Wang Juan took the cotton ball and gave it to each other. Zhang Jiazhen, Zhang Jiuling and others did not leave, but they didn't tell Zhang.
Zhang said that when he hadn't figured out what Wang Juan was busy there, he was scared by a loud bang and almost didn't sit on the ground, followed by a continuous crackling.
Li Longji was not scared, but looked at the greet scene happily.
Zhang said helplessly closing his ears with his hands, and glanced at Wang Juan, who was snickering and laughing beside him. He couldn't laugh or cry. He was still a child.
The next thing Wang Juan tried to arrange according to the historical situation, except for the place she and Zhang Xiaobao used to entertain Li Longji to prepare for future wealth, nothing else was changed. For example, Li Longji changed the state of Bingzhou to Taiyuan. Mansion, exempt from giving or something, still follow it.
After the Jinyang officials and Li Longji's team merged, the officials had arranged according to the letter sent by Zhang Xiaobao and Wang Juan in advance, and took Li Longji's mansion for transit.
Zhang Xiaobao and Wang Juan estimated that Li Longji could not go to the prepared place today. They found an excuse to go there to check for omissions, and asked Li Longji for a leave. As for whether Li Longji could be there If you continue to write poems here, it won’t be the responsibility of two people.
Zhang Xiaobao and Wang Juan, who had asked for leave, took the nursery team at home, and Xiaobei and others. They left behind the three people who didn’t know that they had left, and found a place for Li Longji to play. Both the long and short guns were taken out.
Under the curiosity of Xiaobei's group of little guys, they snapped at a target that made people stand twenty meters away.
A group of people ran over to watch after eleven rounds of a magazine were hit.
"Well, I see. Next time you aim, turn to the left." After seeing the impact point, Zhang Xiaobao concluded how much the gun's trajectory was off based on the previous aim.
"It seems that the technology needs to be improved." Wang Juan also felt that the gun in his hand was a bit too close.
"I want too, I want too." Beckham looked curiously. At that distance, he didn't see an arrow being released, and no one was drawing a bow. There was a popping sound like a firecracker. If it was broken, she knew this kind of weapon that could hit a long distance.
"Okay, okay, this one is too heavy, wait until my brother makes a lighter one for you, remember, you can't tell others." Zhang Xiaobao put on a magazine again and said to Beckham.
Xiaobei nodded sharply: "I know, don't tell me, you must not tell others about family affairs, you must keep it secret."
The other little guys also clamored for one, and Zhang Xiaobao agreed one by one.
I'll make it for them when I take the time. Of course, I don't hold a pistol by myself, but are made of wood, and use animal tendons as a toy for pebble. It is best to stick a layer of cotton on the outside of the stone.
Then the two continued to test the gun, keeping the target distance to 60 meters away, gradually feeling the condition of the gun in their hands, and then thickening the target, replacing the original paper target with a wooden one, and from then on verifying the effectiveness of the pistol bullet. distance.
Let people take a bow and arrow to experiment and take a distance to shoot a person. After experimentation, the effective distance of the pistol is 35 meters to 37 meters, mainly because of bullets.
After testing the pistol, they started testing the rifle again, coupled with a sight modified with a telescope, and after hitting it, Zhang Xiaobao and Wang Juan were both happy and dissatisfied.
Fortunately, the long gun is relatively more accurate than the pistol. Dissatisfaction is naturally the range, one kilometer, that is not to think about it, 800 meters, the bullet will not fly through, and the final result is obtained. It is between 250 meters and 300 meters.
This distance is worse than a strong crossbow, and stronger than a normal bow and arrow. The advantage is that the shooting speed is fast, and the bullet is lighter than the arrow, so you can carry more.
"Almost, let's do this first, as a long-range sniper rifle, you don't need to count on it. If you can have three to five hundred, it will be equipped to the army, and the lethality is still not small."
Wang Juan said as he disassembled the spear.
"This is progress across the ages. It is much more powerful than the first firecrackers that appeared in the Song Dynasty. Okay, we can use such weapons to equip the army in the future. At that time, it will be invincible and invincible in all directions."
Zhang Xiaobao put the disassembled gun into his backpack, assuming the posture of the world giving up to me.
Wang Juan glanced at Zhang Xiaobao. "Any good weapon depends on who uses it. After it is equipped, you can't underestimate the enemy. You can only use it at a critical time. The range of other people's bows and crossbows is not close. After removing a few, the technology is passed on."
