Great Tang princess

Chapter 756 Bank Operation Mode

Someone joked on the Internet before, saying that the business that really makes money is written in the criminal law.

From a certain point of view, this is true, but in fact, there are more profitable businesses than criminal law, such as national trade.

Back then, Li Yuechen had personally been to Mexico, and even in that place, the profits of drug trafficking were still not as good as those of the rich and powerful.

Now Li Yuechen wants to start the wool trade with the grassland, which is a long-term wealth.

It doesn't matter if Li Xian doesn't understand the key point, anyway, he is transitional, and Li Yuechen doesn't bother to explain too much.

I just told him about the profits that the wool trade can bring and the development of the national plan after the wool trade is launched.

"Brother, you need to understand that if I buy wool from them, they will benefit from it, and they will find ways to expand their production and sell me more."

"And then?" Li Xian asked.

Li Yuechen picked up the teacup: "If you want to raise more sheep, you need a bigger territory. They will fight endlessly, and a large number of refugees who have suffered from the war will find a way to enter our country."

"Then how do you plan to arrange these people?" Li Xian asked.

"Give them household registration, send them to Lianghu and Guangdong to develop arable land, grow more food, fruits and vegetables and other crops..." Li Yuechen replied.

There is no need to continue to say the following. According to this policy, after a few generations, these people will become Han Chinese.

Li Xian raised his eyebrows: "This is a good strategy, it can quickly increase the population."

Li Yuechen nodded slightly: "Actually, considering the size of our country, a large population may not necessarily be a good thing."

"How to say?" Li Xian was a little puzzled.

"Forget it, it's still too early to say these things, but brother and future emperors must understand that in terms of our country's current land area, it is best to control the population between eight and one billion."

In fact, the unit of [-] million was also proposed by Li Yuechen in the new-style education. At this time, it is generally not to say [-] million, but to say tens of millions.

And this answer was also calculated by Li Yuechen based on the future situation of the country. It may not be accurate, but it should be similar.

Because the disadvantages of overpopulation are also reflected, that is, the difficulty of finding jobs.

Leaders often say a word: "Love to do it, don't do it, get out, if you don't do it, some people will do it!"

The mismatch between the number of positions and job seekers will lead to continuous depression of wages and continuous involution.

Now that we have the ability to change the world, of course we must change for the better.

Only when various systems are sound can a country become a true beacon of the world.

Of course, it is too far away to say that these are too far away. The immediate thing is to make woolen cloth first, and then integrate and upgrade domestic textile factories, so that Dazhou cloth can be sold all over the world as soon as possible.

……

Two days later, an airship flew across the sky and landed slowly on the square of Xuanwu Gate.

Liu Zihe and others came down from the hatch of the airship, saw Li Yuechen next to him, and hurried over to salute.

"How can I let His Highness come to greet you in person? This is true..."

"Okay, you are all national heroes, why not welcome me in person?" Li Yuechen smiled and waved his hands, "Okay, today my palace has prepared food in the mansion to welcome you all!"

They were called here today because Li Yuechen planned to start the second American voyage plan.

The plan this time is to use three boats to travel, find more crops and supplies, and plan to transplant a batch of rubber trees back.

Now the steam engine has been successful, and the rubber tree has also been successfully planted in Zhenzhou. If it is too slow to plant from a young age, it is better to get another batch back.

In the princess mansion, everyone was sitting in the main hall eating, and everyone looked a little nervous.

After all, it was the princess who was treating guests to dinner, and it was still at the princess's house, so nervousness was inevitable.

But I have to say, sitting in this princess mansion, it can be regarded as a real encounter with the world for a few people.

No pillars can be seen in the high-ceilinged main hall, and the open space can be seen at a glance.

Sunlight shines in through the glass windows and can fill the entire hall.

And there are not too many cumbersome decorations in the hall, except for a few pots of flowers and plants, there are no calligraphy and paintings on the wall.

The tables and chairs in the middle are basically of the square type, a typical classical Chinese style.

But the overall interior of the house reveals a minimalist style, which is very atmospheric.

Liu Zihe said: "Your Highness, we can leave at any time."

