(Summon click, collection, recommendation! Recommended with great recommendation =》Updated with great update)

Lu Bu suddenly remembered the banks in the harmonious years of later generations. At that time, the working class in the world got up early and went to bed late. It seemed that they had made a lot of money, but they were working for banks. The banks firmly controlled the money of hundreds of millions of people with just a mortgage loan under high housing prices. Lu Bu wanted to remit the wealth of the world as his military expenditure, and probably only the bank system had the ability to gather the dispersed money back and use it for him.

Once he thought of the various benefits of the bank, Lu Bu could not control his financial affinity and made a decision to open a bank by himself.

Banks were called money shops in ancient times. Lu Bu's character was Fengxian, so he took the homophonic word of his own and gave the money shop a very meaningful name, and dedicated money shop.

Lu Bu himself did not have the energy to build this money house. He thought of a good candidate, so he sent Li Heihei to invite the man to discuss with the Xiaopingjin Military Camp.

When the man entered Lu Bu's central army tent, Lu Bu stepped forward and gave a big gift: "Fengxian pays homage to his father-in-law."

The man was Lu Bu's father-in-law, Yan Mu, a great merchant from Bingzhou, with a handsome face, handsome eyebrows and beautiful beard under his jaw. He turned out to be a handsome old man with a clear face and a long figure, but he did not have the temperament of a merchant.

Originally, Lu Bu did not respect much of this business father-in-law, but after experiencing the baptism of the later era of heavy business, he now respects this father-in-law very much, because many good business ideas in Lu Bu's mind must be realized through this father-in-law, and this father-in-law has some methods in business operations that are worthy of admiration for Lu Bu.

After hearing Lu Bu's plan for the money shop, Yan Mu was overjoyed and patted Lu Bu on the shoulder and smiled, "Fengxian, you are definitely a descendant of Qin Prime Minister Lu Buwei, otherwise how could he be so business-minded? Why didn't I expect such a good business?"

Lu Bu and Yan Mu took an hour to discuss a complete plan.

Lu Bu looked at the water leak (Note 1), it was already the fourth update, and he would go to Chongde Hall to pay a morning visit later.

Lu Bu quickly ordered people to call all the generals to the Central Army tent and discuss the money house with them.

After a night of trouble, no one slept much. As soon as he received the huge reward, everyone was very excited and could no longer sleep. So when Lu Bu asked someone to call him, they soon arrived at the Central Army tent.

It turned out that Lu Bu hated the kneeling etiquette of the scholars and officials in this era, because he lived in Jiuyuan County, where there were many Hu people such as the Xiongnu, Xianbei, Qiang, etc., and a foldable seat was popular there. The Han people called it Hu bed (Note 2) or cross chair. This cross chair can be folded and carried and stored very conveniently. They are not only used indoors, but also carried when going out, especially when you can sit down and rest during marches.

In the following eras, royal nobles or officials and gentry went out for outdoor parades and hunting, and they all brought such chairs so that the owner could sit down and rest anytime and anywhere. The chair became a symbol of status, so there is a saying in China that the "first chair" represents the leader.

It turned out that Lu Bu asked the Hu craftsmen to make dozens of chairs for him and put them in the tent. Whenever the generals came to discuss matters, they would sit on the chair instead of kneeling.

A table was placed among everyone, and Yan Mu used a pen on a piece of Caihou paper to describe a very beautiful vision: the dedication bank, with the reputation of Lu Bu and the Bingzhou Army and hundreds of thousands of kilograms of gold as a guarantee, all classes in society can deposit money into the dedication bank, and deposit one thousandth of interest in the last month, and deposit one percent of interest in the last year, and the interest is increasing year by year, and the interest will increase year by year, and the interest will be ten percent of interest in the last five years.

In the Eastern Han Dynasty, except for those rich and wealthy merchants, ordinary people had no idea of ​​financial management. Everyone had money in their hands, and one money was one money. There was never money to make money. The concept of money being able to increase value. After listening to Lu Bu's detailed explanation of the concepts of deposits, interest, etc., they all expressed their willingness to deposit money into the dedication bank.

Gao Shun thought for a while and found something wrong. He asked: "The money we deposited is only a little bit, and we can withdraw more in the future. The money in the bank will only be less and less, and in the end, all of it will be empty. I want to know how the bank itself makes money, otherwise our money will not last long."