"It seems that the confidentiality work in Luzhou should be stricter, and it is best to be transferred to the ground."
Zhang Xiaobao also understands the truth. Just like the original gunpowder, if it weren't for attacking others, it would be taken away by others after losing. As a result, people in Europe used gunpowder better than here. In a short time He just improved his skills, and when he came back, he didn't even have the power to resist.
The two people who tried the gun did not plan to go to Li Longji, and took Xiaobei and others to swim, which was the place prepared for Li Longji.
No one doubted what happened just now, and thought someone set off firecrackers here.
"Okay, now change clothes and swim." Zhang Xiaobao shouted to a group of little guys when he came to the edge of a big small lake that was on this side.
In order to take advantage of it, Zhang Xiaobao and Wang Juan packed up a large area here and remodeled the original small lake, especially the shore, which brought a lot of sand.
In this way, in summer, visitors can come here to swim, or barbecue on the beach to bask in the sun.
Li Longji can't always say that he has swam once, and that such a big place can't let others come. The courtyard prepared for him here is not allowed to be visited, but other courtyards next to the courtyard can be rented out.
Where the emperor is willing to visit, other tourists who want to come will rush to enjoy it, and the price will be very high.
Open a few more open-air stalls and use local wines. It is estimated that next summer, I will be able to make money back from the spending this time.
There was a person in charge in this place. Seeing that Zhang Xiaobao and the group wanted to go into the water, they hurried over to stop them, saying that they were prepared for the emperor and could not go down casually.
As a result, before Zhang Xiaobao talked to Wang Juan, Xiaobei said to this person that he was here to test the water for his Majesty. Otherwise, if the water is cold, something in the water will be bad, and the person in charge is dumb. Speechless, I can only stand by and watch.
Xin said that it is still necessary to try it here, it has been cleaned up over and over again, except for small fish, there are no other living things in the water, and even the aquatic plants in the lake have been pulled down and pulled out in advance.
The lake with a lot of sand is very comfortable to use, first it is only half a meter high, then one meter, anyway, every upper half meter, there will be a distance of more than 20 meters, so that people will not be flooded.
Zhang Xiaobao and Wang Juan were floating in the water. They didn't go to deeper places, only about one meter and five meters away, just enough to give them two people.
Xiaobei's gang of little guys are also swimming in this area. Compared with Zhang Xiaobao and Wang Juan, they can swim even more than half a meter deep.
Maybe it's well-trained. The little guys are not afraid of water at all. They swim breaststroke and backstroke in the water very freely, and they can speak casually.
…
Two days later, Li Longji and the officials should be busy, and finally came to this swimming place. Zhang Xiaobao and Wang Juan persuaded Xiaobei and others to go ashore and wait for a barbecue. The two of them stayed with Li. Longi's side swam in the lake.
The specially-made swimsuits were worn on the court ladies and concubines brought by Li Longji, and they were all white flowers. It was obvious that Li Longji wanted to drive away the guards and Zhang Xiaobao.
As soon as he saw him like this, Wang Juan whispered to Zhang Xiaobao: "I haven't seen the world, it's just showing his arms and legs, so what?"
"That’s right, when I was outside, there were many women who didn’t wear anything, let alone three o’clock, then look at... It’s not interesting at all, it’s really boring, don’t look at me like that, Western Women admire badly, and there are creases on the face of eighteen or nineteen years old.
You guard first, I'll go down to see if there are any shells, don't clean them up, you can eat them after you catch them, wait, take a look, and come up. "
While talking, Zhang Xiaobao suddenly realized that Wang Juan's eyes were wrong. He threw down his words and plunged into the water. After staying in the water for three full minutes, he came up again and shook his head regretfully.
"No, there are only small fish in the water. These prodigal gadgets tell them to keep the shells and clean them up. When the meeting goes up, let people fish them from other rivers and put them in. There will be a special one here in the future. Project, let people fish, and then bake, a shell is sold for a penny."
Wang Juan didn’t mention what was just now. He also dived into the water to have a look. He fished a lot of mud from the lake and found that the little red worms were dead. Can't drink anymore."
Li Longji finally didn't chase the other outsiders away, and then came here to play with the mandarin ducks, but he followed the concubines for a while.
