Chapter 85: The bank wants so much money?
When they heard that Liu Hu wanted to discuss business matters, everyone else wanted to run away. After all, maybe it was okay for them to fight, but when it came to doing business, each one was worse than the other.
How could Liu Hu let these people go so easily? He said to Ah Si, "Put down the stone lock and come in with me."
"Boss, I'm no longer in charge of these industrial matters. Please forgive me." Asi immediately turned into a bitter face.
Ever since he handed over the account books, Asi has become extraordinarily relaxed. Now he has to get involved in industrial affairs again, which he naturally doesn't want to do.
"You have to go whether you want to or not." Liu Hu ordered without giving Asi a chance to refuse.
Ah Si had no choice but to throw the stone lock aside and followed Liu Hu into the house obediently.
Luo Fanchen knew that he didn't need to worry about these things, and he was not in the mood to chat with Xuemei. He went straight back to Zhang Chunqiu's room without even saying hello. Xuemei had long been accustomed to Luo Fanchen's indifference, so she didn't care. She squatted beside the stone lock and began to study it.
She was also very curious about this stone lock and didn't understand why the man just now cared so much about it.
----------------------------------------
"Boss, I chose Shangjing as the location for setting up the money house. As you know, land in Shangjing is very expensive, and that house is not cheap." Hua Ying saw Liu Hu enter the house and hurriedly said to Liu Hu.
Before Liu Hu could even sit down, he turned around and looked at Hua Ying and said, "Can you let me sit down so we can talk slowly?"
"Boss, opportunities are rare and will never come back. I put a lot of effort into negotiating this deal. If I'm late, it will be easily snatched away by someone else."
"Besides, our only advantage right now is that we are in the dark. We need to take advantage of everyone's unpreparedness to expand our industry to its maximum. Now is a good time."
Listening to Hua Ying's explanation, Liu Hu also understood the truth. Although he had not focused on the industry in recent years, he was also very good at business. Besides, how could he not understand the principle that speed is the essence of war.
"But why should I set up a money house? The national treasury belongs to me, why should I do this?" Liu Hu said in confusion.
Hua Ying had already thought of an excuse, and hurriedly said, "That's different. You are only the Grand Tutor, not the Emperor. If you always use the money in the national treasury, it will be easy for people to misunderstand you. If you secretly take the money out of the national treasury and put it in our bank, when the country is in danger, our bank will come forward to help the court. At that time, the people will think that our bank is more powerful than the national treasury."
"By then, we will have won over many people's hearts."
After hearing this, Liu Hu admired Hua Ying a little. She had even thought of winning people's hearts. What he lacked now was winning people's hearts. It seemed that he had to do the money house business.
"Tell me, how much money do you still need?" Liu Hu picked up the bowl of tea, blew on the tea leaves on it and said.
"Fifty thousand taels." Hua Ying stretched out her finger and spoke.
Liu Hu continued to blow on the tea and said, "It's not much, Ah Si, ask the accountant to take out 50,000 taels of silver for Hua Ying."
"Okay." Asi agreed readily and nodded.
Hua Ying shook her head and said, "It's not 50,000 taels of silver, it's 50,000 taels of gold."
"Poof!" Liu Hu almost spit out all the tea he had just drunk. Fifty thousand taels of gold? The entire treasury didn't have that much money. Where could he find it?
Hua Ying said confidently, "Yes, it is 50,000 taels of gold, Boss. I don't think the accountant may have that much money."
Long before Liu Hu came back, Hua Ying had already been to the accounting office. She knew better than anyone how much money the accounting office had. If the accounting office had so much money, Hua Ying would not have come to see Liu Hu.
Liu Hu shifted his posture slightly, took a deep breath and said, "Fifty thousand taels of gold just to buy a house? Where can a house be so expensive?"
At this moment, Liu Hu was in a mood to kill and rob. He wanted to see which house was so expensive and just rob it.
