Vol 5 Chapter 23: Bancassurance

Jing Xiaolou entered the private room and smiled when Luo Feng hadn't said a word. He smiled and patted Luo Feng on the shoulder and said, "Brother Luo, you really admire your name for a long time!"
"Where and where... Brother Jing is our role model..."
Luo Feng was still polite, but he heard Jing Xiaolou exclaimed: "Back then, I stole my father’s Zhen Yaojian and gave it to a passing brother. People in Yuzhong said that I was the number one prodigal son in the world, but with you Compared with the grand scheme that my brother bought to build the ancestral tomb in Mount Emei, it’s a little insignificant!"
Luo Feng felt this upset. He said that I bought Emei Mountain to build an ancestral tomb for cultivation. Can you give a passerby the sword your father brought down from the heavens?
"Brother Jing is polite. Isn't it easy to overtake me?"
Luo Feng smiled and said: "I heard that my father wanted to worship Shu Mountain when he was young, but he didn't get his wish. Brother Jing simply bought Shu Mountain to build the tomb of the Jing family's ancestors. Not only did he realize his dream, but also the name of the family.
Jing Xiaolou said: "It's a really good idea, but it's a pity that the Taoists of Shushan probably won't sell it, haha..."
The two hit it off at first sight, and reached a consensus on the prodigal, both of them were pleasing to the eye.
Jing Xiaolou is also a humorous person with a detached personality. Even though he is over 40 years old, he is like a young man with witty words and affinity, and he is close to anyone.
This is also the skill of the merchant family heirlooms. Business people have always made money in harmony, and can deal with the three religions and nine liu, and will not easily offend people.
The two ridiculed a few words, and the embarrassment of the first meeting was quickly eliminated. Jing Xiaolou returned to the subject and said: "Why does Brother Luo look at my broken pawnshop? I heard from the shopkeeper Zhao that you want to buy all of my properties? "
"Yes, just as he said." Luo Feng nodded and said, "Brother Jing make a price."
"Sorry, my broken pawnshop is priceless."
Jing Xiaolou shook his head and said, "Brother Luo, with your family's financial resources, you can probably afford whatever price I offer, so I can only say'not sell'."
Luo Feng frowned slightly. Before asking, Jing Xiaolou patiently explained: "Brother Luo, the storefront of my pawnshop and the antique treasures in the store are not worth much. But the three words'Xin'andang' are priceless. It is the old brand of integrity that my father has worked hard to achieve throughout his life. Shuzhong and even the world recognize these three characters. If I sell these three characters, when my mother returns, they will kill me alive."
Luo Feng smiled and nodded and said: "Brother Jing looks like a prodigal, but in fact he is a mirror in his heart, but he really understands the way of business. To be honest, I just rushed to the brand effect of Xin'andang, and how much money I paid was to buy This name is passed down to the world."
"You want to buy, but I don't want to sell it. A deal is impossible."
Jing Xiaolou smiled and shook his head and said: "However, business is not righteous. Today, my brother is going to be an affair, and I also invite Juxianlou to talk about it. My brother Luo and I hit it off right away, so I might as well make friends."
When someone else refuses to sell, Luo Feng naturally has a hundred ways to make his family go bankrupt, but the second generation of immortal refuses to sell, Luo Feng cannot act rashly. After all, he has a pair of parents in the realm of immortality, and A group of uncles and aunts at the pinnacle of the human world.
"Hey..." Luo Feng sighed with a bitter face: "The business has not been done, so I don't want to eat wine. That's it, I also ask Brother Jing to stay. The younger brother feels uncomfortable, so let's say goodbye."
With that, he got up in despair and staggered out.
Jing Xiaolou was taken aback and couldn't help but said, "Brother Luo, what the is this? It's just that the business hasn't been completed. It's just making less money. As for?"
Luo Feng waited for him to say this. He immediately jumped up his acting skills, turned around and smiled bitterly: "Brother Jing, the family business inherited by the little brother is billions of dollars. No matter how bad this life is, I will not lose. I still care about making more and less. Am I sorrowing for the people of the world and sighing that no one can save the people's suffering."
