevitable for him to have some resistance in his heart when he was asked to go to Sichuan, which was thousands of miles away.
However, after talking with Li Zexuan, Li Ke even faintly looked forward to going to Sichuan as soon as possible. Because leaving Chang 'an was like a fish entering the sea. At that time, he could be like his idol, Li Zexuan, vigorously develop engineering in his fief and make the people there better!
He was looking forward to the land of Sichuan being transformed into a true heaven on earth under his transformation!
Li Zexuan nodded. Just as he was about to get up and leave, he suddenly thought of something and said to Li Ke, "Little Ke, I just saw on the account book that Yanhuang Bank's monthly income is more than 30,000 strings of coins. Is that right?"
Hearing Li Zexuan suddenly ask this, Li Ke was a little confused. He paused for a moment, nodded and replied,
"Indeed! In recent months, the number of merchants in Lantian County has skyrocketed. Countless shops have sprung up in the city like bamboo shoots after a spring rain. These merchants are opening shops and purchasing goods, so it's inevitable that they will encounter problems with funds. Thus, more and more people come to Yanhuang Bank to borrow money, and our income is also increasing! However, if this was a bank in other places, it might not be able to earn so much money!
But if there are too many people borrowing money, it might not be a good thing! After all, the money in our bank is limited. At the end of every month, the bank will have a shortage of money. Many merchants want to borrow money, but they can't, so they can only borrow money from those big families who specialize in lending money. Moreover, the amount of Tang Yuan issued is closely related to the total wealth of Tang Empire. We can't just rashly print more Tang Yuan, so we can only watch as those merchants are exploited by those big families! "
Li Zexuan knew that Li Ke was telling the truth. After all, in the current Tang Empire, if one were to talk about the most prosperous places, it would only be Chang 'an and Lantian County. But if one were to talk about the place where the scale of business grew the fastest, it would only be Lantian County!
The expansion of business required a large amount of liquidity, and the bank was a place that specialized in providing liquidity for merchants!
Currently, the capital of the bank was mainly accumulated from the investments of the bank's shareholders and the profits from the bank's operations in the future. The bank's source of profit was, first, from collecting the fees from the commoners when exchanging copper coins for Tang Yuan, and second, from lending money to the merchants to generate profits!
After a moment of silence, Li Zexuan said, "Little Ke, one must know how to be flexible when dealing with matters. Since the bank will encounter a shortage of money at the end of every month, then we should think of a way to attract more funds!"
Li Ke frowned and asked, "Yamachō, where should we go to find a source of funds?"
Li Zexuan smiled and said, "Of course it's from the commoners! Previously, Little Ke, you were able to think of lending money to the merchants to generate income for the bank. Now, why didn't you think of using small profits to attract the commoners to deposit their money in the bank?
You can post a notice to inform the commoners of Lantian County that as long as they deposit their copper coins in the Yanhuang Bank, not only will we not charge them the fees for exchanging copper coins for Tang Yuan, we will also give them a certain amount of interest. This interest is divided into current interest and fixed interest. Current interest means that there is no fixed deposit period. If the commoners need money, they can come to the bank to withdraw it at any time. Fixed interest means that the money cannot be withdrawn until the agreed upon date!
Therefore, the fixed interest rate is higher than the current interest rate. Those commoners who have extra money can deposit their money in the Yanhuang Bank. This way, not only can they ensure the safety of their property, but they can also earn extra interest. I think there will be many commoners who will be willing to deposit their money in the bank! "
Li Ke's eyes widened when he heard this. His face was full of disbelief. At this moment, his mind was already in a daze. After a while, he finally regained his senses. He swallowed his saliva and asked,
"Mountain Elder, if we really release this notice, I can guarantee that our bank's doorstep will definitely be trampled down by the people who will flock to our bank! Are you sure we won't lose money like this? "
Lose money? If a bank can lose money, then there is no business in this world that can make money!
Li Zexuan muttered in his heart. Then he smiled and said, "Whether we will lose money or not, it will depend on Xiao Ke's methods! I am only introducing you to a way to solve the problem. In this method, there is still a lot of room for manipulation. For example, the interest rate!
When the bank is short of money, you can slightly raise the interest rate to increase the commoners' enthusiasm to save money. When the bank is not so short of money, you can adjust the interest rate to reduce the cost of the bank's deposit!
There is a limit in the middle. You need to consider and balance all the factors! As for your worry that the bank will lose money, this worry is completely unnecessary. The interest rate of the bank will always be higher than the deposit rate!
Also, money can only create more value when it is in circulation! If everyone hides their money in their own homes, then money will always be money. But if they keep their money in the bank, and the bank uses the money to help businessmen expand their business, then money can easily become two strings of money, or even more!
