Reborn Tang Emperor Li Chengqian

Chapter 143

Two months later, Datang's first bank was officially established in the prosperous area of ​​Dongshi City in Chang'an City of the Tang Dynasty, and opened its doors to do business.

In the past two months, Li Chengqian has spared no effort to vigorously publicize matters related to the bank.

The business of running a bank has long been known to every household. During this period of time, the most discussed topic among everyone after dinner is this emerging industry that suddenly emerged—banking.

Even if you just walk on the street, you can hear the topics that people are constantly discussing, and they can't leave the bank.

"Have you heard? I heard that the court is going to set up a bank called what?"

"I heard that, not only did I hear about it, but I also read today's Datang Daily, which clearly wrote about this matter."

"Ouch! I heard that this bank will give you interest as long as you deposit your money. I don't know if it's true or not."

"I think it's probably fake. How can there be such a good one in the world? As long as you put money in it, they will give you interest?"

"If you ask me, don't daydream! There is no good thing in the world, and I'm sure it must be a hoax."

"Impossible! This is an industry established by the imperial court. The imperial court shouldn't deceive us. Anyway, I don't trust anyone, but the imperial court."

"If you don't believe what I'm saying, then you should try it and see if it's true."

"Just try it, whoever is afraid of it! When the bank opens, I will be the first to save money."

"Okay! Each of you should say one thing less. According to what I said, it is not impossible to be true. Doesn't this bank still have the business of lending money?"

Such conversations can be heard everywhere in the streets and alleys of Chang'an City.

Therefore, on the opening day, there was a huge crowd of people in front of the bank, and everyone was crowded at the door of the bank to watch the excitement.

In order to maintain order, Li Chengqian also sent Cheng Wuting to lead hundreds of Donggong guards, and then dispatched some soldiers from Jinwu Guards to act as security guards to maintain order on the scene.

Seeing the heavily armed army standing around the bank to maintain order, everyone's trust in the bank increased.

Most of these people are people who come to watch the situation from the other side. They are afraid that the bank is just a scam. They will not deposit their money in the bank until the first person who eats the crab has the test result.

Some people have scruples in their hearts and worry about risks, so they can only wait and see.

Naturally, someone will dare to stand up first with a lot of hard work, deposit their savings in the bank, and wait for the final result.

Seeing someone stand up to save money, some people who are greedy for petty gain and follow suit also stand up and take out part of their savings and deposit them in the bank.

"You have collected this. In the future, I will use this to withdraw money, and our bank will handle it for you."

Every time the bank staff deposits a sum of money, they will give the person who came to deposit the money a copy of the ticket stub, in duplicate, and one copy will be left in the bank.

Even if it is accidentally lost, or for other reasons, as long as you come by yourself, you can make a replacement copy based on the loss report left in the bank.

Moreover, on this ticket stub there is a mark specially used by the imperial court to prevent counterfeiting.

This is to prevent someone from making fake and inferior ticket stubs for fraud.

"Everyone who wants to borrow money, please come here." The staff at the loan window opposite the deposit window shouted.

Merchants who need capital to do business come to the counter here to apply for loans.

"This is the loan contract you want to borrow. If there is no problem, you can sign and pledge on it, and you can get the money you want in this bank." The staff served the customer with a smile on their faces.

After carefully reviewing the contract, the customer confirmed again and again: "Just sign and draw on it, and then take the house, fields and other things as collateral, and I can get the money I want from you, right?"

"Yes, as long as you mortgage your house and other valuables, our bank will give you the corresponding loan money. You can rest assured that this bank is a formal institution run by the imperial court, and it is absolutely innocent." The staff remained the same Keep serving with a smile.

After getting an affirmative answer, the client immediately beamed with joy, and took out the house deed that had already been prepared, and placed it on the counter.

Waiting for the valuation of the staff, how much his house is worth, and how much money he can borrow.

The two parties sign a contract, and the lender can take away the loan, and only need to pay a fixed monthly repayment amount.

This is the bank's mortgage loan business. As long as there is a mortgage in the bank's hands, there is no need to worry about the other party running away. If the other party can't pay back the money, he can directly sell his mortgage.

The business of the bank is in full swing, and more and more people come to handle deposit and loan business.

As businessmen get loans to expand production and operation and earn more money, more and more people have tasted the sweetness, and they take their valuables at home to the bank as mortgages in exchange for funds to start business.

With the establishment of the bank, it has brought a lot of convenience to everyone, and businessmen have enough funds to expand production and operation, which by the way has driven the development of the economic market.

The more profits the bank earns, the more money flows into the East Palace.

Therefore, Li Chengqian also distributed a welfare to the East Palace, which filled the East Palace with joy.

Looking at the East Palace, which is making money every day, the officials of the household department who manage money and food are very greedy, but no one dares to jump out to collect taxes or something.

This is the crown prince's property, who dares to jump out and ask the prince for money, isn't it because the old birthday star hangs himself and thinks his life is too long!
Fortunately, they are not stupid. They take out all their family savings and deposit them in the bank to earn monthly interest.

Although the interest is not much, the mosquito legs are small, which is still meat. As long as the interest money is paid every month, they will not feel too little.

The news of Li Chengqian running a bank soon reached Li Er's ears.

The Minister of the Household Department encouraged Fang Xuanling to write a report to Li Er, reporting Li Chengqian's bank affairs in Chang'an City to Li Er.

Fang Xuanling didn't think much about it, he just regarded it as a routine matter, after all, he had to report such a big matter as the prince running a bank.

What's more, the Minister of the Ministry of Accounting is an honest person, and he doesn't have so many flirts. Reporting the affairs of the emerging industry of banking to His Majesty Li Er is also the job that the Minister of the Ministry of Accounting should do.

As for whether to levy commercial taxes from banks, it depends on His Majesty Li Er's will.

After Li Er saw it, he was shocked!The more you look at it, the more surprised you are!
On the same day, he wrote a letter to Li Chengqian who was far away in Chang'an, hoping that he could transfer the bank's income, except for the operation of the bank.

The remaining half belongs to his East Palace, and the other half can be used to enrich the treasury.

Datang's post station needs a large sum of money to maintain every year, and Li Er often worries about money.

With the money from the bank's proceeds poured into the national treasury, Li Er would not have to worry about the maintenance of the station.

　Ask for recommendation tickets, all kinds of requests

　　


(End of this chapter)