The First Young Master of the Tang Dynasty

Chapter 1619

Xuan Shijing found a good seat on the second floor, sat down, looked around, there were quite a few literati students, judging by their age and attire, they were probably also the supervisors of the Imperial College, after all, it is not far from here, so come over for a dinner party, It is also normal.

After a while, the servants downstairs brought up Xuan Shijing's meals. Although there are many people in Xuanwu Tower, the people sitting here are the masters, so can we not come to all the masters?

"Is the money piled up?" Xuan Shijing asked.

When I came to the Xuanwu Building, Xuan Shijing suddenly remembered after sitting down that the imperial bank and the new currency have been promoted by the Ministry of Households, and have been used in large quantities in Chang'an. Xuan Shijing still has some news about this. If you don't know much, if you want to know more about something, you'd better ask Qiandui.

Qiandui is a businessman. If you want to talk about the new currency, I'm afraid you can ask the people in the household department, rather than a businessman, it will be more thorough and direct.

This kind of thing is most related to businessmen.

"Go back to the master's house, yes, the shopkeeper has been here in Chang'an these days, and has not gone out." The man responded.

"Well, okay, go and call him down, just say I'll treat him to dinner." Xuan Shijing laughed.

"Yes." The clerk replied, and then went upstairs to find the pile of money.

Xuan Shijing did not go to the private room on the third floor, but chose to be on the second floor. Anyway, he is the only one, what is he doing sitting in the private room? It’s better to be alone on the second floor, where there are still some people around. Hey, anyway, he and Qiandui don't have anything important to talk about, but they just talk about the reform of the imperial coin and the bank. There is also more and more publicity, and many people are talking about it, not only the people in Chang'an City, but even the people in Zhuangzi. After all, there are many merchants in Zhuangzi. It is precisely because of this that the people from the household department even opened a branch of a bank in Zhuangzi, Dongshan County.

Is there anything on Zhuangzi in Dongshan County now?What is available in Chang'an City, what the common people can enjoy, is available in Zhuangzi.

When Qian Dui heard that his father-in-law was waiting for him downstairs, he naturally didn't dare to delay. After putting down what he was doing, he came downstairs. Although it wasn't time for him to eat, it was saved.

"This subordinate has met the lord." Qian Dui walked up to Xuan Shijing and bowed his hands in salute.

"Don't be polite, sit down." Xuan Shijing said.

"Yes." Qian Dui sat opposite Xuan Shijing.

At this moment the table is already covered with food, Xuan Shijing handed the jug to Qiandui, at this moment Qiandui is also middle-aged, and his figure is slightly fatter, if he changes into a fancy brocade dress , it is no different from the nouveau riche outside, but Qiandui's dress is quite satisfactory.

Xuan Shijing and Qiandui also chatted while eating.

"The court's current bank and new coins have been launched, how do you feel?" Xuan Shijing asked.

As a businessman, Qiandui has enough personal experience, so he has the most right to speak about this.

"For ordinary small caravans, there are many advantages, and for our family, there is no disadvantage." Qiandui said: "The opening of the bank saves the worries of money transportation. Scheduling is all escorted by the imperial court's army. It is a good thing that the security can be guaranteed [-]%. Although our caravan had guards before, it was always a waste of effort and manpower and material resources. Now this consumption is due to the imperial court. Concentrated delivery, the consumption is much less than scattered, and the consumption of the court can also be earned back. Generally speaking, it is good for the court, and it is also good for the people and merchants. We deposit money in the bank and use bank notes, which is simple and convenient, and we can deposit money in the bank, so there is no difference in the management fee."

The profit of the bank comes from management fees and lending. If someone wants to start a business and has no capital, they can borrow money from the bank with a mortgage and repay the money when it is due. If not, then don't blame the court for turning its face and denying people.

Lending, a bank business, is undoubtedly a boon for those businessmen who have large businesses and a lot of fixed assets, but do not have much cash turnover in their hands. A big boost to business.

"So, the response from the common people and merchants to the bank is still very good?" Xuan Shijing asked.

Qiandui nodded: "Exactly, my lord, the business of our family and the exchange of funds also go through the imperial bank, which is safe and convenient."

Today's banks are just getting started, and many things need to be settled by the household department as soon as possible. For example, in order to attract depositors to save money, the bank will cancel the management fee of the bank in the future, and instead deposit money to pay interest. Come on, the bank has to reach a balance point between lending and saving. The interest rate of lending must be higher than the interest rate of saving. Moreover, in order to support the bank, the household department may have to personally invest in some businesses and establish itself. reasonable source of money.

This is the same as state-owned enterprises or bank investments in later generations. Otherwise, depositors deposit money into the bank, and let the money lie in the bank?There is no turnover in the household department, where does the money come from to pay interest on deposits?
The emergence of Qianzhuang is to stimulate the commercial development of Datang even more. Only with more money can the imperial court do more things and continue to move forward. Business can drive everything.

For example, if there is more money in the treasury of the imperial court, if there is enough money, some farmers who cultivate the land can be exempted from some taxes, and in the future, farmers will be given subsidies for farming. It is farming, and there is extra income, so the people can become richer in disguise?
This circle is a cycle.

Moreover, in the future, under the supervision of the Ministry of Households, there will be no such thing as inflation. After all, the Ministry of Households will also participate in business in the future.

To put it bluntly, this circle is a track. Xuan Shijing just poked the ball at the starting point lightly with his finger, and the ball will roll forward by itself. It gets longer and longer, and with more and more accumulated power, the ball will continue to advance, and it will become bigger and bigger, and more and more things will be involved. This is development.

The Xuan family has a large amount of business and can use the bank. The bank also saves the chamber of commerce a lot of trouble, but the Xuan family on the bank will definitely not deposit the money in their own treasury in the bank.

There is no interest, but there is also a management fee to be paid. Why do you need to save it?

(End of this chapter)