Li Shimin

Chapter 800 The Magical Use of Banks

"If that's the case, then Ren Gui has to go!"

Li Xuan said.

He didn't want to guard Li Chengqian outside every day, he had to drag a top general to follow him.

"can!"

Li Shimin nodded, "Chongyi, Chu Si and these bastards can also follow you!"

Li Xuan: "..."

"That's it, that's it!"

Seeing that Li Xuan didn't speak, Li Shimin said directly.

"Don't worry, Your Majesty, I will swear to the death to protect His Highness the Crown Prince!"

Xue Rengui, Cheng Chusi and other bastards hurriedly bowed their hands to Li Shimin with joy on their faces.

"Very good!"

Li Shimin's face was full of joy.

Afterwards, Li Shimin seemed to think of something, and looked at Li Xuan again.

"Xuan Ba, I have something else I want to discuss with you!"

"Is Your Majesty hungry?"

Li Xuan changed the subject and said, "I want to have a big meal now!"

Li Shimin was stunned.

"His Royal Highness King Jin is talking about eating hot pot?"

On the side, Cheng Zhijie and Yu Chigong were full of anticipation.

"eat hot pot!"

Li Xuandao: "All kinds of meat, ale is enough!"

"Thank you King Jin!"

Cheng Zhijie and Yu Chigong both had joyful expressions on their faces.

Hearing this, Li Shimin also felt a little hungry, and nodded slightly.

Li Xuan turned to the steward Li Chang who was at the side and said: "Steward, please go down and set up the pot. This king wants to eat hot pot with His Majesty and others!"

"Yes, Your Majesty!"

Li Chang responded and walked out quickly.

But Li Xuan took advantage of the situation, leaned back on the sofa, his eyes were blank, he was actually tricked.

On the side, Li Shimin didn't ask this time, and you and others directly asked the question.

"Xuanba, I want to open the bank to the Tang Dynasty, what do you think?"

"Open it!"

Li Xuanman replied casually.

"Is Xuanba's words serious?" Li Shimin asked.

"Your Majesty, it is not a bad thing for a bank to open to any city!"

Li Xuan said slowly: "As long as the bank is used properly, it can use the wealth of all people in the world to benefit all people in the world.

Of course, the premise is that His Majesty feels that he can control the bank.Otherwise, you can imagine Goguryeo's bank, as long as His Majesty sees that the people in Goguryeo are not pleasing to the eye, he orders the removal of the bank in Goguryeo.

In this way, from the nobles of Goguryeo to the common people of Goguryeo, they will be penniless immediately.

The entire Goguryeo became a hell on earth in an instant! "

Hearing this, Li Shimin's expression also became serious.

"So, then I will set up a bank in Tuyuhun and Tubo first, and try it out?"

"no, I'm fine!"

Li Xuan repeatedly waved his hands.

"Your Majesty, if Datang wants to develop, Qianzhuang will definitely be a huge help for Datang!"

"If your Majesty feels that you can't control the establishment of banks in all states and counties of Datang, then you can set up banks in those state capitals of Datang first!
In this way, when His Majesty feels that there are enough people in his hands to set up banks in all states and counties, then set them up.

As for setting up banks in Tuyuhun and Tubo, those places are places of bitter cold, so His Majesty can set up a few important cities at most, just to give those caravans some convenience! "

Li Shimin's expression brightened, and he hurriedly asked again: "Xuan Ba's meaning, is there a better way for the bank to apply it?"

"Yes, I have!"

Li Xuan lazily replied, "Your Majesty, do you know how much money will be in the hands of the people of the Tang Dynasty? If all the money in the hands of the people of the Tang Dynasty is added up, how much will there be?"

Hearing this, Li Shimin couldn't help thinking of something, and his expression gradually became excited.

"Xuan Ba's meaning is..."

"Your Majesty, the bank can not only help those people save money, but also lend money to those people!"

Li Xuan said.

"Lending to the common people?" Li Shimin's expression became a little solemn again.

"Xuan Ba, I am the Emperor of the Tang Dynasty, how could I do such an outrageous thing?"

"Without conscience?"

Li Xuan was stunned, and asked with a puzzled expression: "Your Majesty, lending money to the people who are in urgent need of money is to save their lives. How can you lose your conscience?"

"Xuanba, since ancient times, people have been known as interest rate lenders. I don't know how many people have exhausted their families and sold all their land. Even the last family members have to be sold into slavery. Such evil deeds have long been ordered to stop. Now How could I do such a wicked thing?"

Li Shimin said solemnly.

"Your Majesty, if you lend out Yiguan, you only need to repay the interest of [-] Wen a year?" Li Xuan said slowly.

"Usually money, two hundred cash per year?"

Immediately, Li Shimin, Fang Xuanling and the others couldn't help being astonished.

This interest is ten times cheaper than the official loan they know.

"Ok!"

Li Xuan nodded slowly.

"Xuanba, this method doesn't work!"

Li Shimin frowned and thought for a moment, then slowly shook his head and said, "Xuan Ba, although I don't know how those people in Goguryeo are willing to save money for the bank.

However, I am still very clear about the people and families of the Tang Dynasty.

Today, half of the people in Datang have no money left in their families.

Only those wealthy households and families have surplus money.

And these rich households and families, as long as they lend the surplus money in their hands to a large number of poor people, the interest earned in just one month is several times more than the money deposited in the bank in a year! "

Li Xuan smiled lightly, "Your Majesty, do you know how much money a rich family can borrow from the poor people? How much money can a family borrow from the people in a year?
Terrible, they borrow hundreds of poor people at most, and one family borrows money all the time?Twice?Up to ten strings!
This money is just a drop in the bucket compared to the money of their entire family! "

"The most important thing is that these aristocratic families and farmers must have caravans in their homes. Their caravans travel all year round and deposit their money in the bank. How much time and energy can they save?
In addition, even if these aristocratic families and wealthy businessmen are unwilling to deposit money in the bank, what about those big aristocratic families?What about the nobles of the Tang Dynasty?

What about those aristocratic vassals in Goguryeo, Tuyuhun, and Tubo? "

Looking at Li Shimin, Changsun Wuji and others who were lost in thought, Li Xuan smiled lightly.

"If under such circumstances, His Majesty and all of you cannot allow those aristocratic families and wealthy businessmen to deposit money in the bank, then there is no need to set up the bank!"

"Xuan Ba ​​can rest assured, those wealthy households and families will deposit money in the bank!"

Li Shimin had a confident expression on his face.

"Ok!"

Li Xuan nodded slowly.

"In addition, with the establishment of the bank, His Majesty can borrow money from the bank together with those aristocratic families, and then build concrete houses and pave concrete roads in various states and counties of the Tang Dynasty.

Then, after the completed cement houses are sold and the cement roads are profitable, the money will be returned to the bank! "

"Xuanba, isn't it that I am waiting for myself to borrow money from myself?"

Li Shimin said with a puzzled expression.

……

(End of this chapter)