Otaku Engineer in Great Tang Dynasty

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"Master, now that Confucianism is in power, it is indeed difficult for engineering students to stand out, but I am willing to help Mr.

In Yanhuang Qianzhuang, after listening to Li Zexuan's words, Li Ke was silent for a long time before speaking.

"Oh? Xiao Ke, how are you going to help me?"

Hearing this, Li Zexuan asked with a smile on his face.

Li Ke pursed his lips and said: "In a few years, Ke will go to Shu to take office. Bashu has been isolated from the Central Plains for many years, and its conditions are very backward. It is necessary to build and improve the living environment of the people. If there are students in the academy who are willing to go to Shu to become officials, they will definitely accept it! I believe that with the ability of our academy students, there is absolutely no problem in benefiting one side of the people~!"

Li Zexuan glanced at Li Ke and said with a smile: "Haha! Xiaoke, you saw that Ke Shiqing's charitable deeds to benefit the people's livelihood in Shu have become so popular, so you also want to recruit more academy students to Bashu to help you manage the fiefs. ?"

Don't look at Li Ke's high-sounding words, it seems that he wants to help Li Zexuan to share his worries, but in fact, Li Ke is robbing Li Zexuan for talents!

But even if Li Zexuan knew Li Ke's true intentions in his heart, he didn't mean to be angry, because where will the students of the academy go to develop in the future, this is the freedom of others, he can't control it at all, if Li Ke has the ability to attract these talents to Shudi, it can only be said that he has a great personality, and Li Zexuan will not be angry about it!

After being distracted by Li Zexuan, Li Ke's face was slightly embarrassed. He coughed dryly and said, "Cough cough! Nothing can be hidden from the eyes of the mountain chief! In fact, what Ke thinks is that the Central Plains is deeply influenced by Confucian culture, and engineering studies Even with outstanding contributions, it is difficult to compete with Confucianism, which has been passed down for hundreds of thousands of years.

The land of Bashu is different. It has been isolated from the Central Plains since the Qin and Han dynasties, and is less influenced by Confucianism. As long as Ke can bring the students of the academy and make the land of Shu a prosperous place there, engineering can be there. While standing firm, maybe I can open a school similar to Yanhuang Academy there, I hope you can agree to it! "

Li Zexuan couldn't help laughing and said: "Xiao Ke, you are helping the engineering and learning to spread the branches, what reason do you have to disagree as a teacher~?"

After a pause, he continued: "As you said, engineering will indeed encounter a lot of resistance in the current Datang, but I don't think these resistances are a problem. When more and more people realize that engineering can change the world, They will gradually accept engineering. Of course, if you want to develop engineering in Shu, it is not a feasible way, and this is considered to be more blooming!"

Li Ke cupped his hands and said, "Sir's words are true! Then Ke will work with him to carry forward engineering in the future!"

In the past, Li Ke was repulsive to Shu land. After all, he lived in Chang'an City since he was a child. If he was asked to go to Shu land thousands of miles away, he would inevitably have some resistance in his heart.

However, after talking with Li Zexuan just now, Li Ke even vaguely hoped that he would take office in Shu as soon as possible, because leaving Chang'an means that the fish will go into the sea. At that time, he can be like his idol Li Zexuan. The fief has vigorously developed engineering and benefited the people of one party!

He is looking forward to the land of Bashu becoming a real paradise on earth under his transformation!

Li Zexuan nodded, and was about to get up and leave when he suddenly remembered something and said to Li Ke, "Xiao Ke, I just saw that it was written in the account book that Yanhuang Qianzhuang's monthly income is more than 30,000 yuan?"

Hearing Li Zexuan suddenly ask about this, Li Ke was a little unclear, so he paused for a moment, nodded and replied:

"Indeed! In recent months, the number of businessmen in Lantian County has increased sharply, and countless shops have sprung up in the city. Those businessmen who build shops and purchase goods will inevitably encounter the problem of financial constraints, so they came to Yanhuang Qianzhuang. The more people who borrow money, the more money we get! But if this is a bank in other places, it may not be able to make so much money!

