Recreating the prosperous Tang begins with summoning players

The first person to invite Shangbo was Yang Bin, who used to make troubles in Gaochang.

As the first player to transfer to internal guard, Yang Bin was the hero in recovering Gaochang.

However, after regaining Gaochang, Yang Bin has been carrying out various secret missions, keeping a low profile.

Shangbo is planning to stay in the backyard of the Longyou Governor's Mansion, and naturally needs players to inquire about information, and Yang Bin is the best person.

In addition to Yang Bin, Shangbo also selected several official players.

When they arrive at Fengxiang Mansion, they might move to Xijing after staying in the backyard. That's not on Longyou's own territory, so one must keep a low profile in life and work.

In addition to doing things, they naturally also need protection. Shang Bo found King Jianning and asked to send a few soldiers who are good at fighting to accompany them to Longyou.

Li Yan naturally agreed. He sent out missions to several generals and players who focused on individual combat, and they quickly got a response.

Just like that, a 20-person Longyou Governor's Mansion has been prepared to stay in the backyard. They will gather in Wuwei and embark on the road to Fengxiang Mansion.

At this time, Jiang Lun, who was in charge of the Salt and Iron Tax Department and the Wangfu Bank, found Li Yan.

He handed over a proposal to Li Yan, and looked at the title on the cover, "Suggestions on Preparing to Establish a Branch of the Wangfu Bank in the Central Plains".

"Preparing to build the Wangfu Bank in the Central Plains? Will this step be too big?"

Li Yan looked at the report, and now the Wangfu Bank has established branches in the prefectures of the Longyou prefectures.

Bank settlement can be used, except for players, most of the natives are skeptical.

On the contrary, Hu merchants in the Western Regions are more likely to accept the use of bank bills for settlement.

Li Yan understood the concerns of the common people, after all, the common people still feel that copper coins, gold and silver are safer in the current chaos.

Therefore, except for Shazhou City and Gaochang City, the bank's business is not much, and they are all concentrated in the field of official transactions.

Jiang Lun said: "Your Highness, please read the report. My suggestion is not to set up a bank in the Central Plains, but to set up a bank."

"A bank?" Li Yan flipped through the report. Is there any difference between a bank and a bank?

After reading the report, Li Yan understood the difference.

Jiang Lun said: "The bank is different from the bank. The scope of the bank is a small area, and there is no business in charge of currency circulation."

"The main business of the bank is money lending, and it also does some speculative business such as pawns."

Li Yan nodded, he understood what Jiang Lun meant.

Wangfu Bank was established in accordance with the standards of the central bank. Jiang Lun's original intention of establishing Wangfu Bank was to establish a settlement service for commodity circulation and prepare for the future issuance of credit currency, that is, banknotes.

Another function of the Wangfu Bank is investment, which uses the accumulated funds of players in the Wangfu Bank to make various investments and allocations to increase the circulation of currency.

The end of this road is the issuance of national debt, which is also the function of the central bank.

But what Jiang Lun plans to set up in the Central Plains is not a bank, but a more junior bank.

Li Yan pretended not to understand and asked: "Isn't that the same as the usury issued by the yamen? Can it continue?"

The commerce and trade in Datang was relatively developed, and even government offices at all levels would personally come out to lend money.

For example, for the appropriation from above to the governor's office, the governor's office will lend the money and use the interest to subsidize the public use of the yamen.

Even the money allocated by the imperial court to the Zhengshitang will be lent out by the Zhengshitang, and the interest will be used to subsidize the working meals of the prime ministers.

This kind of trend was very popular during the Tianbao period of Kaiyuan, and various yamen scrambled to grant loans, and some yamen even forced merchants to take loans, using this method to exploit merchants.

In addition to the government issuing loan sharks, temples also issue usury.

Pilgrims donate offerings to the temple, and the temple will also use it to lend money. Today's big temples in the Tang Dynasty are almost all major loan sharks.

In addition to government offices and temples, nobles and court ministers would lend money, and businessmen in the Tang Dynasty were also keen on lending, and business was quite prosperous.

With this demand, there is naturally this market. Obviously, Jiang Lun's plan is feasible.

It's just that Li Yan hates this kind of financial speculation, so all levels of government in Longyou prohibit the issuance of loan sharks, and the monasteries in Longyou have also been messed up by Li Yan, and they dare not issue usury.

But Li Yan frowned and said: "Issuing usury is not easy. If there is a debt, there will be a collection. If there is no influence in the local area, it is normal to be defaulted or even reneged on debts."

"When the father was still in the East Palace, he also took the money from the palace to lend money. In the end, the father had to collect the debt himself to get back the capital. We have no foundation in the Central Plains. Can we make money by opening a bank?"

Jiang Lun said: "So my goal is not to give loans to businessmen, but to give money to young crops."

Green money?
Li Yan continued to read the proposal, and he saw this paragraph.

Green shoots are seeds.

The people are in poverty. When it is time for spring plowing, the people buy seeds every year, and they have to borrow money from big households or merchants to buy seeds.

Many large households rely on borrowing young crops from farmers, and use this method to exploit self-employed farmers.

"A bank dedicated to distributing money for young crops?" Li Yan frowned and said:
"The people are suffering. Are we going to exploit the people in Longyou?"

Jiang Lun said seriously, "Your Highness, our bank is not for exploiting the common people, but for lending to the common people with low interest rates, so as to spare them the pain of young crop loans."

Isn't this the young crop method of Wang Anshi of the Song Dynasty?

Seeing Li Yan's expression, Jiang Lun said:

"Qingmiao money is related to the livelihood of the people, and there is not much money in a year. The people are simple and there are few bad debts."

"Xiaguan's bank is not for making money, but for helping poor people who have no money to buy young crops."

Jiang Lun added: "Your Highness, don't regard finance as a scourge. Everything in this world is beneficial if used well, and harmed if used badly."

"Qingmiaoqian can help the common people, but it can also exploit the common people."

"The same is true for this bank. If it is used well, it can concentrate money for construction, benefiting the people and benefiting the people. If it is used badly, it will plunder the people and create an economic bubble."

"We promote money houses in the Central Plains, not just to make money."

Having said this, Li Yan understood what Jiang Lun meant.

Nowadays, merchants and players are clamoring to enter the Central Plains, and money houses can also be used as players' economic strongholds.

And by lending young crops, it can also be used as a tentacles to penetrate into the Central Plains.

What Jiang Lun said is correct. The development of finance and finance has also run through the development process of human history.

As long as we use it to our advantage and strengthen supervision, these can also become a boost to Longyou.

And more importantly, after defeating Uyghur and Tubo, Li Yan could no longer fight and kill to expand his territory.

Li Yan nodded, but rejected Jiang Lun's radical proposal to set up five banks at once, and said instead:

"Then first set up money banks in Lingwu and Huangzhong areas, experiment and then promote the Central Plains."