Chastity Layman

  Chapter 230 Hot Chang'an

  Zheng Shanguo was playing with a piece of paper in his hand.

  This piece of paper is covered with the big seal of the forwarding department, and even the signature of the forwarding envoy Qin Lang, as well as exquisite patterns, which are very beautiful.

   "It's just a piece of paper? You've stolen our family's 10,000 yuan?" Zheng Xuandu, the second son of the Zheng family, burst into anger, feeling aggrieved.

   Zheng Shanguo just leaned on the couch and smiled.

"How can you say it wrong? Didn't Qin Zhuanyun make it clear? This is called borrowing. Our family lent 10,000 yuan to the imperial court for a period of five years, with a monthly profit of two cents. repay."

"Hey, the monthly interest is two cents, or simple interest. Even if the ten thousand can be repaid in five years, the interest will only be twelve thousand. We use such a large amount of money to lend and operate it ourselves. The principal earns interest, and the interest Rolling profit, more than doubled in five years?" Zheng Xuanfan, the third child, was also dissatisfied.

  The boss Xuan Xu said with some concern, "I'm afraid that this is Liu Bei's borrowing of Jingzhou. If there is a loan, there will be no repayment. Let alone the benefits, what can we do?"

  Zheng Shanguo stroked his gray beard, listened to the quarrel between his sons, and lamented in his heart that one generation is not as good as the next. No matter what time it is, I am still thinking about this extraneous thing.

  He lifted the bond and tore it to pieces in two or three strokes.

   "Aye, what is this for?"

   "It's over, what shall we use to collect money then?"

  Zheng Shanguo shook his head, "What kind of money do you receive? I never expect to get back this ten thousand guan money when I send it out. Can the emperor borrow money from his ministers, can it be called a loan?"

  The current predicament of the Zheng family, if 10,000 yuan can change it, then it is worth it.

  Although Qin Lang said it nicely, he said that this is a bond issued by the Transshipment Department.

  Although it is far from the eighth of the monthly profit of the official government office, it still has a two-point profit.

   It's just that Zheng Shanguo doesn't believe that the court borrowed money from the people, isn't it just a disguised donation, and they still expect to pay it back? Not to mention the interest.

   This ten thousand guan, it should be regarded as a disaster avoidance.

   means that his Zheng family surrendered to the emperor.

   Several sons of the Zheng family sighed again and again, ten thousand guan. Even for the Zheng family in Xingyang, this is a huge sum of money. After all, the Zheng family's great fortune has been saved for hundreds of years, but there are many people in the family, and many properties are real estate such as fields and houses.

  ······

  Eastern Palace.

   Li Shimin is also looking at a bond.

   This is a registered bond of one thousand strings, the holder is Empress Changsun, and the issuer is the Transshipment Department.

   "Why are you joining in the fun?"

  Li Shimin was a little helpless.

"Why is this concubine joining in the fun? Didn't Saburo make it very clear that this is a national debt issued by the Tang Dynasty. There are borrowings and repayments. The monthly profit is two cents, which is not bad. The concubine took some money Isn’t this also supporting the court?”

  After Qin Lang was ordered to establish the transshipment department, the first thing he did was to issue Datang treasury bonds, with a monthly profit of two cents, all of which were five-year terms.

The lowest denomination is Yiguan, the highest is 10,000 guan, there are five denominations: ten guan, hundred guan, thousand guan, and ten thousand guan. Give the certificate, and the transshipment company also has a deposit certificate. After the expiration, I will go there in person with the certificate, and two verifications when exchanging.

  Qin Langman promoted the national debt in Chang'an, saying that it was to support the imperial court and government, etc., and also publicized that the income of this national debt was stable and reliable, and ordinary people could subscribe.

   "If you are really rich, you can just take it out and put it in the treasury." Li Shimin said.

   "Saburo said, you don't distinguish between public and private. The emperor's internal treasury and the imperial treasury have to be separated. I subscribed for a thousand guan, which is also an example."

"Do you think Sanlang's bond is feasible?" Li Shimin asked. In fact, Qin Lang's implementation of the bond is a bit hasty now. There are still many voices of opposition in the court, but Li Shimin has no choice. If the salary cannot be paid, the Sixth Army of the Beiya will also be disbanded.

"Compared to persuading donations, this bond is a loan. If there is a loan, it will be repaid, and it will be better if it is returned with interest. It will not cause too many complaints. It's just that the concubine is more worried about repayment when the time comes. Five-year period, two-month interest. points, the due interest is 20% higher than the principal, and the repayment pressure is great!"

   Li Shimin also nodded. The two-point interest was decided by him in the end. In fact, compared with the government's public money lending and private private lending, the bond interest of the imperial court is indeed a bit lower.

   But the imperial court couldn't afford it too high.

But Qin Lang also said that the interest rate was set high, he meant to buy the bonds of the imperial court, which is a stable income without risk, he wanted to set a monthly interest rate of one cent, in the end Li Shimin felt that one cent was too low, So finally set two points.

  Qin Lang kept shouting too high.

   "Issuing this bond to borrow money is only an expedient measure. In the final analysis, the country's finances still depend on itself. Borrowing money must be repaid, not to mention that the low interest rate is also a burden."

   This is eating more than enough food for free, which was opposed by many ministers, but Li Shimin had no choice.

  Qin Lang found a group of old subordinates of the Zhenfu Department to help sell national bonds, borrowed their site on Jiumen Liujie to set up a bond sales point, and asked them to send people to help promote and maintain it.

