I directed the Xuanwumen Incident

Chapter 540 Li Qingquan, Queen of Datang Finance, Confids Her Heart
That night.

Xu Fenglei walked on the West Market Street, lifted his foot, and walked into Fenglei Bank.

Here, it is the only shop in the entire West Market that ignores the curfew, because the bank has to reconcile accounts at night, and cannot pile up today's business until tomorrow. This is the rule Xu Fenglei set when he founded the bank.

Li Qingquan, the man at the helm, performed very well.

crackle crackle crackle!

In the village, there are several accountants who are engrossed in their calculations.

In front of each of them is a thick stack of ledgers, which makes people dizzy just looking at them...

"Master, why are you here?"

A familiar voice came.

However, Li Qingquan was dressed in plain clothes, with a Kundao meatball on his head, looking out of the world.

As the female boss of a bank, she doesn't smell like copper, but she looks fresher and refined...

This is rare.

"It's okay, I can't come and see you."

Xu Fenglei laughed,
"The lychee you sent someone to tastes very good."

"Is it really transported from Lingnan?"

Li Qingquan met Xu Fenglei all the way, fetched high-quality tea in person, and brewed a pot of tea for him.

This kind of thing, the girl in the shop can do it originally, but since the master is here, she must make the tea herself, and she dare not neglect in the slightest.

"It's not that far, actually."

Li Qingquan smiled and said,
"It's just a gimmick, saying that it is Lingnan litchi, but it is actually cultivated in the land of Bashu. The climate in the south there is also very hot, and litchi can bloom and bear fruit."

"However, even transporting it from Bashu is very difficult, because the road to Shu is difficult! Fortunately, the fast darts are meant to go back and forth on light rides, not large-scale transportation, but it's not that difficult."

"It takes about three to five days to deliver the lychees to Chang'an. At this time, the lychees are still fresh. If the lychees are bad or stale, they will be disposed of at a low price, and the good ones will be sold at a high price."

Xu Fenglei was a little stunned.

Dude, it's all false propaganda!

"No profiteering, no business!"

he joked,

"I said! From Lingnan to Chang'an, if you want to go so fast, unless it's [-] miles, it's impossible to get there."

"Smart, really smart! With this brain, it's hard not to make money!"

If Li Qingquan didn't tell the truth, he really couldn't figure it out!
The south of the land of Bashu is Nanman!Zhuge Liang's seven captures of Meng Huo were actually to conquer Nanman, and the climate there was not much better than that in Lingnan.

If you really want to talk about the taste, it's not bad!
It's just that Lingnan lychees are famous, which makes it easier for the nobles in Chang'an to pursue them.

"That man does have a business mind. If Master is interested, disciple let him meet you?"

Li Qingquan sat down and said with a smile,
"There are quite a few others with brains like this."

Xu Fenglei waved his hand.

"Not interested, you can do it."

He casually said,

"They have brains and abilities, and we have money and vision, so we will invest money in them and let them work hard!"

"Let's just collect the money and eat dividends! How to invest the bank's money and who to invest in, you are in control, I don't ask."

Now, he was completely relieved of Li Qingquan.

This girl is too economical!
If you let yourself do it, you will definitely not be able to reach her scale!
"Yes, Master."

Li Qingquan had a cheerful expression on his face, obviously she felt very comfortable listening to Master's words.

While responding, she stared at Xu Fenglei's face and said with a tut:
"Master, you've lost weight, and you've also turned dark..."

"It's been a lot of trouble these past few months, right?"

Xu Fenglei was startled, and subconsciously touched his face.

"Hey and thin? No..."

He pouted,

"That kid Chengqian is darker than me!"

"Actually, man, what's the point of being darker and thinner? It's good! It's more masculine!"

"Am I right?"

Li Qingquan pursed his lips and smiled.

"Yes, yes... Master is right."

She agreed,

"It's indeed more masculine, thanks to the fact that you come out at night, if you come out during the day, you won't be fascinated by Chang'an Street?"

Xu Fenglei's old face darkened.

"Qingquan, I haven't seen you in the past few months, you are becoming more and more eloquent."

He said angrily,

"I dare to make fun of you as a teacher. I still remember how well-behaved and shy you were back then."