Then I went to have a barbecue under the sun umbrella on the shore, and exaggerated Xiaobao and Wang Juan, saying that it was a good place.
He looked like he was going to play one day today and not playing tomorrow.
Zhang Xiaobao hurriedly said: "Your Majesty, there are other Majesty who haven't enjoyed it. For the next three days, I will feel differently every day."
"Oh? Also? Can't it be done today?" Li Longji asked.
"I can't arrange it. How can I have time for many projects in one day? There is also a high platform diving, and there is more rafting at the lake's water diversion point, at least three days."
Zhang Xiaobao replied that the so-called high platform diving is actually only five meters long. Even if it is shot horizontally, there is no danger. As for drifting, it costs a lot of money, because the river flowing into the lake is not that way. Although it also flows down the mountain, it is impossible to drift quickly first.
For this, Zhang Xiaobao asked the people who came in advance to build a small reservoir in the upper reaches to block the small valley through which the river passes. There is no need to store too much water, as long as it can be flushed twice when the water is released.
Because the time is too short, it can only be rushed once, controlled by the iron gate, and the door can be opened as long as the iron cable is shaken. It takes a lot of work to repair this simple small reservoir.
After Li Longji leaves, he will have to repair it again. There will be a group of twenty people who want to drift by then, and each of them will have a good amount of money.
Since there is no rubber, all small kayaks can only be glued with leather, and the same is true for life jackets.
Li Longji really hadn't played anything like this before. After thinking about it, he finally decided to stay for three days. If he plays well, he can build one in the capital.
Zhang Xiaobao and Wang Juan actually have something better, that is to try the translucent swimsuits at three points. The women wear them. They were meant to be taken out. Then let Li Longji play with the concubine by himself. But Concubine Wu Hui came, so naturally they couldn’t. Take it out, if Concubine Wu Hui, who is already good in appearance and figure, wears such clothes, the Queen and Queen will not have much advantage in going back.
Concubine Wu Hui also followed today, showing great enthusiasm for Zhang Xiaobao and Wang Juan, making the two of them wonder if the other party had already thought of a way to trouble themselves.
In the evening, the bonfire party started again. Anyway, let Li Longji stay here for a few more days. It is best to write a poem or something. It would be better if he could write a word that says the world's most leisurely place.
For the next three consecutive days, Li Longji really stayed here. It was diving, drifting, and eating on the water, which made Li Longji very happy.
I think it’s almost time. Zhang Xiaobao and Wang Juan arranged for Li Longji’s next trip to Luzhou. In normal history, Li Longji was the first to arrive in Luzhou, and climbed the Taihang Mountain over there. If Zhang Xiaobao and Wang Juan didn't mention it, Li Longji would not miss it either.
So the team went to the other side again. This time they stopped taking the waterway. They had to come back and take the boat when they had to play there.
As the team progressed, Zhang said that he had turned the mansion into a recruiter and talked to Li Longji again, and came up with a plan for the strong and the weak.
This is mainly because the conscription is a bit laborious now. Without Zhang Xiaobao and Wang Juan, the people who died in the last battle would not have been cared for.
Many people with names on the roster were afraid of being recruited, so they tried to relocate their families and live in other places, so that people could not find them when they were recruited, and their household registration was very messy.
It is precisely because of this that Li Longji asked Yuwenrong to check his household registration and gave land to people who do not have a hometown outside, so that they can live with peace of mind. At this point, Yuwenrong has done a good job. It is about to be completed soon. People no longer continue to hold accountability.
In this matter, Li Longji still agreed. The treasury has more money and fewer people guarding the capital. It is more cost-effective to spend money to recruit troops.
After Zhang Xiaobao and Wang Juan heard this, they glanced at each other and were speechless for a while.
"The recruiting system is a bit better than the military system, but it also has a lot of hidden dangers. If the court has no money, then you can't afford to raise soldiers. The locals are all raising their own soldiers. Whoever pays, the soldiers listen. Yes, it looks like you have to talk to Li Longji."
Zhang Xiaobao thought for a while and said to Wang Juan.
Wang Juan also knows the drawbacks of this. After all, it is still in the era of cold weapons. There are too many people needed to fight. Even if Zhang Shuo has laid off a lot of frontier soldiers, how can they not secretly secretly if they have money. Raise more soldiers, not to mention that the power of Jidushi is too much.
