For me, it is still very challenging to formulate a bank management method based on exchange business. Different from the fearless people who had only a little knowledge and ignorance in the agricultural system at that time, I really understand the operation of the bank and I don’t dare to do whatever I want.

.

System, if the previous banking industry is regarded as a complete system as a reference, the remittance business is just a component of it. It is not difficult to say that it is only a business for small and medium-sized customers and is not suitable for large-scale trade.

Flexible and changeable payment methods in transactions. This involves the business of cash draft or transfer check. It is still the same principle, but the meaning is profound and the two cannot be confused.

I need some data, I need to have a complete survey on market currency circulation, I need to let the government understand the importance of new accounting methods, I need to develop different systems for different jobs, and separate money and accounts at the grassroots level.

Supervision and review of accountants and cashiers is a must. The senior management should limit their management authority and provide sufficient supervision processes to review the distribution of rights and business functions of staff at different levels. Oh my god...I fell into it.

"Husband, aren't you still asleep?" It was late at night, and my expression on the kang table was very strange. Ying got up twice in a row, but the two girls stayed up all the time, stretching out their feet from under the quilt to poke me.

"I have a small problem," he put down his pen, turned around and smiled at Ying, gently pushed Ying back into bed, and pinched her little nose, "Go to sleep, don't worry, I'll help you plan a system."

Ying nodded, stretched out her arms and put them around my neck. The hot fragrance brought out from the quilt made her whole body feel comfortable, and waves of fatigue came over her. She whispered in my ear: "Don't be too tired.

Why don't I sleep here, and we'll talk about it tomorrow."

Nodding, he took off his clothes and crawled in. The moment the lights were turned off, the two women's slippery bodies moved closer to each other. They were still breathing evenly and looked like they were sleeping soundly.

"What's the problem? If there's any difficulty, please tell me. Although I can't help you solve it, I can still help you feel more confident." Ying pressed close to her and gently untied her undergarment and pulled my hand to press on her lower abdomen.

It was flat, warm, and smooth. He bit my ear and stirred up the hot air. He murmured: "How about...if you change your mind, maybe your mind will open up."

Change your mentality. This is the only point of a man's worth. He can't listen to this. Even if the wall collapses outside, he has to change his mentality at any time. Especially... especially I haven't changed my mentality in several days.

Ying's personal feeling is different from before. The exquisiteness after becoming a mother is irresistible. She doesn't have to be overwhelming and majestic. She feels like a hot spring flowing beside her. Feel the slow water flowing around her fingers.

It goes along the palms and wrists and spreads over the whole

The body gradually floats on its own; it rises and falls with a slow rhythm. There is no ups and downs when climbing over mountains and ridges. Occasionally, a small drop is evocative. The water temperature gradually increases, becomes hot, and is slowly wrapped by the heat flow.

Tighter and tighter, suffocating...

Sweat, comfort, tranquility. The sensory functions are gradually restored. There is a silk scarf gently wiping on the forehead, it is the second woman, gently brushing it away, like the feeling of sweat flowing.

He pinched the two women's chins and kissed them on the lips, "Phantom swimming?"

Laughter came to her ears, and Ying turned over on the side and groaned deeply. "Is your husband too excited?"

What are you thinking about? I had long forgotten about the bank. I lay down and took a few deep breaths. My whole body felt smooth.

Or it can be simpler. In this era, there is no need for such a complicated concept to maintain a bank. Try to streamline it, but it is linked to each other. It is inappropriate and incomplete to remove anything. It has been three days, and there is no rough framework.

I came down feeling helpless.

"Practice calligraphy?" Lanling took my dense manuscript paper and looked at it confusedly, "I don't know what I wrote."

"I don't know either," he spread his hands and gave an embarrassed smile.

"Then who did you show these things to?" Lan Ling chuckled and kissed me on the cheek, "I know you put your thoughts into it, do you think I'm the teacher checking your homework? The state of mind of a child."

"It's a bit difficult," I said with embarrassment when Lan Ling said it. Indeed, it was a bit like the feeling of handing in homework when I was a child, which made me feel weird. "I have to think about it carefully for a while."

