"Don't be disappointed as I said, as you said just now, you are indeed not qualified to borrow ten thousand coins..."

The voice of the ancestor was rising slowly, and he lingered in the room slowly. It sounded as tender as a childish voice, but it gave people a soothing and soothing kindness and taste.

The man nodded subconsciously and murmured: "Yes, I don't have the right to do it. If I were qualified, I would have borrowed it long ago."

If he was qualified to borrow money, he would not have watched his three children die. The four words "death" are written in the book, but for a father, it is like the sky falling.

To this extent, living is already a struggle and torture.

The man's face was full of pain, and anyone could feel his sorrow.

Only the ancestor's expression remained unchanged, and suddenly said slowly: "But, you are not completely ineligible."

uh-huh?

These words made everyone in the room stunned.

But when the ancestor sat cross-legged on the counter, his dark eyes seemed as deep as ever, he said, "How much ability a person has, he should bear the responsibility. The ideal world is, and the same is true for borrowing money. As a poor and poor household, you cannot bear ten thousand yuan of debts. Therefore, because of this, I said that you are not qualified, but..."

Suddenly he smiled warmly at the man and said with a definite statement: "You are qualified to borrow ten taels!"

"Borrow ten-charity qualification?"

The man was slightly stunned, and the people in the room were also a little puzzled. Li Shimin in the corner looked thoughtful, but he couldn't grasp the intention of the ancestor for a while.

Li Yun whispered from the side: "This is setting rules and also setting rules. If the banking industry does not have the extremely strict rules as terms, it will collapse if it is promoted without a few years. Shang Yang's reforms to the city gate and reward the first person who carried the pillars as a model. Although we should set a model for opening a bank, this model must follow the rules when it was first established."

Li Shimin thought even more and pondered: "I probably understand that this is a protective limit. Even if the bank urgently needs to set up a model, it cannot break the rules of lending money to others. For example, what Ziyang Immortal Master said just now, how capable a person can bear the responsibility. This man is in poverty and despair, he is absolutely not qualified to borrow 10,000 yuan. If he lends him 10,000 yuan to set up a model, it is equivalent to the bank having already buried the disaster before it even started."

"Yes!" Li Yun took a breath and laughed in a low voice: "If a poor person borrowed 10,000 yuan today, there will definitely be other poor people who want to borrow so much in the future. However, ten thousand yuan is not very meaningful for the poor. It is not that they are afraid that they will not pay back the money, but that they cannot maximize their effectiveness."

Li Shimin nodded in agreement.

At this time, the ancestor spoke again and said to the man: "You are qualified to borrow ten cents. Do you want to borrow this money?"

The questioning sounds were very kind, giving people the kindness of the elders encouraging the younger generation. Although the ancestors looked as young as children, everyone had the illusion that this was my grandfather.

The man also had this illusion, but hesitated on his face. After a long time, he said, "I can't figure out why I have this qualification. Ten coins of money are not a decimal, how could I lend it to me for nothing?"

When his three children were killed, he wanted to borrow hundreds of cents of money but could not borrow them. Now some people say that they could borrow ten cents of money to him. This strong contrast forced him to hesitate.

After all, ten-shen money is really not a decimal, and it is almost equal to ten thousand ci. How could a person who once was not qualified to borrow hundreds of cigarettes suddenly borrow ten times more money?

"Hahahaha!"

The ancestor suddenly laughed and said leisurely: "It is a good thing that you hesitate, but as the head of the Li Bank of Bohai, I will not have any deviation in what I say. If you have the qualification to be ten-minus, you will have the qualification to be ten-minus."

This aroused everyone's curiosity, and even Li Shimin couldn't help but prick up his ears. Only Li Yun knew everything, so he just hid in the corner and kept silent.

The man was obviously a loyal and honest man. He suddenly bowed his hand to the ancestor and said, "I dare to ask the shopkeeper if you can make it clear."

"Can!"

The ancestor nodded without hesitation.

After nodding, his tone was calm and he said he wanted to explain it to someone. However, he actually asked a question and asked the man: "I will ask you three questions first. These three questions are the origin of your qualifications. The first question is, what is your identity now?"

What is my identity now?

The man was stunned and didn't know how to answer for a moment. This question was too broad and it was really difficult to answer. Asking someone's identity, there were actually many answers, such as answering that he was a farmer, for example, answering that he was a husband, answering that he was a father, or answering that he was a civilian.

Li Yun suddenly spoke and hid in the corner and said, "This man's identity is very simple. He is now a commoner in Bohai City. He not only established a household registration, but also had a family."

"good!"

