Three Kingdoms: Gou Shen I was overheard by Cao Cao

Page 430

"My money comes from taxes, sales of salt and iron, and dividends from various industries, and you, my dear brother...cough, it comes from your pocket!"

Cao Cao looked at Xia Houzhe's pocket a little shyly. If this kid hadn't learned his skills, he would still want to borrow some more.

Xia Houzhe rolled his eyes: "Don't worry about mine! I won't borrow it! You owe so much and you still don't pay back the money! The landlord's house is out of food!"

It is said that Cao Cao was disappointed for a while, so what a fart!

"Okay, okay, don't be depressed, since I dare to say it, then there is a way to raise money for you! You can't bully me with this wool alone!"

"I, Xia Houzhe, will be squeezed into Xia Hou's mouth by you!"

"I suggest... you start a bank!"

Speaking of this, the corners of Xia Houzhe's mouth rose slightly

"The bank? What is it?"

Several people looked at each other in blank dismay, and it was another thing they had never heard of.

There is no such thing as a bank these days, and it is normal for them not to understand.

According to historical records, Qianzhuang only took shape in the Song Dynasty, and officially appeared in the Ming Dynasty during the Ming Yingzong period. It took shape and was promoted in the Qing Dynasty.

Hearing the conversation of several people, the two daughters of Ding and Zhang also came over!

Ding is usually in charge of expenses, Cao Cao went to war, and she is in charge of logistics, military expenses, and scientific research expenses!Moreover, she handles the business of many shops by herself.

Regardless of Ding's strong character, according to the original book, Cao Cao was even divorced.

But it is undeniable that her ability is also very good!

It can be described as Cao Cao's virtuous wife!

So she paid special attention to this thing, and listened very carefully, for fear of missing something.

Seeing that everyone was looking at him eagerly, Xia Houzhe explained to them after organizing his words for a few seconds.

"The so-called bank is to use the name of the court to mobilize everyone to save money!"

"Let's go buy a big frontage and send heavy soldiers to guard it! We don't accept anything else, we don't sell anything, we only accept money! No one will be rejected!"

Hearing this, Cao Cao and the others were astonished.

"I'm on a horse... It's the first time I've heard of a store that doesn't accept goods, doesn't sell goods, and only takes money!"

"That's right! Why don't you put up a sign saying that you are stealing money?"

"Anyway, I won't let you take the money away! Money is the safest thing in your own pocket! Like me, hiding under the bed, how safe it is!"

Guo Jia's eyes sized Cao Cao and Xia Houzhe for a while, this is a living example!

The money was changed to another place to live, and I never went back!

Even Zhang and Ding think that Xia Houzhe's method is whimsical!

No less than... daydreaming!

"Son-in-law (virtuous brother), don't tell me... do you mean to wipe out the aristocratic family? Hold a knife around the neck and let them 'save money'?"

The second daughter was puzzled for a while, and Liu Mei huddled together.

In doing so, the forces under Cao Cao's command will be absolutely chaotic, and the people's hearts may be scattered, and the loyalty of the soldiers will also be reduced.

Because they were all worried that one day Cao Cao would use a knife to make them "save money" too!

It is said to be saved, but it is actually robbed!

Hearing what the second daughter said, everyone shook their heads, thinking that Xia Houzhe had made a fool of himself this time!

"It's not right! At present, my foundation is not stable, and I can't do anything to the family!"

"Although these aristocratic families are annoying, they are also our cornerstone to a certain extent! Taking one or two yuan is not a big problem, if you move too much, the power will collapse!"

Cao Cao waved his hands again and again.

Xia Houzhe sneered, with disdain in his eyes.

"No, no, no! Do you think I'm only going to move the aristocratic family and let them save money? You're wrong! This time I plan to move even the common people!"

Boom!

These words were like thunder, blowing up Cao Cao and the others.

"are you crazy?"

Xia Houzhe usually loves the people, even the women in his family care about the people very much, how can he say such a thing today?

This is... is this because you didn't pay back the money, and you're mad?

In an instant, Cao Cao felt sorry, and quickly stroked the back of Xia Houzhe's head guiltily.

"Brother! Don't worry, your money...I will definitely pay you back! I'm just such a close brother like you, I won't renege on my debt!"

"But these people...we can't move!"

Everyone nodded in unison, trying to persuade him.

Xia Houzhe couldn't laugh or cry.

"You all think that I am a cruel person? I mean... let them willingly save money! Let us keep it!"

Hearing this, Mrs. Zhang stretched out her white hand and touched his forehead.

"Son-in-law, you don't have a fever! Why are you talking nonsense!"

Cao Cao also looked at him worriedly.

"That's right! Why do those common people and aristocratic families deposit money with us?"

Xia Houzhe looked up at the sky with dull eyes, he felt too tired talking to this group of people.

In future generations, any child can figure out what a bank is!

"Hey! You guys! You are not smart enough to do business! Even your mother-in-law..."

"It's still the same sentence, the prosperity of the world is for profit, and the hustle and bustle of the world is for profit! People and aristocratic families can't afford to be early without profit. If you want them to save money, you must have...interest!"

Everyone looked at each other.

"Interest?"

They understand this thing, especially Cao Cao...the interest owed is too dare to think about it!

At that time, I can pay off my debts without my daughter!Maybe a daughter is not enough!

