The weapon tycoon who traveled to Daqin

"Here." Mo Li saw Shangwen arriving from a distance, and then waved to signal Shangwen to come here.

Naofumi ran over quickly.

"You came early." Naofumi said with a smile.

"Mr. Mo asked me to pick you up. Let's go." Mo Li said to Shang Wen.

"Where to go?" Naofumi asked.

"Come with me." Mo Li said.

"Yes. Okay." Shang Wen nodded, and then followed Mo Li. But soon, Shang Wen took Mo Li towards the Qinling Mountains. Because Mo Li still didn't know how to use public transportation in Qin.

The Guanzhong area has been relatively developed. There are long-distance buses, buses, taxis, horse-drawn carriages and other means of transportation, but the number is very small, and some highway sections do not allow such slow-speed horse-drawn carriages to appear. In addition, horse-drawn carriages are not allowed.

Therefore, some areas in Qin Guanzhong have banned carriages. But Mo Li did not understand these at all. In desperation, Shang Wen could only go with her to the deep mountains of Qinling Mountains.

At this time, Meng Yi was looking at the telegram sent from Zhao.

"Bank management? What does this mean?" Meng Yi said while looking at the strange telegram sent by Li Mu.

Meng Yi didn't know what Li Mu was thinking. He didn't know how Li Mu wanted the bank to operate or what he wanted. After thinking about it carefully, Meng Yi decided to tell the other party. At this time, Li Mu was at the door of Qin Guo Alliance Bank.

"I have met the Prime Minister." Li Kai, the manager of Qin Guo Alliance Bank, saluted.

"No need to be polite. I'm here to help Manager Li." Li Mu said to Li Kai politely.

"Prime Minister, you are worrying too much." Li Kai said politely.

"Please." Li Kai smiled and extended his hand to invite Li Mu, Li Zuoche, and Zhao Yu to come in.

"Is your Qin State's bank doing well in Zhao State?" Li Mu asked Li Kai.

"Back to Prime Minister, it's okay." Li Kai replied politely.

"Manager Li, don't be restrained, don't be restrained." Li Mu saw Li Kai's restrained look and said politely.

"It's true." Li Mu then said to Li Kai. Li Kai nodded unnaturally.

"We came here to learn from your Qin Guo Bank. I don't know. Does Manager Li mind about this?" Li Mu asked.

"This." Li Kai didn't know what Li Mu's purpose was here. Therefore, he couldn't agree immediately, so he seemed a little hesitant.

"Manager Li, actually there is nothing. I just want to know how your bank in Qin State operates. We also have banks in Zhao State, but we are extremely short of funds. I want to know, do the banks in Qin State have such a problem? You guys

How did you solve this matter?" Li Mu asked.

"So that's what happened." Li Kai said with a smile. Regarding bank operations, it is no longer a secret among the banking industry. Even the newspapers of Qin State have reported it, but there are some things in it that cannot be explained without explanation.

Don't understand.

"Is it okay?" Li Mu asked Li Kai.

"Okay. Okay." Li Kai replied continuously.

"Oh. Then please ask Manager Li to explain it, and we will learn from it." Li Mu said.

"There is no need to study. Just explain." Li Kai said.

"Actually, there is nothing too difficult about running a bank." Li Kai said to Li Mu. Li Zuoche and Zhao Yu listened to Li Kai's words.

"The profit of banks lies in loans. Qin State absorbs deposits, gives customers a certain amount of interest, and then lends the deposits absorbed to people and enterprises in need of large amounts of funds. In this way, the interest given to them is higher than that of customers.

Interest, the difference in interest, is the profit we will earn." Li Kai explained with a smile.

"Oh." Li Mu nodded. After Li Kai explained like this, Li Mu suddenly understood why Qin State wanted to absorb a large amount of deposits. It turns out that absorbing means to pool the funds and then distribute them through centralized lending. In this way, banks can

There is profit.

"Do you understand?" Li Mu asked the two of them.

"I understand." Zhao Yu said. Li Zuoche nodded.

"It's just that there's something I don't understand." Li Zuoche had already thought of the question he wanted to ask, so he asked.

"It's your capital. If you lend it out, it will take time to get it back, and it will also take time to absorb deposits. How do you deal with your money? That is, if I want to withdraw money, I also need to use money.

How do you deal with this?" Li Zuoche asked.

Li Mu on the side nodded repeatedly when he heard such a question. For such a detail, Li Mu also thought that Li Zuoche had thought very carefully.