Hua Ying shook her head and said, "It's not that you need 50,000 taels of gold to buy a house. You only need 20,000 taels of silver notes to buy a house. The rest has to be deposited in a bank."
Liu Hu was quite satisfied after hearing the 20,000
After all, in his eyes, a money house should pool the money of the common people and then use the money for investment. No matter how bad it is, it should not take the money for itself.
Hua Ying saw that Liu Hu didn't understand, so she started to explain: "We set up a bank, so why would others deposit money with us?"
Liu Hu was about to say that since he was the prime minister of the current dynasty, but after thinking about it, he realized that he had already severed ties with all industries and could not tell the news.
From this point of view, what Huaying said does make some sense. Without any evidence, it would be difficult for others to deposit money.
Seeing that Liu Hu had figured it out, Hua Ying continued, "So, when we open our business, we must do something big. These big things will make everyone remember our bank, so that everyone can deposit money in."
Liu Hu understood that this was called marketing in later generations, which was to use chickens to lay eggs. First, build momentum, and then deceive everyone into raising funds. The money of the local tyrants was all returned, and the money of the common people was divided into 30% and 70%.
"In that case, we can borrow some from the national treasury first and then pay it back." Liu Hu understood the logic and spoke without hesitation.
Hua Ying was waiting for this sentence, so she asked, "How much money is left in the treasury? Is it enough?"
"I don't know how much money there is. After all, I have been away from Shangjing for a long time. I need to send a letter to ask, but I estimate that it is definitely not enough. I will try to collect some more." Liu Hu thought for a while and continued.
"How much money is left in the accountant's office?"
Ah Si grinned. He had no idea how much money the accountant had. But Hua Ying knew all about it. When she heard Liu Hu's question, she answered, "We can probably get together about 8,000 taels."
"What? How could it be so little?" Liu Hu remembered that he had not touched the money from these industries, so it should have increased like a snowball. Why did it become so little?
When Hua Ying heard Liu Hu's doubt, her face turned red and she said, "I changed a lot of shopkeepers before. Because these shopkeepers had just come up, they needed to make some achievements. So, I asked them to borrow money from the account office to open branches to make up for the performance."
"Oh." Liu Hu did not blame Hua Ying. After all, the girl had just started working in such a large industry and had no one to confide in. Suddenly, many shopkeepers were replaced. The people below would definitely be very dissatisfied. If she could not produce results, it would be easy for her to lose the support of the others.
Hearing that Liu Hu did not blame her, Hua Ying felt a little embarrassed. She didn't expect that she had made such a big mistake and Liu Hu did not blame her.
You know, without Liu Hu's approval, and using so much money, if it were any other boss, he would have killed me long ago. But when it came to Liu Hu, he just replied to me with an "Oh".
"Let's first calculate it based on 30,000 taels from the national treasury. If it's not enough, I'll go borrow some from Zheng Peng." Liu Hu thought for a moment and spoke.
Asking Zheng Peng for money was the last thing Liu Hu wanted to do. He was always ruthless towards his brothers who had been through thick and thin with him, because in his heart, military power was the most important thing, and the soldiers in Zheng Peng's hands would always be his trump card.
If you don't feed your men enough, who will fight for you?
There were 300,000 soldiers hidden in Lingnan, but these soldiers were self-sufficient. When they were not fighting, they would farm locally and had little expenses at all, so the money Liu Hu gave them on weekdays was very little.
Therefore, Liu Hu did not count the military supplies from Lingnan. He calculated and continued, "According to this calculation, there is still a shortfall of 12,000 taels of gold. Let me think about where I can get the money."
Hua Ying also knew that it was a bit difficult for her to say this number. After all, fifty thousand taels of gold was something she had never dared to think about before, but now she actually said it out loud.
"A Si, how much money do you have?" Liu Hu thought for a long time but couldn't figure out where the money was, so he had to turn his attention to A Si.