The ancestor nodded and praised, as if he was very satisfied with Li Yun's interruption, the 'live guy'. The man was guided by Li Yun and nodded and replied: "What the guy said just now is right. I am a commoner in Bohai City, with a household registration and a family."

"good!"

The ancestor praised again, as if several people were satisfied, and suddenly said: "The second question is, are you a person who is trustworthy?"

This time, without Li Yun's guidance, the man straightened his chest and said loudly: "Although I, Tian Qi, is poor, I have never cheated me, and I spit on one's mouth or a nail. If I don't even talk about faith and righteousness, then what's the difference between it and a beast?"

"good!"

The ancestor still praised and then asked the third question, saying: "The last question, are you short of money? Why are you short of money, what is the use of borrowing money?"

"This..." the man hesitated.

This last question is actually a third question.

Fortunately, the ancestor did not seem to ask for his answer. The ancestor himself suddenly smiled and said, "You are short of money, very short of money. Why are you short of money? Because of poverty. As for what purpose it is for borrowing money, I already know your desire here."

The man was stunned and looked at the ancestor.

The ancestor smiled again and said leisurely: "First of all, your sick wife is the root cause of the collapse of the beam of the house. If you are cruel and ruthless, you can drive away your sick wife, but you are loyal and honest, you must want to cure your wife. Therefore, the first purpose of your borrowing money is to get medicine."

The man couldn't help but nodded, and everyone in the room couldn't help but nodded. They were all loyal and honest people, and they all felt that the ancestors were right.

Only Li Shimin was looking forward to it, clearly waiting to hear the next purpose. The emperor heard it clearly just now, and the ancestor used a word called "first".

Sure enough, I heard the ancestor say again: "There is another purpose. You borrow money to make money."

Borrow money!

make money!

This seems to be a thing of the same origin.

Only after having the principal can you do the money to make money. Li Shimin was a little disappointed with this purpose. The emperor thought that the ancestor could tell what profound uses it.

But the man looked longing and couldn't help asking the ancestor, "Do you know what I want to do?"

"Hahahaha!"

The ancestor smiled mysteriously and said lightly: "Of course I know, it's written on your face."

The man was stunned again.

However, the ancestor did not explain this, but suddenly returned to the topic just now and said warmly: "I asked you three questions just now. In fact, it is your qualification to borrow money. I see that you still don't understand, and everyone present doesn't understand either. Since that's the case, I will talk about it in detail."

The man quickly stood upright, and the curious people also calmed down. Even Li Shimin subconsciously stretched his neck and raised his ears and waited with eyes. The emperor himself didn't know how cute he looked like.

Li Yun was so worried that he wanted to laugh, but he was afraid of being beaten up by Li Shimin.

But the ancestor was breathing a breath and said to the man: "I just asked you about your identity. You said you were a resident of the Bohai Sea. This alone is in line with the rules of bank lending. All the people of the Bohai State are qualified to borrow from the bank. However, there are many ways to borrow, so I asked the second question: Can you be trustworthy? You have to answer solemnly and have a clear and pure look. So I determined one thing from this: The way you borrow money from the bank is credit loan."

These words have actually been a bit of later generations, but the ancestors tell them at once, and Li Yun was amazed in the corner. What he lacked is the ability to popularize knowledge.

The man clearly understood and couldn't help but say, "Credit loan?"

"Yes, credit loan!" Zushiye nodded and said, "This is a loan name. You can keep it in your heart. Bohai Li's Bank can lend the world loan. There are many ways to borrow. This kind of credit loan is the most suitable method for you. As for other mortgage loans, guaranteed loans, one requires property rights, and the other is the loan money is relatively large. I know that you still live in a mortgage courtyard, so it is not suitable for mortgage loans and guaranteed loans."

These words are closer to later generations. However, because everyone can understand the preparatory preparations, the man even understood it a little further and couldn't help but blurt out: "I thought that my courtyard mortgage is also a loan, which is the king's benevolence and righteous decree, and it is actually a kind of loan to others. But what he lent was a house, allowing us to pay it back slowly throughout our lives."

"Yes, it's a child who can teach you!"

The ancestor nodded slowly and praised the man very much.

Then he picked up the ten strings, raised his hand and held it in his palm. His eyes were still dark and dull, but the man saw his desire.

"Do you dare to borrow this person now?"

The voice of the ancestor was like a breeze that pushed the sails.

The man did not hesitate and finally nodded.

The bank's first business has been successful since then, and has not only established typical examples but also popularized knowledge. The most important thing is to standardize the charter for borrowing money.

Borrow whatever qualifications you should have.

Li Shimin was deeply convinced by what he saw, and this matter can be completely learned from the way of governing the country.
Chapter completed!