In the afternoon, Zhang Xiaobao and Wang Juan still didn't understand the bank's affairs, such as how to monitor their subordinates, and how to prevent forgery if they deposit and withdraw from another place.
Compared to the current communication conditions, when it is better, the cheating can still be cheated. At this time, you can't do it just by relying on loyalty.
The two chose to shelve the matter of deposit and withdrawal, and plan to open a part of the bank to make small loans.
Then I started to deal with the fund. This is simple, for the time being, because there will be no evaluation errors when there are two people. I will talk about it later. The only way to avoid risks is to deliberately lower the counterparty’s collateral. The value of it is not much different from that of a pawnshop.
"Xiaobao, I always feel that the silk we are using at Datang is a drawback. It can be used as currency. The preservation cost of silk is high, and it is also easy to break. It should be depreciated with damage. Because the cost of preservation can only match the value of the currency only by appreciation, which is simply not right.
Especially on the court side, in order to guarantee the value of silk, they even deliberately gave two hundred wen during the exchange, and used another currency to guarantee one currency. If this was going on for a long time, it would be troublesome. "
Wang Juan and Zhang Xiaobao said on the way to meet Niuda and Niuzhuang.
Zhang Xiaobao knew about this for a long time, but he couldn’t help it. The court just wanted to do it. He hesitated and said to Wang Juan: “There are two ways to solve this problem. , I guess he can know it himself, but he still has to insist, frighten him, and then we think of ways to prevent counterfeiting of the currency.
In fact, there are counterfeit coins in any period. This cannot always be solved by the anti-counterfeiting technology of the currency itself and the user's understanding of the currency. It should be done from the system. Of course, it is best to use electronic currency. Can avoid danger. "
"What about another solution?" Wang Juan knew that the first point was the same as it was not, and asked about the second point.
Zhang Xiaobao’s voice is relaxed, "The second solution is to let me take the shot. I will be able to let Li Longji know the price of using silk as currency within three months. Things that are not easily broken by gold are still the same when they are currency equivalents. The impact, let alone a silk.
Datang now uses less silver. It is usually used in a large number of currency calculations and official statistics. Normally, the currency standard of brass and silk is the currency standard. If I hit it, the silk will be worthless immediately. Can you say it? This is called What is coming, it is called the throes of reform. "
"No, you will not only impact the currency itself, but the lives of the people, whether it directly affects the people's own money or affects the businessmen, it will eventually be passed on to the people."
You said how many merchants would go bankrupt if you hit it? How many people have a career? How many people squeeze their workers to weaken the impact of currency shocks on themselves? You go to attack Tubo, Datang is not allowed to move, absolutely not allowed to move, there is no more gentle way for you? "
Wang Juan resolutely rejected Zhang Xiaobao’s idea. The current monetary system is unstable. If Zhang Xiaobao is allowed to move, it’s over. There is no doubt that Xiaobao can do it. It’s too simple. You can do it yourself. To do it is to make the impact smaller.
"Forget it, think of a way, is it gentle? The kind that moisturizes things silently. The problem is that the value of copper coins is too high now. It is not the value of copper itself. After one gram of copper is made into copper coins, it will be produced. It is possible to buy two grams of copper, so many people want to cast it privately.
In addition, some people are similar in appearance to the current copper coins, but they add other things to the inside, or reduce the weight. This is not good. At the time of the Song Dynasty, copper was expensive and money was cheap, so many people They melted the copper coins and turned them into good things for making copper. "
Zhang Xiaobao is worried because the anti-counterfeiting technology is not good enough. You must first obtain something that others can't get to use it as currency. The value of this currency is very cheap. Only in this way can the impact of currency issuance on the market be reduced.
Wang Juan lowered his head, and said after a while, "Why don't you try to make alloys? It would be great if you could refine oil into plastics. Keep this technique secret, draw patterns on plastics, wait for money, and no one else would know it. Then you can't fake it. As long as we reserve enough gold, silver and copper, we can issue currency.