That is why I told you before that there is a lot of knowledge in the bank! Using money to generate more money is the fundamental purpose of the bank's existence! "
Li Zexuan seriously pondered over Li Zexuan's words for a long time. He couldn't help but sigh in admiration. "Listening to Yamachō's words is better than reading books for ten years. The knowledge contained in the way of the economy is really mysterious and endless! Thank you, Yamachō, for your teachings today! "
Li Zexuan waved his hand and said, "Actually, Xiao Ke, you have already done very well! When everything here is stable, I hope that you can return to the headquarters of the Yan Huang Bank in Chang 'an City and shoulder more responsibilities. Our Yan Huang Bank is under the name of the Ministry of Revenue. But most of the officials in the Ministry of Revenue are old-fashioned. If we rely on them to manage the bank, I am afraid that in less than half a year, the bank will not be able to operate anymore! Therefore, the heavy responsibility of bringing the bank to greater heights still falls on your shoulders! "
There was nothing wrong with these words on the surface, but Li Ke felt that it sounded a little strange. After a moment of silence, he frowned and asked, "Yamachō, what about you? Don't tell me that you intend to leave the bank alone? "
At this moment, he finally realized that something was wrong. Li Zexuan spoke too much today, as if he couldn't wait to impart all the knowledge in his mind to him. Li Ke suddenly had a bad premonition in his heart, and his whole body suddenly became nervous!
Li Zexuan was silent for a long time, then sighed and said, "Master has more important things to do! But if the bank encounters any problems in the future, Xiao Ke, you can still come to me! "
Li Ke didn't ask Li Zexuan what the more important things were, because he knew that if Li Zexuan wanted to talk about it, he would have told him directly. Since he didn't say anything, it meant that Li Zexuan didn't want to talk about it. Li Ke naturally wouldn't force him!
"Haha! Let's not talk about this anymore! "
Seeing that the atmosphere was a little stagnant, Li Zexuan laughed and broke the silence, "The reform measures that I told you about earlier must be tested in Lantian County, because the demand for money here is large enough. In addition, not only can the bank lend money to merchants, but it can also lend money to the commoners!
Now that the commoners in Lantian County are living well, some of the smarter commoners will want to make a living. The bank can lower the interest rate and lend them some money to create more wealth! "
Li Ke was puzzled, "Merchants can use their shops as collateral to borrow money, but what can the commoners use as collateral to borrow money?"
Li Zexuan thought for a while and said, "They can use land deeds! But when the amount borrowed is small, they don't have to use collateral! They are all from the same county, so even if they want to take the money and go far away, they can't go far! "
In ancient times, most of the commoners were more honest. Farmers were more conservative, and they didn't like to owe money to others. If they did, they would pay it back as soon as they had the money. If they delayed it for another day, they wouldn't be able to eat or sleep well!
Therefore, Li Zexuan wasn't worried that the commoners would renege on their debts!
Li Ke nodded and said, "Yamachō's words make sense! In the future, if the commoners of Lantian County need anything, the bank will definitely lend them money! "
…
After leaving the bank, Li Zexuan went straight home. Firstly, it was getting late, and it was time to go home for dinner. Secondly, he was going to the Black Armored Army's camp soon. Before he went, he had to spend some time with his family!
He was comfortably going home to spend time with his family, but there were some people who weren't feeling well. One was Li Tai, and the other was Cheng Chumo!
Around noon, Li Tai went to the workshop to look for Mo Lingwei to learn some technology. Mo Lingwei used the "force-feeding" method to teach Li Tai the principles of the workshop's newest products, such as DC motors, batteries, and diodes.
Li Tai was busy wandering around the workshop, trying to understand everything that Mo Lingwei explained to him. He worked all the way until night time!
Poor Wei Wang, he had to work overtime in the workshop at night. If word got out, no one would believe it!
Now, he and Li Ke were brothers in the same boat. One was fighting in the bank, and the other was researching new technology in the workshop!
Although it was hard work, the two brothers were willing to endure it!
"Hey! This electric bike is so fun to ride! It's so much better than riding a horse! No, no! I can't return the bike to Xiao Xuan so soon. I have to ride it for two more days! "
In the evening, Cheng Chumo rode the electric bike that he borrowed from Li Zexuan. He was like a young man, attracting the attention of all the passersby. He couldn't help but mutter to himself on the bike.
"F … F * ck! So … so majestic! "
At this moment, Cheng Chumo saw a woman riding a bicycle towards him. Of course, that wasn't the main point. The main point was that the woman had a particularly spectacular body part. As the bicycle bumped along the road, Cheng Chumo's eyes widened!
Bam ~!
As the saying goes, extreme joy begets sorrow. All happiness is destined to have a price to pay. Cheng Chumo was so focused on looking at the beautiful woman that he forgot to look at the road. With a bang, he and his car crashed into a newly erected electric pole on the side of the road.
"Ouch! Help … help! "
Soon, Cheng Chumo's painful howls came from under the electric pole. That sound was really miserable!
…
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