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

Chapter 84
The most powerful thing about this method is that His Majesty can make reasonable use of everyone's excess money and use it for national affairs.

If this is the case, there will be no problem for Datang to do what he wants, and there is no need to be tied up because of money, and there is no need for any accidents.

Fang Xuanling and Du Ruhui wished they could grow a pair of magnetic rods now, and fly to the Taiji Palace to share this matter with His Majesty Li Er.

Jiang Yunqing looked at the surprised look of the two of them with a smile, and was very happy and proud in her heart. With this move, she was sure to help her father-in-law get the title of county male.

"But how can we make others willing to save money here? If it's just for convenience, many wealthy families are very convenient for themselves, and most of the wealth is in the hands of five surnames and seven sects. This method can only be used by businessmen. They use it on their bodies, and the money in the hands of the merchants is still a drop in the bucket compared to those of the five surnames and seven clans."

"So, we give interest." Jiang Yunqing went on to explain his strategy perfectly, "The money we give customers is called interest, and there are two grades, one is for half a year's deposit, and the other is for the full deposit. For one year, the interest for one year must be higher than that for half a year. Let alone the merchants, even the common people will keep saving money in it, and the nobles of the aristocratic families, anyway, their money is kept. You can keep it at home, why not put it in the bank, so you can still get interest.”

"However, if this is the case, your interest is a huge sum of money. How can the court afford it? One year's interest may not be enough for one year's tax." Fang Xuanling shook his head in refusal, The strategy is still a good strategy, but now the imperial court really doesn't have any money, the family is poor, and they can't afford it.

"Then we can make a loan, so that everyone can come to us to borrow money. For some creditworthy people, they can mortgage the loan. For example, my thing, the mortgage can be worth [-] yuan here, but I can only loan I will give you [-] guan, and you will have to repay [-] guan with interest after one year to get this thing back. If you borrow it for two years, it will be [-] guan.

If you don't pay it back when it's due, it will be considered as belonging to our bank. We have the right to deal with the collateral and then sell it. Absolutely making money can't be compensated.

Wouldn't it be better to also crack down on those loan sharks, and let everyone come to the authentic official of our court to borrow money. "

After hearing these words, Fang Xuanling and Du Ruhui were shocked again. We are all human, so why the distance is so big.

Fang Xuanling was about to start doubting himself now, whether he was the most suitable person to manage the Tang treasury.

From the beginning of the Spring and Autumn Period and the Warring States Period to later generations, there has never been a shortage of usury lenders, and most of the people who borrow money are merchants, but they have a lot of things that can be mortgaged.

If such a bank-style bank can develop in Datang, then the economy of Datang will also prosper rapidly. The people and agriculture are just the foundation, but it still depends on the merchants if the real business activities start.

Especially if these businessmen can’t borrow money and can’t pay, it’s okay, then just do it, deduct the mortgage, and it won’t wait for you for a day, it will be ours directly.

And even those aristocratic families, if they want to borrow money, they can do it, but the collateral is absolutely indispensable.

Fang Xuanling and Du Ruhui summed it up, and felt that this method was feasible, very feasible, and the risk was extremely low.

Now Fang Xuanling and Du Ruhui also breathed a sigh of relief, the task that Li Er arranged for them was finally successfully completed.

"Yunqing, why don't you count this matter as well, how about it?" Fang Xuanling also hoped that this matter could be safer, after all, he didn't understand these things very well.

Moreover, once the bank is opened, it will be spread in all states and counties across the country, and there will definitely be a lot of trouble in detail. It would be better if Jiang Yunqing also participated in it.

"Yeah, Yun Qing, I think this should really be counted as your share. Let's do some together, bear the risks and troubles together, and share the benefits. How about it?"

"No way." Jiang Yunqing directly rejected Fang Xuanling's suggestion, "Uncle Fang, other money can be earned, but this is absolutely not allowed. If you trust my nephew, go and tell your majesty that this money is still for you to pay." Earn it, Your Majesty, even your cousin Fang Xuanling, the current prime minister, cannot do such a big business."

"Then look, if there's something you don't know, I'll ask my cousin's second son, Fang Yiai, to come and ask you for advice, okay?"

"no problem."

Immediately, the hot pot was ready, and the food was served, and everyone took their seats one after another. Fang Xuanling and Du Ruhui had settled such a big matter, and their hearts were relieved, the food was delicious.

But for the drinker, seeing them all drinking, Du Ruhui could only stare greedily, this really made Du Ruhui want to die of hunger.

Du Ruhui said there was nothing to do. Jiang Yunqing took some sweet-scented osmanthus brewed for Li Huan'er and brewed it. This one has no strength, similar to the fruit wines of later generations.

But after Du Ruhui drank this, he also became greedy. I don't know if he drank too much or something, "Yunqing, give this sweet-scented osmanthus brew to me, Uncle Du, and fill a cart with it."

"Six altars, no more. You can't drink too much alcohol because of your illness, you must have a good rest."

After dinner, the two Prime Ministers of the Tang Dynasty, who had lost face, were so drunk that they took a set of hot pot from Jiang Yunqing's house and went back with their drunkenness.

But neither of them went back home, they went to the palace to face the saint at twenty, and met Li Er in Baifu Hall.

After Li Er heard the bank's plan, he was so excited that he couldn't help himself. This strategy was specially concocted for Li Er. If he adopted this bank's strategy, many problems could be solved perfectly. up.

With money, you can do whatever you want to buy food, grass, recruit soldiers and horses, and have more sophisticated weapons and equipment. Looking back, the coming of all nations to North Korea is just around the corner.

Li Er had already thought of how he relied on this bank to hurt and smash the small countries around him.

Especially in Goguryeo, there is still a Shiguan Jingta standing there. Li Er once vowed to conquer Goguryeo, restore the dignity and scene of the Tang Dynasty, and let everyone in the world know that the dignity of the Tang Dynasty is inviolable.

But there is also a very important question, that is, what should be done, so that everyone will deposit money willingly.

"You two gentlemen, what do you say, so that you are willing to let everyone deposit money in our bank? Let everyone trust us?"

"Especially the money of the five surnames and seven sects. Their money has been accumulated for thousands of years, and it is easy to convince the people. Their money is enough to establish the Anxi Protectorate. And when they need a large amount of money every day, they don't There are many, and the rest of the family is very rich."

"They? How could they be obedient and save money?"

(End of this chapter)