Prosperous Tang Blood Blade

Chapter 334

Chapter 35 The weapon of robbery
Li Yuan seemed to have some understanding, but suddenly he felt a little worried: "If the money is put in the bank, if there is a rebellion in that place, as long as the bank is captured, won't there be no shortage of money and food?"

Chen Ying explained: "Your Majesty, it is impossible for this bank to put so much money in Guangzhou. There will definitely be merchants from Guangzhou who will come to Chang'an to purchase goods. Isn't it more convenient?"

Pei Ji's eyes became brighter the more he listened, but he still didn't fully understand, and asked suspiciously: "Isn't this going to require more officials? A bank in a state needs at least one chief officer, two false assistants, and a dozen juniors. Officials, the Tang Dynasty now has 79 states, wouldn’t it be necessary to add hundreds of officials, large and small?”

Li Yuan's face became more and more serious, and his gaze was fixed on Chen Ying like a sharp arrow.Looking at Chen Ying, he felt guilty: "You want to build a bank, how can you make a profit?"

"I have provided convenience to others, so there is no charge? It waived the cost of hiring a ship, hiring an escort agency, building a money bank, and removing the cost of eating horse chews. It is not too much to charge [-]% of the fee for using it." Right?" Chen Ying said with a slight smile: "What's more, it's impossible to withdraw all the money deposited in the bank at one time, and I can also take it out for lending. The businessman wants to expand the workshop, and if he lends money, he can only charge [-]% interest. Farmers rely on the sky to feed their plowing land, and if they meet God’s favor, they can live comfortably. If they encounter natural disasters, they will have to change their sons and die, and sell their houses and land. At this time, I can lend them money to buy seeds and spend their lives. Difficulties, [-]% profit is not too much, right?"

20.00% interest is naturally [-]% annual interest rate, which is [-]%. If Chen Ying dares to raise such a high interest rate in later generations, he will probably be beaten to death.However, in the Tang Dynasty, the interest rate was really low. When the aristocratic families lent loans, the interest rate was usually more than [-]%, and it was still rolling interest. [-]% annual interest plus rolling interest, relying on farming alone, basically did not repay the loan. The ability, the final end can only be sold land, the turn is a family of aristocratic tenants or shade households.

What's more, Chen Ying's goal is to use the lowest interest rate to trick the people into depositing money in the bank to earn interest.In this era, there are no wealth management products at all. Although gold and silver are small and easy to store, they are not the unit of weight. Gold and silver will oxidize, and the fineness will restrict the price of gold and silver. That is to say, farmers or small landlords save money at home. In fact, it is also consumed.

In the Ming and Qing Dynasties, silver was used as currency. During the tax collection and transshipment process of the government, fire consumption was usually collected. Not every official wanted to be a corrupt official, because the shortage of fire loss was an objective fact.

Li Yuandao: "I will give you 50 guan. If you build a bank, can you repair Chidao?"

"If your majesty asks me to fix it within two years, I will definitely not be able to do it. It will take at least three years from the establishment of the bank to the establishment of credit. In other words, this road will not exceed four years at the latest. In Wude Six years ago, I dared to use Xiang Shang's head as a guarantee, and I would definitely build the Chidao from Chang'an to Luoyang." Chen Ying vowed: "It is more than 750 miles from Chang'an to Luoyang. If you build [-] post stations along the Chidao , there are enough posthorses to transfer, and it can be completely done from morning to evening, and if there is a change in Shandong, His Majesty's army can be transported to the city of Luoyang within three days."

What Chen Ying really moved Li Yuan was not the [-]% benefits and benefits, but the fact that he could travel from Luoyang to Chang'an in the morning and in the evening.Since the founding of the Western Wei Dynasty in Chang'an, Guanzhong has gradually become the most prosperous place in the world, and because of the confrontation between the Eastern Wei Dynasty and the Western Wei Dynasty, the aristocrats of Shandong and Guanlong directly formed an incompatible situation.

