Change the Tang Dynasty Li Yuanba

Chapter 126 It may also be the scourge of the subjugation of the country

"Speaking of making Datang Baixin rich, Second Brother has something else to discuss with you."

Li Shimin suddenly remembered something and said to Li Cha.

"Oh? Second brother, if you have anything to say, just say it."

Li Cha answered nonchalantly.

"Isn't this about making the people of my Tang Dynasty rich? A few days ago, your two nephews, Li Ke and Li Yin, gave me a detailed report, saying that it was working well and could make me rich. The people of the Tang Dynasty became rich quickly."

"It's just that I was busy with other things at the time. I didn't listen to their detailed explanation. I asked them to leave a report."

"Later, I also read it seriously. I understood some places, but I didn't understand some places."

"No, I've been busy for the past two days, and I didn't come in time to summon them. I just want my third brother, who is omnipotent in heaven and earth, to come and explain my doubts."

"Okay, okay, this flattery is not loud at all, you are talking about the one about building a bank, right?"

When Li Cha heard Li Shimin's flattery, he almost threw up. As his second brother, his image is too far behind.

And the brain circuit of our King Hua of the Tang Dynasty is surprisingly different from that of normal people.

Li Shimin said in an exaggerated tone that he is omnipotent in heaven and earth, which is rare in thousands of years.

Our Highness King Hua actually thought of the scene where Li Shimin was talking to his women in a serious manner.

This thought, the picture is too beautiful to dare to think about it again.

"Yes, it's about the bank. My third brother is indeed omnipotent and omnipotent."

Li Shimin thought it was amused to see Li Cha's disgusted look just now, so he praised Li Cha again.

"Ouch, second brother, it's okay if you want me to explain your confusion to you. Then tell me first how you talk to your women. Hahaha."

If you don't make it easier for me, I will make it easier for you. Don't you know that I, Li Cha, are the most narrow-minded?
"Third brother, you...you...how decent are you?"

Li Shimin's face turned red from Li Cha's words.

"Hahaha. It makes you sick of me. Tell me, what don't you understand? In fact, I don't understand many things very well. For some things you don't understand, you have to ask Li Ke and Li Yin. Finance Both of them know more about this now than I do.”

After Li Cha flirted with Li Shimin, he didn't embarrass him any longer, and spoke directly.

"Third brother, I understand the truth, let's not talk about whether it can make the people rich. For Datang, this bank is definitely a good thing."

"The report said that with this bank, taxes from various places no longer need to spend a lot of manpower and material resources to escort them to Beijing."

"Directly convert the value locally, deposit the money in the bank, and only need to hand over the stub to the household department."

"And the Ministry of Households directly withdraws money from the Datang Bank, and uses the money to replace the previous Lumi, and the salary is used to distribute the salary to the officials."

"Whatever the ministers need, they can just buy it themselves."

"Then, the grain from various places is directly sold locally and stored in local banks, so that the funds allocated by the imperial court do not need to be transported from Chang'an City to various places, and the money can be directly withdrawn from the local banks."

"Only this one item is a major reform. These two boys have thought of everything before me."

Li Shimin is very satisfied with the performance of his two children.

"The report also said a lot about the role of banks, which are beneficial to business development and people's business. I can understand a little bit, but I don't know if it is right."

"Third brother, I really don't know much about doing business. You see, businessmen in my Tang Dynasty, whether they go overseas or do business in China, they always transport local specialties to another place for sale."

"Then buy the special products of this place, ship them back to the local area to sell, and make a difference from the middle. What's the matter with the bank?"

Li Shimin asked his first doubt.

"Second brother, you really don't know how to do business. The kind you mentioned is the most common, the most common and the lowest businessman."

"You deal with major national affairs every day, and you rarely come out, so you can only see these."

"Do you think there is a shortage of things in Chang'an City, such as medicinal materials? Is there still time to wait for the merchant to sell the things and then buy them back? When he sells the things he took away and comes back , there may be no shortage in Chang'an City."

"At this time, is it convenient for this kind of merchant to transport a cart of copper coins to buy medicinal materials, or is it convenient to take the stub to the local area to withdraw money and buy it?"

"Let me give you another example. Last year, there was a bumper harvest in Jiangnan Road, but the harvest in Hebei Province was poor. The price of a bucket of rice in Jiangnan Road was one penny cheaper than that in Hebei Province. Some merchants made the price difference and transported the rice from Jiangnan Road to Hebei Road to sell."

"These merchants use copper plates instead of taking the goods to sell and then changing them into rice."

Li Cha briefly explained with two examples.

"That's it, I understand."

"But this bank only serves the imperial court and merchants, so it is necessary to build a large number of banks throughout the Tang Dynasty. Isn't it a bit of a loss? Besides, I don't have so many copper coins in the Tang Dynasty."

Li Shimin asked again.

"This is what you told me just now. You read the report seriously? You only read two pages, right? Are you kidding me?"

Li Cha said something contemptuously.

"Hehe, isn't the second brother busy? I just read two pages, but I was delayed by the memorial."