"Well, it's not in a hurry. This time, you all should think about whether you can bring some of my Da Zhou's goods, and then exchange them for some other items besides seeds..."

"Yes, this subordinate thinks that apart from our country's tea, porcelain and silk, I also want to ask His Highness for a piece of utensils."

"Say!"

Liu Zihe said softly: "Your Highness, please let the colored glaze workshop make some transparent colored glaze beads."

Glass ball?Li Yuechen was slightly taken aback: "What is it for?"

"Your Highness doesn't know that the local people still live in the form of tribes. There must be no such smelting technology. The subordinates are thinking that maybe these glazed beads can be exchanged for gold!" Liu Zihe said.

"Makes sense!"

Li Yuechen nodded after hearing this. Now in Dongdu and Chang'an, although the glass can't be said to be cheap, it is indeed not too expensive.

At least most of the dignitaries and wealthy businessmen have already started using glass windows.

But in South America, this kind of completely transparent glass ball may really be treated as a gem, and it is really possible to exchange it for gold.

"Okay, it's easy, I asked the Academy of Engineering to make a batch!"

Li Yuechen took out three of the current Queen's Ships for them to use, and at the same time recruited people from the retired soldiers of the Navy to join the team for this trip.

Now that the steamship is being researched, the age of great navigation is approaching, and deployment actions must be made in advance.

Liu Zihe also put forward some opinions of his own, and Li Yuechen basically satisfied them one by one.

At the same time, Li Yuechen was also thinking that through such trade activities, the civilization process of South American natives might be promoted, and maybe they would also be organized by tribes to become a country.

But this has nothing to do with her. There are still a lot of domestic affairs, so there is no time to take care of foreign countries now.

Zhenzhou will definitely deploy a navy in the future, but Li Yuechen thinks further, should he establish a military base in Tianzhu?
Of course, this is not for aggression, but to add a guarantee for the future of his own side.

Tianzhu has a good climate and is very suitable for growing food and other crops.

In addition, the water of the Ganges River in this era has not been polluted, so it can be regarded as a good water source, and a granary can be built there.

After such a development for 200 years, even if there are problems like the Little Ice Age, it should be able to ensure that the country can survive safely.

Although at present, domestic grain production can not only meet their own needs, but also be used for export.

However, considering that the population will gradually increase in a peaceful and prosperous age with good weather and weather, the research on food cannot be stopped at all.

That's why Li Yuechen wants to talk to his brother about the issue of population control in this era.

Once there are no wars and natural and man-made disasters, the population can double in a few decades. It sounds slow, but it is actually a very fast process.

This is also the reason why Li Yuechen waited for the census after the national reform of the tax system was completed.

……

After Liu Zihe and the others had dinner with the princess, they discussed the specific matters of the trip, rested in Dongdu for a few days, and then went to Qingdao without stopping.

Li Yuechen also wrote to Li Shu in advance, asking her to fully cooperate and get the boat ready at the same time.

In the imperial palace and Jixian Temple, Li Xian looked curious: "What does Yuechen plan to ask them to bring back from this trip?"

"It depends on what they can find. I don't know everything about America." Li Yuechen shook his head helplessly.

Wu Zetian raised his eyebrows: "Hey, it's rare that there is something that Chen'er is not clear about."

"Aniang, don't make fun of me. Speaking of which, are there any problems with paper money recently?"

Speaking of this topic, Wu Zetian nodded slightly: "Well, the excitement is over, and there are not so many people gathered in the bank. But I heard that you still plan to start a loan business?"

Li Yuechen nodded: "Naturally, loans and deposits are both ways for banks to make money."

"How is that different from the public money back then?" Li Xian asked.

"The difference is big. The company's money is mandatory, but it is not certain whether you can borrow money from the bank. After all, the bank has to consider your repayment ability!" Li Yuechen explained.

Although it is said that the emperor stands behind the current bank, no one dares to rely on the emperor's account.

But the question is, what if this person is really insolvent?

After all, if you have no money, you have no money. If you kill him, you can't get back the money.

To put it bluntly, how much is a human life worth?If you borrow too much money and you can't pay it back in the end, this is the biggest trouble for the bank.

