Yipin Tang

Chapter 152

Qianzhuang, Wang Xiang really didn't know that there was no Qianzhuang in the Tang Dynasty. He couldn't help but get excited when he thought of it. What kind of buyer in this world can open a bank? Qianzhuang is a bank in ancient times.

It should be said that the bank is more profitable than the bank, because the bank has to give money no matter whether it saves money or borrows money. Naturally, it needs to pay storage fees for saving money, and naturally needs to pay interest for borrowing money.

It can be said that the emergence of the bank represents the birth of finance, because the model of the bank has got rid of the shackles of money and goods transactions and is a pure capital operation. The previous money-making model is nothing more than a simple exchange of goods for money or a more complicated one, which is what businessmen do. Buy goods at low prices and sell them at high prices.

The bank is different. The bank does not involve goods, but only operates capital. In this way, the speed of obtaining capital will be increased by ten times or even hundreds of times, as long as you compare it with the banks of later generations.

However, it is not easy to run a bank. The risks involved, the prestige required, and the large amount of capital in the early stage cannot be afforded by Wang Xiang. Only those aristocratic families have such prestige and ability.

Naturally, what Wang Xiang thought of was Li Er, who obviously possessed these conditions compared to the aristocratic family, and Wang Xiang didn't have a good impression of those aristocratic families.

After Ningxiang and the others settled down, Wang Xiang couldn't wait to enter the palace, he didn't even bother to ask about the shop.

After entering the palace, Li Er was discussing matters with the officials in the Taiji Hall. Wang Xiang didn't ask to see him immediately but waited outside. It is not appropriate to talk about the affairs of the bank in the Taiji Hall. More than half of the officials in the hall represent the aristocratic family.

When the discussion was over and it was almost noon, Li Er had a meal directly in the Tai Chi Hall. Naturally, Wang Xiang couldn't be hungry, so the two chatted while eating.

All the eunuchs and maids who served were thrown out by Li Er, leaving only the two of them in the huge Tai Chi Hall.

I just talked about the printing of books yesterday, and today Wang Xiang took the initiative to enter the palace again. Li Er thought he came for this matter.

"But the matter of printing books is settled?"

"It's settled. The engraver of Linglong Bookstore is Xinyi's uncle. It shouldn't be a problem for him to engrave movable type. However, it will take a long time to engrave all the individual characters. It can't be printed yet."

"Well, as long as the movable type is carved, it can be used forever in the future, and it is worth the time spent." Li Er picked up a slice of vinegared cucumber and threw it into his mouth, nodding.He is in a good mood when he thinks of buying and selling salt and printed books. At that time, he will not only be able to continuously obtain a large amount of benefits, but also severely hit the aristocratic family.

"The matter of printing books is not in a hurry. The minister entered the palace today for another matter."

Li Er suddenly became curious when he heard the words. He just talked to himself about the printing of books yesterday, and today he went to Linglong Bookstore to settle the matter. It can be seen that he is still very concerned about the printing of books, but now he said that he is not in a hurry. Then he said another thing Certainly more important than the sale of printed books.

"Is it more important than the sale of printed books?" After all, the emperor, although curious but still calm, stretched out his chopsticks and picked up a piece of potato. After the second batch of potatoes matured, Li Er could already eat them. Be the first to taste this auspicious thing that is suitable for food and vegetables.

"It's more important than all the transactions in the world combined."

"Hiss!" He even pinched off the crispy stewed potatoes with too much force. Finally, Li Er couldn't keep his composure. With his chopsticks still in the air, he turned to look at Wang Xiang: "What you want to say is better than all the business in the world." Is it important to add up?"

Wang Xiang nodded solemnly, Li Er put down his chopsticks and his eyes flickered, he knew that Wang Xiang was not a person who likes to exaggerate all at once.

"Tell me, what is so important."

Seeing Li Er putting down his chopsticks and looking at him solemnly, Wang Xiang felt embarrassed to continue serving food, so he said two words: "Qianzhuang."

"The bank?"

"If this matter can be done, it will be a great event that will benefit the country and the people. At that time, His Majesty will find that other transactions are nothing, and those aristocratic families are nothing to worry about."

The reason why he added the latter sentence was because Wang Xiang knew Li Er's attitude towards the family. As expected, Li Er's eyes became sharp after hearing this.

"Tell me in detail!"

Wang Xiang smiled slightly and said, "This matter starts with an incident I encountered today."

"The golden nanmu in the palace is supplied by a Yangzhou merchant?"

