The First Young Master of the Tang Dynasty

Chapter 1566 Why Are You Dissatisfied?

Han Zhongliang frowned slightly when he heard the name of Lord Jinyang. As early as more than a month ago, the officials of the household department dealt with a wealthy merchant in Chang'an City called Qiandui, and it seemed that Qiandui belonged to Lord Jinyang. Bar?

What does Duke Jinyang want to do?The Ministry of Coin Affairs has already drawn up regulations, and seeing that they are about to be implemented immediately, they come out again to make a mess of something about the bank, and as a result, the reform of coins will be postponed.

"Let Duke Jinyang enter the palace." His Majesty Li Er said.

"Yes." The waiter said, and after going out, he brought Xuan Shijing in, then turned around and left.

"I see Your Majesty." Xuan Shijing cupped his hands and saluted.

"There is no need to be too polite, Jing'er. I asked you to go back and think about the matter of the bank that you told me yesterday. Have you ever thought about it?" His Majesty Li Er asked.

"Return to Your Majesty, I have already thought about everything." Xuan Shijing said, and took out all the thick stack of papers that he wrote yesterday from his arms, and presented them with both hands: "This is what I thought of. Everything has been written down, and I respectfully ask Your Majesty to read it."

Deyi walked down the steps, walked up to Xuan Shijing, took the paper from Xuan Shijing's hand, and sent it to His Majesty Li Er's desk.

His Majesty Li Er quickly browsed through it, and it took about a quarter of an hour to read everything Xuan Shijing wrote.

"Good!" His Majesty Li Er couldn't help but applaud.

The things Xuan Shijing wrote are more detailed and transparent than what Xuan Shijing told him yesterday, and from this point of view, it is imperative to combine the bank and coin reform!
"Deyi, pass these on to all your dear ones." His Majesty Li Er handed the paper written by Xuan Shijing to Deyi.

After Deyi took it, he went down the steps again and delivered the papers to Han Zhongliang, who passed them along with the officials of the household department to read.

"Jing'er did not disappoint me after all. Speaking of the bank being managed by the local government, it's a very good idea." His Majesty Li Er praised.

Xuan Shijing smiled and said: "I didn't come up with this idea, but my wife, Princess Jinyang. Yesterday when I was writing these things in my study at home, His Highness saw these things I wrote in my study. , I came up with such an idea, saying that firstly, it would reduce the burden on the national treasury, and secondly, it would be beneficial to the promotion of the bank in the local area, I thought about it carefully, and if it was true, I wrote down this idea.”

His Majesty Li Er heard Xuan Shijing's words, stroked his beard and laughed.

"Okay! As expected of my son-in-law." His Majesty Li Er's tone was very proud.

That is the daughter that I brought up with my own hands. She has been by my side for so many years, and she really has extraordinary skills and has her own demeanor.

Han Zhongliang held the paper in his hand, and the more he looked down, the more frightened he became. Once Xuan Shijing's idea of ​​the bank was completed, except for the first year, it would definitely become an important source of income for the national treasury in the future. Yes, the future treasury will not only have tax revenue.

According to what is said here, banks can also lend money and collect interest from borrowers. The interest charged is more than the management fee paid for saving a sum of money. Although it does not seem to be a large proportion, the accumulated Cheng Duo is also a lot of money.

If it is managed by the government, there is no need to worry that the person who borrowed the money will not return it. Even if you borrow the money and go to other places, as long as the government arrests the person throughout the country, seizes the family property, and sells it, the money from the bank can be recovered no matter what. Yes, not only can you get it back, you might even earn some, all in all, you won't lose money.

Since you want to borrow money from the bank, you must have a corresponding mortgage. In this case, the bank will just have the function of a pawn shop.

It's just that the function of this pawnshop is much more convenient than a real pawnshop, and it also has the prestige of the government. The prestige of the imperial court is still relatively heavy among the common people, at least it is much more reliable than ordinary businessmen.

When Han Zhongliang saw the end, his hands were already trembling slightly, not because of fear, but because of excitement.

Han Zhongliang is the Minister of the Household Department. What is the status of the Household Department in the court?Apart from some trivial things, the most important thing is the treasury!

If the national treasury is full, the face of the Ministry of Finance will also be bright.

Who wants to be called an iron cock as soon as they go out?Why is Tobe an iron cock?There is no money in the national treasury, and no one will believe you when you cry about being poor in the court. People believe that the officials of the Ministry of Finance are all stingy, and they don't believe anything else.

If the treasury really had so much money, the officials of the Ministry of Household Affairs would still cry about being poor, but they were also happy to be generous, and with a wave of their hands, they would get ten thousand taels of gold.

However, the household department has no ability to make money, so it can only manage the tax revenue of Datang honestly. Datang’s tax revenue is only so little every year, and the household department has to live with a belt. If you want money here today, where will it be tomorrow? If you want money, is it true that the officials of the Ministry of Households have the ability to turn things into gold?
But now with this bank, the Ministry of Household Affairs is no different from turning stones into gold. In addition to taxation every year, even in ordinary times, there will be far and constant income.

Even if each person saves money in the bank every year, and the management fee is only charged one penny, it will be several million dollars in a year, and the management fee will definitely not be just that small, so the actual amount is definitely It will be a lot, and the more you save, the more management fees you will have.

But you can't just see the benefits. These papers also contain some methods of managing the bank. The imperial court dispatched troops to transport gold, silver and copper coins to coordinate the various places. It's all cost.

But in general, this method is good, and the profit must be more than the cost.

"Master Han, how are you?" Xuan Shijing smiled and walked to Han Zhongliang and asked.

"High, it's really high. Xuangong's method is really good. I'm willing to bow down." Han Zhongliang smiled and cupped his hands.

"What if it is promoted together with coin reform?" Xuan Shijing said with a smile: "Money houses have settled in various places, and the new coins from the imperial court are transported to various local banks along with the imperial army. Is it convenient and trouble-free to take it?"

When Xuan Shijing entered the Xuanzheng Palace, he also noticed that Han Zhongliang seemed to be dissatisfied with his eyes. Therefore, Xuan Shijing couldn't help but tease Han Zhongliang when he saw Han Zhongliang's reaction after reading his charter.

I didn't come here to delay things, but to make the coin reform better, faster, and more thorough.

"Very convenient." Han Zhongliang said.

Speaking of which, if Han Zhongliang hasn't realized that Xuan Shijing is embarrassing himself, then his official career all these years will be in vain.

(End of this chapter)