Lu Xuan chuckled lightly, looking relaxed and calm, and said: "Brother's worries are even more worrying. Things can be solved better."
Mi Zhu said solemnly: "Please tell me, sir."
Lu Xuan replied: "The production of money orders is very critical. First, the money orders are made of different paper, our special paper. In fact, even if it is ordinary white paper, there is no problem."
"Second, a bill of exchange has a front and a back."
"On the front of the money order, the reason is written clearly. For example, so-and-so remits one million yuan to our bill number using a certain number."
"This is a general introduction."
"The reverse side of the money order is a special secret word. The choice of the secret word depends on our own arrangements. For example, we use the former Yin Fu Jing as the secret word for verification. Or we create our own secret word. Only
We just found out.”
"Third, the seal on the money order includes the seal of the person handling it and the seal of the local bill number. The seal is separate and has certain anti-counterfeiting marks."
"Whether it's paper, a seal, or a coded word, it's all key."
Lu Xuan said: "Finally, after the bill is issued, a letter must be sent immediately to the place where the bill needs to be redeemed, informing the other party when a certain person wants to redeem the money, so as to facilitate preparation. Multiple protections are basically not necessary.
Something could go wrong."
After Mi Zhu heard this, his expression became even more admiring, and he praised: "My lord, I admire your wonderful ideas."
He became even more excited.
As a businessman, he also hopes to follow an orthodox official career. However, compared to Lu Xuan's civil servants and generals, he is far behind. He is not good at governing the place, nor is he good at leading troops to fight.
Now that she is working for Lu Xuan and engaged in business, Mi Zhu is even more happy.
The ticket number mentioned by Lu Xuan is an opportunity.
Many thoughts came to Mi Zhu's mind, and he quickly said: "My lord, the establishment of a bank account is very necessary. Moreover, I believe that the operation of the bank account should not be limited to exchange, but should have a wider scope."
Lu Xuan looked expectantly in his eyes and asked, "Brother, what do you think?"
Mi Zhu sat up straight and said quickly: "The exchange of banknotes is unprecedented, and it is a great initiative of the lord. However, the operation of the banknotes can take over some areas of the pawn shop. For example, it can accept pawns from people and lend money out.
.In this way, the ticket account business will be more extensive."
Lu Xuan's eyes showed a look of approval.
Mi Zhu deserves to be a businessman.
Have some vision.
When it comes to business, my brain is indeed more flexible and knows how to expand.
Lu Xuan looked encouraging and said: "Brother's consideration is indeed good, but the pattern is a bit smaller."
Mi Zhu said: "Please give me some advice, my lord."
Lu Xuan replied: "Pawning in a pawn shop is too complicated and trivial. Because it is only a small amount of money, I don't think it is necessary to run it. We are a government-run bank, and the things involved are too trivial and prone to problems."
"Bio accounts can lend money, but the target of the loan cannot be ordinary people, but can be oriented to businessmen who need money turnover, or wealthy and powerful families. If they want to borrow money, they use land, shops, residences and other value-preserving properties to borrow money.
Mortgage lending.”
"Large amount loans are suitable for bank accounts."
"In addition, in the future, our bank account will also accept large-scale deposits from people. As long as people deposit money into the bank account, they will be given a certain amount of interest. Even if the money deposited is different and the time is different, the interest will be different."
Lu Xuan said: "These aspects of management are the future direction of the bank. It is not meaningless to stare at the crooked melons and jujubes in the pawn shop."
After listening to this, Mi Zhu felt as if he was in a state of enlightenment.
My mind was extremely shocked.
He looked at Lu Xuan and was even more amazed, and said with emotion: "The loans mentioned by my lord are specifically for lending money to powerful families and businessmen. It is indeed exquisite. We already have money, and we can make further money by operating these loans.
"
At this point, Mi Zhu paused and continued: "But my lord accepts people's savings, keeps money for people, and also gives money. I don't understand how to make money in this humble position?"
Lu Xuan looked at Mi Zhu's eagerness for knowledge, and his eyes were full of joy.
Compared to Mi Fang, Mi Zhu is more professional.
Moreover, Mi Zhu's mind is even brighter.
In the future, Mi Zhu will probably be the one to lead the economic front under Lu Xuan. Although there are people in the Zhen family who understand, Zhen Yan has gone north to return to Jizhou. Mi Zhu and Mi Fang are both working beside Lu Xuan, and Mi Zhu understands the situation better.
Lu Xuan patiently explained, "Accepting people's savings and paying a small amount of interest actually has many benefits. Let me just give you some examples."
Mi Zhu looked at Lu Xuan expectantly.
His expression was like that of a scholar seeking knowledge, his eyes filled with a strong desire for knowledge.
Lu Xuan said unhurriedly: "First, our bank is engaged in the business of lending. When people save money, they pay interest. But the money we get is loaned out in the blink of an eye. What we borrowed
The interest is much higher than the interest that people get, and this is making money."
The pupils in Mi Zhu's eyes shrank.
Very shocked.
He didn't expect that there was such a method. This was simply a waste of time.
This is where money begets money.
This is the most brilliant method.
Mi Zhu was numb with shock. She was shocked by Lu Xuan's methods and said with emotion: "My lord's arrangement is really brilliant. I have never heard of it or seen it before. Using people's money to make people's money is the master of my business."
Lu Xuan smiled in his heart.
What is this?
The financial methods of later generations are a model for cutting leeks. They seem to give you high interest rates, but in fact, they make you lose all your money.
These are legal operations with basic compliance.
Lu Xuan continued: "Second, many people will not use the money deposited in the bank account. Those who actually withdraw money from time to time are only a few, and the money flowing in the bank account is enough to cope with it."
"The number of people depositing money in the bank account means that the government has enough money."
"Once I want to go on a foreign expedition and I am short of money, I can use the money from the ticket number and make up for it later. Of course, this is almost impossible to happen, and it is a key measure that is only taken in extreme situations."
"Third, the bank account also accepts merchants and wealthy people from other states in Yanzhou and Jizhou to deposit money. Our area is stable and the business is prosperous. They come to do business, etc., and the money is constantly deposited into our bank account, which invisibly favors us.
"
"This can also be exploited."
"Actually, there are various means. In short, the establishment of the ticket account will be of great help to us in the future. Our campaign has always been a direct fight on the battlefield. After the ticket account is established, the future battles will be
Now we have a starting point from the business perspective.”
Lu Xuan's eyes flashed with light, and he said loudly: "In the future, this is a means for us to fight economic war with Cao Cao, Yuan Shao and the others. We will deal with our enemies in terms of money, food and other aspects."
hiss!
Mi Zhu even gasped.
Just now he thought that Lu Xuan's idea of running a ticket account was a fantastic idea. Unexpectedly, it had already escalated to a war between two parties.
This is amazing.
It can be called a magical method.
Lu Xuan looked at the shocked Mi Zhu, smiled slightly, and asked: "Brother, the manager of the ticket account must understand business and must be my close confidant. You are the most suitable candidate. Are you willing to take charge of the ticket account?"
