I directed the Xuanwumen Incident

Chapter 319 How about depositing the treasury money in Fenglei Bank?The queen flatly vetoed it!
Xu Fenglei almost staggered and fell to the ground!
At this moment, he understood this sentence more and more:

The rivers and lakes are not about fighting and killing, the rivers and lakes are about the ways of the world!

Can't escape...

After helping his forehead, he calmed down and looked at the many people in front of him again.

"Who else wants to open an account to save money?"

Xu Fenglei tilted his head and said,

"There are not many prizes in the prize pool, first come, first served!"

Everyone: "!!!"

"Me, me, I want to open an account!"

"I'll save it, I'll save a tael of silver first!"

"Idle is idle, first open an account and draw the prize, what if I need it in the future?"

"..."

All of a sudden, spectators flocked to the place, and under the management of Jin Wuwei, a long queue formed!

At first glance, it looks like a long dragon, which is magnificent!
"Tsk tsk, it really played a trick on him."

Li Shimin stood upstairs overlooking the grand occasion below, and said in amazement,
"It's so lively, it will definitely become the topic of conversation on the streets of Chang'an in the next few days, and more and more depositors will open accounts to save money at Fenglei Bank."

"I estimate that in just this month, he can absorb deposits of more than 10 taels of silver!"

"Guanyin maidservant, tell me...how about I deposit the treasury's money with him? Anyway, I can withdraw it at any time, and there is interest money. There are millions of taels of treasury silver, even if it's just for a few days. That's a lot of money!"

At this moment, Li Er actually felt itchy in his heart, and started to have "wrong thoughts".

"Not so."

Changsun Wugou resolutely vetoed it, saying,
"How can the national treasury of silver be used for profit?"

"You want to pay interest today. Believe it or not, someone will embezzle money from the treasury to lend money tomorrow?"

"If this bad start is made, I think... it will definitely cause tragic consequences that we cannot bear in the end."

Li Shimin: "..."

That's right.

"Also, I heard that the purpose of absorbing savings is to lend it out for profit, not for charity."

Grandson Wugou said again,

"Saving money and lending, there must be a balance."

"If you give him millions of taels of silver at once, he won't be able to release it for a while, and he can only pile it up in the treasury to eat ashes, but the interest he has to pay every day is a huge amount."

"Doing this will definitely interfere with, or even damage the normal operation of the bank!"

Li Shimin's eyes flashed, and he nodded repeatedly.

"It makes sense! It's Guanyin servant girl who is thoughtful, I'm too superficial."

He agreed,

"Money from the treasury cannot be embezzled!"

"However, the personal money in our own treasury, if we don't use it at ordinary times, can be stored in him. The amount is not much, and it is only about 10,000+ taels on weekdays. What do you think?"

"This little money shouldn't damage his business, right?"

Changsun Wugou hesitated for a moment, then nodded slowly.

"10,000+ taels should be fine."

she said,

"It doesn't matter if you save it. According to his interest rate, the interest money on weekdays can cover a lot of palace expenses."

"In such a big palace, it's not easy for a concubine to be in charge of the house. Be more careful and plan carefully, and the water will flow forever..."

To be honest, you can make money by saving money, and as a queen, she is also tempted!
"Hahaha, okay, then it's settled!"

Li Shimin laughed loudly,
"Go back and get ready. Let's give Ting Ming a big gift, and we'll see if he can eat it!"

On this day, Datang's first financial institution "Fenglei Bank" opened for business.

This represents the initial establishment of the financial system in the Tang Dynasty. People will gradually accept the institution of "Qianzhuang", fall in love with savings, and get used to loans.

……

That night.

Inside Fenglei Bank, the lights are bright.

clap clap!

clap clap clap!
The fingers of several accountants were flying, and they were still tirelessly beating on the abacus, calculating the amount.

A huge plaque hangs in front of the hall, with six characters written on it——

Today's account, today's calculation!
Any account must not be delayed until the next day!Because people's brain power is limited, many things will be blurred the next day.

As for the financial industry, the worst thing is ambiguity. It must have accurate numbers, one is one, and two is two!
Therefore, even if you stay up all night, you have to settle your accounts before leaving get off work.

Of course, Xu Fenglei will not treat his employees like cattle and horses. These top accountants in Changan naturally enjoy the top treatment and overtime wages.

"Master."

Li Qingquan held a stack of ledgers and sent them to Xu Fenglei, and said seriously,

"A total of 898 households have been opened today, with a total deposit of 13580 taels."

"The portrait is finished, and all the money has been returned to the treasury."

Xu Fenglei frowned.

"okay, I get it."

He applauded,

"I've worked hard today."

"You are very talented in finance. Although it is the first time to do this job, you can get started quickly and look like a veteran."

"Qingquan, you are the material for this job!"

Hearing this, Li Qingquan pursed his lips and smiled, revealing two lovely dimples.

"Thank you, Master, for the compliment!"

She responded happily, and then asked,

"However, the deposits of these depositors are not much, and most of them are deposits at current demand... Is it because they don't trust the bank?"

There were nearly 900 depositors, but they only saved more than 1 taels of silver. Excluding the support of several bigwigs such as Yu Chigong, the average savings amount was even less.

Not even 10 taels per person.

To the Eldest Princess Li Qingquan, this is obviously pitifully small.

"There are reasons for this."

Xu Fenglei nodded and explained,
"Finance is actually about credit. On the first day we opened, the credit system has not yet been established. It is not bad to be able to absorb so much savings this year."

"Actually, this is purely due to my personal status, the support of the government, and the blessings of various lottery activities to achieve the effect."

"When we operate slowly and our credit gets better and better, large and long-term certificates of deposit will naturally appear."

"Another point is that most of the people who came today are here to watch the excitement. Even if they want to save money, they will definitely not have too much money... just wait! It will be different in two days gone."

Li Qingquan listened carefully, nodded from time to time, and wrote down what Master said.

At this moment, Yan Lide walked out from the back hall rubbing his sore wrists.

"hiss--"

He yelled and complained,

"My hand is about to break! Ouch..."

"Buzun, Buzun, you really used your subordinates as livestock this time! Today alone, I have drawn nearly [-] portraits!"

"There are [-] left... It's a headache to think about it! I'm afraid this hand will be completely useless..."

Today is definitely the hardest day in Yan Lide's life!
He finished painting with his left hand and painted with his right hand, drawing depositors one by one, his head was about to explode!
This is not only a matter of hands, but also brains!

(End of this chapter)