Frontier Army Warrior

Chapter 336 The Silver Bank That Lost Money

The first one who couldn't sit still was Lin Tong. He regarded the Qingshui area as his own family property.

After all, it is his nephew who is in charge.

He hurried to see Lin Feng and asked before he even sat down.

"My Lord Viscount, are you too short of money?"

Lin Feng held up the teacup and smiled, "Yes, the construction of the entire area requires a lot of money. No one is more anxious than me."

Lin Tong slapped the armrest of the chair.

"It doesn't matter if we are short of money. We can find a way to borrow from other banks. With the reputation of Qingshui, it's no problem to borrow more."

Lin Feng shook his head: "Borrowing money, the interest is too high, I can't pay it back."

"You can't just save money and pay people interest, that would be a huge loss."

Lin Tong stared at the young nephew in front of him.

Lin Feng took a sip of tea and spoke slowly.

"Why did I lose money?"

Lin Tong swallowed his saliva.

"You can't go wrong if you listen to me. You're the boss in a fight, but when it comes to business, you have to listen to your uncle. I've been in business for half my life, so I can't cheat my own people."

Lin Tong was really anxious. He had never dared to call Lin Feng his uncle, but this time he didn't care.

Lin Feng didn't correct him, but just waved his hand gently.

"Just focus on your business, and don't forget that I still have a loan to pay back. If you can't pay it back, don't blame me for being angry."

Lin Tong blinked and was stunned for a moment.

"Don't blame me for not warning you. We can't do this, or we'll lose the castle."

"Okay, go and do your work."

Lin Feng was already getting a little impatient.

Lin Tong could only shake his head and sigh, then got up and left.

The second person to come to see Lin Feng was Wen Cheng.

He spoke hastily without even sitting down.

"General Lin, there's something wrong with the way you run this bank. Just paying interest on deposits isn't right."

Lin Feng smiled and gestured to Bai Jing to bring tea to Wen Cheng.

"What's wrong, Master Wen, please speak slowly."

"General, regardless of how much interest you're offering, according to general rules, those who come to keep money need to pay a certain amount of storage fees. If we were to offer interest, it would violate business practices and would only lead to losses."

Lin Feng nodded: "Anything else?"

Wen Cheng took a sip of tea and said, "Also, if you put up a notice offering interest on deposits, I don't think anyone would believe it and wouldn't dare to come and deposit money."

Without waiting for Lin Feng to speak, he continued to argue.

"The purpose of opening a silver shop is nothing more than to make money. So, General, what is the purpose of giving interest to depositors?"

Lin Feng waited until he stopped talking before smiling.

"The purpose of a silver shop is naturally to make money, and the main source of income is loan interest. The silver shop pools the silver and lends it to businesses in need, earning interest from it. This is much higher than the interest we pay to depositors."

"Excuse me, General, this goes against the norm. Who would dare to deposit money, and who would come to borrow money?"

Lin Feng didn't answer his question, but asked instead.

"Master Wen, is this your own opinion or..."

"General, this is the opinion of the members of the parliament, and we have communicated with them."

Lin Feng smiled. "Okay, I admire your attitude and principles. The purpose of establishing a parliament is to prevent our policies from making mistakes."

Without waiting for Wen Cheng to breathe a sigh of relief, Lin Feng continued.

"It's just that the owner of Qingfeng Silver is Bai Jing. I'm just endorsing their silver shop. Their main business operations are all determined by themselves and have nothing to do with our council."

Wen Cheng was stunned for a moment, then frowned.

"General Lin, can we, in our personal capacity, advise you to reconsider your actions?"

Lin Feng nodded: "Of course you can, but if I endorse it, Lord Wen, do you dare to deposit the remaining money in your family into the silver shop and earn some interest?"

Wen Cheng thought for a moment and said, "With General Lin's endorsement, I can rest assured that I can deposit money in the bank."

Lin Feng spread his hands: "That's it."

“Who will come to borrow money then?”

Lin Feng looked very proud: "Master Wen will know when the time comes."

Wen Cheng stood up and bowed with some disappointment.

"In that case, I wish Qingfeng Silver Industry a prosperous opening and a huge profit in advance."

"Thank you, Master Wen."

This time it was Bai Jing who returned the gift to Wen Cheng, while Lin Feng sat there without moving.

After Wen Cheng left, before Lin Feng could pick up the teacup, another soldier came in to report.

"Report, General, a man who calls himself Mo Yong wants to see you."

Lin Feng was stunned and frowned in thought.

Bai Jing quickly reminded him, "Brother, it seems that General Cui Yong's military advisor is called this name."

Lin Feng nodded slightly, as if thinking about something.

"Invite him in."

After a while, Mo Yong walked into the house and bowed with a smile.

"General Lin, I'm so proud to ask for an audience."

Lin Feng stood up, nodded and smiled at him.

"Mr. Mo, you're welcome. Please take a seat."

The two sat down and Lin Feng gestured to Bai Jing to serve tea.

After a moment of silence, Mo Yong finally spoke.

"I served under General Cui. Although I repeatedly urged him to cooperate with General Lin, I was repeatedly blocked by Song Yi and others. However, the general was clueless and believed the instigation of Song Yi and others, which led to his current situation."

Lin Feng didn't say anything, just looked at Mo Yong quietly.

"Just a few days ago, I urged the general to take a detour and camp in the hinterland of Zhenxi to avoid a conflict with General Lin. However, his advice was still not accepted. I was disheartened and had no choice but to abandon the general and leave."

Mo Yong looked guilty, sighed and continued.

"Mo has spent half his life studying and pondering current affairs. I don't know everything about people's hearts, the court, and the current situation, but I do have some understanding."

He looked very confident and his voice became louder when he talked about this topic.

"I came to Lingdouzi Castle from the border army camp, hoping to find a quiet place to spend the rest of my life. However, I didn't expect to discover General Lin's talent along the way."

Lin Feng then smiled slightly: "Oh, how did I become such a great talent?"

Don't raise your hand and circle your fingers.

"Not to mention General Lin's godlike military prowess, the governance of this city, the people's support, and the harmonious relationship between officials and the people, if he didn't have extraordinary talent, how could he have accomplished such an extraordinary feat?"

"Haha, Mr. Mo, you are too kind."

Mo Yong shook his head: "The border army's defeat was not unfair, the provincial army's defeat was not unfair, and the Tartars' defeat was even more predictable."

Bai Jing couldn't help it.

"Mr. Mo has been praising me for so long, what's the point?"

Mo Yong smiled casually: "I am here to surrender. If I can get some help from such a genius, I hope to make the Qingshui area more prosperous."

Without waiting for Lin Feng to speak, he continued.

"Especially when Mo heard about the terms of Qingfeng Silver, he was amazed. Don't underestimate this turning point. It will be an epoch-making change. It's amazing..."

Bai Jing stared at Mo Yong in surprise.

This is the first person to say yes since the Yinzhuang terms were announced.

Lin Feng also admired Mo Yong's vision and strategy from the bottom of his heart.

Looking at the man again, he has regular features and a righteous look on his face.

Although he used to be the enemy's military advisor, judging from this conversation, he is a very upright person.

"Haha, good. Lin Feng feels honored to have Mr. Mo's help."

Mo Yong was also a scholar from a large clan. He failed in the imperial examinations many times and was recommended to Cui Yong.

This person is quite knowledgeable and has broad insights, and is exactly the talent that Lin Feng needs.

Afterwards, they let go of their worries and had a pleasant conversation.

Finally, Mo Yong was immediately appointed as the chief manager of Qingfeng Silver Industry, responsible for the daily business operations of the silver industry.