Datang all-rounder

Chapter 188

Wang Ke knew that it would be impossible for him to directly tell Comrade Li Er about his plans, because Comrade Li Er still did not understand what he was going to say. It is difficult for comrades to agree, even if it is difficult for Comrade Li Er to think about it.

What needs to be done now is to first let Comrade Li Er know what is going on and what are the benefits of this.

Wang Ke knew that since ancient times, although there were no formal banks before the Qing Dynasty, there were some shadows of money houses, but it was very late, and it first appeared in the late Qing Dynasty.But what is certain is that before the emergence of Qianzhuang, there will also be funds borrowed and borrowed, which is inevitable in any dynasty.

For capital raising, most of them are loans from relatives, and a small part is private loans. However, because the power of individuals is limited after all, there are still great difficulties when the demand is large. It was an important reason for the difficulty in expanding the production scale and low productivity. Of course, the development of science and technology at that time was also a big problem.

Wang Ke understood that he had to think clearly about the various relationships among them, so that he could explain to Comrade Li Er one by one, so as to move Comrade Li Er's heart, make Comrade Li Er resonate with him, and make his opinions recognized .

Comrade Li Er saw that Wang Ke hadn't spoken for a long time, felt a little strange, and asked in puzzlement: "Boy, why don't you talk? I'm still waiting to hear what you say is such a magical method!"

Seeing Comrade Li Er asking himself, Wang Ke quickly replied: "Your Majesty, this matter should not be rushed. I am thinking about how to explain this matter to the Emperor. If I cannot clearly let the Emperor understand the whole story, Then it’s useless to say it, it’s useless!”

Seeing Wang Ke's serious look, Comrade Li Er didn't want to perfunctory himself. He nodded and said, "Okay, boy, you have to figure it out before you tell me. I don't want to listen to it for a long time and still not know what I said. Today you As long as I understand what's going on, you can go back to the mansion and stay in the mansion, and wait for Nanping to give birth to the child before coming to the council."

Wang Ke was busy thinking about how to introduce this matter to Comrade Li Er, but turned a deaf ear to Comrade Li Er's words.

For Comrade Li Er, Wang Ke still admires Comrade Li Er in this respect. Unlike many high-ranking people, as long as he speaks, if the people under him don't answer quickly, even if the words are useless, he will be furious and think it is wrong. disrespect for oneself.Comrade Li Er is very clear about this point. If you have to answer, you must answer completely. If you don’t need to answer, you don’t force it, so that your subordinates will not have so many worries and can better serve themselves. Run errands and do things.

Wang Ke cautiously said to Comrade Li Er: "Your Majesty, I don't want to explain to the Emperor what this matter is and how to do it. First, let the Emperor know the general idea and then come back. Specifically speaking about this matter, I wonder if the emperor has any opinions?"

Wang Ke's plan is to explain the cause of this incident to Comrade Li Er first, let Comrade Li Er understand the meaning of it, and then slowly explain the benefits of running a bank, so that Comrade Li Er can compare Thinking, should be able to better let Comrade Li Er understand his intentions.

And now Comrade Li Er's eyes are darkened, he doesn't know anything, he doesn't understand anything.It’s just that Comrade Li Er has an advantage. If he doesn’t know, if he doesn’t understand something, he doesn’t easily assert it. Instead, he lets people who know the matter explain it clearly for him. If he doesn’t understand, he can ask. People in positions of authority are like those who don’t understand themselves, and are deeply afraid that others will know. They keep suppressing those who know the truth, and don’t allow others to speak out. In the end, they can’t do anything, and they can’t accomplish anything. Just a look of disdain.

Comrade Li Er nodded and let Wang Ke play freely according to his own ideas. He has only one purpose, that is, as long as Wang Ke can explain things clearly and let himself understand. I don't care, anyway, I don't understand it, and I don't know how to say it is right. In this way, Wang Ke was given a space to trust the horse and do whatever he wanted.