"It's very different now!"

Li Qingquan restrained his smile.

"People... always grow up."

She took a sip of her tea and said,

"Actually, at that time, Tu'er felt a little inferior. After all, I was a concubine, and Chengqian, Lizhi and Qingque were all legitimate sons."

"Although I am an elder sister, in my heart, I have always regarded myself as a big maid... trembling and cautious."

"So, my father and my mother have always praised me for being well-behaved and sensible. In fact... who is born to be well-behaved and sensible? It's just that I was not born with the qualifications to be lively and noisy, because I can't afford to gamble, I dare not gamble. After I make a noise once, Do my father and queen mother love me or loathe me."

Xu Fenglei glanced at her in surprise.

This is the first time Qingquan told him, is it a confession?
He didn't speak, just listened quietly.

"Fortunately, I got a master later."

Li Qingquan looked at Xu Fenglei and said with a smile,
"Actually, I have always admired you very much, much more than my father."

"So, you have the greatest influence on me. It is you who give me confidence and a goal to strive for."

"Master, thank you."

There is still sincerity and reverence in her eyes.

Xu Fenglei nodded.

"Should be."

He nodded and smiled,
"Listen to your emotion... at this moment, you should not drink tea, but drink!"

"Ha ha……"

"I have wine." Li Qingquan got up suddenly, and said, "I have all kinds of wine here, the best grapes, and green bamboo leaves. Which kind do you want to drink? Just say it, there are a lot of them in the warehouse."

She pointed to the shelf again, and said:

"Do you want to smoke? I have all kinds of shredded tobacco here, and the highest grade tobacco in the palace is in stock. I don't usually take it out, but if you come, there will be unlimited supply."

Money can make a ghost run!
Li Qingquan, as the financial queen of the Tang Dynasty, can show her strong financial resources and energy anywhere!
"Hey, no need, no need, I just said it casually."

Xu Fenglei hurriedly waved his hands and said,
"Drinking will be a waste of time. I also quit smoking. I won't smoke anymore."

"I'm here today because of two things... how are the branch villages in other parts of Datang doing? Are they making a profit?"

Hearing this, Li Qingquan gave up and sat back in his seat.

"Just barely."

She pondered for a while, and said,

"It's just in its infancy, and there are not many deposits. It's not that local merchants and wealthy households don't trust our bank."

"After all, the imperial father's Zen ceremony was sponsored by our bank. There are not many people in the world who don't know the name of our Fenglei bank, and also know that we have a profound background and extraordinary strength."

"But even so ... security is a concern."

"The local security force is really inferior to Chang'an. There have been a few times when the treasury has been robbed. Although there is not much loss, this defect has been exposed."

"With this defect, the depositors must be intimidated... If the money in the bank is robbed, where will they cry?"

Xu Fenglei touched his chin.

The bank was robbed... This is indeed an unavoidable thing.

After all, money touches people's hearts!Even when there are hot weapons in later generations, some people will take risks to rob banks!And there are really successful robberies!

Not to mention ancient times!

If several gangs of bandits work together, even a county can be captured!Don't say it's a bank...

Besides, those soldiers and soldiers in the government office may not necessarily be willing to die. After all, they only earn so much money a month, what kind of life do they play?

"Imperial power doesn't even go to the countryside. We can't solve this problem completely. Only when the power of the imperial court is strengthened can its influence be added to more places."

Xu Fenglei murmured,

"This is not something that can be accomplished overnight... However, our banks are all located in metropolitan cities after all, so the security problem is not too big."

"The main thing is to give depositors confidence. What finance plays is actually confidence!"

Li Qingquan nodded.

"Tu'er thinks the same way, so I'm thinking whether to let the word out, all the depositors who deposit in Fenglei Bank, even if their money is really robbed, the bank will not judge them as losses, but the bank itself. Loss."

She said in a low voice,

"All losses will be paid by Chang'an Zongzhuang!"

"In this way, it should reassure them...Let's not say anything else, the reputation is still guaranteed."

Xu Fenglei smiled, but shook his head.

"It's good for you to pay rigidly like this, but who will bear the loss of the bank?"

he said,

"We opened a bank to make money, not to do charity, let alone to lose money..."

