"That's nonsense." Liu Zhang slapped the account book on the table and said angrily: "Your bank coordinates so many workshops, and almost all the money saved by official workshops and businesses is in your hands, and I allocated so much money from the Mufu.
, how is it possible that you only have a few dozen dollars? You won’t line your own pockets, right?”
"My lord, you are unjust. How dare Zhang Song commit a crime against the wind? No, no, no, no, Zhang Song would not dare to commit a crime." Zhang Song said with a bitter face.
Now he has really discovered that the bank is a leaky place, but now we are in the difficult period of Jingyi. All the government offices are focusing on money and food, and Liu Zhang is also paying close attention to it. How dare he have any wrong thoughts at this time.
"Originally there was some money in the bank, but since the reconstruction began, the craftsmen's houses and workshops have taken away all the money in order to resume production. Many businessmen and people who want to make a fortune have come to lend money to open workshops and merchants.
, I measured their mortgaged properties in accordance with the regulations, lent them the money, and increased the investment in many workshops, so now there are only dozens of dollars left, which were just deposited by the merchants."
Liu Zhang looked at Zhang Song's aggrieved face and said, "It's okay."
Liu Zhang held his forehead. It seemed that it was impossible to get money from the bank, so he asked again: "How much money do you expect the bank to be able to withdraw in October?"
"Then who can say for sure?"
"What did you say?" Liu Zhang looked at Zhang Song. Zhang Song was startled. Liu Zhang said: "How many times have I told you that you need a budget? Where is your budget?
If you, a bank boss, don't understand this, how can you manage the bank well? As I said just now, you only have a few dozen dollars left. What if all the businessmen who deposited money come to withdraw money? What if you can't withdraw the money?
Who still trusts you? Who will deposit money?"
"Aren't I investing more to increase my income? Why would there suddenly be so many people coming to withdraw money? And if it doesn't work, the Mufu government can also allocate money for turnover." Zhang Song said.
Liu Zhang pressed his forehead hard with his right hand, his expression was painful. It seemed that it was really difficult to tell these ancient people. Zhang Song was pretty good, and it was already good to be able to do this now.
"Okay, listen carefully." Liu Zhang took a breath and said, "In the future, banks must have budgets. Investments, loans, deposits, income, expected acquisitions of stranded goods, and expected sales of stranded goods must all be planned. There must be a financial report every quarter.
, otherwise you get out of here as soon as possible."
"Oh, yes." Zhang Song thought about it carefully and felt that what Liu Zhang said did make sense. If the economy suddenly goes into recession, or someone deliberately messes with the bank and spreads rumors that the bank has no money, it is really possible to attract collective action.
Withdrawal is the same as those of today's banks.
And a bigger budget is necessary. I mean, I always see money flowing from my hands, and I make a lot of money. But I am confused in my heart, and I don’t know how to manage it well.
If you have a budget, you will not only be able to manage it in an orderly manner, but you will also have a clear account in your mind.
But Zhang Song didn't understand, how did Liu Zhang know this?
Two years ago, Liu Zhang probably could do nothing but eat and drink. Two years later, he could recite poems and compose poems, lead troops in war, invent chairs and benches, mahjong and chess, let the common people criticize noble families, and manage banks.
Just talking about the Arabic numerals promoted in Shuzhong before, Zhang Song was incredulous. Such a complete calculation method was really Liu Zhang's inspiration? How clever is it?
"Okay, you can go down." Liu Zhang was a little worried and waved to Zhang Song.
Zhang Song took a step and suddenly turned around and said: "I have calculated it. It is estimated that our bank will be able to earn 30,000 yuan by the winter solstice."
"So many? How did you calculate it? Why didn't you say anything just now?" Liu Zhang raised his head and asked.
Zhang Songdao: "I have all the money for each large transaction in my mind. I also know the total amount of loose money, the funds invested in workshops and merchants, the rate of return, bank loan income, and other miscellaneous income. After two years,
, all subordinates probably know.
So I just did some mental math and figured out the approximate figure. To say that thirty thousand guan is a lot of money, it's really not much.
Lord, you don’t know that our bank is now a hot spot for merchants to attract, and almost all are divided according to the capital limit. In other words, the construction capital of a workshop is 10,000 guan, and if we invest 5,000 guan, then we don’t need to worry about anything else. Finally,
That’s 50% of the profit, it’s money that comes right to your doorstep.
As business prospered in the past two years, banks had abundant funds. Now that business is in decline, my subordinates have budgeted for this. After this year's autumn harvest, the market will definitely be better, and the income will only be higher, not lower. As business in the future
With steady development, the income should be getting higher and higher.”
