The Weapon Tycoon Who Traveled to Great Qin

Chapter 1789: Bank operations

On the issue of Wei, South Korea came up with its own set of methods. They don't even know if such a method is useful, but they can't manage it at all now. The Qin State was also unable to deal with the problems of Wei and Qi.

"Wei's problem needs new ideas to solve." Shang Wen said to Meng Yi. The reason for mentioning the issue of the State of Wei is the railway. The biggest obstacle to the construction of the railway is here. Meng Yi was worried that South Korea would not be able to accomplish such a thing, so he raised Wei’s question.

"What is this new idea?" Meng Yi asked Shangwen.

"This." Shang Wen shook his head.

"I don't know. Regarding Wei Guo's problem, I think we still wait quietly. My instinct tells me. Some people will find a way on it." Shang Wen said.

"At present, all we can do is wait," Shang Wen said.

"Boom." Just at this moment. Shang Wen's assistant knocked on the door.

Meng Yi stepped forward and opened the door.

"What's the matter?" Meng Yi asked.

"That's right, the prime minister has a letter. Put it on the guard." The assistant said to Meng Yi.

"letter". Meng Yi looked at Shang Wen and said.

"Come here." Shang Wen said to the assistant. The assistant handed Shang Wenwen's letter, and Shang Wen looked at it. It belongs to the Mohist school, the unique writing mark of the Mohist school. Shang Wen opened the letter.

"It's a letter from the Mo family." Shang Wen looked at it and said to Meng Yi. Then look carefully.

"The Mo Family?" Meng Yi looked at Shang Wen incredulously.

"Yes. It's the Mo family." Shang Wen said.

"This old Mo from the Mo family, in the letter, he wants to know what the Qin State Party means to the Mo family." Shang Wen looked around and said roughly. Then he handed the letter to Meng Yi.

"They want me to explain in person. If feasible, they will consider joining our Democratic Party." Shang Wen said to Meng Yi.

Meng Yi took the letter and looked.

"Is this too dangerous? You know, the Mo family once kidnapped you." Meng Yi said worriedly.

"No, I don't think there is any danger at all." Shang Wen said.

"Or I'll go for you." Meng Yi suggested.

"No, I think that if you do this, the original effect will not be achieved. Besides, you still don’t understand some of the significance of the Democratic Party. Therefore, I decided to go. If I can tell them that this is the best thing, I can’t say. Tong, at least, we don't have any regrets." Shang Wen said to Meng Yi.

"Doing this, if you are kidnapped again, Qin is in a critical area. This is too risky. I will never allow the same thing to happen the last time." Meng Yi said to Shang Wen.

"No." Shang Wen refused.

"I think it must be done." Shang Wen said.

"Qin's current system is being improved. It can be said that an ordinary person can do this well. We rely on our own system, not people." Shang Wen said.

"The absorption of the Mohist school is of great significance to us. Some ideas of the Mohist school are the same as ours. We have to absorb many scholars and hundreds of scholars to express their political opinions. This is good for the Qin State, the people, and the world." Shang Wen said.

"Sometimes, taking risks is a must. Don't worry. There is no such thing to worry about. Avoidance is not a problem. We need to face it and face it proactively." Shang Wen said.

"En. Okay." Meng Yi nodded.

"But you have to be careful. You should bring more guards." Meng Yi suggested.

"This is not very good. If the Mohists wanted to harm me, they might have harmed me long ago. I just show some ideas if they can join our Democratic Party. This is of great benefit to us." Shang Wen said.

"En." Meng Yi nodded. Regarding Shangwen's decision, Meng Yi knew that nothing could be changed.

Zhao State of Handan. The nobles are worried about their banks.

"Fucking, Li Mu asked us to set up a bank, and we set up. We absorbed money and gave money to those people. What kind of a **** bank is this, it can make money." A young nobleman yelled. The nobles heard that Gongzijia was going to set up a bank, so they set up one after another, because the people of Qin had helped them to recover the coal mine at a very small price. At present, they are not able to take back their coal mines. They are also actively negotiating with the people of Qin, but the people of Qin did not agree, but asked the other party to set up an enterprise with industry. Whether it is a trading company or a bank. At the suggestion of Qin Guoren, they quickly set up a bank, because Qin Guoren said that banks are good for making money.

But as a result, they set up a bank, but did not make much money. There are very few people depositing in Zhaoguo, because every household has no deposits to deposit. In addition, the nobles are very vague about the concept of bank operations, and they think it is unreasonable to pay a part of the interest to those people. In their view, this should be charged, not money to those people. Under this concept, Zhao's noble bank gradually became profitable, and they were willing to lend money to projects that could be recovered, such as gambling debts, emergency loans, and so on. However, deposits only face the nobles. This kind of operation will only become narrower and narrower, and finally the nobles’ banking industry will enter a dead end.

