It's not scary to travel through a book, you can change your fate as a cannon fodder by yoursel

I won't go into details about the examination process, but it is cause for celebration that the modern college student Weng Xiaoxiao has finally passed the examination and obtained the qualification of a scholar in the other world.

Thinking about the long road to the imperial examination and the identity issue, Weng Xiaoxiao completely gave up on the subsequent exams and decided not to enter the county school. He decided to quit while he was ahead and stop there.

Ouyang Hua and Tian Runze were both studying at the provincial school, so we could only celebrate when they returned home.

Weng Xiaoxiao was busy with the exam, so she sent Feng Gu to keep an eye on the changing situation. The Prime Minister had fallen long ago, and the purge in Jiangnan was still ongoing.

The young emperor was afraid of political instability, so he did not implicate too many people. The capital only wiped out the prime minister's diehard team, and the rest were mostly given minor punishments as a warning.

Jiangnan was the base camp for the prime minister to amass wealth. It was originally a rich place, and if you look closely, not many officials were clean. Based on the principle of punishing the chief culprit, a number of corrupt officials were dismissed.

In essence, it is just a change of power.

Fenggu liked this job very much and often went out with the land agents to see the fields and negotiate prices.

March in Yangzhou is the best time for scenery. You don’t even need to go to any scenic spot, just pick any one and they will be picturesque.

However, Weng Xiaoxiao had limited money and wanted to buy large tracts of land for easier management, so it was not easy to find a suitable one.

It was not until Weng Xiaoxiao finished the exam that Feng Gu selected two more suitable places and waited for her to make a decision.

A small farm with a hundred acres of fertile land, mostly paddy fields, is priced at two thousand.

There was another place with few paddy fields and more dry land, with a small hill with some fruit trees planted on it. The price was cheaper, at one thousand five hundred taels.

Good farmland that can be used to grow rice is naturally expensive, but it is worth buying. There are not many such farmlands for sale in one piece, so Weng Xiaoxiao prefers this one.

The reason for the hesitation was that Weng Xiaoxiao did not have two thousand taels in her hand. Including the one thousand taels brought by Feng Gu, there were only one thousand six hundred taels at most.

Even if I gave the broker enough incentives, I only lowered the price to 1,900 yuan. Moreover, I had to get a reply within two days, otherwise I would have to find someone else.

The gap of three hundred taels is not a small amount.

I'm not that familiar with the bookstores here, so I can't get an advance on my royalties. The national mourning hasn't ended yet, so we can't perform operas, and the scripts can't be sold at high prices.

There was really no other way, so Weng Xiaoxiao took the house deed to the money house. She needed to borrow money.

If the other party wasn't in a hurry to sell, the farm could be sold for at least 2,500 yuan. Feng Gu had a good relationship with the agent, so she was able to grab the purchasing rights. There was no shortage of buyers.

But after going to several money houses, all of them only agreed to lend 200 taels, and Weng Xiaoxiao refused. If the loan was not enough, the matter could not be done, so where could she get the remaining 100 taels?

It would be a lie to say that she was not discouraged, but she did not want to go back just like that. With her last hope, Weng Xiaoxiao went to a new money shop that had just opened on this street.

......

"Sir, do you want to deposit money or borrow money? We can also get interest on depositing money here, unlike the previous money houses, which charge a storage fee for depositing money."

and many more……

Could it be that this new bank was opened by the hero for King Tuo? The heroine is a time traveler who gave the hero advice and opened a bank in the style of a modern bank to raise funds for the rebellion.

Weng Xiaoxiao deliberately said: "Is there such a thing? I don't believe it!"

The clerk smiled and said, "You can try to deposit some money. Even if it's only one or two taels of silver, we can handle it. With such a big shop here, are you still worried that this one or two taels of silver will go down the drain? We have branches in Beijing, Hangzhou, and Suzhou."

Weng Xiaoxiao nodded. The protagonist's shop was profitable, so she was not afraid. "Oh, oh. I only wanted to do one thing today, but after hearing what you said, I want to do two. Please ask your shopkeeper to come out. You can't make the decision on this matter."

The young man was not very tall, but he spoke in a sophisticated way. The waiter did not dare to neglect him. He asked Weng Xiaoxiao to sit aside and wait for a while, and went to the back hall to invite the shopkeeper.

"Hello, young master. I am the owner of this bank."

Weng Xiaoxiao stood up and returned the greeting.

"Boss, I'm here with the house deed to borrow money, but I heard that your bank is different from other banks, so I became interested. I want to ask if we can hire anyone?"

"Borrowing money is easy, just follow the rules. The new store is naturally short of staff, what is the young master good at?" He Liang sat down.

Weng Xiaoxiao worked as an actuary in her previous life, but she had only been in the industry for a short time and had not yet obtained an actuary certificate. Now she is working in a bank, which is a good match for her. (Actuaries are professionals who deal with financial risks. They use mathematical, economic, financial and statistical tools to deal with uncertain and unknown events related to insurance and reinsurance companies.)

"I'm good at using the abacus and doing actuarial calculations. I think banks need people like me."

“What is actuarial science?”

"How much interest do you pay to depositors? What kind of business can maximize the use of the deposited money? How much cash reserves can ensure the safety of lending? These are not things that can be determined by anyone on a whim. Naturally, they need to be based on data, right?"

He Liang looked at Weng Xiaoxiao deeply. Even though he had been working for 20 years, he just figured out the profit model of the new bank. But how could this young man understand it in just a few words?

He was puzzled but didn't show it on his face. "Don't lie in front of people with discerning eyes. Young Master is absolutely right. Money houses really need to rely on data. Young Master is very talented, so we need our boss to make arrangements."

Weng Xiaoxiao smiled. Of course, the shopkeeper could not make the decision on this matter. Actuaries were there to make decisions for the top management.

"No hurry. Let me first tell you about my loan. This is my house deed. I want to borrow three hundred taels."

He Liang took it and looked at it. There was no problem with the title deed, but he could only borrow 200 taels at most.

Before He Liang spoke, Weng Xiaoxiao said, "Boss, I've been to several banks and know how much I can borrow. Since we may be colleagues in the future, I'm willing to tell you what I want to borrow the money for."

He Liang did not interrupt Weng Xiaoxiao and motioned for him to continue.

"I am planning to buy a small farm, and I am short of three hundred taels for legitimate use, so you don't have to worry about me not being able to pay it back."

It is inevitable that there will be bad debts when running a bank, but we must eliminate all opportunities for bad debts. He Liang thought for a while and said, "Young Master, the bank must follow the rules. This house deed can only lend out 200 taels. However, I can personally lend you 100 taels, with the same interest as the bank."

For a stranger, this was like pie in the sky. Weng Xiaoxiao was pleasantly surprised and quickly stood up and saluted. "Thank you very much. You can ask for anything you want, boss."

He is not a living Lei Feng, so naturally he has something to ask for.

He Liang smiled. He was very good at judging people. This person would not default on his debts. Maybe he was his benefactor. "No request. I hope that you will become my new colleague soon. Then we can help each other."

This person has a long-term vision and is probably certain that the employer will hire her. Helping each other among colleagues is mutual, and there will be no problem as long as it does not violate principles.