  According to Qin Lang's plan, he will issue 1 million bonds in order to raise this huge sum of money, which will be used to alleviate the immediate urgent need. Although Li Shimin felt that he had borrowed too much, he would be under great pressure to repay the loan. But since you want to borrow, you should borrow more, and you can't borrow again every now and then.

  In fact, many officials in the DPRK attacked Qin Lang, thinking that this way of raising debts was simply unprecedented. But Qin Lang still felt that this was the fastest and easiest way to get money.

Others, such as the sale of monks' Taoism certificates mentioned by some officials, the sale of official land, the sale of cattle and horses owned by officials, etc. Qin Lang felt that the operation was complicated and the money was slow, and secondly, selling at this time would be selling state-owned property at a low price. assets.

The monthly interest rate is two cents. This interest rate is indeed too high. For those famous nobles who hold large sums of money, the interest rate may be relatively low, but in Qin Lang's view, such a stable income, the risk is so low, almost no risk. The risk is certainly worth buying.

  Even if the powerful nobles have their own ways of making money, isn’t it good to buy some stable bonds properly?

   Besides, Qin Lang didn't only go to those big clients, how many retail investors did he have?

  Those people who don’t have a lot of money in their hands, so one or two pairs of spare money, they just put it away, and they can’t borrow this money. If they save it, they have to pay them a handling fee.

  Although there are not many such twos and twos in each person's hands, the accumulation of armpits makes a pile, and the accumulation of sand makes a tower.

People who have no channels, money is dead money in their hands, but if you buy this bond, you can enjoy two cents of monthly interest for one or two pennies. It has become four consecutive four, this kind of good thing that money makes money, ordinary people can break their heads.

At the Chongmingmen subscription site, Qin Lang subscribed for 3,000 bonds in public. It's not because he was stingy, but because he didn't have much cash in his hand. He was originally from the family, but later he was busy raising chickens and ducks, drinking wine. He runs a dry food workshop, and opens salt shops and restaurants everywhere. The three thousand coins are almost all his cash now.

  With Qin Lang taking the lead, Qin Lang's current subordinates and former subordinates such as the Transshipment Department and the Zhenfu Department also subscribed one after another.

  The news that the Zheng family in Xingyang subscribed for 10,000 Guan was properly publicized.

Qin Qiong also rushed to the scene and subscribed for 5,000 guan bonds. He took out many gold, silver, jewelry, silk, etc., which were rewarded by the emperors of the two dynasties successively, and exchanged them in Chang'an Gold and Silver Shop, and then pulled the cartloads of silk money to the scene , Subscribe for 5,000 Guan.

   "Ping Zhangshi, Minister of the Ministry of War, Shangzhu Kingdom, Qi Guogong, subscribe for 5,000 Guan!"

  A tall transshipment officer sang the newspaper there, and immediately someone came over to approve the red banner for Qin Qiong, and then hugged him and began to parade through the streets. The official held several large banners, which stated the amount of Qin Qiong's subscription.

  Five thousand guan!

Ma Zhou subscribed for ten guan. This man has no savings and has not been an official for a long time. Although he has also joined a baron now, it is only a false title and has no real economic benefits. He is now of high rank, but the court has not yet He was paid a salary, and his house was rented to him by Qin Lang before.

  Later, the emperor gave some rewards, plus the money from his time in the Zhenfu Department, so he bought Qin Lang's house. After buying some things, he didn't have much money left.

   Now he took out ten guan, which is also his entire net worth.

  Participating in politics, secretary supervisor Wei Zheng came over and subscribed for three hundred guan.

  His salary is not low, but now the imperial court is in arrears of salary, and the baronship of Weicheng County is also a vain title. Originally selling wine was a lot of money, but now the famine bans wine, so the extra money is also cut off. The three hundred guan is the extra money he earned when he went to Hebei with Qin Lang.

  The red-haired girl is here.

  She bought a thousand strings.

   "Miss Zhang is very courageous."

   "You, Qin Sanlang, bought 3,000 guan, so I will follow you to buy it." Zhang Chuchen is very optimistic about Qin Lang now, and she has to think about what Qin Lang is doing.

   "You can buy more of that lady." Qin Lang said with a smile.

   "One thousand pennies is a lot, but I took out all my private money."

  Qin Lang paid more attention to those retail investors. It has to be said that the formation Qin Lang created was pretty good, and the publicity was also in place.

  The monthly profit is two points, and after five years, the profit will be doubled and doubled, which makes many people very excited.

  Especially when I came here and saw that Qin Lang, Qin Qiong, Zheng Shanguo, etc. were actively subscribing, and they were all big money with tens of thousands of pens, I didn't doubt him anymore.

  Everyone is scrambling to buy, fearing that they won't be able to grab the opportunity.

  And Qin Lang also launched a buy-and-get-gift activity for these ordinary people who came to buy bonds. If you buy a consistent bond, you will get an egg, and you can give up to ten eggs. This egg is free.

   If you don't take advantage of the advantages, you will suffer.

  Suddenly the passion of the crowd was detonated, and the scene was called a lively scene, with huge crowds of people, red flags waving, and gongs and drums blaring...

  Only half a day.

  The copper coins collected from various subscription points piled up into a high mountain of copper, a continuous mountain of silk and cloth!

  The first battle was won, and the news of the victory spread to the East Palace. When Li Shimin heard that all the one million bonds had been sold out in just one day, he couldn't help being dazed, and then he was overjoyed.

  Finally rich!

   One million pennies!

  The Sixth Army of the Beiya does not need to be disbanded, and the officials in Chang'an can finally pay their salaries. Next year's Zhengdan Dynasty will also have money to run, so there is no need to be ashamed in front of the envoys of various countries!

  (end of this chapter)