Li Er didn't know why Wang Xiang asked this question, he frowned and said, "The golden silk nanmu in the palace is indeed supplied by outside merchants, but I don't know if it's Yangzhou merchants, this matter should be managed by the household department. "

Wang Xiang smiled and said, "I saw the Yangzhou merchant who supplied the palace with golden nanmu today."

Knowing that Wang Xiang had something to say, Li Er didn't speak.

"The businessman was trying to raise money and had to sell Chang'an's house."

Li Er wondered: "Since the businessman who supplies the palace with golden silk nanmu presumably has a lot of money, why did he end up selling the house?"

"I heard from him that there was something wrong with the golden nanmu that was brought in this time. The golden nanmu is more expensive than gold. Even if we sell the house, I'm afraid we won't be able to get enough money." Seeing Li Er frowning, Wang Xiang continued: "This person is somewhat responsible. He didn't abscond after such a thing happened, but collected money everywhere to re-ship a batch of golden nanmu."

Li Er nodded: "There has never been a problem with the supply of golden nanmu in the palace, and the occasional mistake is not unforgivable."

Wang Xiang smiled and said: "Your Majesty is merciful, but if there is a mistake, there is a mistake. If he can't collect enough money to re-ship a batch of golden nanmu within the time limit, it will be a violation of the laws of the Tang Dynasty."

Li Er couldn't figure out what Wang Xiang meant: "Then what do you mean?"

"Help him."

"I said that it is not unforgivable to make mistakes occasionally, and I will not pursue this matter."

"I didn't intercede for him. Even if His Majesty doesn't pursue his business of golden nanmu, I can't go on."

Li Er became more and more confused: "Then how do you plan to help him?"

Wang Xiang smiled and said: "This person can do the business of golden nanmu, which shows that he has some ability. In fact, he just lacks a chance to make up for such a thing. As long as he can raise enough money, I believe he can continue this business." Do it."

Li Er seemed to understand Wang Xiang's plan, and asked, "Are you going to lend him money?"

"I didn't lend him the money, but His Majesty lent him the money."

"I lent him money?" Li Erwen's eyes widened when he heard this, "It would be considered a special kindness if I didn't pursue his fault, but you still want me to lend him money?"

Wang Xiang obviously expected Li Er to have such a reaction, so he said in a calm and unhurried manner: "I said that even if His Majesty doesn't pursue it, it will only save him from prison, but the sale of golden nanmu is a Can't go on. If he can borrow a sum of money and be able to re-ship a batch of golden nanmu within the time limit, the fault will naturally not exist, and there is no need for His Majesty's extrajudicial mercy, and his golden nanmu business can continue. If we go on, it will only take some time to repay the borrowed money, so wouldn't it be better."

Li Er pondered for a moment, and his thoughts changed several times.

"It's really a better way for him. Why didn't you just lend him the money and come to me instead?" Li Er felt that this matter was far from simple, and he hadn't heard him mention the bank yet.

"Of course I want to borrow, not only the minister wants to borrow, I am afraid many people want to borrow, and the family also wants to borrow."

"Why is this?"

"Because money is not borrowed in vain..."

Li Er suddenly came to his senses, and shouted: "You plan to let me do the loan thing!"

Wang Xiang was confused by Li Er's sudden change, borrowing money?It sounds like this. Didn't it mean that there were no money houses in the Tang Dynasty?
Seeing Wang Xiang's puzzled expression, Li Er suppressed the anger in his heart and waved his hands: "There is no need to talk about this matter, how can I do such an unjust act!"

How could this be an act of injustice?Wang Xiang argued: "If a sum of money can be borrowed, then the Yangzhou businessman can continue the business of golden nanmu. This move is very good to him, why is it unjust?"

"Hmph! Didn't you just say that the money was not borrowed for nothing?" Li Er snorted coldly with an unkind expression.

Wang Xiang was stunned: "Yeah, borrowing money will naturally have to pay interest." Could it be that the ancients borrowed money because of friendship?

Hearing Wang Xiang's natural tone, Li Er was even more angry: "I have always raised money, and paid two hundred cash per month. Isn't this an unjust act? I usually don't say anything when you focus on buying and selling, but now you It really disappoints me to come up with such unrighteous actions as borrowing money!"

Wang Xiang could tell that Li Er was really angry this time, not the feigned anger of the past, but he really didn't understand why Li Er was so angry, etc...

"Your Majesty, when did the minister say that he would pay two hundred cash per month for the money?"

(End of this chapter)