Jing Xiaolou was no longer the snot baby who was tricked away by passers-by from Zhen Yaojian. Although his generous personality has not changed, his mind is more delicate, and his half-life Shanghai is also more mature and sophisticated.
He couldn't figure out what the relationship between Xin An Dang and the people of the world and the people of Li people was. Hearing what Luo Fu Shao said, it seemed that if he didn't sell him Xin An Dang, the people would suffer.
After hesitating for a moment, even though he knew that the surname Luo was using speech skills, Jing Xiaolou couldn't help but ask: "What does Brother Luo mean? Please elaborate!"
"In fact, I don't want to buy Xinandang, but to invest in shares and cooperate with Jing brother."
Luo Feng turned back and said, "Brother Jing only needs to be famous for paying the money. What the younger brother likes is the reputation of the old Xin'andang brand that spreads the reputation of being a childless man in the world. Such a reputation with credibility. To open a pawnshop is really overkill. Only when you open a bank and an insurance company can you contribute to the national economy and people's livelihood, and benefit the common people."
Jing Xiaolou scratched his head and said, "How can opening a bank be beneficial to the national economy and people's livelihood? Then what is an insurance company?"
Luo Feng patiently said: "Brother Jing, my Da Song is rich in the world, and private commerce is extremely prosperous, but I have always been troubled by the'money shortage'. During the Qingli years, there was a'money shortage' in Jianghuai. 'Today, the outflow of copper coins continues, and the situation is deteriorating. In a few years, I am afraid that there will be an economic crisis of'expensive goods but little money, and market depression'."
Jing Xiaolou asked inexplicably, "Can the problem of money shortage be solved by opening a bank?"
"It can't be solved by opening a small bank, but it can be solved by opening a bank that spreads all over the world's largest bank!"
Luo Feng explained: "The shortage of money in the current dynasty was not because of the lack of money, but because the money did not circulate. The wealthy households hoarded copper coins and the warehouses were rotten to the point that the ropes were broken, but the people suffered from no money. We can open a bank with interest rates on deposits and a guaranteed reputation. We can take money from rich depositors and lend it to the poor to start businesses at low interest rates. This can not only solve the problem of money shortages, but also support the poor to start businesses and earn a living."
Jing Xiaolou couldn't help but ask: "How can the wealthy family destroy the coin casting device?"
"My little brother has several copper mountains overseas. By then, we can transport copper ingots back to stabilize copper prices, so that those who ruin the money will be unprofitable."
"The insurance company, as the name suggests, is to calculate risks and allow the people to invest a small amount of insurance fees on weekdays. If they encounter a disaster, they will pay large sums of money to make up for the disaster to save the people."
Luo Feng continued to explain: "The most troubled by the people of the Great Song Dynasty is the monsters that haunt the countryside. People often die at the mouth of the monsters. There are monsters in large households. The "Demon Insurance" launched by the company can help the people. Worry. In addition, the company has also spent a large sum of money to establish the
Funding for Demons and Elimination of Demons
, rewarding heroes who are able to reduce demons and eliminating demons, and subsidizing the people suffering from demons. Isn’t this just for the welfare of the people?

When Jing Xiaolou thought about it carefully, he couldn't help but feel that Luo Feng's commercial operation plan had some meaning, and he wanted to mix it up when he was moved.
He is not trying to make money and grasp the lifeline of the country’s economy. He is a financial capitalist. As a descendant of the Jing family, Jing Xiaolou has a chivalrous heart and does not want to be a second-generation ancestor under the protection of his parents forever. His own business, like his parents, has become a hero and heroic businessman praised by the people.
There is also a slight difference between the Great Song in the Fairy Sword World and the Great Song in reality. It is not an official who can bully everything. In this extraordinary world of gods and immortals, people do not fight against officials, and officials do not fight against immortals, let alone Immortal, even if it is a great martial artist, the government can't afford it.
If a private bank opened a bank without an immortal background, the government would naturally take care of it, but like Xin'andang, with several immortal merchants standing behind it, the government could only stay away.