Zhu Yan is a student majoring in economics and management at school.
The reason why he studied economics and management was because Zhu Yan had no major that he was interested in when he was in high school. He just heard that the economics and management major was easy to find a job, so he applied for this major.
It was only after he got to college that Zhu Yan learned that the employment prospects of economics and management majors had nothing to do with your college grades, or even had much to do with college. The employment prospects and career prospects of economics and management basically depended on whether your family had the resources.
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For Zhu Yan, a child of an ordinary city resident, the best opportunity to enter the financial industry is to sell insurance at an insurance company or do business at a bank counter.
From then on, Zhu Yan became even more disgusted with this major. Anyway, it was the same to learn well and learn poorly, so he might as well learn something else.
After being lucky enough to enter Datang Fengyun, Zhu Yan's goal in playing games was also very simple, that is, to exchange for test qualifications and sell them for money.
The irony is that Zhu Yan, who clearly hates economics, uses his professional skills in the game.
Relying on his professional background, Zhu Yan entered Wangfu Bank and is now the branch manager of Zhangyecheng Branch.
But Zhu Yan, who had received an education in economics, was inspired by Yang Yan and began to think about his social value as a financial person.
Zhu Yan once felt that bankers were vampires who gave out umbrellas in sunny days and took them away in rainy days. They were blood flukes clinging to modern society.
But what Yang Yan said today made Zhu Yan feel something different.
Yang Yan said: "President Jiang said that financial principles are the same as political orders. If used for good, it can benefit the people, and if used for evil, it will harm the people."
"When we came to Lingzhou, Governor Jiang asked me to bring Lingzhou into Longyou's economic system."
"After much thought, I found this is the only way. First use debt to connect the people of Lingzhou with Longyou. Only with excess commodity trade can Lingzhou be added to Longyou's market."
"Lingzhou is not Uighurs. The people of Lingzhou are also compatriots of the Tang Dynasty. Relying on economic plunder is not enough. Debts must be used to support Lingzhou's production."
Zhu Yan lowered his head in shame. In fact, he had heard many things in professional courses, but he didn't take economics seriously and did not take these principles into his heart.
Yang Yan, a local in the game, was able to understand these principles and even use them in practice, which put Zhu Yan, who was born in a major, to shame.
Yang Yan continued: "As the saying goes, if we only distribute green seedlings and disaster relief food to the people, they will naturally thank us, but what happens after thanking us? If we don't rescue the disaster next year, will they still curse us?
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Zhu Yan nodded, what Yang Yan said about human nature is indeed true.
Yang Yan continued: "The purpose of asking people to mortgage their things is to allow them to cultivate the land well in the coming year and grow food to repay their debts. Wangfu Bank does not make money, but it cannot lose money either."
Zhu Yan lowered his head in shame. It turned out that Yang Yan's every step was carefully considered.
After Yang Yan finished speaking his thoughts, he said to Zhu Yan: "But you are right. Although I don't care about my reputation, I must also take into account the reputation of His Highness the King of Yue. In the future, for the people who really can't provide collateral, I will
Let them pay the IOU."
Players stepped up their economic penetration into Lingzhou and were preparing to open a Wangfu Bank branch in Lingzhou.
At this time, in the Yingzhou City of Pinglu Town in the north, the new Pinglu Jiedushi Wang Xunzhi received good news. Shi Siming recognized his title as the Pinglu Military Jiedushi.
At the same time, Shi Siming was ready to surrender to the Tang Dynasty, and Wang Xuanzhi would also be canonized by the Tang Dynasty court and become the legitimate envoy of Pinglu.
Being able to receive double canonizations from Hedong and Datang, although Wang Xuanzhi did not believe that Shi Siming really wanted to surrender to Datang, his position as the Jiedushi of Pinglu Town was now justified.
Pang Ju, the player who went on an envoy to Fan Yang, suddenly became a popular figure around Wang Xuanzhi.
Wang Xuanzhi also rewarded according to his merits. First, he made Hou Xiyi serve as the military governor of Pinglu Army, and then rewarded the general of Pinglu Army who rebelled with him.
Then the generals who participated in the rebellion against Xu Guidao and his son were each awarded rewards. Pang Ju, who had made great contributions, suddenly became the judge of the Jiedu Envoy's Office and was informed of the important military and political affairs of the Pinglu Army.
Pang Ju was a man who could write and calculate, and he gave Wang Xuanzhi many suggestions and helped him manage the civil affairs. He soon gained Wang Xuanzhi's trust and even handed over the civil affairs of Yingzhou to him.
But today, Wang Xuanzhi hurriedly summoned Pang Ju. As soon as he met, Wang Xuanzhi took Pang Ju's hand and said, "Pang Jun, help me!"
Although Wang Xuanzhi was a martial artist, he could win people's hearts, otherwise there wouldn't be so many people following him when he overthrew Xu Guidao.
After he killed Xu Guidao and his son, he recuperated in Pinglu and used the money of Xu Guidao and his son to reward the soldiers. Now Pinglu is living a stable life.
This was the first time that Pang Ju saw Wang Xuanzhi lose his temper like this. After Wang Xuanzhi pulled him to sit down, the new Pinglu Army Jiedu said anxiously:
"In a few days it will be time to distribute the charcoal money, but now the treasury is empty, what should we do?"