After listening to what Zhang Xiaobao said, he said, "Either we should also go to Jiedu. Then there will be more soldiers. Whoever wants to make trouble will clean up. I am worried that there will be one less Anlu Mountain, and there will be other people. Will jump out, after all, this system itself provides people with such opportunities.
I really have to talk to Li Longji, tell him not to let the locals organize their own troops, and try not to recruit troops. If there is no money, it will be troublesome. The best is of course conscripts, just like we did at that time, using honor to gather soldiers. Xin, as long as you persist for a few years when you are a soldier, you can come back to do things and get a not-so-good amount of money.
If you find something good, you can continue training. This way, you will be trained and you will have less trouble. Now you only recognize money as a soldier, and it is estimated that this will be the case in the future. "
"It's okay, I'll talk about it when I go back." Zhang Xiaobao nodded.
After a few days, the team came to Luzhou.
Li Longji started his home in Luzhou. He has always regarded this place as his own blessed land. When he arrives, he feels particularly comfortable. He climbs mountains, writes poems, and exempts the place for five years. In history, he has been exempted for five years. It was because of Zhang Xiaobao's relationship with Wang Juan that the money in the treasury was much more, so it was saved for six years at once.
One more year is exempted. This is not a small amount. Luzhou is not small at all. It pays a lot of tax every day. One year less can give the people here one more year of development opportunities. After six years, they just don’t want to be rich. It's hard.
Zhang Xiaobao and Wang Juan would naturally not miss doing some business on the Taihang Mountain here. Those who arrived early have organized local people to build better mountain roads and built many villa areas in the mountains, all made of wood. of.
He also provided activities to go hunting in the mountains, allowing Li Longji to play happily for a few more days.
Waiting on the way back, Zhang Xiaobao found the opportunity and said to Li Longji: "Your Majesty, the minister and the cuckoo have an idea, I don't know whether to say it or not."
"But it doesn't hurt to say it." Li Longji felt that something seemed a bit wrong, otherwise Zhang Xiaobao would not go around in circles, and it would be inappropriate to ask. Since I have asked, how can I not say anything.
"Your Majesty Xie, the ministers and the cuckoo heard about the recruitment of soldiers mentioned by Master Zhang, and felt that it was a bit wrong. At this time, Chaozhong is still rich in money, but as long as he encounters several natural disasters in a row, then build some palace houses or something. It may make the money in the treasury in short supply.
At that time, what kind of money will your Majesty use to raise troops? Is it possible to let the self-reliance of various places make them support themselves? Whose soldier is that raised? "
Zhang Xiaobao asked about major issues concerning the country.
Li Long basically agreed to Zhang Shuo's recruitment. Hearing what Zhang Xiaobao said, I think it makes sense. However, if you still need to recruit troops according to the previous method, the people who have finally settled down should run around again, so that there will be no soldiers in the capital. .
Zhang said that he was standing beside him. Seeing Zhang Xiaobao objected to his proposal, he retorted, "Is there a better way to become Zhang's master book?"
"This is natural and a good method is available, but it is not available now. I will wait until I have done other things well. Since I can recruit soldiers, I will use it for a few years. After a few years, I don’t have to continue to spend money like this. ."
Zhang Xiaobao and Wang Juan have discussed this matter, that is, conscripts, which requires other auxiliary methods. The current government soldiers are actually conscripts, but they are slightly different from theirs at that time. The conscripts of the government soldiers are mainly less trained. Or not.
Zhang said that he felt uncomfortable, and he would not believe it when he said it to someone else, but when Zhang Xiaobao said it, it would be difficult for him to believe it or not. After all, where Zhang Xiaobao and Wang Juan were capable.
What he meant was that if Zhang Xiaobao and Wang Juan could talk to me first, and then let me talk to the emperor, that would be fine, but Zhang Xiaobao actually said it himself.
Therefore, Zhang said he wanted Zhang Xiaobao to talk about the specific things, and then he picked the fault in it, so he asked Zhang Xiaobao: "I don’t know if Master Zhang can talk about the details now, otherwise, in case you Didn't you make a mistake to worry your majesty?"
How could Zhang Xiaobao not know what Zhang said, and shook his head slightly: "I can't say it. Now that I say it, it is easy to be used by people with a heart. When the time comes, it will be obvious. As for your majesty's worry, the minister and the cuckoo seem to have not worried your majesty. pass."
