Li Shimin

In just a few days, dozens of caravans from the Datang Bank in Shunzhou came to Shunzhou Datang Bank to withdraw money with bank certificates from various places.

These caravans are all planning to buy more mutton, wool, horses and cattle from Shunzhou before the snow falls.

Shunzhou's horses, cattle and sheep are considered the cheapest place in the entire Tang Dynasty.

As long as the horses, cattle and sheep from Shunzhou are sold to Datang, especially the south of Datang, the price can directly increase several times.

Therefore, after these caravans exchanged all the goods they brought for horses, cattle and sheep, they would take out tens of thousands of copper coins from the Datang Bank to buy a large number of horses, cattle and sheep.

However, what no one has ever thought about is that Shunzhou is a newly built city without any aristocratic families and dignitaries.

At most, there are some merchants, and these merchants don't have much capital.

The richest people left are the herdsmen, and all the money of the herdsmen is invested in horses, cattle and sheep, and not much money is deposited in the bank.

Therefore, the Datang Bank in Shunzhou City did not actually deposit much money!

Even including the copper coins shipped in advance from the Chang'an Datang Bank, the maximum is more than 20 guan.

With so much money, there are more than just those caravans trying to get it!
In just five days, they were all taken away, and there was not even a single copper plate left in the Datang Bank in Shunzhou City.

After the news of the Shunzhou Datang Bank got out, the caravans who were leisurely picking horses, cattle and sheep in Shunzhou City suddenly panicked!
Dozens of caravans are blocking the entrance of Datang Bank!
"Guard Li, why is the Datang Bank running out of money?"

"That's right, I'm waiting for so many caravans to come from all over the Tang Dynasty, but they are all going to withdraw money from the bank!"

"Guard Li, it's not that I'm waiting to force you, it's that I'm waiting for such a large caravan to come to Shunzhou, not only to transport goods, but also to buy a large number of horses, cattle and sheep from Shunzhou to go back!

Otherwise, if I wait for so many guards to go back empty-handed, just the food consumption along the way will be enough for me to pay for it! "

"Yes, Manager Li, just tell me, how much money is there in the bank?"

"The Tang Bank is the property of Your Majesty, the King of Jin, as well as the princes and aristocratic families. I don't believe that the bank has no money!"

"I'm waiting for these caravans, each of which has deposited more than [-] yuan in the bank..."

"..."

"Everyone, this old man is absolutely not lying to you. The money you save is in your family's states, not in Shunzhou. Moreover, the money you save is thousands of miles away from Shunzhou. It doesn't take a month or two. It can't be delivered at all. Come to Shunzhou!"

Li Zhao, manager of the Datang Bank in Shunzhou City, explained helplessly.

He had just been sent to Shunzhou from the Prince's Mansion of Hejian County.

It is not very clear about these things in Shunzhou City.

I thought that Shunzhou City, a remote and barbaric place, was able to deposit more than 20 guan in just one month, which was already worthy of celebration.

But he was not happy for a few days, and just a dozen or so caravans took out more than 20 coins in the bank that he hadn't warmed up yet.

But now, dozens of caravans are still guarding the gate of the bank, and they are asking him for money with their deposit certificates!
However, there is really not a single copper plate left in the bank.

Thinking about it, even in this kind of Saibei that already needs to wear thick clothes, Li Zhao's forehead is already covered with beads of sweat!
Seeing that Li Zhao didn't seem to be lying, all the caravan stewards couldn't help but look at each other, and then their eyes were full of bitterness.

"How about that?"

"That's right, if I don't get the money out this time, and I can't bring back enough horses, cattle and sheep, something big will happen!"

"How shall I explain to my family?"

"Guan Li, this matter is a mistake made by your Datang Bank, please solve this matter as soon as possible!"

"otherwise……"

All the caravan stewards stared at Li Zhao closely, with expectations and despair.

At this point, if they can't withdraw money and buy enough horses, cattle and sheep to go back, their caravan will suffer huge losses, and the master behind them will never forgive them!

"Everyone, don't worry, the old man sent Kuaiqi two days ago to ask the banks in Liangzhou, Ganzhou, Shuofang and other states to borrow money. In addition, he sent Kuaiqi to report to Chang'an!
I believe that as long as I continue to be a few days, there will be enough money to come to Shunzhou..."

Li Zhao hurriedly comforted him!

However, he didn't know that in Liangzhou, Shuofang, Huazhou, Changzhou, Dingxiang, Yunzhong and other prefecture cities of Tang Dynasty, this meeting was also full of caravans from all over Tang Dynasty.

All the money from the Datang Bank in the city was taken clean!

Riding fast one by one, they are also heading towards Chang'an at high speed.

Even in Qingzhou, Dengzhou, Fuzhou... some cities rich in local characteristics, the money in the city is not taken by caravans.