Even if the Tang Dynasty established the country, this confrontational situation has not actually improved.Li Yuanji lost Taiyuan and all of Hedong. It is not so much Liu Wuzhou who was brave and good at fighting. In fact, it is better to say that the Shandong nobles were dissatisfied with Li Yuan's reuse of Kansai people and adopted silent resistance.There are more than 200 Wubao in the whole Hedong. If these Wubao did not fall in anticipation, given Liu Wu three years, he might not be able to capture the entire Hedong. However, Liu Wuzhou only took three months, from Taiyuan to Hui Liu Wuzhou did not encounter decent resistance at all.

What Li Yuan was most worried about was the recurrence of Hedong. If he could occupy the Central Plains in the future, he would not only have to garrison heavy troops in Taiyuan, but Luoyang would also have to garrison heavy troops to deal with the small parties.

Although Chen Ying told Li Yuan about the benefits of the bank, there was one fatal weakness. Once the bank (bank) established outlets in various states and counties in Datang, it established a strong reputation.In case of poor management of the bank, there will be chaos in the world, even more terrifying than military disasters.However, the Qianzhuang has another advantage, which is that it can absorb the idle funds of the aristocratic family and accelerate economic development.

Li Yuan stared straight at Chen Ying, as if he wanted to see through Chen Ying.

Chen Ying didn't dodge or evade, and looked at Li Yuan indifferently.

Chen Ying wanted to establish a bank, not only to make money, but also to use the bank to break up the relationship and avoid the emperor's compromise.The aristocratic family and the powerful, because they control the money, food, population, and talents, Li Yuan often chooses to avoid or compromise, but he doesn't have so many scruples about himself.Chen Ying is like using the bank as a sharp weapon to make Li Yuan and the court more scruples and not to do whatever they want.

"I promise you!" Li Yuan said hesitantly: "But..."

"Now I'm very sober, and Prime Minister Pei can testify that if I can't build the road from Chang'an to Luoyang within four years after setting up the bank, I'm willing to sacrifice my head!"

Li Yuan said: "You are not joking!"

Apart from a little sweat on Chen Ying's back, Chen Ying also heaved a sigh of relief when Li Yuan agreed.

In later generations, the overlord clause of the bank made Chen Ying very painful, but there was nothing he could do.In fact, banks are the best weapon for robbery, and the U.S. government takes dollars and cuts wool all over the world.

In the 30 years after the war, Japan's economy developed rapidly and quickly became the largest creditor country of the United States. The crazy expansion of Japanese capital made Americans exclaim "Japan will occupy the United States peacefully!" (very similar to today's China), however, With the signing of the Plaza Accord between the United States and Japan, the Japanese economy has become a bubble economy, a large amount of wealth has flowed to the United States, and the crazy development of Japan's economy has also been delayed.

Although Chen Ying is not an economic expert, he uses the financial and economic theory of later generations to influence Datang. Although he has ulterior motives, his real intention is to benefit Datang.

In the Tang Dynasty, the influence of the country will be comparable to that of the United States in later generations, and the coins of the Tang Dynasty will also be equivalent to the U.S. dollars of later generations. Once the Tang Dynasty can change to paper money as the currency unit under Chen Ying's subtle influence, it can be used outside the military. Use soft power to carry out aggression.With such an influence, the surrounding countries will not have any ability to resist Datang.

Compared with the military, the Tang army can crush the surrounding countries. In terms of economy, all they get is a pile of useless waste paper.

I don't know what kind of flowers the banking industry, a standard product of capital society, can bloom in the feudal dynasty, but many things are unpredictable by Chen Ying.Thinking about Chen Ying being overwhelmed by the mountains on his body in later generations, in this era, when he created a bank, Chen Ying was inexplicably excited.

In fact, building banks and developing industry and commerce are also Chen Ying's efforts to break a vicious circle in Chinese history.

(End of this chapter)