What Zhang Xiaobao said couldn't be more clear. Zhang said that he didn't continue to say anything, but looked at Li Longji. Li Longji's heart was itchy by Zhang Xiaobao's words. Seeing that Zhang Xiaobao didn't say anything, there was nothing to do, but he nodded. : "Then Xiaobao, you have to worry about it."
Although it is not yet known whether things are feasible, Li Longji also understands that even if Zhang Xiaobao and Wang Juan didn't get it right, they wouldn't make a big mistake. They still have a sense of measure.
Concubine Wu Hui found out about this again. In the same way, she once again made people look at Zhang Xiaobao and Wang Juan, wanting to see what the two of them were going to do. She had already told people about the Zhang and Wang family's plans to open a bank. Going out, they said they could make a lot of money, and said that Zhang Xiaobao and Wang Juan didn't plan to let other people participate, and they wanted to make money from their own family.
Anyway, the half-truth and half-fake of the story makes it difficult to detect the final situation, especially when Zhang Xiaobao and Wang Juan go directly to the emperor’s control. If they encounter people who hinder them, they can kill them first and then play it, making many people feel uncomfortable. Get comfortable.
…
Zhang Xiaobao and Wang Juan have not heard this rumor, because this rumor began to spread elsewhere. It is estimated that some people in the capital have said it, or just said it. When it reaches this side, maybe it will be on the way back. meet.
The two followed the team back to Jinyang, but Li Longji, who was supposed to stay for two days to go back, became addicted to drifting. After staying for five more days, he boarded the boat and went down the river.
Zhang Xiaobao and Wang Juan also breathed a sigh of relief. As long as they return to the capital, this trip will come to a successful conclusion. When walking on the road, let the people who stayed be responsible for running the two places, and be sure to bring the emperor over to play. The news of the play spread.
When I came, I had to give the people in front of me some time to make preparations, so the speed of travel was slow, and there was no need to prepare when I went back. It was smooth, and the speed of the fleet was very fast.
At this time, there was also a market near the chain bridge, where there was no market before. No matter what single or even day or every five or not every five, the people who got the benefits set up stalls at the markets on both sides, and strolled past when they were fine. .
If someone buys something on the other side of the bridge and doesn't want to pay the bridge fee, the people who sell the thing will send the goods there. They pay the annual fee, which is very cheap, and they just spend it casually.
Seeing this situation, Zhang Xiaobao and Wang Juan had to sigh that human wisdom is indeed infinite, because the two people have discovered that when a businessman prepares to cross the bridge with goods, he does not pay the bridge toll for the goods, but finds the local area. People who have paid annual fees.
If the bridge fee for a batch of goods is ten cents, then they only need to give the people three cents or four cents, and the people will help them transport to the opposite side, and it will be much cheaper for them to come back by themselves.
Li Longji also saw this situation and brought Zhang Xiaobao and Wang Juan over, and asked with a smile: "Xiaobao, Cuckoo, do you think you have miscalculated? Didn't you expect it?"
Zhang Xiaobao and Wang Juan knew that something like this would happen at the beginning, and it wasn't a big deal. Such a gap couldn't be blocked at all.
"Your Majesty, it's just because there are markets on both sides of the bridge. Let them do this. As long as they don't fight each other, it won't take long for some people to stop selling goods. , But is here specifically waiting for merchants to come and go, and they help deliver goods."
Zhang Xiaobao told Li Longji what would happen in the future.
"Oh? If that's the case, why bother to build markets on both sides of the bridge?" Li Longji couldn't figure it out, and asked the two people again.
Wang Juan stood up and explained, "Because we will soon increase the unit price of goods crossing the bridge, and reduce the monthly fee and annual package fee, then the people who specialize in transportation here will also increase their labor income, such as A cart of goods now costs twelve cents, then it will become twenty-four cents in the future.
The people who specialize in transportation here can’t do as they did before, with only a little benefit. They will unite to form an organization, and then bargain with merchants, such as saving half of the money.
If you are a merchant who frequents here, you will consider whether to apply for an annual fee or a monthly fee. We can first allow the merchants to only pay monthly, and not allow annual subscriptions, because in that case, many merchants may not be able to directly pay, and they must be allowed Knowing that being able to pay for the year is also a kind of happiness, waiting for them to pay the monthly fee, they will inevitably transport more, so as to maximize the benefits.