There are more than 300 money houses in the territory of Tang Dynasty, and there are dozens of money houses. They sent Kuaiqi to Chang'an!

……

Chang'an!

Taiji Palace, Liangyi Palace!
Sitting behind the table, Li Shimin commented on the memorabilia handed over by the Ministry of Education.

Especially when he saw that the bank deposits in the various prefectures in the Tang Dynasty had already reached [-] million yuan, he couldn't help but be overjoyed.

You know, the sum of the various taxes of Datang last year was only 300 million!

But now, just by opening a bank shop in the states of the Tang Dynasty, you can receive ten million yuan in money!

Although the money does not belong to him, according to the experience of Goguryeo banks, he can use at least [-]% of the [-] million yuan in these banks.

Moreover, this is only a one-month deposit for the establishment of a bank.

If the bank has been open for a year, wouldn't there be twenty million or even more deposits in the bank?
The more he thought about it, the more happy Li Shimin's face became!

In my mind, I subconsciously remembered that strange rumor in Chang'an City!

The king of Jin should be the king of wealth in the Tang Dynasty!

On the side, Li Wei and a group of servants stood quietly in the distance, seeing Li Shimin's joy, the corners of their mouths could not help but bend slightly!

It's just that the good times don't last long.

"Your Majesty... Your Majesty, please see me!"

Before the stack of memorials on Li Shimin's desk was finished reviewing, Fang Xuanling hurried in.

Behind him are Changsun Wuji, Li Xiaogong, Du Ruhui and others!

"Ok?"

Li Shimin was startled, and quickly asked: "Auxiliary machine, Xuanling, Xiaogong, what happened, why are you so panicked?"

"Reporting to Your Majesty is the matter of my bank in the Tang Dynasty!"

Fang Xuanling hurriedly reported.

"The bank?"

Li Shimin narrowed his eyes, and asked hastily, "It's been less than two months since my bank was established in the various states of the Tang Dynasty. What kind of event happened?"

"Your Majesty, in Shunzhou, Liangzhou, Shuofang, Huazhou, Changzhou, Dingxiang, Yunzhong and other Saibei cities, as well as Qingzhou, Dengzhou, Fuzhou and other seaside cities, because there are many caravans, However, not much money was deposited in the local Datang Bank.

And those aristocratic families and merchants in my Datang, as long as they deposit money in the Datang bank in the state city where their family is located, they can rely on the deposit to withdraw money from the Datang bank thousands of miles away.

Therefore, within two months of the construction of the Datang Banks in those state cities, the money in the banks was taken away by the caravans from the state cities! "

"And now, there are still dozens of caravans waiting to withdraw money in every Datang bank in these state cities!"

"Is that so?"

Hearing this, Li Shimin couldn't help but look solemn.

"Your Majesty, we have sent people to borrow copper coins from the nearest state cities. However, there are too many caravans in these state cities, and tens of thousands of coins need to be taken away every day.

Therefore, the transfer of banks from those banks in the surrounding states can only be relieved for a while, not for a long time! "

"Your Majesty, especially in Shunzhou and Huazhou, I have more Datang caravans in these prefectures, and the surrounding prefectures don't have much savings. I estimate that the Tang banks in these prefectures are still short of a lot of money! "

"Your Majesty, this matter is related to the reputation of my Datang Bank, and it is extremely urgent. We are incompetent and need to be judged by Your Majesty!"

Fang Xuanling, Changsun Wuji and others all looked anxious.

And this time, Li Shimin was also full of worries.

Datang Bank claims to be the biggest owner, but he is Li Shimin.

If even an ordinary matter of withdrawing money could not satisfy those caravan stewards, he could imagine what would happen to Li Shimin's reputation in the hearts of the people all over the world?

Thinking about it, Li Shimin couldn't help asking: "Is it feasible to transport money from Chang'an to Shunzhou and Huazhou, which urgently need a lot of money?"

"Returning to Your Majesty, the Datang bank in Chang'an City has more than 2000 million guan in savings. At present, the banks in Liangzhou, Shunzhou, and Shuofang are extremely short of money. At least 500 million guan of money must be transported to satisfy these states. The needs of the city!"

Fang Xuanling hurriedly replied: "It's just that your Majesty, to transport so much money to Shunzhou and Liangzhou at one time, at least tens of thousands of horse-drawn carriages and [-] soldiers will be needed, and it will take more than ten days. Another huge sum of money!"

Hearing this, Li Shimin couldn't help but fell into deep thought.

After a long while, Li Shimin raised his head and asked, "What good strategy can you have?"

"Returning to Your Majesty, the Li family in Longxi also has members of the bank, and they can borrow some money from the Li family in Longxi. In addition, the tax money from Liangzhou and Shunzhou that has not yet been sent to Chang'an does not need to be sent to Chang'an, and it is deposited in the bank first. .