"You." Lan Ling stood up and poured me a bowl of tea, "It seems that you are really knowledgeable this time. It's rare that you become hesitant when you are handed a matter that you are knowledgeable about."

"How do you know?" Lan Ling's words struck a chord in his heart. Could it be that she could read minds...

"I have known who you are for a long time. When you started studying agriculture, you talked boastfully and fearlessly, as if you had everything under control. But from the beginning of this bank matter, you carefully told me all the influences on it.

When you mentioned that there must be rules to restrict when necessary, I felt that you were different from before. Although I don’t know why you were so cautious, you sounded at ease and not as impetuous as before.

He looks like an expert." Lan Ling folded the drafts I took and put them away. He smiled and said, "Everyone is like this, and so am I. When a child learns to walk, he should be supported and he should be allowed to fall.

Sometimes you have to stumble. Just like when I was doing business, I stumbled over the right and the wrong, but I became stronger. The more proficient you are, the more afraid you are of making mistakes in the process, but if you don’t make mistakes, the less everyone understands them.

reason."

"You can't do it knowingly. I'm trying to help you avoid detours." He said this, but he still felt a little uncomfortable.

"If you know it well, you won't care about committing the crime, but how can you know it if you don't commit the crime?" Lanling took a few pages of manuscript paper from the desk and handed them to me, "Look. You, a professional, have a system, and I, a semi-confused person, have a system.

System, please advise."

Lan Ling was not idle either, and created a framework based on the situation I roughly described to her. In my eyes, it was so simple that it was not even a framework, it was just an operating method full of loopholes. I threw it aside, "

This is not okay, even the basic safety system is not perfect. If you operate it the way you do, if I work as a bookkeeper in it, I can easily rob the government.

"Oh?" Lan Ling smiled, "As you say, let me see how you get the money out."

"Our conditions are insufficient. The biggest flaw is that no matter when we check the accounts, there are always unsettled bills of exchange on the road. Once the operation starts, no matter how comprehensive the general ledger is, the current accounts of the detailed accounts will never be balanced." Hua said.

Zhang

He professionally demonstrated the fraud methods used by bank liquidators in the past, "For example, I am now the shopkeeper in Hangzhou, and a customer here has deposited 10,000 yuan and plans to withdraw it in the capital. I opened it for him according to normal procedures.

draft

, but I suppressed this money order and did not enter it into the account. Does it mean that I now have 10,000 guan in cash that I can use? The big ledger and the cash account are both flat. No one can find out, which means that this 10,000 guan

I can use it all the way to the capital.

Before anyone comes over to reconcile the accounts, I may have already pressed seven or eight such bills during this process. I just need to make up for it before the reconciliation. After the accounts are reconciled, I will do this again and use the money from the bank again and again.

Come and do business without capital."

Lan Ling nodded in admiration after listening to my fraud process and asked: "Are you sure that the shopkeepers I choose are as bad as you?"

He curled his lips and asked: "Are you sure that the shopkeeper you choose will not become as bad as me?"

Lan Ling smiled. "Is there any way to stop it?"

"No," he shook his head. There was no way to stop it after a thousand years. In this era, there was no normal means of communication, and it was even more impossible to stop it.

"If not, then don't be so alarmist." Lan Ling smiled easily. "How do you say it? In fact, you are just like telling me about these systems. You just live by the laws. You never take into account human nature and the human heart.

, it’s like this vast world is full of bad guys. You live among bad guys and use laws to protect yourself.

Self. Think about it from another angle, what if everyone is not as bad as you think? Why are you always thinking about how to take advantage of loopholes? According to your thinking, except for corrupt officials in the court, the soldiers can mutiny and rebel at any time, and the good people can rebel at any time.

They became unruly people, jails were built in Dali Temple, and countless people were beheaded in the West Market every day. What is this scene?"

Well, it's a very familiar scene. Except for the mutiny and rebellion of the soldiers, all other scenes can be linked to my previous life. "Haha..." pointed at Lan Ling, "That's so interesting. Yes, this is it.

It seems, so we need to improve various legal systems. Last time I went to Dali Temple, I felt that there were too few prisons there. It was not as grand a scene as I remembered."

