I was really overwhelmed today... Li You smiled bitterly again, "You already know about this business opportunity. You can do it yourself. Why do you need me? You have urged me to do something again and again. Your ability is more than enough. "
Princess Guide sneered and said, "You don't have to provoke me, I'm not stupid enough to leave you alone."
She has seen very clearly that any new thing that comes up will be 90% destroyed by the wind and rain. Of course, a new thing like a bank account that can be used to cash payments in different places has a huge possibility of failure.
If you want to achieve great things, you must reuse talents and know how to use them. So in this matter, she was very smart and wanted to rely on Li You, rather than trying to completely get rid of Li You and go it alone. She knew very well that that was a short-sighted and stupid behavior.
Given Li You's character, since he dared to raise this matter, he must have a mature idea in mind, not to mention that Li You is often more knowledgeable than others in this regard.
So what if she already knows the idea? If she completely ditches Li You and goes it alone, it's technically feasible, but it probably won't be as good as Li You, so the best choice is to join forces with Li You.
What's more, Li You also has an important role that is difficult to replace, which is his southern background.
The core of the new bank account business is the exchange of cash in different places and the universal use of banknotes. This must first be carried out between places that are most needed and far away from each other.
The first choice in the north is naturally the capital city, while the first choice in the south is Nanjing, Yangzhou, Suzhou and other important towns two thousand miles away, especially Yangzhou, which has the largest regional advantage, and Suzhou, which has the largest economic aggregate. It can be said that new bank accounts cannot be opened in Suzhou and Yangzhou This pair of Jiangzuo twins only worked around the capital, which was no different from traditional banks in the past.
The value of Li You is that he has both Yangzhou and Suzhou backgrounds. The bank wants to gain a foothold in the south. Li You is an indispensable participant.
Even if you want to find another similar candidate, it is difficult to find a suitable one. Who else can have the father-in-law like Yangzhou Jin Wanwan and the connections and foundation in Suzhou Prefecture?
Therefore, Li You is indispensable in every aspect. The eldest princess is naturally not a short-sighted person. Taking advantage of Li You's weak period to fight for more control does not mean that she excludes Li You.
In order to eliminate the grudge in her lover's heart, she also made it clear that she would pass the bank number to Xiao Liu'er in the future. No matter how heartless a person was, she would not cheat her son casually. She felt that she had the best intentions and the most benevolent...
Without further ado, Guide Chitose urged the sad face, "Stop hiding it reluctantly. What do you think we should do next?"
"What else can we do? First open a bank in the capital and deal in money." Li You said casually.
"It's that simple?"
"What else?"
"If you don't tell the truth, don't leave this door today!"
Li You sighed. "What do you think is the most important foundation for opening a bank account?"
"If you have something to say, just say it and I will listen. Don't hesitate."
"The most important thing is of course credit. Only if people can trust you, this bank account can continue to be opened. If you can't trust people, who will give you money for no reason? Who will use the waste paper banknotes you issue? Even close relatives will not Yes. So what the new bank lacks most is not capital, but credit. According to my opinion, if this new bank wants to grow quickly, it can only borrow credit first. That’s why I value Lu’s time-honored account so much. , it seems to be called Xiangchang Account Bureau?"
"You mean to swallow up the account and then build a foundation with the time-honored brand name?" Princess Guide asked eagerly, with several ways of taking advantage of her by force flashing through her mind.
Li You had no choice but to correct His Highness Chitose's bad thoughts. As a vested interest who has accumulated a lot of wealth and power, she really does not need to engage in capital accumulation with original sin at present, and it is not really a waste of capital. Bankers are not landlords, nor are they
Factory owner, you kill people without blood.
Bian Dundun taught: "This is a long-term business that will shape the world. It's not a one-time deal, let alone a robber! If you want a long-term solution, don't show the face of embezzling people's land, otherwise you won't be able to open a bank account.
Who is willing to believe in the credit of a robber? How can you force people in the world to put their money in bank accounts, and force people in the world to use the banknotes you write?"
The eldest princess said thoughtfully: "I understand, what you mean is not to be a robber, but to be a liar based on what others believe."
This understanding is really high. Li You praised it and continued: "Let's think so. In fact, the method is very simple. If you have subdued the Lu family, you can ask the Xiangchang Accounting Bureau to announce to the whole city that you are willing to be the new bank account
Providing all guarantees, Xiangchang Account Bureau can recognize and honor all banknotes issued by the new bank. Wouldn't it be much simpler, and it would be easy to borrow the credit of an old brand."
"Once we have a credit foundation, the next step is promotion. This is also simple. From the day of its establishment, it has made a statement that it will realize north-south exchanges within one year, which is naturally eye-catching. Presumably no bank in the capital can guarantee this at this time."
Guide Chitose asked: "What's the use of just attracting attention? What can I do if it's popular but not popular?"
"Then let's find a way to attract crowds! To be honest, the capital is too far away from the south of the Yangtze River, but there is a lot of money exchange between the two places. From officials to scholars, merchants, there are many people who have a need for the currency of banknotes, and they are afraid of banks.
Can't attract customers? All it lacks is the means to attract customers."
"At the beginning of the opening, a notice was posted that all fees would be waived for depositing the banknotes for three months, and there would be no fees for cashing in the south in the future; but after three months, only half of the fees would be charged for one year; and after one year, everything would be as usual
, the discount will be expired and there will be no waiting. There must be people who are not in a hurry to use cash and are willing to come early to handle it.”