Also, the caravans traveling from Chang'an to Liangzhou, Shunzhou and other prefecture cities during this period of time can remind them that the money in the Datang Bank is tight, and let them be prepared. It is best to get enough money in the city! "

"In this way, if we send 100 million guan from Chang'an to Liangzhou and Shuofang, it will almost last this period of time!"

Fang Xuanling, Changsun Wuji and others suggested slowly.

"Very good, just do what you said!"

Li Shimin directly agreed.

"Yes, Your Majesty!"

Fang Xuanling, Changsun Wuji and the others could not help but breathe a sigh of relief, and hurriedly bowed their hands in salute.

Then, thinking of something, he hesitated.

"Your Majesty, this method can only be used for a while, not a long-term solution! Weichen and others estimate that Shunzhou, Liangzhou, Qingzhou, and Fuzhou will need more money next year!"

"Do you have a good solution to this matter?"

Li Shimin asked with some expectation.

"Your Majesty forgive me, my humble minister is stupid!"

Fang Xuanling, Changsun Wuji and others couldn't help but look ashamed.

"Okay, let's hurry up and deal with the affairs of Shunzhou, Liangzhou, Qingzhou, Fuzhou... these states! Even if the Tang banks in these states will need more and more money, it will be a matter of next year! "

Li Shimin said in a deep voice.

"Yes, Your Majesty!"

Hearing this, Fang Xuanling, Changsun Wuji and others hurriedly bowed their hands in salute, and then quickly walked out of the hall.

Datang Bank is not an industry. Basically, the most powerful group of people in Datang invest in stocks.

Therefore, only two months after the Datang Bank was built, it encountered such a big crisis, and basically every family would actively respond to it.

Basically, in less than ten days, the Tang banks in Shunzhou, Liangzhou, Shuofang... and Qingzhou, Dengzhou, Fuzhou, etc., have received a lot of money one after another.

And in Liangyi Hall.

Not long after Fang Xuanling, Changsun Wuji and others left, Li Shimin, who was sitting behind the table, became more and more annoyed by the memorial in front of him.

After an unknown amount of time, Li Shimin let out a long sigh.

"Li Wei, hurry up and change, and follow me out of the palace!"

"Yes, Your Majesty! . . . "

After half an hour.

Li Shimin took Li Wei and went straight to Lijiazhuang.

Sitting on the sofa, after listening to Li Shimin's words, Li Xuan pondered for a moment before speaking.

"Your Majesty is worried that those aristocratic families and merchants have deposited a lot of money in the city where their families are located.

Then, it has to be taken out in the state city thousands of miles away.

It's just that the state cities where this kind of aristocratic families and merchants are located are all rich state cities in my Tang Dynasty.And most of the state cities where they want to do business to withdraw money are the impoverished state cities of my Tang Dynasty, and the Datang banks in those state cities do not have much wealth.

In this way, my Tang Dynasty has to transport a large amount of copper coins from those rich state cities to those barren state cities every year.

It is just the chariots, soldiers, food and supplies used to transport the copper coins. The money consumed is far more than the money earned by the bank! "

"exactly!"

Li Shimin nodded slightly.

"Xuanba, do you know that it is only because of the more than 2000 million coppers in the Datang Bank in Chang'an that I had to ask the construction department to build ten more warehouses, so I put all the money in there!"

"However, the reason why these aristocratic families, dignitaries, and merchants who deposit money in Chang'an City are so active in depositing money in Chang'an City shows that they want to use the money elsewhere.

This is 2000 million yuan. Not to mention that they will use the money within one month, that is, they will use it within two months in a certain state in my Tang Dynasty, or in Goguryeo, or in places like Tubo. 2000 million coins were withdrawn.

That state, or the surrounding states and cities, or even the entire Goguryeo, could not make up so many copper coins.

Even shipping costs a lot! "

Unexpectedly, Li Shimin could also think of this kind of financial crisis. Li Xuan couldn't help but glanced at Li Shimin in surprise, and said slowly: "So, Your Majesty still remembers the banknotes I mentioned to Your Majesty a while ago!"

"Paper money?"

Li Shimin was taken aback, and thought for a long time before recalling it.

"Xuanba, throughout history, all dynasties have traded with money, and now copper coins are the most popular. If paper money is suddenly used instead of copper money, I am worried that those aristocratic merchants will not accept it. The most important thing is that the people of the Tang Dynasty will not accept it because of paper money. For this matter, I was deceived by those aristocratic families and merchants!"

"Your Majesty, you can use banknotes for aristocratic families, merchants, and dignitaries first, just like deposit notes."

……

ps: I feel a little unbearable, the update is over today, sorry!

Tomorrow~~ If I don't feel so uncomfortable, I will update normally!