Datang: Angry at Li Er, he still begged me to come out of the mountain

Chapter 83 A Different Bank
If slavery education is done well, things will be simple afterwards. A small number of people have received absolute benefits, and the army of the Tang Dynasty is also standing there. Who dares to mess around?

In addition to the plans for the acquisition of appearances mentioned earlier, they can also be carried out at the same time.

Fang Xuanling and Du Ruhui glanced at each other, they couldn't help nodding their heads in approval, this is indeed the best solution.

"People can handle it, but what about money?"

The ball came back again, "The Turkic side can't wait, if it slows down like this, I don't know what will happen, and it will cost a lot of money all at once, what can we do?"

"Then it's time to see if your majesty and the chancellor's means are strong enough." Jiang Yunqing said after thinking for a while.

"Fang Xuanling is fine."

"Uncle Fang, are you so sure? Do you know Fang Xuanling himself?" Jiang Yunqing glanced at Fang Xuanling and asked.

"Then what."

Fang Xuanling stuttered for a long time before he came up with an excuse and said, "Brother Fangshu Ye, tell the truth today, Fang Xuanling and I are brothers, and he is my cousin. If it weren't for this relationship, Do you think your words can reach His Majesty's ears? Can you help your father-in-law get a title and an official position?"

"No wonder, no wonder you all like to talk about important national affairs. It seems that you all have Beijing." Jiang Yunqing said suddenly, "You two uncles, come with my nephew."

After speaking, Jiang Yunqing brought Fang Xuanling and Du Ruhui to a warehouse in the back garden. The door of the warehouse was opened, and he saw that there were piles of copper coins inside, at least thousands of coins.

"You two uncles, look, I just keep a pile of money in my treasury here. Is it safe? If I want to use it, is it convenient?"

"Isn't everyone like this?" Fang Xuanling and Du Ruhui were very puzzled about what Jiang Yunqing meant.

Before the emergence of money houses in this ancient time, the money of the big family was handled in this way, whether it was a business or an official, it could only be like this. There was a special accounting department in the family, which was in charge of the family's money.

"Both of you are businessmen. If you want to go out to do business, what will you do with the copper coins?" Jiang Yunqing asked.

"You will definitely have a rough budget, and then go out with the copper coins according to the budget you have in mind, and then use the copper coins to exchange for the goods."

"Then you may wish to imagine that if a large bank suddenly appeared in the market, and it had its own station in every state and county, you just put money in at any station, and then the bank would give you a receipt. As long as you rely on this bill, no matter which state or county you go to, you can also withdraw your own money at a place with a bank station, wouldn't that be much better?"

As Jiang Yunqing said, this is a function of the bank.

There are quite a few banks in the market now, but most of them are used for usury. You go to the bank to pay money, and you have to pay a custody fee, and it is no different from keeping it in your own home.

And in Datang, the money you put in the bank today may go bankrupt tomorrow, and the money may not come back.

Jiang Yunqing has been planning this general business model for a long time in his mind. He originally planned to connect with Changsun Sanniang with Changsun Empress before doing it.

Now that the two Uncle Fang Du in front of me have this ability, one is Du Ruhui's close relative and the other is Fang Xuanling's cousin, that's pretty good.

If you open a bank by yourself, the emperor will chop off his head before it is the time when there is a lot of money. Even if you open a bank, no one may deposit money with him. Why do people believe you? A little convincing , and no one will endorse you, who would be willing to put their savings into it.

"Qian Zhuang? It doesn't seem to be the case." Hearing Jiang Yunqing's words, Fang Xuanling and Du Ruhui were puzzled.

"But although our bank is also called a bank, it is different from others. Not only do I not charge custody fees, but I also give money to people who come here to save money."

"Giving back the money, isn't this going to be a huge loss? The court is very short of money now, and you still do it like this, it's impossible." Fang Xuanling rejected this idea immediately, and Du Ruhui glanced at Li Huan'er , Li Huan'er was also confused, saying that he didn't know this.

"Uncle Fang, look at you, you say you and Fang Xuanling are cousins, why is he a prime minister, and you are just a merchant, this is the gap, because you are short-sighted." Jiang Yunqing criticized without saving face Fang Xuanling said, "How can you pretend to have such a small interest in your eyes, and how much money can be transferred for the custody fee. Everything has to be looked at in the long term, understand?"

"Old Du, do you know what this kid is talking about?" Hearing others say that he is short-sighted, Fang Xuanling was a little annoyed, and asked Du Ruhui, who was looking at the side, Du Ruhui also shook his head in a dazed expression.

"Then let me make an analogy with you. Look, I have a sum of money in my hand. My family has tens of thousands or even hundreds of thousands of guan, but my family usually spends only one or two thousand guan a year. My money Is it going to rot at home? And I have to hire an accountant, and I have to hire several people to manage the money, and here is another expense.

But if I put all the extra money in the bank, I don’t need to pay for it. If I don’t spend a penny, the bank will keep it for me and give me some interest. Why don’t I do it? "

But Fang Xuanling still didn't move what Jiang Yunqing's death meant, and Du Ruhui didn't understand what Jiang Yunqing was going to do, but Li Huan'er guessed the gist of it, "Husband, you mean that in addition to the usual money, Other money can be put in the bank. Everyone’s money is usually not used and will not be withdrawn temporarily. Then in a period of time, there will be a surplus of money in the bank that can be spent casually, right? "

"Yes, my wife is really smart." Jiang Yunqing couldn't help but praise her.

Fang Xuanling and Du Ruhui also understood a little bit, but soon discovered a new problem, "But if the bank spends other people's money, and just in time for someone else to withdraw the money, what should we do? "

"Then let everyone deposit money in. The more people there are, the better. As long as there are more people depositing money in it, there will be no problems. Some people only know how to save money all their lives, but don't know how to withdraw money to spend. Yes." Jiang Yunqing laughed.

"However, this business can only be done by His Majesty, because the imperial court has taxation as a strong financial support, which can also guarantee the subsequent affairs. Even if there is some need, don't worry, it will be filled in a few days. Absolutely no problem."

After listening to this, the eyes of Fang Xuanling and Du Ruhui were shining, and the rapid breathing and swallowing of saliva could be heard.

(End of this chapter)