Wang Ke stood up and said as he walked: "Your Majesty, under the emperor's rule, the common people are quite different now than before. Not only can they have enough to eat, but they also have some spare money in their hands. It may be stored here at home, hidden there, and there is no fixed place to store it; in the rich family’s home, it is necessary to clean up the house for storage. Although the emperor has reformed the currency system, gold and silver are available. The use and storage of currency has been greatly improved compared to the past, but there is still a place to store it, and this problem still exists. And whether it is doing business or opening a workshop, you must have capital, the size of this capital It also determines that many people in a large university of this scale also want to do something on their own but are powerless because they have no capital."

When Wang Ke said this, he took a sneak peek at Comrade Li Er, and saw that Comrade Li Er flattered Comrade Li Er just because he was telling the facts and showing no trace of reasoning, and he was leisurely and contented. Wang Ke knew that he was Continue to talk in this way, Comrade Li Er will not interrupt him, but will think that what he said is reasonable, which will greatly help his chances.

Wang Ke cleared his throat so that Comrade Li Er could continue to listen to himself: "Since ancient times, although there has been a strong contempt for businessmen, because businessmen can make money to support their families, many people are still willing to go to the Engage in this industry. Now the emperor encourages all industries to develop simultaneously, which makes my Tang Dynasty a vibrant scene, and makes more people willing to engage in various industries other than official and farming. However, due to cost reasons, many people cannot Being bigger and stronger has also seriously hindered the rapid development of my Tang Dynasty. Now as far as I know, there are some people in the folk who do nothing all day and specialize in one thing. I don’t know how to use it. I act as a broker between people who want to borrow money but have nowhere to raise it. I can make peace for both parties, and I can also benefit from it. But the bad thing about this is that once the person who takes the money makes a loss If you don’t, the person who borrowed the money will lose everything, and the broker will disappear without a trace, and there will be no guarantee at all.”

As soon as Wang Ke said this, Comrade Li Er was a little moved. What Wang Ke said was so simple and easy to understand. Comrade Li Er understood what was going on as soon as he heard it. Now what Wang Ke said was Comrade Li Er I have never heard of it, but from Wang Ke's gorgeousness, Comrade Li Er still believes that what Wang Ke said is true.

At this time, Comrade Li Er had forgotten that this was just Wang Ke's opening speech, and asked anxiously: "Boy, isn't this making the common people unable to live? If the businessman didn't pay, he can also say that he did. The money will not be returned. These businessmen are hateful! Is there any way for the boy to punish these profiteers?"

Wang Ke did not expect that what he said would cause Comrade Li Er to hate businessmen. This was not his original intention. He just wanted to use this case to tell Comrade Li Er how bad private lending is. Reliable, to pave the way for myself to say what I think next, but now Comrade Li Er has changed my taste, it is really a mistake of my own!

But the mistake has already been made, what Wang Ke can do now is to make up for it, there is no other way.

Wang Ke said to Comrade Li Er: "The emperor said that there may be such cases, but not many. After all, this businessman values ​​profits, but he still needs to talk about credibility. Now my Tang Dynasty's household registration system is still very complete. It's not such an easy thing to abscond with money. Besides, unless he doesn't want to be in this industry anymore, it's not worth the loss. Easy stuff."

Wang Ke has his reasons for saying this. Although merchants value profits since ancient times, people in this era are still quite simple and value their own reputation. Wang Ke has encountered such things several times. His confidence, which had long since disappeared, also began to wake up, and his trust in this era increased a lot time after time.

Comrade Li Er couldn't tell what was wrong with Wang Ke's explanation, so he had to listen to it and believe it.

Wang Ke, after all the foreshadowing was done, it was time to get into the main topic: "Your Majesty, what I am thinking now is that the court should strictly prohibit such disorderly activities! However, since these are all carried out in private , the government cannot respond in a timely manner. Therefore, I feel that instead of going around looking for these people to attack, it is better for the court to take over this matter and let the court do this, so that these people have no market and will naturally disappear. "

Comrade Li Er didn't understand the connection between Wang Ke's words and the matter he wanted to ask today. He couldn't understand how this matter could be related to his own investment, but he could use the world's funds for his own use.

