I directed the Xuanwumen Incident

Chapter 320 The princess I trained must not be displayed as a vase, do you understand?
Xu Fenglei laughed and patted him on the shoulder.

"Lide, thank you for your hard work."

He comforted,

"If you work hard for a few more days, there shouldn't be so many depositors in the future."

"It's really impossible, you call your younger brother Yan Liben, and you brothers go to battle, are you afraid that you won't be able to win?"

"I will pay double the wages of you two!"

Yan Lide's face turned bitter.

"It doesn't matter if it's money or not, it's just to help the minister."

he sighed softly,

"I can't go on like this. In my opinion, I have to call Li Ben. He is unemployed at home, and he has recruited many apprentices under his command. Let's call together!"

Xu Fenglei's eyes lit up when he heard this.

"Okay!"

He clapped his hands and said,
"It's a shame to ask you two to paint portraits of people, and it's time for those junior apprentices to exercise!"

"After painting, it is also a craft. Just working in my bank is enough to ensure that they have no worries about food and clothing!"

These days, art students are either rich or poor.

Those with a lot of money look down on this job, but for a poor painting apprentice, the profession of "painter in the bank" is definitely a solid job!

"it is good."

Yan Lide yawned, rubbed his stiff and sore wrist and said,

"My subordinates will call them all tomorrow. With their help, six hundred portraits can be completed."

"I can't do it anymore, I'm tired and sleepy... Bu Zun, farewell, farewell..."

If it wasn't for his firm will, he would have just lay down!
"Walk slowly."

Xu Fenglei waved.

Li Qingquan suddenly said softly:

"Yan Gong, the carriage has already been prepared for you, let's take a nap first."

Yan Lide's expression moved, revealing a touch of emotion.

"Thank you, princess, thank you, princess... You look at the officer, his mind is completely confused!"

He patted his forehead and bowed again and again,

"I didn't even react when I saw the princess, I'm so rude..."

Li Qingquan smiled slightly and didn't say anything, just waved his hand to signal him to go out.

Dengdeng.

In an instant, Yan Lide climbed into the carriage, and left Fenglei Bank under a burst of shaking.

"Not bad, Qingquan, you are very thoughtful."

Xu Fenglei said in surprise,

"The carriages are all ready."

Li Qingquan pursed his lips and smiled.

"I'm unfamiliar with other things, so I think I have to work hard on the details."

she said,

"It doesn't cost much to prepare a carriage, but it can make Yan Lide feel the respect and care of Master."

"Why not?"

After listening to her words, Xu Fenglei's eyes became more and more appreciative.

"You really look more and more like your queen mother."

He praised a word, and immediately said seriously,
"Historically, princesses are mostly placed in vases and used as tools for marriage."

"But since you have become my apprentice, you must not be a vase! Otherwise, what are you doing to teach you as a teacher? Let you be a husband and a child? Just play?"

"Including you, including Lizhi, I hope that you will be as promising as the boys, and be able to be independent! Don't become a tool for marriage!"

"Even if she does marry in the future, she will still be the head of the family, a strong woman who can manage the family business and keep out the wind and rain!"

"Qingquan, can you understand my expectations as a teacher?"

After some words, Li Qingquan's smile was restrained, and his expression became serious.

"Follow your master's instructions."

She bowed her hands and said,

"Disciples must live up to the expectations of the master, not to be a vase, not to be a tool!"

Originally a concubine, she didn't read or study, and she didn't have any thoughts in her mind.

But after studying under Xu Fenglei's sect for two years, an independent thought has already formed in her mind!

But at this moment, Master's words made her firm in her mind——

Go the way you want to go, don't be a vassal of others!
"So good."

Xu Fenglei showed a look of relief.

"Master, I still have a doubt."

Li Qingquan suddenly said,

"We give depositors so much interest to attract them to save, but the interest has to be paid out every day."

"The bank didn't make money, but lost money... It's definitely not the way to go in the long run."

"Teacher wants to ask where is the profit point? Is it the loan you mentioned?"

At this time, the servant brought two cups of hot tea.

"It's cold, drink some hot tea to warm up your body."

Xu Fenglei held up the teacup and blew, raised his hand and said,
"Sit down, let's talk slowly."

"It's impossible for me to devote all my energy to the matter here in the bank in the future, so you must understand the operating mode here."

"When you understand everything, I'll leave it to you to handle it, and I'll be a hands-off shopkeeper!"

"At that time, if you want to pursue freedom and not be restrained, Fenglei Bank will be your bargaining chip!"

Li Qingquan's heart moved, his ears pricked up.

"Loans are the biggest profit point of the bank."

Xu Fenglei said slowly,

"What's the interest rate we're giving savers on three-year deposits?"

"Three percent." Li Qingquan blurted out.

"Then, if someone is in urgent need of cash and wants to take out a loan, the three-year loan interest rate we give is 7%!"

Xu Fenglei laughed,
"Do the math, how much money can the bank make?"

Li Qingquan was shocked.

"More than double!" she blurted out.

"correct!"

Xu Fenglei snapped his fingers and said with a smile,

"The profit mechanism of the bank is actually just one sentence, suck money in from the left side, and then lend it out to the right side!"

"The bank itself has no money, and the money borrowed is all depositors' money! To put it bluntly, it uses depositors' money to lend money, and the loan and interest are recovered, distributed to depositors, and the rest goes to our bank's own pockets!"

"Do you understand?"

Li Qingquan opened his mouth slightly.

"Then this is an empty-handed white wolf..." she said weakly.

"How can it be that simple?"

Xu Fenglei laughed and said,

"First of all, you have to absorb savings first. Why should depositors trust you? Money is your wealth and life. If they deposit money in the bank, it is tantamount to handing over their wealth and life to us!"

"Just building trust is difficult and dangerous! As a teacher, you have to use your own identity as a guarantee and get the imperial court or even the royal endorsement, which is a good start."

"If you change to ordinary people, who will believe you?"

Li Qingquan nodded slightly.

"Besides, opening a bank must be strong. You have prepared a reserve of more than 10 taels of silver for the teacher, plus the generous support from the empress."

Xu Fenglei said again,
"Assuming that there is not enough savings, but there is an endless stream of borrowers, and they are extremely high-quality resources. As long as you lend to them, you will receive money steadily. What should you do? Do you have to pay out of your own pocket?"

"Assuming that there is a war on the border, depositors withdraw money on a large scale and cause a run, but the depositors have borrowed all the money, how do you pay it? Failure to pay will cause credit collapse and cause even greater disasters. Then you say, should you still pay the money?" Do you want to pay out of your own pocket?"

Li Qingquan: "..."

(End of this chapter)