Ah Si didn't expect that there were still things of his own. When he heard Liu Hu's question, he scratched his head embarrassedly and said, "I don't know either. Let me ask."
After saying that, Asi strode out, but he did not go to find his brothers first, but went to find Luo Fanchen.
Ah Si saw it clearly just now. The Blue Guards could easily take out three thousand taels of silver notes. Luo Fanchen must have money, so he decided to find Luo Fanchen first to try his luck.
Luo Fanchen was discussing the severed finger with Zhang Chunqiu in the room at this time. Zhang Chunqiu was surprised to find a ninth-level master blacksmith in the world. He said excitedly: "If this is true, you should find the black iron quickly. I will make a few more things for you. Then I will definitely make your finger the same as before."
Seeing Zhang Chunqiu happy, Luo Fanchen also laughed happily and joked: "I'm used to having my fingers severed now. If they were really reattached, I'm afraid I wouldn't be used to it yet."
"That's impossible. The Luo family's finger technique is unrivaled in the world. If you can't practice the finger technique, then you'll be letting your uncle down." Zhang Chunqiu said dissatisfiedly.
Luo Fanchen also knew that Zhang Chunqiu had a good relationship with his second uncle, so he smiled and said nothing.
At this moment, Ah Si's voice came from the yard: "Fan Chen, where are you?"
"I'm here." Luo Fanchen shouted and stopped talking.
He and Zhang Chunqiu had no secrets, so he was not afraid of being seen. Then Ah Si walked in like a bear, and just happened to see Zhang Chunqiu there, so he hurriedly greeted him, "Mr. Zhang."
"Yeah." Through contact, Zhang Chunqiu also liked this upright young man, and he didn't have any feelings towards A Si.
Ah Si didn't care whether Luo Fanchen was busy or not, he took Luo Fanchen's hand and said, "Boss is short of money, come with me quickly."
"Short of money?" In his impression, Liu Hu never took money seriously, which also led to Luo Fanchen and Asi never taking money too seriously. Suddenly, when Asi said this, Luo Fanchen became suspicious.
Ah Si saw that Luo Fanchen was suspicious and explained: "Do you think I am lying to you? I am not. Hua Ying wants to open a bank and make it richer than the national treasury, so she is short of money."
"Money house? Why set one up if there's nothing to do?" Although Luo Fanchen didn't understand, he still stood up and prepared to leave with Asi.
Ah Si only heard a rough outline of what was said and said vaguely, "I just heard that the boss plans to rely on the bank to buy people's hearts, and then he can have more prestige than the emperor."
At this time, Luo Fanchen finally understood and nodded, "Then I understand. Take me there."
Zhang Chunqiu had been through so many things that he understood Ah Si's meaning with just a few words. He said, "Although I haven't done anything big in these years, I have saved some money. If you need it, take it."
It can be seen that Liu Hu is very important in Luo Fanchen's heart. Now that Liu Hu is in trouble, he should help.
Besides, he had enough food and clothes here, so there was no point in spending money. He might as well lend it to Liu Hu.
Luo Fanchen refused: "Oh, how can you have the nerve to ask for my money? You can keep the money, we don't need it."
In his opinion, Zhang Chunqiu had always lived in the countryside, so how much money could he have? That little money was probably a drop in the bucket compared to the money house.
Zhang Chunqiu insisted, "No, you must accept this money. It also contains your uncle's kindness."
If Zhang Chunqiu mentioned someone else, Luo Fanchen might refuse, but when he mentioned Second Uncle, Luo Fanchen had no choice but to take the handkerchief from Zhang Chunqiu, bowed to him and said, "I thank Second Uncle on behalf of our boss."
"Don't be polite with me, just go quickly." Zhang Chunqiu signaled Luo Fanchen to hurry up. Luo Fanchen did not hesitate and went to Liu Hu with his handkerchief without even looking at him.