At that time, we are slightly increasing the monthly subscription fee and opening a very cheap annual subscription fee. They will feel that it is not easy to obtain the annual subscription. Therefore, once the package is packaged, the non-shipment of the goods is their loss. If it is shipped, To find a way to find a market, and speed up. "
Li Longji suddenly said with a smile: "I understand, that way, local taxes can be overcharged. The more frequent the exchanges, the more prosperous the economy. As long as the local governments take out the taxes they collect. Part of the road construction can make business transactions faster.
Good idea, but don't you just lose it? "
Li Longji is also smarter now, knowing some of the relationship between economics and politics. Of course, he still has a political economy summarized by Zhang Xiaobao and Wang Juan.
It turned out to be only for the inner courtyard. After talking about the opening of the bank, Li Longji asked for a copy. He said that he would not let others know for three years, so he learned it by himself.
Zhang said he was listening beside him. After learning about this, he was very happy. Zhang Xiaobao and Wang Juan were making less money, so he could be regarded as letting out a sigh of relief.
At this time, I heard the emperor said that Zhang Xiaobao and Wang Juan were losing money, then contacted the first two people and said: "Your Majesty, Zhang Xiaobao and Juan Juan cannot lose money at all, whether it is a person who specializes in bringing goods to others or is willing to pay for the year. Merchants all need to pay annual fees. There wouldn't be so many people who paid them. How can two people pay?"
"What Mr. Zhang said is not only that, but another advantage is that it allows us to quickly pay back the money, collect the money for bridge repairs in advance, and then use it for other transactions, otherwise there is no money to do business. If the bank borrows it, it will have to pay interest."
Zhang Xiaobao affirmed what Zhang said and said another advantage.
Wang Juan also continued: "In fact, there is another method, but it's a bit bad to use."
"What is the method?" Li Longji is most willing to hear Zhang Xiaobao and Wang Juan say such things, and thinks that he can get through the book of political economy.
"The method is to choose a lot that requires a lot of ship transportation. Xiaobao and I didn't pay a penny. We posted a notice saying that we were going to repair the bridge here. We can use the reputation of our Zhang Wang family as a guarantee. You can also follow The government signs the contract.
Then tell the businessmen and the people who are going to buy and sell in the two markets, as long as they are willing to pay the money first, then the annual fee will be half cheaper than others in the future. If it is not cheap, we will not take advantage of them. Return their money to them. "
Wang Juan explained.
"Why is that bad?" Zhang said, thinking about it, it's okay, it's fair.
Zhang Xiaobao curled his lips, "Of course it’s not good. We are holding other people’s money and not giving it to free use. Even if we return the money to them in the future, it’s a deception to them. Otherwise, if we don’t have any money, we How much interest is there for borrowing
Therefore, the court has to add a law, that is, this matter must be written in the contract, and there should be no loopholes. If the merchant who uses other people’s money does not meet the requirements, not only must the capital be returned to the people, but also the extraordinary amount. High interest rate, otherwise it must be done in accordance with the contract. "
Zhang Shuo, Li Longji and others were taken aback. They didn't expect that things could be done this way. It was really amazing. If it weren't for Zhang Xiaobao and Wang Juan to say it in person, I would really not have thought that there would be such a method.
Yu Wenrong's eyes gleamed, looking at Zhang Xiaobao and Wang Juan as if looking at two darlings. Even if they shot his person some time ago, he doesn't care, even if the person on his side is in Xincai. The county asked Zhang Xiaobao to clean up and he couldn't resent him.
Who would let Feng Changgong know that Zhang Xiaobao and Wang Juan's reputation is still unconvinced and want to fight against them, that would be good.
Yu Wenrong looked at Zhang Xiaobao and Wang Juan, and said to the emperor: "Your Majesty, there are Master Zhang and Wang Xiancheng in Datang, maybe the law can be improved a lot, especially in economics."
"Exactly, Xiaobao, Cuckoo, are there any tricks? Let me listen again." Li Longji agreed with Yu Wenrong and asked Zhang Xiaobao and Wang Juan again.
Zhang Xiaobao glanced at Wang Juan, and Wang Juan returned the look you said.