The prison I visited before was very grand and grand. The 1,800-year-old prison was considered a miniature one. The large number of reform-through-labor prisoners can form a pillar industry. There are fertilizer factories, bread factories, and chemical plants. Who can do it when there are so many prisoners in this era?

They traveled all the way to foreign countries to seize labor force, and they spent so much money on Longyou that they couldn't use up all the labor.

"Okay, I won't talk nonsense to you." Lan Ling patted his draft and said, "That's it, you help me perfect it as much as possible and then we start work. You will gradually help plan the rest of the system. You don't have to worry about eating a fat man in one bite. In fact,

Even if the Minister of Household Affairs borrows money from the inner government, it won't matter. I figured it out, and it might be a good thing for the country." He patted me on the shoulder and said, "The inner government hired you to be the chief shopkeeper!"

"It's not appropriate, don't come here."

"What if there is an official position?" Lan Ling smiled, "Stupid."

"What official position? You opened a bank and got an official position?" This is interesting and fresh to hear.

"Didn't you ask for the supervision of the imperial court? Since the bank is opened by the inner government to make it convenient for everyone, it is not a bad thing to have an important official from the imperial court to supervise. After discussion, one you and one Li Yifu are most suitable." Lan Ling said.

He smiled proudly, happily, and held his stomach for a long time before stopping. "You two are both important officials of the imperial court..."

"I'm not!" That's the end of the important position, and it's time for me to serve the country loyally.

"You are," Lan Ling shook his finger and smiled charmingly, "You are a hand-picked candidate. Who among the high-ranking lieutenants would dare to say that you are not an important member?"

"Attache, eldest sister. Do you understand that military attachés do not participate in politics and that military and political affairs are separated?"

"Separation of military and political affairs..." Lan Ling rolled his eyes and said with a smile: "Who said you were allowed to participate in politics? The bank is not participating in politics. It is a kind act by the royal family to facilitate the great events of Li and Tang Dynasties. Don't confuse it with others."

"We've done good deeds, so why do we need to supervise? It's self-contradictory."

"Well, this is enough to give the court face. Doesn't it mean that the inner government is greedy? Then let them see if the inner government is as bad as those people say. There are really shameful places where officials dare to come down.

Supervisor? If you are upright, you are not afraid of a slanting shadow."

"Bullshit, look at the two people you chose from the Li family. Are you embarrassed to say this? Why don't you ask Liu Rengui to supervise you? It would be weird if you don't supervise me to death!" It's so irritating. I'm already so angry that I have a stomachache.

The two Li Yifu brothers are really destined to be together. It was just a pretentious show by the royal family. They were both chosen. "What do you think? How did you come up with this idea? Do you know the consequences?"

"I didn't even understand what I said," Lan Ling glanced at me sideways, "It's not like we're asking you to supervise the internal government, it's just to supervise the bank. No matter how generous the Li family is, they won't let the court supervise their own backyard, just the bank.

, you can try to supervise the inner government, is it enough?"

"This singing place and that one? Can't get along with money?"

"Use your brain." Lan Ling poked my finger bitterly, "The benefits you calculated for me last time are scary to death. In the future, if the government builds a bank, can other companies follow suit? You can do it too.

He also got up, and everything was messed up and completely ruined, without a decree. Now appointing two people to supervise it is just a formality.

But after all, it was the imperial court that got involved, carefully formulated a threshold, and summed up a set of supervision methods. Let the bank run better and better, and not make it worse. Let me tell you clearly, even if the bank in the inner government is at fault

, do whatever you need to do, and punish me if you need to. If you don’t tolerate my face, I will establish my authority by acting like a baby."

Nodding, this is a long-term plan. Similar to a financial regulatory department, the Li family has realized the importance of this. This is not a policy formulated for the internal government, but a plan to prepare for the sound development of the financial industry in the future.

measure.

The selection and arrangement of the candidates was interesting, and two greenhorns were appointed to lead the supervisory department. Now this position has not officially reached the administrative level, so it doesn't matter who takes it. It seems that Lao Li is very lucky, and finally got a part-time job to further deal with the internal government.

It seems I have to take up this title.
To be continued...