"This bank says it makes money, and it also makes money, but it doesn't make much money." The nobles said one after another.

"Huh. I really don't know what Li Mu thinks." The nobles complained.

And in Li Mu's prime minister's house. Li Mu is also worried about this problem.

"The generals have already borrowed all the funds in the commercial banks. The banks don't have much funds to use now." Zhao Yu reflected this problem to Li Mu.

"Not enough funds?" Li Mu asked, looking at Zhao Yu.

"Yes." Zhao Yu said.

"The generals borrowed too much money. We can't help but borrow. They need to raise soldiers. The consumption of these soldiers is too great." Zhao Yu said.

"En." Li Mu nodded. Raising soldiers is indeed not easy. Besides, it still raises soldiers like this. Once a war is fought, the consumption will be more serious. And the bank has no money at this time.

"Other banks borrow money. It's okay." Li Mu thought for a while and wanted to say.

"No. Prime Minister, other banks, especially the noble banks, are horribly expensive." Li Mu said.

"The interest of the noble bank is quite high, and it is calculated by compound interest. Although we can withstand it, the general's consumption of this way will suddenly cause a big gap in our funds. Most importantly, there is no source of funds. Our side Very nervous." Zhao Yu said embarrassedly. It didn't take many days for the bank to open its business, and the funds were reduced all at once. If it weren't for early closing today, I'm afraid it won't open tomorrow.

"Funds. Funds." Li Mu thought for a while and said.

"How about Qin's bank?" Li Mu asked.

"Qin Guoren's bank requires a lot of procedures, and the cycle is relatively long, the generals will not think about it like this. They think it is quite troublesome to deal with Qin Guoren." Zhao Yu reflected.

"Moreover, the people of Qin State may not agree to such a project. There are certain risks in combat, and the success or failure is difficult to determine. Therefore, some of Qin State's banks may not lend money." Zhao Yu said.

"That's it." Li Mu thought about it after learning about the situation.

"What else?" Li Mu asked.

"This is the noble bank. The noble bank is simply lending usury. Their interest rate is very high. Many people are unwilling to borrow, but they have to borrow. The scope of our supply is very small. Very small." Zhao Yu said. Zhao Yu saw the great potential of banks. There is still a very broad market, but what is the use after seeing these things?

"Funds, there is still a lack of funds." Li Mu said.

"Yes, Prime Minister, it's easy to say with funds. But without funds. It's nothing." Zhao Yu said.

"What's the problem?" Li Mu silently wrote down these questions.

"No more." Zhao Yu said, shaking his head.

"En. You go down first. I think about how to solve these problems." Li Mu said to Zhao Yu. Zhao Yu saluted and then exited. Li Mu felt very troublesome about the current issue.

"Zhao Guo still lacks enough funds." Li Mu sighed.

"The prime minister." At this moment. Li Zuoche came in.

"What's the matter?" Li Mu stopped thinking and asked.

"Prime Minister, I just heard you talk about the lack of funds in banks. I think we should look at Qin Guoren's bank." Li Zuoche said.

"Qin's bank?" Li Mu asked.

"Yes." Li Zuoche said.

"Qin Guoren's bank seems to have never lacked funds, and the scale of funds is sometimes the same as ours, but their funds can be used repeatedly. This is really unreasonable." Li Zuoche said.

"Very strange." Li Zuoche said.

"Wait, what did you say?" Li Mu asked strangely. Because he felt that Qin Guoren must have a certain knack for operating a bank.

"That is, Qin's bank has a small bank with the same size of funds as our commercial bank, but it has never lacked funds. I have seen such a situation in Qin, but I did not understand it. There is also Qin. Money from Bank of China. Many people deposit money in Qin State Bank, and Qin State Bank pays interest. It's just the middle operation. I still don't understand the phone." Li Zuoche said.

Li Mu looked at Li Zuoche and didn't say anything.

"The prime minister. The prime minister." Li Zuoche asked while looking at Li Mu.

"The prime minister." Li Zuoche called again.

"Li Zuoche." Li Mu thought for a while. Then reacted.

"Yes." Li Zuoche was taken aback.

"Go, send a telegram to Prime Minister Qin Guo and ask about Qin Guo Bank's operating methods." Li Mu said.

"Right. Let's take a look at Qin State Bank together to see how Qin State Bank operates." Li Mu continued.