"That's it." Li Kai thought about the question raised by Li Zuoche. Although this question is convoluted and sounds annoying, it is indeed a problem. Qin State also had such a problem at the beginning, but soon

, the people of Qin solved this problem.

"First of all, we need to establish deposit reserves to cope with customers who may come to withdraw funds," Li Kai said.

"The Prime Minister of Qin State lowered the standard. Is this what he said?" Li Zuoche asked.

"Yes, this is the reserve fund." Li Kai said.

"As for another question, the money deposited by Qin's customers is in the bank, and for customers who need loans, we provide the money to them, but their money must be placed with us. If it is placed with us, we will also give it to them.

For a certain amount of interest, when needed, he only needs to issue a draft

, a series of bills such as checks are enough. They can go to our bank to exchange them, or they can go to other banks to exchange them. After the exchange, we will conduct reconciliation after the agreed time. The accounts between banks are settled in this way.

Achieve the flow of funds." Li Kai said.

"That's it." Zhao Yu said with sudden realization.

"Yes. From the perspective of the Bank of Qin, only a small amount of funds are flowing, and most of the funds are immovable. It is very troublesome for them to flow. We try to use bills as much as possible. This is a bill." Li said.

Li Zuoche showed Qin's drafts and checks made out to Zhao Yu, Li Mu, and Li Zuoche.

Later, Li Mu, Zhao Yu and others learned in detail about Qin's other business methods. These reasons opened Li Mu and others' horizons.

Inside the Prime Minister's Mansion.

"What do you think?" Li Mu asked the two of them after he came back.

"The people of Qin's method are great. In this way, we can use such a small amount of funds to make repeated loans." Zhao Yu said excitedly. In his opinion, as long as the bank keeps issuing bills, it will be fine.

"No." Li Zuoche said at this time.

"The Qin people's method is very good. However, our Zhao country has not been able to issue such a bill. The anti-counterfeiting method of this kind of bill is much higher than any other anti-counterfeiting method. Moreover, the Qin people's bills can be circulated and can be used anywhere.

As long as travelers have this kind of bill, they can go to the bank of Qin to exchange it, but we." Li Zuoche said.

"We issue bills, but they cannot be used outside of Handan, Zhao State. Our bills cannot be exchanged, which is a big problem for us." Li Zuoche said seriously. Li Mu nodded aside, and then went back and forth.

Walking around. He very much agreed with Li Zuoche's views. The Qin people's solution was based on technology, but Zhao did not have such a foundation.

Basically, Zhao State has not yet mastered papermaking. How can it be achieved in anti-counterfeiting technology? Moreover, the most important thing is that the bills must be circulated and can be exchanged. Qin State can unite multiple banks and complete it through a banking alliance. But

Zhao State, Zhao State simply does not have so many banks and institutions, especially institutions like the Bank Alliance to complete the final exchange business.

"In addition, Zhao State also has big problems in absorbing deposits." Li Zuoche continued.

"Most people in Qin have the habit of saving money, probably because they have a stable income, and their income is enough for them to save. However, we people in Zhao do not have such a habit. In addition to not trusting banks, their income is

, there is not enough funds to store. This is the most difficult part for us." Li Zuoche said. After hearing this, Li Mu nodded. He agreed with Li Zuoche's view.

"The situation of the people of Qin is different from ours." Li Zuoche continued.

"Yes. That's right." Li Mu commented.

"The current situation of Zhao State is different from that of Qin State." Li Mu said.

"For example, Qin people can obtain deposits from their stable income, and their wages are also managed through banks. In this way, as long as there is a place to save money, Qin people can use their money.

Such money can be used repeatedly, so their money is inexhaustible, but our situation is different." Li Mu said.

"The way we operate determines that our funds are very limited. Under such circumstances, what we can do is very limited," Li Mu said.

"Currently, we should resolve this matter. Otherwise, it will be difficult to proceed," Li Mu said.

"I will order them to deposit the money in your bank, and then you will lend it to the generals." Li Mu thought for a while and said.

"For exchange." Li Mu said as he walked around.

"I will discuss with the State of Qin to see if we can join forces with the banks of the State of Qin to carry out exchanges. If this can be solved, it would be the best." Li Mu thought of joining forces with the State of Qin to do this.

The funds of both parties can be circulated. The funds of the people of Qin can go to Zhao.

Zhao's funds can be transferred to Qin, and this kind of circulation can bring great convenience. Li Mu thinks this is a good idea. But Li Zuoche on the side is still a little worried, because he knows that such a thing is impossible.

There are technical differences and many operational differences.