Therefore, the bank must consider the repayment ability of the borrower when borrowing money. The control of this is still under consideration recently.

Because the regulations have not yet been fully determined, the loan business has not yet started.

The main reason for this is that Li Yuechen does not intend to completely copy the future banking system, but wants to refer to some foreign regulations.

For example, Zhang San took out a loan to buy an off-plan house, but the house was unfinished and the developer ran away.

In such a situation, in the future, the bank will not care, and the loan should still be repaid.

However, the foreign system is different. If you encounter this situation, you don't need to continue to repay the loan.

Because this responsibility is shared by the bank and Zhang San.

Whether the bank will sue the developer in the future or what, that is the bank's business and has nothing to do with Zhang San.

What Li Yuechen is thinking now is whether to adopt a similar system.

But such a system also has disadvantages, that is, the lending rules will be much stricter, which will make it very troublesome to borrow off-plan housing, and it may even be impossible to get a loan at all.

After all, banks also have to consider risks. What if it goes unfinished?

At that time, no matter whether it is to sue or take other methods, it will be troublesome after all.

The result is that most companies dare not touch real estate lightly. After all, in case the funds cannot keep up, they want to sell off-plan houses to pay back some of the capital first, but because bank loans are difficult, no one buys them at all.

If you can't pay back, and don't have more funds, the possibility of unfinished business is even greater...

From an economic point of view, it seems that there will be certain obstacles to the country's economic development.

But if you think about it carefully, it is really too far to think about these now.

In this day and age, you don't have to think about things like mortgages and car loans.

Li Yuechen doesn't plan to engage in real estate either, even if he does in the future, let's talk about it later.

There is no need to consider the issue of car loans. In the next ten years, horse-drawn carriages will definitely be the main means of transportation among the people, and there is no need for that.

Therefore, the main people who take out loans are still businessmen, who use them to do business and so on.

Thinking of this... Li Yuechen changed his thinking, maybe he should look at the bank's profit method from the perspective of this era.

First of all, in this era, there are no issues such as stock funds, let alone the concept of investment.

Then you come to the bank to save money, and the bank pays interest, but it is a bit of a loss.

It should be changed. If you deposit in a bank, you should pay the bank a storage fee!

Saving money in the bank is much safer than saving money in your home. After all, the bank is protected by the Jinwu Guard and the army.

In this case, if you deposit the money in the bank, isn't it reasonable to pay a storage fee?

The other is the bill of exchange system. You deposit a sum of money in Chang'an, and then withdraw it at the bank in Fan Yang. You have to pay a handling fee for this process, right?

After all, the bank provides you with convenience, and it is reasonable to charge fees.

After opening up a new angle, Li Yuechen's thinking completely diverged.

Banks in this era should use this method to make profits.

As for saving money for interest, let’s wait until stock funds and the like come out.

In the future, I can talk to the juniors in class, and I will leave this matter to future generations to deal with slowly. I will definitely not live to that time.

……

After the bank matter was figured out, Li Yuechen immediately went back to talk to Princess Xuancheng.

Her idea was approved by Princess Xuancheng. In the next few days, Li Yuechen, who was the Minister of the Ministry of War, went to the Ministry of Accounts almost every day to determine the bank regulations one by one.

Time flies, and it is the last day of April in a blink of an eye.

In the princess mansion, Xiaodong directed the other servants to pack their things, while Shangguan Wan'er sat in the pavilion chatting with Li Yuechen.

"Your Highness will be back soon, right?"

"Well, it's just a trip, three to five days." Li Yuechen nodded.

Liu Zihe and the others were about to set off again, and Li Yuechen planned to see them off in person.

America is a long way away, and it took several years to leave. When they come back next time, it is estimated that many changes will take place in the country...

"By the way, there is news from Chang'an that the first batch of woolen cloth has been made, and I plan to bring it over to show His Highness, and it is already on the way..."

"Just wait until you get back, there's no rush anyway." Li Yuechen smiled, "When the time comes, you can take it into the palace and show it to Auntie."

The two chatted while sitting in the pavilion blowing the breeze across the water, and the afternoon passed quickly.

In the evening, Li Yuechen boarded the airship and flew to Qingdao.

(End of this chapter)