"That's right! It's interest! It's like if you borrowed my money, bro, I'll charge you interest!"

"Let me ask you, if there is a very reputable, well-known and rich person who won't break his promise, if he asks you to put your money with him, he will give you a certain amount of interest every day!"

"And you can take it away at any time! When you withdraw the money, he will return the principal and interest to you. Will you save it?"

After thinking for a few seconds, everyone nodded heavily.

"If he won't break his promise, has a solid reputation, and allows me to take it whenever I need it, without other routines and constraints, then I will consider using my spare money to earn some interest!"

Xia Houzhe snapped his fingers.

"That's right! The Han court is the most reputable person! Use Liu Xie's name to open a bank, but in fact, you are in your own hands!"

"Reputation...gimmick...identity...interest, all of them! Are you afraid they won't come to save money?"

Hearing this, Cao Cao frowned, and spread his hands in confusion.

"But here comes the problem. They all come to save money, and after a few months of saving, they take all the money and interest away. I'm afraid I'm going to lose all my underwear!"

Not only Cao Cao thinks so, but even the Zhang family, Ding family, and Guo Jia Xunyu think so.

Isn't this taking your own money and giving it to others for charity?Stupid behavior...

Hearing his words, the corners of Xia Houzhe's mouth curled up with a sinister smile.

"Are you stupid? It's impossible for these people to make an appointment to deposit and withdraw money together, right?"

"Since this is the case, there will always be money in your hands."

"If you have money, will you use it to make money? For example... in Xuzhou, Qingzhou, Sizhou, and Yanzhou! Within your sphere of influence, open shops everywhere to sell salt and iron, which are just-needed items!"

"Or engage in other industries, open more entertainment venues such as Jinjin Cave, or shock absorber modification shops!"

"We have to use money to make money! After you earn money, you can take it back to fill this hole! After this, the money that belongs to you in your pocket...isn't it more? This is the principle that money makes money and the hen lays eggs! "

Hearing these remarks, these people suddenly realized, and their eyes lit up!

There is such a clever plan!We didn't expect it, but we thought, this kid is in a daze!

Unexpectedly, the clown was us!

Cao Cao was even more pleasantly surprised.

He doesn't have a lot of money alone, but if he put together the spare money of these millions of people and those fertile families, that amount of assets can be said to be astronomical!

Don't talk about building one road, even building ten roads is no problem!

Before they recovered from the shock, Xia Houzhe continued!

Chapter 495 The Advantages and Disadvantages of Qianzhuang

"Not only that, but we can also use the bank to lend loans to other people who are in urgent need of money. As long as it is lower than the usury loan from the family, there will definitely be many people who will borrow money!"

"When the money is recovered in this way, the high interest rate can also bring us huge income! This is to use the interest difference between saving money and withdrawing money to obtain income!"

"It's just that lending a loan requires someone to check the strength and reputation of the other party before deciding how much to lend to the other party!"

"You have to use the house deed, land deed, or something that far exceeds the loan amount as collateral, so as not to break the promise of the other party!"

"With these things as collateral, I'm not afraid that he won't pay back the money!"

"As long as he doesn't return it, we will confiscate the mortgage and sell it! And we can make a lot of money! Don't ask why, relying on Liu Xie and the court is the greatest reason and justice!"

Seeing his eloquent expression, everyone was dumbfounded.

This is really thoughtful!

As expected of him... This ability to make money is terrifying!

In just a few years, from a salted fish to the level of a big dog!

If he wasn't too lazy, I'm afraid it wouldn't be too much to be rich!

Even Mrs. Zhang looked at him in horror!This son-in-law... can definitely lead her Zhen family to prosperity!

No wonder the daughter of the Mi family posted it upside down!If she was a few years younger, she might have posted it upside down.

But after thinking about it for a while, Xun Yu frowned again.

"Yuanyi, it's still not right..."

"What's wrong?"

Xia Houzhe was slightly puzzled.

Xun Yu looked at him with a troubled expression on his face.

"It's not easy for the common people to make money, and we open branches everywhere to grab their business. Doesn't it make life more difficult for them?"

Although Xun Yu loves money very much now, he can't cheat the common people.

There is still some conscience in my heart.

In response, Xia Houzhe waved his hand quite calmly.

"It's nothing! Salt and iron are things that can only be sold by the government. In other transactions, one is willing to fight and the other is willing to suffer! Not only did I not deceive the people, but it also drove the economies of these states and made money alive! "

"Do you think that opening a bank is only beneficial to us? The benefits enjoyed by the common people are also quite a lot! Just like what I just said...loans!"

Xia Houzhe said that smoke was coming out of his mouth, and he quickly poured a glass of boiling water to moisten his throat.

In the expectant eyes of everyone, he continued: "If you or your family members are seriously ill and have no money, it happens that the bank can borrow money. Does this mean saving the people?"

"In addition, is it unsafe to keep people's money at home? If you put too much money, you will be worried by thieves! Maybe someone is forced to break into a house and rob it, and even kill people!"

"But it's different in the bank! Whoever dares to snatch it will fight against the imperial court and the government army! Do you dare? Or Fengxiaogan?"

The two shook their heads in unison. Yanzhou has a force of more than 20 troops, and each of them can drown them with a mouthful of saliva.

Xia Houzhe squinted at them: "Isn't this the end? The bank has guaranteed their lives to a certain extent!"