Reborn Tang Emperor Li Chengqian

Chapter 142 Datang Royal Bank (2)

After Li Chengqian said this, everyone present began to feel alive.

If it is true that as the prince said, they can get interest every month, and they also want to deposit the money in the bank.

Over time, how much money can I have?
No one in this world would dislike having a lot of money, but everyone's way of seeking money is different.

Some people follow the principle that a gentleman loves money and obtains it properly!To earn the wealth they deserve through legal means.

But some people don't care so much, as long as they have money, they can sell anything, and they can do any outrageous things.

"Your Highness! How should the bank operate? How should the interest be calculated?" Li Jingxuan asked.

Everyone's eyes were focused on Li Chengqian. This was related to the interest on everyone's savings.

"One percent interest is given every month. Anyone who deposits money in Datang Royal Bank starts with one hundred copper coins, and must deposit for a year before giving interest, otherwise there will be no interest at all. .” Li Chengqian stated his standards.

In fact, as early as the Tang Dynasty, there was an institution similar to handling certain banking services called counters. It first appeared in the early years of Emperor Xuanzong of the Tang Dynasty.

The main business of the cabinet shop is to keep gold and silver property on behalf of merchants, and charge a certain rent. When merchants need it, they can withdraw it by post (equivalent to a check) or token.

At the same time, it also charges interest on foreign loans, which can be said to be the earliest prototype of a bank in my country.

However, the predecessor of the counter shop evolved from the Didian.

Didian is a warehouse, store, and guest residence. In addition to helping people keep goods, it can also buy and sell goods and provide a place for food and lodging.

Li Chengqian, the Royal Bank of the Tang Dynasty, was similar to the cabinet workshop in the early years of Emperor Xuanzong of Tang Dynasty, but it was different.

The difference is that the cabinet workshop is to support the operation of the cabinet workshop by collecting rent for the storage of property, which is equivalent to a locker.

The bank is different in that it is a fund-raising nature, which gathers all the funds of all people, and then charges high interest by lending to others.

On the other hand, the bank needs to pay a little interest to the depositors, and the bank acts as a transfer station in this.

Datang Royal Bank is temporarily focusing on these two businesses. As for other businesses, it will not be too late to increase them in the future.

In the future, insurance, pensions, social security funds, etc. will be developed to benefit the people of Datang and let them live a better life.

"What do you think of the idea of ​​the widowed bank? If it is feasible, then do it?" Li Chengqian asked.

As the crown prince, Li Chengqian could run the Datang Royal Bank without their consent.

But he alone can't run the whole bank, not to mention that he has to supervise the country and handle government affairs every day.

Where there is time to manage the affairs of the bank, the affairs of the bank can only be handed over to the confidants.

As a time traveler, Li Chengqian naturally had to vote democratically on whether the bank's proposal could be passed.

Li Chengqian believes that as soon as the money saving policy is launched, many people will rush to deposit their savings in Datang Royal Bank.

After all, depositing in the bank can still get interest, and who would not want to take advantage of the benefits.

Being greedy for petty gain is one of the evil roots of human beings. When the time comes to spread the news that you can get interest on bank deposits, you are afraid that no one will invest money in the bank.

As long as they do what they say, the bank will be able to operate. Li Chengqian has already given a standard for how to pay interest.

As for lending in this way, Li Chengqian doesn't have to worry about it. Most of these people are good at charging high interest for lending.

The matter of lending money is too simple for them.

"Your Highness! This bank is good, but, is this bank allowed to be established by the private sector?" Zhao Jie asked.

In the eyes of Zhao Jie and others, if the bank is really what Li Chengqian said, the bank is simply a good industry with no capital and no profit.

The high-amount loan alone is enough for them to make a lot of money, and they are also very tempted. If Li Chengqian agrees that private banks can also be opened by the people, they will participate without hesitation.

"Of course this is not possible. Banks can only be run by the court, and private banks are strictly prohibited." Li Chengqian said without doubt.

On the matter of the bank, Li Chengqian would not give in no matter what.

Since ancient times, monopoly business has been the most profitable, so naturally Li Chengqian would not share it with anyone.

After everyone heard this, they were somewhat disappointed. Such a good tool for making money could only be held in the hands of the court, and they were somewhat frustrated.

"Then, if you have any other opinions and ideas, you may wish to express your own opinions and discuss them." Li Chengqian said.

"I think that there is no need to discuss the matter of the bank. For such a matter that benefits the country and the people, I should support His Highness!" Du He was the first to stand up and support.

"Senior!" Zhao Jie was the second to stand up and support.

"Senior minister!" Li Yifu, Li Jingxuan and others also expressed their support.

"Well, since everyone supports the widow to run a bank, the next step is to choose a location. Where should the bank be built?" Li Chengqian asked.

"Your Highness! I think the bank should be established in the bustling West Market or East Market, where there are the most people coming and going."

"In this way, it will be convenient for merchants to borrow money, and it will also be convenient for everyone to deposit their money in the bank." Li Yifu said.

The east and west cities are the industrial and commercial districts of Datang, where most people spend their money.

It will be more convenient for everyone to choose the address of establishing the bank in these two places.

"Okay! Just do as the Yifu said. Where it is now, I will leave this matter to you in the Yifu, and you can start. The widow will appoint full authority to handle this matter. The bank must be completed within two months." Li Chengqian said.

"Thank you Your Highness for your kindness!" Li Yifu was overjoyed and hurriedly saluted.

"If everyone has no other opinions, let's leave! This is the end of today's discussion." Li Chengqian said.

"Resignation!" Everyone got up and bowed to leave.

After Li Yifu left the main hall, he left in a hurry, the crown prince only gave him two months, he had no time to waste time.

Li Yifu went to the east and west cities for some investigation, and finally selected a site on the east side of the city, and then requisitioned a shop here to directly transform it into a bank as the head office of the bank, and then chose a place on the west side of the city as a bank. The semicolon.

The reason why Li Yifu chose Dongshi as the head office is because Dongshi is close to Da Nei, and there are many residences of royal families and dignitaries in the surrounding squares. needs.

There are more rich people here, and more businessmen, which will definitely bring huge benefits to the bank.

(End of this chapter)