"I think it's time to consider starting an insurance business."

Li Qingquan was taken aback.

"Insurance?"

She kept asking,

"What is insurance?"

Xu Fenglei said:

"It's an institution that takes risks for people."

"In short, all depositors who save money in Fenglei Bank don't have to worry about their own funds. They only need to buy a theft insurance and accident insurance for their property, and only need to pay a small amount of money in their savings every year. , you can guarantee your own money throughout the year!"

"During this period, if it's stolen or robbed, don't worry! It won't be borne by the depositor, nor by the bank... the insurance agency will bear all the losses!"

"In this way, even if there is an accident, the bank will not lose money, isn't it beautiful?"

"Another point is that if there is no incident throughout the year, the insurance agency will earn all the premiums. Even if something happens in one place, the premiums from the other places can be added up to guarantee a profit! This is also a very profitable business! "

"In the end, the depositors got peace of mind, the bank didn't have the risk of losing money, and the insurance company got the insurance premium. Three wins! It's hard to win!"

Li Qingquan frowned slightly.

"Insurance premiums... that's a good idea, but will savers be willing to pay the extra money?"

she murmured,

"I have to pay a sum of money for this every year, and I am afraid that many people will be discouraged."

"Master said three wins, but in fact the money was paid by the depositors."

Snapped!
Xu Fenglei snapped his fingers.

"Why are you so smart, Xiaoqingquan?"

He said with a smile,

"That's right, the wool comes from the sheep, and the money comes from the depositors."

"But the money is completely enough for them to take out willingly! Just don't be so direct. If you ask them to pay, they will definitely not be happy."

"You can adjust the interest rate and deduct the premium from their interest! The annual premium is not a lot, and you can buy an absolute security for your own property. Anyone will agree to this!"

"If it were me, I would agree without hesitation!"

"dont you agree?"

Li Qingquan stretched out his hand and gave Xu Fenglei a thumbs up.

"Master, it's you!"

She couldn't help admiring,
"Your trick is too clever!"

"Indeed, they are definitely not happy to ask them to pay! But if they deduct a sum from the interest to protect their funds, the resistance will definitely be much less!"

"This principle is also applicable to other places...Master, thank you for reminding me, I suddenly feel that I can make more money!"

Xu Fenglei's words made her think through a lot, and she felt like she was suddenly enlightened!
For a while, several new ways to make money appeared in her mind!
"You have always been smart, and you can infer other things from one instance."

Xu Fenglei laughed,
"You don't have to thank me, I just came up with an idea, and it's up to you to implement it."

"Then this matter is roughly settled in this way. If you don't have the energy to do this insurance business, just ask those entrepreneurs if they are interested in doing this, and let them pay for the money and energy. We only invest money and control the insurance business. The general direction and dividends will do.”

"It should be noted that only one can be opened for the time being, and the business cannot be carried out too much."

Insurance is a profitable industry!

In future generations, if you want to open an insurance company, you will need a license!Without a license, no matter how much money you have, you are not eligible to open one!

This license is worth hundreds of millions or even billions!
"Yes, my disciple understands."

Li Qingquan smiled and said,
"Master, you can come here more often in the future. Every time you come, you can give disciples more new ideas!"

"Every time I come, I feel that I have learned and improved!"

Xu Fenglei looked up at her, waved his hands and said:

"Don't flatter me, the first thing, forget it."

"Let's talk about the second thing."

He stared at Li Qingquan and said:
"Is Lizhi here with you? Bring her out, I want to talk to her."

The smile on Li Qingquan's face froze immediately.

"This... Master, what are you talking about?"

She said with some doubts,
"Shouldn't Lizhi be in the palace? Why is she here?"

"What did she do?"

Xu Fenglei smiled slightly.

"Don't hide it, I have already seen it through your eyes, she is here with you."

he said,

"Besides, I know how to tell fortunes as a teacher. I can find her even if she goes to the ends of the earth."

"The hexagram symbolizes that the ground is bright and bright, and the symbol shows that the woman fell into a well. This well can be regarded as a clear spring."

"dont you agree?"

(End of this chapter)