Liu Zhang looked at Zhang Song in surprise. He was truly a genius from ancient times to modern times.
Although Liu Zhang's bank had many fewer functions than today's banks, it mainly had three functions: deposits and withdrawals, investment, and buying and selling of unsaleable goods.
But the accounts are also extremely complicated. Zhang Song can remember them all in his mind without a budget, and he can quickly synthesize the data and get the results by just asking himself. Such a person is simply magical.
And when Zhang Song opened his mouth, a lot of professional terms popped out. I was busy with everything, but I didn't teach him for long. I just took the time to write a simple textbook for him. It was abstract and difficult to understand, but I didn't expect that he could use it so skillfully.
The money came in so fast from the bank that Liu Zhang suddenly had an idea and said to Zhang Song: "Yongnian, do you think we can do this? Let's first lower the people's taxes and use the money from the bank to buy grain at high prices from other states and counties, and then fill in the gaps."
How about taxing grain so that people have money to buy goods, promote business prosperity, and form a good cycle?"
Zhang Song thought for a while: "That's good, but if there are too many people engaged in business, the lifeline of our food will be in the hands of others. If other princes turn their backs, it will be very bad."
"Yes." Liu Zhang sighed. No matter what era, food is the most important. If you just rely on business to make money and then buy food, you will be prosperous, but it will be vain. If others cut off the food during the war, you will be gone in an instant.
Have to collapse.
Liu Zhang thought for a while and said: "We must have our own stable grain storage, and then buy and sell grain on a small scale first, as much as we can buy. Then we can reduce or reduce taxes as appropriate. This is a way."
Liu Zhang thought of this. He found that it was really difficult to expand domestic demand. The people were busy growing grain and had little money to buy porcelain and silk art. They still had to expand external demand.
"Southwestern Silk Road." Liu Zhang read silently.
…………
Liu Zhang took his soldiers to Xicheng and inspected the workshops and merchants here in plain clothes. To open the Silk Road, the first assessment is whether it can make money after it is opened. Then you have to see what you have that can be sold.
Following Hao Sheng and Hu Che'er, Liu Zhang went to a sundry store and saw several chairs he had never seen before. He asked the boss: "Boss, are these chairs produced by Sanzi Workshop?"
There were three or two customers in the store, a thin middle-aged man was flipping through the pages on the shelf, and the boss was writing a ledger. When he heard the question, he looked up and was immediately surprised.
Although Liu Zhang was wearing common people's clothes, most of the people in Xicheng knew Liu Zhang, and with the personal guards following him, the boss immediately recognized Liu Zhang's identity.
"It turns out to be Mr. Zhou Mu. Do you want to buy a chair? These chairs are given to you for free." The boss said with a smile. At this time, the middle-aged man who was flipping through the paper twisted his expression and first glanced at the sun in the sky.
He raised his head and looked at Liu Zhang in surprise.
Liu Zhang frowned and said, "Boss, I'm just asking you. Is this chair produced by Sanzi Workshop?"
"Oh, some are. Some are not." The boss pointed to a few regular chairs: "Well, those are made by Sanzi Workshop. The others are not. Look at this chair."
The boss picked up a chair with its legs crossed and locked into a fork shape with a screw: "Look, this is a chair made in Yin's workshop. It can be folded." The boss folded the chair and then unfolded it.
"Ordinary people don't use many chairs at ordinary times. They only use them to greet guests during holidays and festivals. Such chairs are not easy to place. Look at this kind of chair. You can put it wherever you want at home. It is more worry-free and cheaper. It sells for more than three times.
The calligraphy workshop is good, and there is also this kind of rotating chair, which is owned by the Wu family..."
The boss introduced them one by one. After introducing the chairs, he also introduced cloth, satin, and embroidery. Almost all of them were of various kinds. Except for paper with technical barriers, other ordinary products have changed from the single product of official workshops in the past to a dazzling array of functions and prices.
same.
Liu Zhang sighed in his heart, as expected, it is the same in ancient and modern times. As long as the people are given enough space to develop, they can naturally make amazing things, especially businessmen. They work hard to make money and promote technological upgrading.
Government workshops are now basically reduced to second-class goods, their products are too conservative, and the best-selling products are those of private merchants.
Liu Zhang bowed his hands to the boss and left. The boss was flattered and hurriedly bowed.
Liu Zhang told the reporter: "Remember, businesses can apply for subsidies from the government for all new technologies. As long as the technology is good enough, they can get the government's money, and the government will not force them to hand over their technology."