Once a new currency is issued, what needs to be considered is not the impact of the value of the currency itself on the market, but rather a matter of supervision. If the court is short of money, a small amount of additional currency can be used to depreciate the currency slightly. In fact, it is not needed now. If you do that, people who don't have the heart and soul do that.
Throughout history, all the dynasties that have been so dry are all over, and the big deal will be borrowed, and then the value will slowly depreciate, and it will not be doubled or doubled all at once. "
"Well, this is a dream. Let's open the bank to various places first, limit the amount of withdrawal, develop logistics, so that the money can be delivered to the place faster, then we can cooperate with others to do business together, and let the upper store accept this. The currency is messed up. When I think about it this evening, there are too many things involved."
Zhang Xiaobao couldn't think of it anymore, so he had to put it aside for now.
At this time, the two people also came to the reception room. Niu Da and Niu Zhuang didn't know how much they had eaten. One by one they held their stomachs on the ground and looked happy. They said in a contradiction.
He Yiwei also held the book to accompany him. Anyway, he had nothing to do. He rested everywhere. He happened to have more contact with the people here, and he became familiar with him.
Li Linfu is here too. He went to Fengwu Pavilion and had a meal in it. He couldn’t stay there anymore. He was always thinking about the commendation county employment assistance fund. He wanted to know more about the bank and how to do it. Get more benefits from it, and how big is the final impact.
"Come here, take two big mountains to check pills, next time you eat it and don't care, but you encounter something that doesn't cost your own money, right?" Zhang Xiaobao stood at the door and found out what was going on inside. Said Niu Da and Niu Zhuang.
"It's okay, it's okay, today I ate the bastard soup. To reinforce it, I drank a bit more and ate two more steamed buns. This bastard soup is so good, I haven't eaten it since I was a child. "The real cow said, rubbing his stomach.
Zhang Xiaobao was taken aback for a moment, he just made the king's eighth soup, and there was still a lot of it left. He was ready to eat it. Unexpectedly, he moved to this side. He turned his head and looked at He Yiwei and said:
"Major He, Master He, is there any kelp and rib soup I made for Beckham?"
"Yes, yes, no one dared to know what you made for Beckham. That bastard soup is really good. I'm still hot on my body now." He Yiwei hurriedly replied. If this is a misunderstanding, Beckham won't be able to blink. I stared at myself with big eyes all day.
Zhang Xiaobaoxin said that this is not nonsense. Whose family tried to drink the king batang in summer, and there is no ice basin in this room. There is only a fan that does not turn when it is connected to it. It is strange that it is not hot.
"Niu Da, fill out this form, I don't know the words, I will tell you one place by one place, oh, the county magistrate He is going to say it personally, so let the county magistrate say it."
Zhang Xiaobao retaliated against He Yiwei and brought him a set of forms. The contents were very detailed and needed to be filled out. Then he had to send someone to check on the spot to see if he could provide interest-free loans to the other party.
The bank’s business is still immature, and there is no competition. Otherwise, there is one more thing to add, that is, for all borrowers, the bank must pay the money in installments, and if the individual or the “enterprise” saves money, he can only choose his own. This bank, in that case, would not need the local government to give other banks other benefits.
He Yiwei drank the soup made by Zhang Xiaobao and could only help with the work. He brought the set of forms and started talking to Niu Da and Niu Zhuang one by one.
Zhang Xiaobao and Wang Juan no longer care about this matter. They can send someone to read it tomorrow after they fill out the form.
Faced with Li Linfu, Zhang Xiaobao said, "Lord Li has been waiting so much. I'm really sorry, it's better to go to Fengwu Pavilion for a meal."
Li Linfu had already leaned over to read the form. He hesitated when he heard Zhang Xiaobao's words, and said, "Okay, okay, but I want to learn about this fund. I don't know if Master Zhang can also send me a set of forms. , I will think about it, maybe it can be used in Xincai County by then."