"Actually, it doesn't cost much. All you do is rely on credit to make money by buying and selling. As long as you have credit support, you can even trade without capital. You can also use other people's savings to lend money and earn interest. Doubling your worth will not be a problem!"
Has the value doubled... Princess Guide lowered her head and thought about what Li You said.
Just as Li You was about to continue explaining in detail, an eunuch suddenly announced loudly outside the door, "The auspicious time has come. Please come out to see the guests." This interrupted the secret conversation between the two people in the room.
Li You had no choice but to withdraw first, and then a group of palace maids rushed in with bronze mirrors, makeup boxes and other items to help Princess Guide organize the decorations.
When I came out to the outer hall, I saw Mrs. Liu and Aunt Jin gathering together and whispering. They did not get together with her other ladies, which was normal. However, only Mei Zhi was waiting nearby, and the other maid, Xiao Zhu, had disappeared somewhere.
.
Li You walked up and asked, "Where did Xiaozhu go?"
Mei Zhi tilted her head and tapped the outside with her chin, "Somehow, I struck up a conversation with someone."
Li You curiously looked at the door and saw Xiaozhu and a middle-aged man standing in a deserted corner opposite, talking. When the middle-aged man walked away, Xiaozhu turned around and suddenly saw the old man staring at her with a half-smile.
, the little man was startled, and subconsciously patted his chest.
"Who is that?" Mr. Li asked interrogatively.
Xiaozhu timidly said: "He is the eldest follower of the Lu family. He heard that someone in the family was imprisoned by the master, so he came over to plead for mercy. This annoyed the ladies a lot, and it would not look good to outsiders if they entangled him. So the slave family led him to
Talk over there.”
"Then what did you say?" Li You asked with interest.
"Seeing how pitiful he was, the Nu family agreed to plead for him and got five taels of silver..." Xiaozhu turned his back to others and secretly stretched out his hand, and on his palm was a small ingot of five taels.
Li You let out a long sigh and said, "It's been three and a half years, and you've disappointed me so much. You really haven't made any progress!"
Xiaozhu turned around in panic, "The slave family is going back."
Li You scolded: "Stop! You still don't know where you haven't improved? Master, is my face worth only five taels of silver? With the financial resources of the Lu family, if you want to help deliver the message, you have to charge him ten taels or five taels."
Two is ruining the market! How do you ask Zhang Three to collect door-to-door money in the future, and how do you ask your brother to collect printing money?"
Xiao Zhuxuan was about to cry and said aggrievedly: "Master, please calm down, I know I was wrong. If you blow the pillow wind, I can take ten taels, but the slave family really can't blow the master's pillow wind, so I can only give you ordinary words, and I will collect five taels, which is quite a lot."
Okay. If it were Sister Mei Zhi, it would be natural to receive ten taels..."
This complaint was too powerful. It was so powerful that Mr. Li was speechless. The sharp-toothed stunt failed for the second time today. It must be said that women are born with the aura of restraining men's talkative skills. After a while, he said: "How many days will it take?"
It will double your worth!"
Around the same time, the early court meeting at the Huangji Gate in the palace had already dispersed, and the emperor summoned the important ministers to discuss the matter at the Wenhua Hall.
After "progressing when there is something to report, but leaving when there is nothing to do", Chang Shilang of the Ministry of Punishment often came out with a sad face. In the eyes of all the ministers, they could guess what he was going to report.
Sure enough, I heard Master Chang report to Jinghe Emperor: "I was ordered yesterday to investigate the matter of hearing the drum, and I found out in the afternoon. The seven cases of hearing the drum from the 11th to the 17th were all caused by someone behind the scenes.
Instruction."
Jinghe and Emperor Shengyin asked, "Who is it?"
All the ministers in the palace pricked up their ears and listened carefully. Chang Shilang struggled for a long time, which made everyone almost lose their patience, and then he confided: "All the drummers are self-acclaimed and under the orders of the eunuch in charge of Princess Guide's house.
…”
The palace was filled with uproar. It was not surprising that any courtier was involved in this matter, but I did not expect that it would be related to Princess Guide. What was the point of her wading into such troubled waters?
Most people were puzzled, but there were a few smart people who could guess some of the truth about Deng Wengu. At this time, they secretly glanced at Mr. Peng Ge, and sure enough, his face was extremely ugly. Trying to figure out his mood, it would be hard to guess.
Dating is like stepping into a mud puddle, and it will be a lot of fun now that the eldest princess is involved.
Chang Shilang felt even more bitter. Yesterday, at the suggestion of Mr. Peng Ge, he had to take the initiative to investigate and trace the instigator of the Deng Wengu case. At that time, he could only console himself as making up for his mistakes. Who would have thought that it only took half a day to investigate?
Give birth to the emperor’s eldest sister!
Everyone in the court knew that Princess Guide was no ordinary princess. In the fictional world, she could be compared to the Eight Wise Kings of the Song Dynasty.
Is there anyone more unlucky than him during this period? Yesterday, he was reprimanded by the emperor as "useless", and then he immediately found out the fault of the eldest princess. No matter how you look at it, it seems that you are deliberately going against the emperor. I wonder what the emperor will think...
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