I was the emperor in the Ming Dynasty

Chapter 102 The Royal Bank
The matter of Lu Xiangru can only be regarded as a small episode, but what Li Tian didn't know was that just because Lu Xiangru and Qian Yi were discussing matters in the cabinet, it indirectly led to a great change under the undercurrent of the court, but these are all for later. up.

He personally sent Qian Yi out of the back pavilion, and seeing the sky gradually getting darker, Li Tian stretched himself, feeling suddenly moved in his heart.

The position of the emperor is really fucking not for ordinary people to sit on.

"His Majesty."

"kindness?"

Responding subconsciously, Li Tian turned around, only to see Jiang Bao looking at him bitterly.

Li Tianchang let out a sigh of relief, alas, the [-] to [-] eunuchs and maids have not been arranged yet.

"Let's go, go back to the imperial study, I will discuss with you how to arrange the eunuchs and maids."

Jiang Bao grinned when he heard the words, his brows were filled with joy, and he hurriedly greeted Wang Fulong to drive.

After returning to the imperial study, Li Tian was too lazy to sit in front of the imperial case. He untied his jade belt and threw it aside. He took off his boots and turned over limp. He leaned down comfortably and said:

"Wang Fu, ask the Imperial Food Supervisor to pass on some pastries."

With a promise, Wang Fu left the study.

Jiang Bao also hurriedly lit the red candles in the imperial study, and when the room was bright, he leaned over to the dragon couch and said:
"Your Majesty, would you like to invite Eunuch Zheng to discuss it together?"

"He's been busy training my personal guards recently, so don't bother him with such trivial matters."

Speaking casually, Li Tian rolled up his sleeves, picked up a vermilion pen, and began to write and draw on the white silk paper.

"Come here and watch carefully. If this happens, I promise those old eunuchs will erect a monument to your longevity."

"Royal Bank?" Looking at the four horizontal and vertical characters on the white paper, Jiang Bao was a little confused, so:
"Your Majesty, is this for business?"

"Yes, this is the place I found for those eunuchs and maids."

Jiang Bao was moved in his heart at this moment, but also very frightened, and hurriedly said:
"Your Majesty is the Son of Heaven. How can you do business for me and other eunuchs? If all the officials in the court know about it, it will be a catastrophe."

"Why not? Isn't Prince Zhu Gaosui also taking care of my royal property?"

"Your Majesty, this is different. Even King Zhao didn't end up with his own stature."

Glancing at Jiang Bao's anxious expression scratching his ear, Li Tian couldn't help laughing, and knocked on the square inkstone:

"Okay, don't stay here and play monkey games with me, I'm out of ink, hurry up and grind ink."

Seeing that the emperor was determined to go his own way, Jiang Bao had nothing to say, so he could only grind his ink and follow the words:

"Why does Your Majesty suddenly want to do business in the bank?"

"Nonsense, of course I'm making money." Li Tian said without raising his head as the nib of the pen brushed and danced on the paper.

Jiang Bao was speechless by Li Tian, ​​but he still kept slandering him in his heart.

What business can the bank do, other than exchanging bank notes for a small fee, isn't it just usury?

Thinking of the Royal Bank written on the paper, which would lend usury in the name of the emperor in the future, Jiang Bao felt flustered.

It is natural to make money from usury, but this is a business that ruins people's lives. If the emperor's morality is damaged because of the bank, he Jiang Baoke will become a sinner through the ages.

Thinking of this, Jiang Bao felt uncomfortable, gritted his teeth, reached out and grabbed Li Tian's wrist and said:
"Your Majesty, this old slave has thought and thought, this bank's business cannot be done. If your Majesty's morality is damaged because of loan sharks, even if this old slave dies [-] times, it will not be enough to apologise."

As he said that, Jiang Bao even got a slap in the neck:
"Your Majesty, this old slave has committed a crime. You should punish this old slave."

"What are you talking about? Let go of your hands. When did I say that I am going to lend usury?"

Jiang Bao was taken aback when he heard the words, subconsciously let go of his hand, and stared in bewilderment:

"How can the bank make money if it doesn't lend money?"

Moving his wrist, Li Tian glared at Jiang Bao, put down the pen in his hand and said:
"Using the face of the royal family to lend usury, you think I'm a fool."

"But apart from His Majesty who dares to call the Royal Bank, who else would dare to name it?"

"Don't interrupt, I also had a whim this afternoon, so please tell me first how the money houses in the market do business."

"Ah." Jiang Bao's mouth grew loud all of a sudden:

"Your Majesty, you don't know how to do business."

Stretching out his legs to greet Jiang Bao, Li Tian slapped the table and cursed:
"Fuck, you fucking mess with me again, I don't care, anyway, those eunuchs and maids have been here for so many years, and it's not as bad as me for decades."

"Don't stop, Your Majesty, this old slave won't talk anymore." Jiang Bao slapped himself twice and hurriedly said:
"The money houses in the market mainly do two businesses, one is to exchange bank notes for profit, and the other is to issue various bank loans.

The big banks in the capital have branches in various states, counties and even provincial capitals. For example, Your Majesty, you deposited 1 taels of silver in the Huitong Bank in the capital, and someone gave you a bank note.You can take out this silver at the branches of Huitong Bank all over the world, and receive one tael of profit for every 100 taels of silver.If your majesty has saved for more than three months, you will have to pay one tael for every 100 taels. "

Ancient banks have had cross-regional deposit and withdrawal business since the Tang Dynasty, and deposits not only do not pay interest but also pay storage fees. Li Tian knew this a long time ago, nodded, and signaled Jiang Bao to continue.

Speaking of various bank loans, Jiang Bao suddenly became excited:

"Your Majesty, do you know how much interest is charged by the banks in the city? The minimum is four cents. If you borrow 100 taels of silver for a year, you will have to pay back 140 taels. If it is 1000 taels of silver, you will have to pay back 480 taels of interest. And this interest It can only be borrowed from big banks, and if it is a small bank or a private lender, the interest is [-]% and [-]% interest, or even [-] out of [-] returns."

Having said that, Jiang Bao changed the subject and hurriedly knelt down and said:
"Your Majesty, although this business of lending money is worth a lot of money every day, it is a bad business. You must not do it, Your Majesty. People who can read and write know that this is called usury, and those who cannot read are called beheaded loans. .”

"Get up for me." Seeing that Jiang Bao started to convulse again, Li Tian rolled his eyes and said:

"When did I say I was going to lend usury?"

"Where is there a bank that does not lend usury, the old slave has never heard of it."

Li Tian smiled lightly, shook his head and remained silent.

People in this era are still too naive. In the next few hundred years, which bank will survive on usury?And which one didn't make a lot of money?
"I have a decision in my heart, so you don't have to worry about it." Picking up the brush and continuing to write, Li Tian said leisurely:

"What you have to do now is to find a shop in a good location in the city and buy it, and then go to the Inner Court to pick out some young and old eunuchs who can settle accounts. As for the rest, just leave it to me."

"Old slave obeys the order."

Jiang Bao responded subconsciously, but he was still very puzzled.Banks that don't lend money, how can there be banks that don't lend money in this world?
(End of this chapter)