"Here." Mo Li saw Shang Wen coming from a distance. Then waved for Shang Wen to come here.

Shang Wen ran quickly.

"You came early." Shang Wen said with a smile.

"Lao Mo asked me to pick you up. Let's go." Mo Li said to Shang Wen.

"Where to go?" Shang Wen asked.

"Come with me." Mo Li said.

"En. Good." Shang Wen nodded. Then followed Mo Li. But soon, Shang Wen took Mo Li towards Qinling. Because Qin's public transportation means Mo Li still can't use it.

The Guanzhong area is relatively developed. There is a long-distance bus. bus. Taxis and horse-drawn carriages still exist, but the number is very small, and some highway sections are not allowed to appear such slow horse-drawn carriages, and horse-drawn carriages are uncontrollable. Therefore, some sections of Qin Guoguan have already banned horse-drawn carriages. But Mo Li didn't understand this at all, and in desperation, Shang Wen could only go to the deep mountains of Qinling with her.

At this time, Meng Yi was watching the telegram sent from Zhao Guo.

"The operation of the bank? What does this mean?" Meng Yi said, looking at the strange telegram sent by Li Mu.

Meng Yi didn't know what Li Mu was thinking. He didn't know how Li Mu wanted the bank to operate and what he did. After thinking about it carefully, Meng Yi decided to tell the other party. At this time, Li Mu was at the door of the Qin League Bank.

"I have met the prime minister." said Li Kaixingli, the manager of Qin League Bank.

"No need to be polite. I'm here, and Manager Lao Li." Li Mu said politely to Li Kai.

"The prime minister is too worried." Li Kai said politely.

"Please." Li Kai smiled and stretched out his hand to beckon Li Mu, Li Zuoche, and Zhao Yu to enter.

"Is it okay for your Qin State bank to be opened in Zhao State?" Li Mu asked Li Kai.

"It's okay to go back to the prime minister." Li Kai replied politely.

"Manager Li, don't have to be restrained, don't have to be restrained." Li Mu said politely when he saw Li Kai's very restrained look.

"It's true." Li Mu then said to Li Kai. Li Kai nodded unnaturally.

"We came here to study like you Qin State Bank. I don't know. Does Manager Li mind this?" Li Mu asked.

"This." Li Kai didn't know what Li Mu's purpose was here. Therefore, he was not good at agreeing immediately, so he seemed a little hesitant.

"Manager Li, there is nothing in fact. I just want to know how your Qin State bank operates. Currently, we also have a bank in Zhao State, but the funds are extremely scarce. I want to know, does Qin State Bank have such a problem? How did you solve this matter?" Li Mu asked.

"It turned out to be this." Li Kai said with a smile. Regarding bank operations, the banking industry is no longer a secret. Even Qin’s newspapers have reported, but there are some things in it that I don’t understand without explanation.

"Can you?" Li Mu asked Li Kai.

"Yes. Yes." Li Kai replied continuously.

"Oh. Then ask Manager Li to explain. We will study hard. Li Mu said.

"You don't have to study. Just explain it." Li Kai said.

"Actually, there is nothing too difficult about bank operations." Li Kai said to Li Mu. Li Zuoche and Zhao Yu listened to Li Kai.

"The profit of a bank lies in loans. Qin Guo takes deposits and gives customers a certain amount of interest, and then lends the absorbed deposits to people and companies that need a lot of funds. In this way, the interest given to them is higher than the customer's interest. Interest, this difference in interest is the profit that we want to earn." Li Kai explained with a smile.

"Oh." Li Mu nodded. After Li Kai explained. Li Mu suddenly understood why Qin had to absorb a large amount of deposits. Originally, the absorption was to pool the funds and then distribute them through centralized lending. In this way, the bank is profitable.

"Do you understand?" Li Mu asked two people.

"Understood." Zhao Yu said. Li Zuoche nodded.

"It's just that I have one thing I don't understand." Li Zuoche had already thought of the question he wanted to ask, so he asked.

"That is, if your capital is loaned out, it will take a while to be recovered, and it will take a while to absorb deposits, your money. How to deal with it, that is, if I want to withdraw money, I also need to use money. So, how do you deal with it?" Li Zuoche asked.

Li Mu on the side heard such a question. Nodding again and again. Regarding such a detail, Li Mu also thinks that Li Zuoche thought very carefully.