Before he could open his mouth to ask questions, Wang Ke had already started to say: "Your Majesty, what I want to say is that the imperial court should come forward to set up a bank, and let those who have spare money put the temporarily unused money in it. Although there are not many people, but if there are more people, the money will naturally increase, and the court will have confidence in spending, and it will no longer be as tight as it is now."

Comrade Li Er felt that Wang Ke's method was good, but he couldn't figure out how the common people would voluntarily send money in. Comrade Li Er didn't hesitate, and directly threw the question to Wang Ke.

Wang Ke said with a slight smile: "Your Majesty, there is no problem with this. They borrow money from the private sector only for profit. As long as the bank sets a rule, they can only get the lowest interest if they deposit in and withdraw at any time; According to the length of time, the interest given is different. The longer the time, the higher the interest. It is also profitable, and there are risks in private lending, but the imperial bank is based on Guaranteeing the reputation of the imperial court and the emperor is definitely safer and more reliable than private lending! Everyone understands this truth, and who would put the cart before the horse and take risks in private lending.”

Comrade Li Er understood now, but another question popped up: "This is good for the people, but the interest has to be paid by the imperial court. Isn't the imperial court doing business at a loss?"

Wang Ke is really laughing now. Comrade Li Er can ask this question, which means that Comrade Li Er is already on this matter, at least he will not resist it, but because there are still questions that have not been resolved, it is not possible to talk about it. I just agree, as long as this problem is solved, I think Comrade Li Er will happily agree.

Wang Ke explained: "The emperor forgot what I said before, people who want to do business or open workshops need capital, and they will find those brokers when they have no conditions. To get the capital, you can only borrow money from the bank opened by the imperial court. For this kind of borrowers, the interest rate must be higher than that of saving money. Is it profitable? And because the bank was opened by the imperial court, even if the borrower wanted to abscond with the money, he would not be able to escape the pursuit of him by the imperial court. Also, the person who came to the bank to borrow money did not intend to borrow If you can borrow, you must have guarantees, such as pledges, guarantors, etc. Once the loan cannot be repaid when it expires, you must use the pledge to repay, and the insufficient part must be repaid by the guarantor. In this way , I think there should be no problem!"

Wang Ke fully explained the implementation method and the measures to prevent losses. Comrade Li Er was dumbfounded. He had never heard of such an industry, let alone thought about it.

Comrade Li Er looked at Wang Ke with doubts in his eyes.He really didn't know what this kid was thinking about all day, although they were all weird things, but they sounded so tempting.What I said today, from Wang Ke's mouth, is so real in my ears, and there are targeted solutions to the current disadvantages of the people, and by the way, I can get a lot of money for the court. The good thing is, as Wang Ke said before, the investment is not big, but I can use all the money in the world for me.

Comrade Li Er is not a fool. Although Wang Ke did not express this truth clearly, Comrade Li Er has already understood that this is like the water of a river, which flows continuously to the sea. Part of the water will flow in, but the river water that keeps coming from behind will not dry up the river below the lake.This is actually a good way to benefit the people and share the worries of the court, killing two birds with one stone.

Comrade Li Er already has no opinion on this proposal in his heart, but the habit of many years has not made him lose his mind. He knows that no matter how good this method is, it must be discussed by several ministers who are calculating the situation before making a final decision. .

Comrade Li Er waved his hand and said: "I have already understood this matter, and the solution is good. Let's make a decision after discussing with Wuji and the others. The boy has talked a lot today, so let's go back to the mansion first. Good." Nanping, who takes care of me, if there is any mistake, I will not spare you lightly! Go, wait for me to think about it."

Wang Ke already knew from Comrade Li Er's expression that there was no problem with what he said. Now that Comrade Li Er let him go, he did not delay. After saluting to Comrade Li Er, he left the imperial study , went straight to his home.

As for Comrade Li Er and the others' final decision, Wang Ke no longer cared about it anymore. Now he only cared about when his wife would give birth to a child for him so that he could give birth to a first grade, and he didn't have to greet everyone.

(End of this chapter)