Li Linfu did not introduce his official position. He believed that Zhang Xiaobao and Wang Juan had already found out all eight generations of his ancestors. As a neighboring county of Baoxin County, Xincai County could not escape Zhang Xiaobao and Wang Juan in every move. s eyes.
Zhang Xiaobao thought about it, and felt that even if it was deliberately kept secret, he nodded and said, "Okay, I'll get a copy. If Mrs. Li is unclear about it, you can ask during the meal."
Wang Juan, who has looked at Li Linfu, thinks that the very powerful character in this legend is average. I haven’t seen how powerful it is, and they all say that he is good-looking, and I don’t know who has such a bad aesthetic point of view. An ordinary person is nothing more than a long one. Zhou is punctual, has a better temperament, a more elegant conversation, looks a little pleasing to the eye, and responds a little more appropriately, but in fact it is gone.
So Wang Juan didn't talk to Li Linfu at all, but stood beside Zhang Xiaobao.
When the three of them went out, Li Linfu ordered the people who came with him to find a place to rest on their own, and went to Fengwu Pavilion with Zhang Xiaobao and Wang Juan again.
The three people found a round table, and there were not so many horizontal and vertical bars below to distinguish the identity grid. They ordered two dishes casually, and let people warm a pot of wine, and the three of them ate it.
It was not too long after Li Linfu had eaten it, so he couldn't eat it at all. He just drank and ate some cold dishes. He didn't immediately tell Zhang Xiaobao and Wang Juan about Feng Changgong in Cai County. Instead, he watched the two people eat and figured out the form for himself. Meaning in.
Zhang Xiaobao and Wang Juan are starving, and thinking about things is quite mentally exhausting. They are not polite with Li Linfu at all. They let go of eating, and they slapped their mouths while eating. They will talk about this dish for a while, and then talk about it. The dish is overwhelming.
The things on the form are very clear, as long as you know the words and have a good foundation, you can easily understand it, so that Li Linfu can understand it without asking Zhang Xiaobao.
There were six pages in total. After turning three pages, Li Linfu wanted to find a narrative to talk to Zhang Xiaobao. He could only hold back when he saw two people's food, but he was more interested in the food they were talking about.
This is not to blame Li Linfu, because he doesn't know how to cook, occasionally cooks a little, and eats it on his own. He thinks it tastes good, but no one says it is good when others eat it. The best comment he gets is "Yes, you can eat."
At this time, he heard the professional words of Zhang Xiaobao and Wang Juan, which made him very envious. He felt that it was a pity that two of them were officials and that they should be cooks. In that case, many people can eat their food. What a pity, I am in Fengwu today. Ge did not drink the Wang Ba soup made by Zhang Xiaobao himself.
Just look at how Niu Daniuzhuang and He Yiwei look after eating.
After eating six minutes full, Zhang Xiaobao stopped eating. He had to drink some wine with him. After eating some cold dishes, he was completely full and let Wang Juan eat himself there. Zhang Xiaobao poured himself a glass of wine and said to Li Linfu :
"Master Li came, but did you ask about the cooperation of the two counties? Or is it good for Master Li, who came here personally for the people regardless of the hard work. It is much better than Feng Changgong, huh! Offended me and the cuckoo," He Feng Changgong shouldn’t expect to get better, let alone no one intercedes with him, it’s useless even if there are people, even if it’s the sage, me and the cuckoo have to ask to understand it."
Li Linfu was very happy when he heard what Zhang Xiaobao said before, thinking that he had a chance to intercede with Feng Changgong. After listening to what Zhang Xiaobao said, his fiery heart was chilled. It seemed that even the emperor could not help intercede. Then he is not as good as the emperor, and then, it seems that he is deliberately looking for trouble.
Surprised in his heart, Li Linfu had to doubt what he had come to do this time. The half-year-old child of the other party was not only good at calculating money, but he was not bad at speaking, and blocked himself to death in one sentence. Up.