"That's it." Li Kai thought about the question raised by Li Zuoche. Although this question is very convoluted. It sounds very annoying. But this is indeed a problem. At the beginning, Qin also had such a problem, but soon, the people of Qin solved the problem.

"First of all, we have to establish a deposit reserve. It is to deal with customers who may come to withdraw money." Li Kai said.

"It's the Prime Minister Qin who lowered the standard. Is that what you are talking about?" Li Zuoche asked.

"Yes, this is the reserve." Li Kai said.

"For another question. Qin's customers deposit money in the bank, and customers who need loans, we provide him with the money, but his money must be placed with us, placed with us, and we will also give them A certain amount of interest. When needed, he only needs to issue a series of bills such as money orders and checks. They can exchange at our bank or exchange at other banks. After we have agreed on the time, In reconciliation, the accounts between banks are used in this way to achieve the flow of funds." Li Kai said.

"That's it." Zhao Yu said suddenly.

"Yes. In the view of Qin State Bank, only a small amount of funds are flowing, and most of the funds are not moving. Their flow is very troublesome. We try to use bills. This is bills." said Li It was issued to Zhao Yu, Li Mu, and Li Zuoche to show Qin's money order and check.

Later, Li Mu, Zhao Yu and others learned about Qin's other business methods in detail, and these reasons opened up Li Mu and others' horizons.

Inside the prime minister's house.

"What do you think?" Li Mu asked two people after coming back.

"Qin's method is great. In this case, we can use such a small amount of funds to make repeated loans." Zhao Yu said excitedly. In his opinion, as long as the bank keeps issuing bills, it is enough.

"No." Li Zuoche on the side said at this time.

"Qin Guoren's method is very good. However, we Zhao Guo has not been able to issue such a bill. The anti-counterfeiting method of this kind of bill is much higher than any other anti-counterfeiting method. Moreover, Qin Guoren's bills can be circulated and can be used anywhere. To use it, as long as people who travel have this kind of bill, they can go to Qin Guo's bank for remittance, but we." Li Zuoche said.

"We issued bills, but they could not be used in places other than Handan, Zhao State. Our bills cannot be exchanged. This is a big problem for us." Li Zuoche said seriously. Li Mu nodded aside. Then walk back and forth. He very much agrees with Li Zuoche's views. The Qin people’s solution was based on technology, but Zhao did not have such a foundation. For papermaking, Zhao himself hasn’t gotten it right. How can it be done in anti-counterfeiting technology. and. The most important thing is that bills must be circulated and able to be exchanged. Qin can unite multiple banks to complete it through a bank alliance. But Zhao Guo, Zhao Guo simply does not have so many banks and institutions. In particular, institutions such as the Banking Union complete the final remittance business.

"In addition, Zhao Guo also has a big problem in absorbing deposits." Li Zuoche continued.

"Most of the people of Qin people have the habit of depositing, maybe. Because they have a stable income, their income is enough for them to save. However, we Zhao people have no such habit. Apart from not trusting the bank, it is their income. , There is not enough funds to save. For us, this is the most difficult place." Li Zuoche said. After hearing this, Li Mu nodded. He recognized Li Zuoche's views.

"Qin people's situation is different from ours." Li Zuoche continued.

"Yes. That's right." Li Mu commented.

"The situation in Zhao State is different from that in Qin State." Li Mu said.

"For example, the people of Qin people can obtain deposits from their stable income. In addition, their wages are also managed through banks. In this way, as long as there is a place to save money, the people of Qin people can use their money. Such money can be used repeatedly, so their money is inexhaustible, but we. Our situation is different." Li Mu said.

"Our business method determines that our funds are very limited. Under such circumstances, what we can do is very limited." Li Mu said.

"At present, we should solve this matter. Otherwise, it will be difficult to proceed." Li Mu said.

"I'll order them to deposit the money in your bank, and then you can lend it to the generals." Li Mu thought for a while and said.

"For the exchange." Li Mu said, thinking about walking around.

"I will discuss with Qin Guo to see if we can unite with Qin Guo's bank for exchange. If this can be solved, it would be the best." Li Mu thought of uniting with Qin Guo to do this. The funds of both parties can be circulated. The funds of the people of Qin can go to the state of Zhao, and the funds of the state of Zhao can go to the state of Qin, this kind of circulation can bring great convenience. Li Mu thinks this is a good way. But Li Zuoche on the side was still a little worried, because he knew that such a thing could not be solved all at once. There were technical differences and many operational differences.