"Play - play bigger?"

Chen Xiao blinked, looking at Han Yi with uncertainty...

Han Yi nodded and gave a clear reply.

Chen Xiao's eyes shook left and right, looking a little guilty. After a while, he said, "Han Yi, I know that your business is very big now, but I just want to do some small business, not to make the business the same as you. I can't do it like you."

He is quite self-aware. He dared not even think about Han Yi's business, let alone do it. He has no ambitions. His wish is to play in the world.

Han Yi smiled bitterly and said, "You misunderstood what I mean. I said to play bigger, not to go gambling or something, but the way you play in Yangzhou can't be played in Chang'an at all, and it won't last long."

Chen Xiao asked hurriedly: "Why?"

Han Yi said: "Chang'an is mixed with dragons and snakes, very complex, not as pure as the people of Yangzhou. There are many powerful characters here. If you just let go of profits, and it is extremely low interest, it will harm the interests of those landlords, and they will definitely deal with you. In addition, that kind of profits is not a long-term solution, because the capital is slow to pay back and high uncertainty, this way of playing must accumulate strength. In other words, the money you let go is just a drop in the bucket to you, and can only be regarded as charity, not as a business. In Chang'an, there are a large population, and there are many people who are used to borrowing money. If the interest rate is too low, you can borrow all your money in a moment. If you can't pay it back then, or delay it, what will you do?"

The deep laughter was stunned and silent.

He really thought it was too simple. Chang'an is an international metropolis. The economy of the Tang Dynasty was almost entirely in Chang'an. Whether it was class struggle or force struggle, it was much more complicated than Yangzhou. Moreover, the people in Chang'an had a much broader horizon than the people in other places. The Shenxiao style was able to play in Yangzhou. It might not be able to play in Chang'an, but the key was that he didn't have so much money to play.

To let go of profit means to let go of profit, not to do good deeds, even if you can help people. It also means to help people with profit purposes. Chen Xiao takes doing good first and doing business. This is difficult to succeed. If you want to do business, you must put business first. From ancient times to the present, no one started his business by doing good. Generally, he only did good deeds and gave back to society after his career was successful. Chen Xiao's move is like putting the cart before the horse.

"What do you think you should do?"

He looked at Han Yi in confusion with a deep smile.

Han Yi said: "What I taught you before is mostly just trying to return Wang Bao's money to the people and then to the Wang family. I didn't think too much about it, but if you want to turn it into a business, you must make careful plans. If this was the case before, I wouldn't recommend you to do this, but now there is a good opportunity. If you really like to do this, we can try it."

Chen Xiao hurriedly said, "Then tell me quickly."

Han Yi smiled and said, "Save and borrow."

Chen Xiao blinked, didn't quite understand, and said, "Save or borrow?"

Han Yi said: "Simply put, the kind of profit-making you used to lend money to the people and then collect benefits. In this way, it requires a lot of capital, but if you change the method, such as letting the people deposit the money to you, we will pay a certain amount of interest to the people."

Chen Xiao was shocked and said, "How can this work? Although the money was slow to return, it was also profitable. But you lost money like this. It won't take long. I will lose all of it."

Han Yi said: "If it's just that, then of course that's true. But don't forget one thing: if the people deposit money to you, you have a considerable amount of money. If you can use this money to earn a return higher than the interest payment, then you are making a profit."

"That's true."

He scratched his head and said, "No, no, the premise is that you have to make money, if you can't make money."

Han Yi said angrily: "Smile, isn't doing business just to make money? If you can't make money, of course you have to lose money. But think about it, if a person has a penny and you want him to make a thousand guan, it's so difficult, but if he has ten thousand guan, is it still difficult for you to make another thousand guan?"

He smiled and thought, "Even if I use ten thousand guan to earn a thousand guan, I may not be able to earn it."

It would be great if he had the confidence of women in doing business. Han Yi said: "What did we say just now, save and borrow. Saving is just to get the tools first, and borrowing is to use tools to make money."

Chen smiled and said, "Borrow? Are you talking about using this money to lend money to usury?"

"clever."

Han Yi snapped his fingers and said, "But it's not usury, but a reasonable return."

Chen Xiao frowned and said, "It's not all the same, so what's the difference between us and the Wang family?"

"He will force anyone to death by the Wang family."

Han Yi said: "But our borrowing is just to help people earn more money so that they can return the money to us, such as businessmen."

"merchant?"

He was stunned for a moment of laughter.

"good."