But there are too many people borrowing money, which may not be a good thing! Because our bank’s money is limited after all, every month at the end of the month, there will be a shortage of money in the bank. Many businessmen can’t borrow money if they want to borrow money, so they can only borrow money from big households who specialize in lending money to earn interest. Moreover, the amount of Tang Yuan issued is closely related to the total amount of wealth currently owned by Datang. It is impossible for us to rashly print more Tang Yuan, so we can only watch some merchants being exploited by those big households. ! "

Li Zexuan knew that what Li Ke said was the truth. After all, in today's Datang, if we say the most prosperous places in business, there are only Chang'an City and Lantian County, but if we want to say that the place with the fastest growing business scale is only Lantian County!

The expansion of business requires a lot of liquidity, and the bank is a place that provides liquidity for businessmen!

At present, the capital in the qianzhuang is mainly accumulated by the investment of the shareholders of the qianzhuang in the early stage and the operating profits of the qianzhuang in the later period. They're making money!

After a moment of silence, Li Zexuan said, "Xiao Ke, you must know how to be flexible when dealing with people. Since the bank will encounter a shortage of money at the end of each month, we will find a way to absorb more funds!"

Li Ke frowned and asked, "Sir, where should we go to find sources of funds?"

Li Zexuan smiled slightly and said, "Of course it's the folks! Before, Xiaoke, you could think of lending money to merchants to generate income for the bank, but now you can't think of using small profits to attract people to deposit their remaining money in the bank?

You can put up a notice to tell the people of Lantian County that as long as they keep their copper coins in Yanhuang Qianzhuang, not only will we not ask them to collect copper coins to exchange Tang Yuan

fee, and a certain amount of interest will be paid to them. This interest includes current interest and regular interest. Current demand means that there is no deposit period. People who want to use the money can come to the bank to withdraw it at any time, while the fixed term means that the money cannot be withdrawn before the agreed period!

Therefore, correspondingly, the regular interest rate is higher than the current interest rate. Those people who have surplus money at home can save the surplus money in Yanhuang Bank, which can not only ensure the safety of property, but also earn extra interest money. I think there should be many People are willing to come to the bank to save money~! "

Li Ke's eyes widened when he heard the words, his face was full of incredulity. At this moment, his head was dazed for a long time. After a while, he finally came back to his senses. He swallowed and asked:

"Captain, if this notice is really sent out, I can guarantee that the threshold of our bank will be breached by the swarming people! Are you sure we won't lose money like this?"

Lose money? If a banker loses money, then there is no money-making business in this world!

Li Zexuan murmured to himself in his heart, and then smiled: "Whether you lose money or not, it depends on your methods, Xiaoke! I just introduced you a method to solve the problem, and there are many other ways to solve this problem. The space for operation, such as deposit interest rate!

When the bank is seriously short of money, you can slightly increase the interest rate to increase the enthusiasm of the people to save money. When the bank is not so short of money, you can appropriately lower the interest rate a little to reduce the cost of the bank to absorb deposits!

There is a degree in the middle, and you need to consider and balance all factors! As for your worry that the bank will lose money, this kind of worry is completely unnecessary, because the interest rate of the bank loan will always be higher than the interest rate of the deposit!

In addition, this money can only create more value when it flows! If everyone buries money in their own homes, consistent money can only be consistent money forever, but if the money is kept in the bank, and the bank uses the money to help businessmen expand their business, then the consistent money will easily be lost. Turn into two dollars, or even more!

So I told you earlier that the knowledge in this bank is huge! Using money to generate more money is the fundamental goal of Qianzhuang's existence in the world! "

After pondering Li Zexuan's words for a while in his heart, Li Ke couldn't help but sigh with sincerity: "Listening to the words of the chief is better than reading ten years of books. The knowledge contained in this economic way is really mysterious! Thank you, Mr. Shan for today. Teachings!"

Li Zexuan waved his hand and said, "Actually, Xiaoke, you've done a great job! After I look back and wait until everything is stable here, I hope you can return to the headquarters of Yanhuang Bank in Chang'an City and shoulder more responsibilities. Our Yanhuang Bank , it is under the name of the Ministry of Household, but most of the officials of the Ministry of Household have outdated concepts and expect them to take charge of the bank. I am afraid that within half a year, the bank will not be able to operate! Therefore, the important task of carrying forward the bank still has to fall on it. On you!"