It turned out that it was about money, and Pang Ju now understood why Wang Xuanzhi was so worried.
In addition to their monthly salary, soldiers in Hedong Military Town also received rewards before and after each battle.
For example, the rewards given to rebel soldiers were money to reward them for following Wang Xuanzhi's rebellion.
In addition to these money, there are also ice money and charcoal money every summer and winter.
As the name suggests, charcoal money is money given to soldiers to sell charcoal during the winter, while ice money is a subsidy given to soldiers to prevent heatstroke and cool down.
These two sums of money have been distributed since An Lushan served as the governor of the three towns. They are considered special benefits for the three towns in the north.
When Wang Xuanzhi distributed the reward money before, he had already confiscated the wealth of Xu Guidao and his son.
When Hou Xiyi came today and asked for charcoal money, Wang Xuanzhi became worried and hurriedly summoned the resourceful Pang Ju.
It turned out to be a money issue.
Pang Ju breathed a sigh of relief. If it was a money problem, it would be easy to handle.
However, Pang Ju did not agree immediately, but said to Wang Xuanzhi:
"Jie Shuai, my subordinates have an idea. I don't know if it will work. Please give me a few more days, Commander Jie."
Wang Xuanzhi was also desperate. He relied on coups to make his fortune, and the two coups meant that his foundation was unstable.
The soldiers in Lulong Town were unruly and relied on rewards to win over people's hearts.
This year's heavy snowfall in the north, if the charcoal money can no longer be distributed, I'm afraid these soldiers will really start a riot.
When Pang Ju said there was a way, Wang Xuanzhi immediately said: "If Mr. Pang can help me survive this disaster, I will immediately promote you to the position of Governor of the Jiedushi Prefecture! If you have any other requests, just put them forward, and I will definitely satisfy you."
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Pang Ju didn't sit down and raise the price, but said: "It won't be too late for Commander Jie to reward you when the job is done. Let's go out of the city and find a way to solve this difficult problem of money for Commander Jie!"
Pang Ju immediately asked for the official documents and left Yingzhou City.
Wang Xuanzhi asked Pang Ju for help, but he still felt uneasy. He tried his best to sell off the valuable belongings of the Jiedushi Mansion, but still failed to collect the charcoal money of Pinglu Army.
Rumors that the new Jiedushi was unable to issue charcoal money also spread in the military camp of Pinglu Town. Wang Xuanzhi sent his cronies to comfort him, but the rumors continued to get worse.
Wang Xuanzhi even asked his family members to pack their things. If the Pinglu Army really started to cause trouble, he would immediately lead his family members southward.
After Pang Ju left Yingzhou City, he immediately contacted Fang Guoshou and Yuchixin who were stationed in Tongliao City.
After Yu Chixin heard Pang Ju's report, he felt dumbfounded.
Wang Xuanzhi, a fierce man who killed two Jiedushi envoys, turned out to be like this because he could not afford the charcoal money.
Fang Guoshou said: "During the middle and late Tang Dynasty, countless Jiedushi were killed by soldiers because they could not pay rewards or were in arrears with wages. In fact, the vassal towns in the north could not be pacified because this system was conducive to the interests of all parties in the vassal town.
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Yuchixin was strict in running the army, and Longyou improved the combat effectiveness of the army by improving the status and social security of soldiers.
When the Longyou Army was founded, the army was clearly prohibited from privately plundering and asking for rewards.
Yu Chixin really didn't understand the strange situation in the Tang vassal towns where Jiedushi were afraid of soldiers.
Fang Guoshou said: "Because of maintaining the separatist regime of vassal towns, taxes in these separatist areas do not need to be paid to the court. In addition to enjoying themselves, Jiedushi also needs to benefit the officers and soldiers under his command in order to maintain this state of separatist regime of vassal towns."
"Jiedushi bribed the soldiers, and the soldiers supported the Jiedushi. This political tacit understanding was the contractual basis for the tenacious existence of the vassal town in the middle and late Tang Dynasty."
"In the late Tang Dynasty, the imperial court even wanted to use these vassal towns. As long as they gave money, they could fight wars and do things. It was more effective than the Shence Army raised by the imperial court itself."
"The vassal system is not only a way for local governments to exert control over the central government, but also a way for grassroots officers and soldiers to exert control over military governors. Military governors can also be said to be the most dangerous profession in the entire Tang Dynasty."
Fang Guoshou said: "This time the Pinglu Army's financial crisis is a good opportunity for us to intervene in Pinglu Town!"
Yu Chixin nodded and said: "That's true, but in what capacity should we intervene? We can't say that the money was lent to Wang Xuanzhi by the King of Yue, right?"
Fang Guoshou said with a smile: "Yuchi, you have forgotten that there is a Shengguo of Haidong in the north."
"What Mr. Fang means is to lend money to Wang Xuanzhi as the Bohai State?"
Fang Guoshou nodded and said: "Whoever borrows money makes no difference to Wang Xunzhi. He needs to borrow money to tide over the difficulties. We need to use this money to infiltrate Pinglu Town. Isn't this a win-win situation?"
Yu Chixin laughed and said, "Indeed, if you win, everyone will have a bright future." This chapter has been completed!