"Yes." The record-keeper started writing.
"However, no one may privately transfer any declared technology to other places. Once verified, it will be severely punished as a loss."
"yes."
Regarding technology, it is nonsense to talk about patents now, but at least some encouragement and protection measures must be taken to ensure that Jingyi's products are the best in the world.
Liu Zhang was about to leave, when the middle-aged man in the store came out and waved quickly: "Uncle Emperor, stay here."
Liu Zhang turned around and looked at the middle-aged man in surprise, with a dark complexion and a thin face, and an honest look on his face: "Are you...?"
The man bowed to Liu Zhang and said four words: "I am Lu Su."
Liu Zhang was shocked. He never expected to meet Lu Su here. Remember he didn't notify anyone when he went out today?
Liu Zhang didn't know that Lu Su was left alone in the post house and was very anxious. As Liu Zhang expected, Lu Su asked to see him in the evening to test Liu Zhang's attitude. However, the news came out that Liu Zhang was temporarily unavailable. Lu Su was very upset.
Down.
But there is no other way. Since everything is fine, it is better to take a look at the development of Chengdu. At a glance, I can't help but feel excited.
Chengdu was governed by two generations, Liu Yan and Liu Zhang, and was much more developed than Wuzhong, but this was not what attracted Lu Su. Lu Su had already expected this.
What Lu Su did not expect was the vitality shown in Chengdu. Although he had just experienced the rebellion and the Dujiangyan Massacre, Lu Su could see scenes of new life everywhere. This scene started from his conversations with the people in Chengdu.
The expectation for the future is clearly reflected in his tone.
Workshops, merchants, a dazzling array of goods, Arabic digital banks and a series of new things, the people lived and worked in peace and contentment, and were convinced of the rule of the Sichuan Army and Liu Zhang. Even during the conversation, Lu Su found that as long as he spoke ill of Liu Zhang, he would be glared at by the people.
This is completely different from what I imagined. In my imagination, after the rebellion and massacre, Yizhou should be a scene where people's livelihood was in decline and everyone was in danger. However, what these scenes showed was vitality and unity.
Later I learned that after this rebellion, Liu Zhang suffered heavy losses to his treasury, but he did not increase taxes at all. Instead, he alleviated the crisis of the people through rewards and subsidies, as well as regulation of bank loans and deposits.
In this way, how could the people not be grateful? How could Chengdu really be in depression?
Seeing this, Lu Su was a little surprised. Although Lu Su came from a wealthy family and skillfully protected the interests of the wealthy family, he was a wise man. Lu Su knew what these scenes meant, and he couldn't help but feel very worried.
Lu Su was more worried than when he came here that Liu Zhang would dominate the world. By then, the stubborn families in Jiangdong might all be bulldozed and burned like thorns.
"It turns out it's Lu Zijing from Jiangdong. I'm sorry. Mr. Zijing is actually interested in visiting these small shops in Chengdu. Are you going to bring some Sichuan specialties to Mr. Jiangdong?" Liu Zhang said with a smile.
"Under the rule of the Emperor's uncle, I live and work in peace and contentment. I am really envious of you. The Emperor's noble status braves the scorching sun to come to these shops. It is even more unusual than Lu Su. It seems that there is a slight discrepancy with what the postman said about the Emperor's uncle taking care of everything.
"
"Haha." Liu Zhang smiled, understanding what Lu Su meant, and replied: "Zijing came thousands of miles away and summoned me in a hurry. Doesn't it seem that I, Liu Zhang, are unkind? Moreover, I heard that Zijing is also a good man in the village and is well-educated.
Gentlemen, don’t you think that understanding the sentiments of the people is dispensable and not considered official business at all?”
Lu Su was stunned and smiled awkwardly: "Of course it counts, of course it counts."
Confucianism is based on the people, and it is of course a big deal to observe the people's sentiments, but which prince is like Liu Zhang who sneaks into the shop? Although Lu Su knew it, he couldn't tell him.
Liu Zhang walked forward, and Lu Su said: "Uncle, since your uncle is busy with everything, I, Lu Su, can't disturb you. How about this, let's talk as we walk, this time my lord is very sincere and..."
Before Lu Su could finish speaking, Liu Zhang suddenly hurried to a shop, leaving Lu Su standing alone in the middle of the street, embarrassed and angry, but when he raised his head and looked at the shelves of the shop, his eyes suddenly opened wide.
ps: #tyrantliuzhang# It’s so sad that no one rewards me