Chapter 137: Learning About Loan Business From Playing Board Games

Xiao Yunzhou would never admit that he was snatching toys from his sons.

"I just checked their toys to see if there was anything wrong with them and pointed out some mistakes."

He sat opposite Sanda and soon thought that it might not be nice for two of his sons to play with each other.

"Wei Zheng, come too."

"!"

Soon, Xiao Chuchu was held by Xiao Yunzhou himself, and he teased her while playing.

Xiao Yunzhou actually gave some suggestions, "This map is made of rice paper, which is too easy to damage. Wei Zheng, ask the Imperial Household Department to make one with colored glaze."

"And for this card, don't use paper, use wooden cards instead, and paint them in different colors. Make the silver into the shape of the bills of Jingguo Bank, and the smaller denominations into the shape of ingots."

"The trading items of this mutual market, rice, cloth, horses, sheep, etc., are all carved into miniature versions of wood."

Sanda's eyes lit up when he heard it.

[Oh, is this the correction that the emperor father said? I thought he could find the improved way to play the rich man. As a result, it was made into a luxurious palace version set, haha~]

Xiao Chuchu was happy.

"..." Xiao Yunzhou was silent.

Was he laughed at by the fairy girl?

Well, he was waiting for the little princess to grow up so that she could play without dirtying her fingers.

Otherwise, the rice paper cards made by Liupin and Minpin would be full of ink.

After playing for a long time, their fingers were all black.

After a while, the chessboard map of the rich man was all wrinkled.

He was reluctant to let his daughter suffer this grievance.

Xiao Yunzhou took a deep breath and looked down at the little conscienceless fairy girl.

[But the emperor father has a set of board game props, so good. ]

[If this version is good-looking, I want to collect it. ]

Xiao Chuchu was even happier after thinking about it.

When she grows up, she can play it too.

[The first set of rich man has commemorative value, I want to take it for myself, hehe. 】

【This kind of thing that will make you lose your ambition, the emperor father is right, my brother can't play it, so let me sacrifice it. 】

Xiao Yunzhou didn't know whether to laugh or cry, his mind was attracted by his daughter's voice.

Accidentally, he walked to Sanda's land.

"Hahaha, pay the rent, big brother!"

"..."

After half a round, Xiao Yunzhou was unlucky and walked to Sanda and Wei Zheng's land repeatedly.

He also walked to the grid of random events, lost money and was robbed.

His land rent collection was also not smooth, and after a while, he became the poorest on the field.

Xiao Yunzhou's face gradually became ugly, and Wei Zheng was sweating.

Only Sanda laughed the happiest, not afraid of Xiao Yunzhou's face.

"Big brother, you are not good at playing games." Sanda mocked cheerfully.

【Awoo, a bunch of chickens. 】

Xiao Chuchu watched half of the game on the spot, and forgot about "watching chess without saying a word", and couldn't help but start to give advice in her heart.

[Naughty, just one word. 】

Xiao Yunzhou's mouth twitched.

Although he didn't understand what naughty meant, his daughter's tone of voice didn't seem to praise him.

Xiao Yunzhou's ears turned red, and he didn't want to play on the spot.

But soon he heard his daughter's voice of advice.

[This kind of board game depends partly on luck, and partly on the player's strategy and calculation~]

Xiao Chuchu had some experience, so she wanted to show off.

[The winning or losing of the rich man is strongly related to the player's early and mid-term investment strategy. 】

[Imagine yourself as an investor. When buying land in the early stage, you should pay attention to the land price, rent, and investment return rate of the upgrade cost. You should also pay attention to their distribution location on the map, such as near banks and trade markets, which is more preferred. 】

[It's not the most expensive. 】

Xiao Yunzhou was stunned.

What his daughter said reminded him of the "finance" knowledge in the fairy world before!

Xiao Yunzhou's eyes were shaken. He didn't expect that the game that Liu Bin came up with also contained the practice of financial knowledge?

[In addition, you should always pay attention to cash flow, don't invest blindly, and don't put all your eggs in one basket. ]

[Moreover, conservative players who only want to be landlords will find it difficult to grab the first place. ]

[Sometimes you have to be aggressive, such as Cheng Shan, who bought low-priced horses when he rushed to the market, and when the price doubled to five times, it would far exceed the rental income. ]

"......!" Xiao Yunzhou's ears were hot. So, he didn't have an investment strategy like Cheng Shan, who was delicious?