Han Yi smiled and said, "This is why I said you have caught up with a good era. Now the court is encouraging the people to conduct business and alleviate the pressure of land annexation. To a certain extent, it has played a role in valuing business. That is, more people will invest in business. As you said just now, many people are forced to death by a penny. In fact, businessmen are not the same. Some merchants will earn a lot of money as long as they have funds to overcome this difficulty. It is precisely because of the poor turnover, which leads to failure and even the family is destroyed. Anyone can save money, but not everyone borrows money, but lends it to those who are qualified to repay the money. The difference is that the profit of saving money is not high, but the profit of our borrowing money is very high, and the interest offsets each other, so what we have left is what we earn."

After saying this, Chen Xiao understood that he was going in with his left hand, right hand, right hand, left hand, and gaining his own benefits between entering and leaving. He laughed and said, "Han Yi, you are really smart. I understand why you can become the owner of a market in one year."

Han Yi said: "Don't be busy praising me for now. Any transaction is high-risk and there is no stable profit and no loss. It's simple to say now, but it's very difficult to actually operate."

"I understand this."

Chen Xiao nodded and changed the subject: "But this kind of transaction is purely for making money, but I am not very interested in making money. Even if I am the richest man in the world, I will not be happy about it. I have helped others along the way. I have also been helped by others. When I help others, I feel very happy. When others help me, I am very moved and grateful. This is what I hope to do."

Han Yi smiled and said, "If you want to help others, you must have money first. The more money you have, you can help others. It is better to teach people how to fish than to teach people how to fish. You cannot help them all the time. This transaction can of course help people. For example, people put money at home and leave it for a year. But if they are put here, the more money you will get, this is a kind of help. In addition, we can add the method you have in Yangzhou, but we don't focus on this method, but we can also lower the interest rate to some people in need, and it is more standardized, so that they can last and help more people."

"Yes! Why didn't I expect this?"

Chen Xiao's eyes lit up when he heard it, and he thought seriously. He still felt a little relieved and said, "Then why are you doing with me?"

"certainly."

Han Yi smiled and nodded and said, "To be honest, I actually thought of this approach before. But it's too difficult. I'm still focusing on the market now, and everything else is simple, but even if you don't come today, I may try it in the future. Moreover, you will also catch up with the development plan of my Beixiang. If we do this together, we can borrow the transactions and plans of Beixiang in the future to adjust it, which will also be of great benefit to our Beixiang.

But I have to tell you in advance that I only have 50% confidence in this kind of transaction, and the risk of failure is extremely high, but once it succeeds, we will change the whole world."

Chen Xiao said in shock: "Change the world?"

Han Yi nodded and said affirmatively: "Change the world."

Chen Xiao was a little scared. At first, Han Yi said he was playing big, but he thought he was just doing big business, but he didn't expect that they were going to change the world. He said, "Are you exaggerating?"

Han Yi shook his head and said seriously: "It's not an exaggeration at all, I'm still saying it modestly."

"Um?"

Chen Xiao shrank back.

Han Yi said: "But if you decide to do it, you must give it all. Don't always worry about hooking up with Meng'er and the others. It's not easy for me to cultivate a talent."

"Don't you understand me yet? I'm not hooking up, but I've just had some misunderstandings. I have to resolve the misunderstandings with them and get along well with them."

Chen Xiao argued with depression, but then fell into deep thought.

Han Yi was not in a hurry and slowly tasted the tea. In fact, what he was talking about was the concept of banking, but it was just a prototype. This was a very, very advanced concept and he was not sure, so he never tried it. He just laughed and said about profit-making. He thought he could try it. In fact, when he said this, he had already made plans for failure, but failure could still come back.

Therefore, he is really not in a hurry. Even if Chen Xiao doesn't agree, he will postpone and wait until the time is right before doing it.

After about a stick of incense, Chen Xiao suddenly stood up and fisted and said, "Okay! Let's do it."

After all, he is young and energetic, not afraid of failure, and cannot fight again, and can change the world with his good brothers. What else can he ask for? If it were Dou Yi and the others, he would probably not have the courage.

Han Yi smiled and said, "Okay! Our first step is to hang up the signboard on your first floor."

Chen Xiao was stunned and said, "Why is this? We are not making any profits? Why are we going to the restaurant again?"

Han Yi said: "Please, what is the need for borrowing and saving? It is trust. You cannot open your mouth, and others will deposit money to you. First of all, you have to make people trust you. If you have a restaurant here, of course they will trust you, but if you have a bamboo stick in your left hand and a broken bowl in your right hand, a fool will not throw the money into your bowl. The first step is that you have to gain the trust of the people of Chang'an, but don't worry, I will help you make the name of the first floor famous in Chang'an in a very short time."

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Chapter completed!