Looking at Wang Juan, Wang Juan is still eating there, and two bowls of rice are in. How can it be eaten like this? In addition, Wang Juan has not talked to himself before, and it is estimated that breakthroughs in this area will not work.
After thinking about it for a while, Li Linfu nodded and said: "Exactly, if someone else is serving as an official in Baoxin County, I will stop the idea, but since you and Wang Juan are here to become an official, if you don’t think about it, Sorry to the people in Xincai County, I wonder if there is any way Master Zhang can make the lives of the people in Xincai County better?"
Seeing that Li Linfu didn’t mention Feng Changgong’s matter, Zhang Xiaobao would not say it again. He said to Li Linfu: “There are yes, but not at this time. You have to wait for the interplanting of sesame and soybeans to be completed and the four workshops are fully operational. It doesn't matter until time. It's okay to talk to Master Li first.
That is the service industry. The so-called service industry includes catering, transportation, entertainment, medical care, etc. Lord Li just won’t come. In a few days, I will send letters to Lord Li and Lord Cui, Juan Juan, please write it. Let's show Master Li's plan. "
Wang Juan stopped his chopsticks at this time, swallowed the contents of his mouth vigorously, took out a few sheets of paper full of words from his shoulder bag, and handed them to Zhang Xiaobao.
After a glance, Zhang Xiaobao handed the paper back again, "Xincai County, not elsewhere, this one is from Shannan Dongdao."
"Oh, I got it wrong." Wang Juan took it back, took a look and put it in his shoulder bag, took out another one, looked at it, shook his head, and continued to take it.
The one on the left is the one on the left. It’s hard to find this one. Looking at Li Linfu, he was anxious, and at the same time he was surprised. From what Zhang Xiaobao said just now, he knew that there were many plans in Wang Juan’s bag.
What did the two of them serve as officials in Baoxin County and do so many plans for other places? If you let the officials of the localities included in the plan know, don't you have to go to Baoxin County? If you can get a copy to take it back and follow suit, that's a political achievement.
How bad is the plan written by Zhang Xiaobao and Wang Juan
I thought that the two of them were busy and didn't have time to do anything else. I never thought that they also made plans for many places. This is too scary.
"This, that's right, it's this, Xincai County. The mezzanine is placed. Thanks to it, I can't find it anymore. I have to go back and look through it to see if it's put together with another Yiluo's plan. Too much, I don’t feel tired when I work, it can be troublesome to organize."
When Li Linfu was surprised, Wang Juan finally delivered a plan to Zhang Xiaobao.
Hearing Wang Juan's embarrassment, Li Linfu, who was carrying the wine, couldn't help but shudder. The wine was spilled. He originally thought that there were enough plans in the bag, but he didn't expect that there are still such people who are not prime ministers.
Zhang Xiaobao looked at it again, nodded and said, "Yes, that's it. I will go back tonight and I will sort it out with you. I will turn out all the contents in the big cabinet, and let someone make another cabinet full of small grids, and place it according to each lane. It’s best to do a better job, and the state government should also look at it separately, otherwise it will be troublesome to find it in a mess."
After talking to Wang Juan, Zhang Xiaobao put the plan in his hand on the table and pushed it to Li Linfu. "Master Li, I’m here. When I do it, I think about it. I haven’t sorted it out yet, and there’s no supplementary plan. You can take a look first. , Discuss where there are omissions slowly, not in a hurry, this plan is a little rougher, that’s all."
Li Linfu took the plan stubbornly, and began to turn page by page. It said what kind of box lunches made at the pier in Xincai County might sell well, and how to divert water to build a swimming pool there, and provide massages. If there is a dock to be built as large as it is suitable, the pulley block of the Xiaoluoshui Wharf is used for loading and unloading.
There are also how the road from the middle of the county to the dock should be built in the local area, how to build a pavilion on the road, how to sell local souvenirs, and so on.
There are 22 pages in total, and the writing is very small. This is the crude Xincai County Development Plan, which makes Zhang Xiaobao feel that he lacks supplementary plans and temporary response methods for emergencies and is embarrassed to come up with the plan.