Li Shimin said with a sneer.

"Second brother, if the bank really only served the court and businessmen, I wouldn't have promised Li Ke and Li Yin brothers to hand over the report to you. Go back and take a good look and talk to me."

When Li Cha heard that Li Shimin didn't read the report carefully at all, he immediately lost interest in explaining to him.

"Third brother, you should tell me first, so that when I go back and read it, I will have an important point. The most important thing is that what you say will directly affect my judgment."

Li Shimin said clearly.The meaning in the words is obvious, your words, Li Cha, are the key to my decision on the next step.

"Second brother, let's put it this way, the bank is prepared by me for all the people in the Tang Dynasty. As long as all the banks in all parts of the Tang Dynasty are built, within two years, all the people in the Tang Dynasty will be able to use them."

"I won't explain this to you. You go back and take a good look at the report. Then just agree."

"People in the Tang Dynasty hide their money at home, and they are afraid of rust and thieves will miss it. How can they replace it with a certificate of deposit to make them feel at ease. And if it is stored in a bank, they can let the money directly generate money."

"The two years I'm talking about is the time for the Qianzhuang to gain the trust of the people of the Tang Dynasty. As for businessmen and aristocratic families, as soon as the Qianzhuang appears, they will be sought after by them."

After Li Cha heard Li Shimin's words, he also said it bluntly.

"We manage money for them, pay manpower and material resources, and give money to those who save money?"

Li Shimin was shocked by the phrase that money directly begets money.

"Just take a good look at the lending system behind the report and you will understand."

"By the way, there is also the matter of the bank note, you should take a good look at it too."

Li Cha highlighted the two functions of the bank.

"A bank note? A note made of silver?"

Li Shimin couldn't understand again, and asked again.

"Hehe, you really know how to think. Do you have that much money now?"

"Silver bills refer to non-perishable paper that can replace silver and copper coins as currency for transactions."

Seeing Li Shimin's confused face, Li Cha didn't wait for him to ask, and started to explain directly:

"I guess you don't understand, let me explain this silver ticket to you."

"Whether it's copper coins or silver ingots, in addition to their own value, they are only used as a carrier for transactions."

"Of course, there is too little silver now, and it is only used as a reserve fund for large-scale transactions between major families, and it is rarely used by ordinary people. The main currency now is still copper."

"But when you encounter a business of tens of thousands of coins, you need a few carriages to pull copper coins? So we need coins that are more valuable than copper plates to replace them. That is, silver, which is rarely used now. There are even higher ones, such as gold. .”

"Second brother, my Tang Dynasty is getting richer and richer. Looking at the development of the past two years, you know that soon, Datang will not be the day when you can go to the streets with a few pennies and spend a day in Chang'an city beautifully. gone."

"When people are rich, they will pursue spiritual enjoyment, and there will be more and more large-value transactions."

"A large number of copper coins will become an obstacle to these transactions. In this case, the birth of silver notes is a trend that conforms to the times."

"Of course, this is something to be done in a few years. It's too early to do it now. The academy has already been looking for silver in the Tang Dynasty. Let's wait for the silver to replace a large number of copper coins, and then we will consider the silver ticket. Things always develop according to certain laws.”

"The day when the bank notes appear, it means that Datang has truly entered a period of rapid and stable economic development."

"Of course, the appearance of bank notes is not necessarily a good thing. Its advantage lies in its convenience. But if it is not done well, when there is a disaster, it is likely to be the scourge of the country's subjugation and become the last straw that overwhelms a regime."

Li Cha briefly explained to Li Shimin the reason for the appearance of the bank note.Finally, the danger of a mouthful of banknotes was mentioned.

"Third brother, why do you explain me more and more confused?"

Li Shimin became more and more confused the more he listened.

"There is nothing to be confused about. The reason is very simple. Whether it is copper coins or gold and silver, they are valuable in themselves. When the dynasty changes, the people can still continue to use them, or they can be recycled and recast."

"However, if the banknotes are unusable, they are just a pile of waste paper. At that time, it will be time for the real rebellion of the whole people."

Li Cha briefly explained the possible disasters caused by the bank notes.

"Then we don't need this kind of silver ticket. Can't we just use silver or gold?"

Li Shimin said.

"Second brother, we shouldn't stop the development of the times. That can only slow down the pace of my Tang Dynasty's development. What we have to do is to prevent problems before they happen."

Li Cha said.

"Actually, what you said, third brother, is not a big problem. My Tang Dynasty is now worshiped by all nations, and the people live and work in peace and contentment. I don't see any signs of chaos or change of dynasties. My Tang Dynasty can last forever."

Li Shimin replied with pride.

Every reigning emperor, as long as the country was already in turmoil when the last generation came to the throne, would firmly believe that his dynasty would last forever.

After Li Cha heard this, he didn't speak any more.

The eternity that Li Shimin said was exactly the goal that Li Cha worked hard for.It is also the driving force behind his hard work to change Datang over the years.

(End of this chapter)