Zhang Xiaobao said: "Naturally, there are many deceptions, and all kinds of them, but they never change from their origins. Just like the one just now, it is not a deception. After all, the deceived people don’t lose much. There is another way. It was what the Chamber of Commerce secretly formed by the Ning family did when he was in Luzhou.
Use a thing that is impossible to make money as a starting point, and then defraud the people of money. That is a real scam. If it is changed, it is the same as the previous one. It can be like this. It is to build a bridge in this place, and then let the people Put money in, saying that you can give the people money every month.
Then I use this money to invest, and part of the money earned is given to the people, and part of it is left behind, but I am afraid that after the investment fails, not only the people’s money will not be repaid, but the deceiver may also run away. "
"Anything else? It's not a scam, but it can really make money." Yu Wenrong was fascinated, and asked again.
"Also, after the bank is opened, there will be an approval when lending. For example, who wants to build a workshop in a certain place but does not have the money and borrows directly from the bank. The bank cannot borrow immediately. Because there is no collateral for this project, even if it is borrowed, it is only a small part of it.
Even if the person who wants to borrow money first puts in a little money to do it, then it will not release too much money to him, but if the first part of the money is used to buy a well-positioned land, then this land will be used and will be carried out. If you borrow from the project, you can borrow more money, because this will prevent the bank from losing money.
This is considered to have two mortgages. As long as the business is good, it is considered a win-win situation. There are opportunities in this regard. No one may know that in the future, Juanjuan and I need to regulate. That is when the bank is lending, it is not there. Let it out all at once, but let it out part by part.
The person who wants to borrow is going to do something. Only when the money obtained in the previous period is really used, can he continue to give the money to him, otherwise there will be trouble. This is a very common thing and will be regulated in the future. "
Zhang Xiaobao talked about this to the people who listened carefully, and then talked about a lot of loopholes in other aspects. After hearing the people secretly cried out and learned a lot, of course, if you want to use it, it will be impossible. Because Zhang Xiaobao would stare.
When I was waiting to return to the capital, several important places in the capital had already opened banks. The procedures were approved very quickly, and to be precise, there were no restrictions.
Li Longji was very happy. He hoped that he could quickly take up more territory through economic warfare. However, Zhang Xiaobao and Wang Juan were not happy at all, because they found that one department was missing, that is, the China Banking Regulatory Commission. With the bank, other people can learn to open the bank, and there will be trouble in the department without supervision.
So after dinner, the two people found Li Longji who wanted to sleep with Concubine Wu Hui. They called the ministers who followed and talked to everyone about supervision. The bank without supervision is a big one. Bombs, many things will happen.
Especially when lending abroad, this must be regulated. Even if it is still possible to be exploited, the part that can be reduced is part of it.
Li Longji is worried about this, because if you want to set up a bank supervisory committee, you need someone who is very proficient in this area. Otherwise, others don’t know what to do. If you want to say a proficient person, naturally Zhang Xiaobao is, but Zhang Xiaobao also has some money. Invest in money houses.
Allowing yourself to supervise yourself is absolutely impossible. If others can supervise, who can bypass Zhang Xiaobao
Without supervision, there is no guarantee that the bank will actually act in accordance with that interest rate, nor whether the bank will use other means to withdraw money from depositors. Just like being an official, you cannot make all local officials be local.
Of course, Sanshui County is excluded, as is the place where Zhang Xiaobao and Wang Juan are located.
What Li Longji and others worry about is that others will also learn from Zhang Xiaobao and Wang Juan to open money houses, and then compete with the interest of raising savings, and then use the money to do other things. They are not afraid that they will make money, but they are afraid that they will lose money. If something goes wrong, then the credibility of the bank is gone. Who would dare to come in to the bank to save money in the future
"Xiaobao, can't you really close the bank supervision and management committee while operating the bank?" Li Longji was still very relieved of Zhang Xiaobao, thinking that he would not use the power in his hands to benefit himself.
Zhang Xiaobao shook his head earnestly and replied: "No, absolutely not. This is not a question of my character, but it must be done. Otherwise, there will be no standardization. No one can guarantee that he can really face it. If you have more opportunities, you must first eliminate this aspect from the root cause.
For example, in my family, when taking money and using money, there must be two talents. One is dedicated to managing money, but cannot use money, and the other is dedicated to using money, but cannot manage money. The two supervise each other. If it is a large amount of money, further approval is required.
By this