There was nothing wrong with these words on the surface, but Li Ke always felt that it sounded a little weird. After a moment of silence, he frowned and asked, "Shan Chief, what about you? Are you planning to leave Qianzhuang alone?"

At this moment, he finally realized what was wrong, that is, Li Zexuan talked too much today, just like he wanted to instill all the knowledge in his mind into him, Li Ke suddenly had a bad premonition in his heart, the whole person It suddenly became tense!

Li Zexuan was silent for a while, then sighed and said, "There are more important things to do as a teacher! But if the bank encounters any problems in the future, Xiaoke, you can still come to me!"

Li Ke didn't ask Li Zexuan what was more important, because he understood that if Li Zexuan wanted to say something, he would have told him directly. Since he didn't say it, it proved that Li Zexuan didn't want to say it, and Li Ke naturally wouldn't force it!

"Haha! Stop talking about this!"

Seeing that the atmosphere was a little stagnant, Li Zexuan laughed and broke the silence, saying: "The reform measures of the bank that I told you before must be put into trial operation in Lantian County, because the demand for money here is large enough. In addition, the bank Not only can you lend money to merchants, but you can also lend money to people!

Now that the people in Lantian County are living well, some smart people will think about making a living. The bank can lower the interest rate a little bit, lend them some money, and let them create more wealth! "

Li Ke wondered: "Businessmen can borrow money with their shops as collateral, but when people borrow money, what can they take as collateral?"

Li Zexuan thought for a while and said, "You can get the title deed! But when the amount of borrowed money is small, you can not mortgage! They are all villagers from the same county. Even if they want to take the money and go far away, they can't go far!"

Most of the people in ancient times were more honest, and the small farmers were more serious and conservative in their thinking. They did not like to owe money to others. If they owed money, they would pay it back as soon as they had money. !

Therefore, Li Zexuan is not very worried that the people who borrowed the money will default on their debts afterwards!

Li Ke nodded and said, "The mountain chief is right! In the future, if the people of Lantian County need it, the bank will definitely lend them money!"

…………………………

After coming out of the Qianzhuang, Li Zexuan went straight home. It was getting late and it was time to go home for dinner. Second, he was going to go to the Xuanjia army camp in a while. If I didn't go, I had to live with my family no matter what!

He went home comfortably to be with his family, but some people were uncomfortable, one was Li Tai, and the other was Cheng Chumo!

At around noon today, Li Tai came to the workshop and asked Mo Lingwei to learn techniques. Mo Lingwei used the "cramming" teaching method to put the workshop's latest products, DC motors, storage

The principles of batteries, diodes, etc. were all instilled in Li Tai.

Li Tai was busy wandering around in the workshop, just to fully understand what Mo Lingwei had explained to her, and this work led to the evening!

Poor King Wei, he still has to work overtime in the workshop at night. If this is said, no one will believe it!

Now he and Li Ke have become brothers and sisters, one is fighting hard in the bank, and the other is working hard on new technologies in the workshop!

But despite the hard work, these two brothers are happy!

"Hey! This electric bicycle is really exciting to ride! It's much more refreshing than riding a horse! No, no! I can't return the bike to Xiaoxuan so quickly, I have to ride for two more days!"

In the evening, Cheng Chumo was riding an electric bicycle borrowed from Li Zexuan, like a windy year, attracting the attention of all passers-by.

"Wo...wocao! Good...so majestic!"

At this moment, Cheng Chumo saw a woman coming over on a bicycle. Of course, this is not the key. The key is that the woman is particularly spectacular. With the bumpy bicycle on the road, Cheng Chumo's eyes go straight!

"Bang~!"

As the saying goes, joy comes from sorrow, all happiness is destined to have to pay a price. No, Cheng Chumo had to go to see beautiful women, but he forgot to look at the road. With a bang, even the man and the car hit the roadside and just stood up. Not long on the poles!

"Ow~~! Help... help!"

Soon, Cheng Chumo's painful howl came from below the telephone pole. The sound was really miserable!

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