[Aw, Cheng Shan is quite business-minded. ]

Xiao Chuchu really thought of it.

[Be bold and start when the time is right. ]

Xiao Yunzhou hissed.

[But it's a pity that my mother didn't make the loan function of the bank. ]

Xiao Yunzhou raised his eyebrows, loan?

[This can’t be blamed on my mother,] Xiao Chuchu didn’t notice her father’s abnormality and continued to talk hard, [Because my father, the emperor, didn’t perfect the functions of Jingguo Bank, my mother naturally couldn’t do it in the game.]

[In addition to deposits, banks also have loan services.]

“!”

Xiao Yunzhou’s eyes were shaken.

[Where does the interest on people's deposits come from? Most of them come from banks taking these funds and investing them in other projects, or from loan interest. ]

Xiao Yunzhou suddenly came back to his senses and looked at the wrinkled map of the rich man again. The money bank in a prominent position on it.

In an instant, he was enlightened!

No wonder he always felt that something was strange when he first started playing.

This money bank, he just passed by the map and didn't want to go in.

Because the interest income from deposits is not as high as the income from buying low and selling high in the market!

So that's the problem.

Xiao Yunzhou finally knew that the money bank in the rich man's house was not used to save money, but to lend to players!

He could borrow money to buy land and horses, and pay it back when he made money.

[Speaking of which, when can the emperor father get the loan business of Jingguo Money Bank out? ]

Xiao Chuchu was dozing off and feeding before, dominated by the high needs of the baby.

And from time to time, the system sent a skill to interrupt.

Now, she remembered the important matter of the bank's loan business!

[Some officials and common people have just arrived in the capital and do not have enough money to buy a house, so Jingguo Qianhang can lend them money. ]

[The interest rate is higher than the deposit, but not much. ]

"!" Xiao Yunzhou realized.

So that's it. If the money bank is managed properly, the money bank can theoretically run on its own.

While collecting loan interest, it also pays deposit interest.

The money bank does not need the Jingguo Treasury to worry about whether it can pay back the interest on time!

[In addition, it can also provide commercial loans to some merchants who want to start a business. ]

Xiao Chuchu pondered.

[But pay attention to the qualification approval of merchants. ]

[The money bank must also prepare a certain amount of bad debt reserves. ]

"!" Xiao Yunzhou suddenly realized.

He always forced the Ministry of Revenue to think about making money before.

But this is wrong. There are only a few people in the Ministry of Revenue. The strength of a country ultimately depends on the strength of the people.

If all merchants in Jingguo make a profit, will Jingguo still worry about not having income?

Merchants who have no money temporarily but have investment vision like Chengshan should get the support of Jingguo Money Bank!

Give them the opportunity to make money!

[Well, if the money bank can open housing loans and commercial loans in this way, the emperor and Uncle Jiang of the Ministry of Revenue will not have to worry about not being able to pay back the people's principal and interest when it expires. ]

Yes, that's it!

He must quickly let Jiang Li play this rich man.

Xiao Yunzhou stood up.

If Jiang Li is stupid and can't figure out the loan strategy from this board game, then he, the emperor, can only work hard and teach him after a game!

Xiao Yunzhou was excited when he thought about it, and slapped the table hard, shaking all the rich man's cards away.

"???" Sanda glared, "You are playing tricks, big brother, you are about to lose and you don't admit it!? Destroy evidence?"

Xiao Yunzhou: "...cough."

Is he that kind of person?

But just as he was about to open his mouth to announce the people from the Ministry of Revenue, he heard the guards outside report.

"Your Majesty, the cabinet Fu Cha and Shen Mian are asking for an audience."

Sanda looked unhappy.

But Xiao Yunzhou was happy, "Call them in, and call all the six ministries to me."

"Wei Zheng, quickly find a few eunuchs who are good at writing, and make three sets of rich man playing cards urgently."

"I want to play with the cabinet, the six ministries, and my brother Sanda!"

What?

It's time to discuss matters.

Play, what cards?

Xiao Yunzhou's words shocked Sanda, who was reluctant to leave but was about to leave, and the two cabinet masters Fu Cha and Shen Mian at the door.

The cowpox seemed to be planted on the emperor's forehead!

The prince is fine, the emperor is stupid!

"Brother, you are still brave." The bystander Sanda admired him.

Xiao Yunzhou: "..."