Yan Mu did not mind Gao Shun's rudeness. According to the plan formulated by Lu Bu, he slowly said: "The dedication bank lends to all classes of society, ranging from one hundred to one million yuan, but they must have corresponding mortgages. There are certain credit exemptions at the level of literati and doctors. The loan is 20,000% interest per month, and the loan is 20% interest per year, and the interest is 20% interest per year.

Lu Bu explained in detail the concepts of lending, lending, mortgage, credit, etc. Yan Mu admired Lu Bu's mind the more he listened, and then he wrote down all the golden words Lu Bu one by one.

Wei Xu was a wealthy fan. After hearing what Yan Mu and Lu Bu said, he understood that dedicating money houses can not only ensure that they live without losses, but also make profits. However, he couldn't understand a question, so he asked Yan Mu: "Uncle, I want to ask, what should I do if everyone doesn't borrow from your money house and you can't lend a loan?"

Yan Mu was suddenly asked, and asked Lu Bu for help. Lu Bu smiled slightly and answered: "Our loans were issued to everyone under the rule of the Han Dynasty, including merchants, soldiers, literati, landlords, rich peasants, even poor peasants, tenants, and slaves, but the amount was different. Merchants needed funds to expand their business, and the money house welcomed him to come and borrow. When his business was developed, he would use profits to repay the loan and interest. If the money house collapsed, the original mortgage would be confiscated and the money house would never lose money. Soldiers needed money to replace their households, so let's take a loan. If they had won the battle, there would be bounty and military pay to repay the loan and interest. If they were defeated or died, there would be pensions and mortgaged items. The money house would not lose money. As for those who had no land and wanted to do small business, our money house would open the door for them."

Gao Shun raised his hand and asked, "As far as I know, most of the wealthy and wealthy businessmen of major families are lending money. The children of middle-class families are working for them, running like servants, and they are all as rich as kings and princes. After hearing what the lord said, I suddenly remembered that lending is like lending money, but the lord's loan interest is much lower than those guys."

When Lu Bu heard this, he was greatly hit. He thought his creativity was the first to set the world. Unexpectedly, the Eastern Han Dynasty had already had similar commercial activities.

Seeing that Lu Bu was a little embarrassed, Yan Mu spoke out for him and said, "To be honest, Yan Mu's original business also included borrowing, but the interest rate was lower than that of other merchants, so the people of Bingzhou borrowed from me. But I just used my money to lend, and the profit was limited. Fengxian's money shop was determined to use the world's wealth for us. If you have money to get the deposits, the loan interest was low. I am afraid that everyone in the world would use the money shop and would not pay attention to the aristocratic merchants who put high interest debts. I am just worried that those aristocratic families would oppose Fengxian's move for this."

Lu Bu was also a little worried that those aristocratic families who said they were benevolent and righteous, actually did some greedy and profit-seeking things to attack them, but since they were determined to open a money shop to reap the wealth of the world, they were not afraid of those bastards who should have died, so they said fiercely: "Everyone, please relax. I will ask the Queen Mother to set up a state-owned money shop. Other high-interest loans are illegal. If there is any blatant confrontation with the money shop, the national law will be dealt with."

—————————————————————————————

Note 1: Water leakage, an ancient timer, which contains water in a copper pot. There is an arrow with a degree of degree in a moment. There is a small hole at the bottom of the pot. The water leakage is leaking under the water. The change of degree is measured by the change of degree. "The Book of Songs·Qifeng·Dongfang Weiming" "Qihushi", Kong Yingda of the Tang Dynasty: "The pot is a water storage vessel. The master of the world carries the pot of water to be leaked... It is called putting it in a quiver pot, carving it as a joint and floating on the water, so that the water leaks and carving it down to record the degree of day and night and brightness."

Note 2: "Taiping Yulan·Fengsu Tong": "Emperor Ling likes Hu Bed". "New Words of the World·Zi Xin": "Yuan (Dai Yuan) was on the shore and was directed by Hu Bed, and they were all right." "Yan Fanlu": "Today's Jiao Bed, the original name was Hu Bed, and it was originally named Hu Bed. Huan Yi got off the horse and took the flute with Hu Bed. The Sui Dynasty used the prophecy to be Hu, and changed it to Jiao Bed." Tao Ju's "Qing Yilu·Fathering Gate": "Hu Bed is turned and opened to join the feet, and penetrated the stool belt to sit, and turned and shrank for a moment, weighing not a few pounds."
Chapter completed!