Li Linfu suddenly had the idea of ending his own life. It was even said that when selling boxed lunch, it was necessary to increase the size of green onions, and it was written when they were about to start the pot, because people who run boats often deal with the water and get cold.
If this is also rough, then what is not rough? No wonder the emperor did not allow others to impeach the family of Zhang Wang, and only allowed the civil and military officials to exaggerate Xiaobao and Wang Juan. .
Zhenzhi treasured the plan and put it away. Li Linfu said to Zhang Xiaobao: "This is just Master Zhang helping me. I wonder if I can help Baoxin County do something?"
A plan is a political achievement, and Li Linfu also had to put down his body to return it.
"Jujuan, take out the plan that the two counties cooperate with." Zhang Xiaobao said to Wang Juan again.
Suddenly, Wang Juan flipped through his shoulder bag. "Oh, I didn't bring it. It should have been placed on Jiangnan Dongdao. If it weren't for Jiangnanxidao, it would definitely not be placed on Huainan Road. "
"Uh... Lord Li, I'm sorry, I was too hasty today. I didn't bring it. It's better to discuss this cooperation when we have dinner tomorrow morning. Why don't Lord Li live here tonight?"
Zhang Xiaobao looked helplessly at Wang Juan and said to Li Linfu, Wang Juan pouted aggrievedly.
Li Linfu's idea of using a rope to find the crooked neck tree became stronger, and he smiled reluctantly, "Okay, okay, I will live in Fengwu Pavilion tonight, and I will look for you tomorrow morning."
"Then I have to go back with the cuckoo. Beckham's arm fell, and it is estimated that she will have to eat too. I have to give her the hot bone soup, and this sister doesn't care about snacks."
Zhang Xiaobao drank the wine in the glass, took another bite of the cucumber, and said with a whimper.
Wang Juan also took a sip of the soup, then wiped his mouth and stood up.
Li Linfu kept sending Zhang Xiaobao out of the restaurant. Only then did he stand there, looking at the red clouds in the sky to the west, turning around and returning to the room he had just stayed in boredom.
I took out the form of the Employment Assistance Fund and the plan of Xincai County and read it several times. He raised his head and sighed, and muttered: "How can this be argued, playing tricks, and doing practical things, they both seem to be fine. I have to write a letter back to the capital, telling them not to offend Zhang Xiaobao and Wang Juan at will."
…
"Xiaobao, do you think Li Linfu will be scared to get sick? They say he is terrible, but I don't think so." Wang Juan asked Zhang Xiaobao while he was on the way back.
"He is still young, and a lot of experience needs to be accumulated. If he can do it now, he is already pretty good. If you change the environment, can Cao Cao really be a loyal minister?"
Zhang Xiaobao’s pace is quickening, and my sister has to drink bone soup. She has to boil it over the fire and add bone marrow when it’s out of the pot. Today is kelp ribs, and tomorrow is fish head soup. Change the sample, otherwise you will get bored. Stop eating.
Wang Juan understood what Zhang Xiaobao meant when he asked him, that is, can he change Li Linfu so that he should not be so bad, and he pondered over and said: "In fact, a person’s character is also related to his environment. There are no good and bad people in this world. The difference depends only on whose interests are hurt in the process of gaining benefits.
If you want to change him, you might as well try it. Even if you can’t change it in the end, it’s just as easy to clean him up. Even if Li Longji wants to protect him, if you really want to try, scare him more, and then take it with him and prevent him from doing what he used to. He never came to Xincai as an official before. "
"Alright, let's take a look. The first thing to solve is the matter of Lieutenant Yan. Li Longji saw that we fixed He Yiwei, so he sent us another person. If this continues, we might as well organize a training. Ban, give Li Longji a 50% discount."
Zhang Xiaobao also stopped worrying about Li Linfu's affairs, walked into the Yamen, and began to make food for his sister.