Mohist Tang

In the Hall of Tai Chi, numerous officials gathered, the West Expedition for Gaochang is about to come, and the three provinces and six ministries are intensively preparing.

“If something happens, retreat without issue!” As Pang De’s sharp voice remembered, the early morning came to an end.

“The sons and ministers have their own play!” Li Chengqian, who stood at the head of numerous officials and listened to politics, bowed out and said.

“Oh! Crown Prince come here quickly!” Li Shimin saw Li Chengqian coming out, his eyes flashed, Li Chengqian is the next generation of successors he carefully cultivated, and he is normally very stable. Said that he was extremely satisfied. Normally, Li Chengqian always listened to politics, studied government affairs hard, and rarely played. Today I suddenly heard Li Chengqian play, naturally, I was surprised.

“The child minister asked Father Emperor to let the station send the items, and at the same time prepare to build the station bank!” Li Chengqian said loudly, and handed a folder with both hands.

Finally! There was an uproar among the officials. The quarrel between Mohist Family Son and Crown Prince in the Lizheng Hall had already spread to the ears of the imperial court princes. They naturally knew that Li Chengqian had prepared the decision to form a post bank.

“Send! Post bank?” Li Shimin couldn’t help being in a daze. The original post was a very simple agency that transmits official documents and information. It swallowed a lot of wealth every year, but it was the Ministry of People is the most tasteless institution. It is tasteless, but it is a pity to discard it.

However, he was only traveling for a few months. When he came back, Li Chengqian reformed the station to deliver letters and newspapers to the people all over the world. The stations finances improved greatly. However, three years passed quickly. , The post has grown into a huge monster, and it has to include shipping and banks.

Wei Zheng frowned said: This old official I heard that post mail is a business opened by the Imperial Consort Empresss pity for the subordinates of the world. Naturally, it benefits the country and the people, and the post bank is for Profit, is there any suspicion of competing with the people.

Unexpectedly, none of the Aristocratic families who had been involved with the School of Usury came forward. Instead, Wei Zheng had nothing to do with the School of Usury. Come forward to oppose.

Li Shimin turned his head and looked towards Li Chengqian and said: “Crown Prince, what can you justify?” “

“Back to Father Emperor! The post bank is operating money, naturally for profit, but it is not competing for profit with the people. The profit of the post bank can make up for the stations years of continuous losses, make the station profitable, and reduce the burden of State Treasury. “Li Chengqian loudly said.

Dai Zhou nodded, since the reform of the post, the Ministry of People can operate with very little money. Once the post bank is established, it may be able to feed back the Ministry of People. He knows how Mohist Village Bank is a great money-sucking tool.

“Secondly, the largest private bank Bank is the Money Transfer united by Mohist Village Bank and local banks. However, both Each has its own advantages and disadvantages. Although the Mohist Village Bank has low interest rates on bills and loans, there are only ten Mohist Village banks and there is no time to take care of Great Tang. “

” And Money Transfer is widely distributed, but the Feiqian commission and Bank loan interest are quite high. The people are miserable. Once the post bank is established, they can learn from the two advantages. The post bank has The most extensive outlets will also take the most favorable bills of exchange and loan interest. As a result, Heavenspan will naturally benefit the people. “

“His Royal Highness Crown Prince is kind! “Many neutral officials nodded. Once Li Chengqian succeeds in this move, it will indeed benefit the world.

Li Chengqian said resolutely: “Yizhan Bank must not only set an example, but also take the responsibility of supervising Bank. A few years ago, the harm of usury has been announced to the world, but the usury is still common everywhere in the world. The people suffer from it, and there are countless homes and deaths. The sons and ministers urge the Father Emperor to abolish the usury in the world. If the private loan exceeds 30% per annum 6 The usury of li is abolished. “

“The annual interest rate is 30% six percent! “Many officials have nodded. Compared to the horror of usury, 30% 6% is already very conscientious.

“Why is 30% 6%? Like Mohist Village Bank, the annual interest rate is between 6% and 10%. Li is not better. “Wei Zheng puzzled.

“Master Wei did not know that the annual interest rate of the loan from the Mohist Village Bank of 6% to 10% is indeed very benevolent, but it requires collateral of sufficient value, even for the borrower. If you dont get to the Mohist Village Bank, you wont have much loss, but private lending is not at all collateral. If the annual interest rate is six per cent, not many people are willing to take the risk to borrow money, and if the interest rate is too high, for example I am afraid that no one can pay off the penny money game in the market. In the end, it will only end up in ruins. The 30% six per cent is the upper limit that most people can repay. It can guarantee the interest of the lender without fail. As for letting the borrower go to a dead end. “Li Chengqian said loudly.

“His Royal Highness Crown Prince is interested! “Everyone saw that Li Chengqian was very thoughtful and couldn’t help but nod. If the interest rate is low, no one is willing to lend to others. I am afraid that no one will help the borrower. If the interest rate is high and the borrower can’t afford it, it will cause a tragedy. Li Chengqian limits the limit to 30%. It can be said that it takes into account the interests of both the lender and the borrower.

“If the borrower and the lender sign a contract in black and white, the borrower voluntarily bears 40% or even Is it higher interest? “An official said with some guilty conscience. He was asked by the School of Usury to deliberately search for the weak spot of Crown Prince on the Imperial Court Assembly, thinking that the School of Usury would find a way to break the game. Once the black and white contract came into effect, that day School of Usury can naturally use this loophole to continue lending usury.

Many officials are frowned, the Mohist Family has been widely spread for thousands of years and the Mohist Family must sign a contract. Great Tang attaches great importance to the spirit of the contract. Once the contract is signed, it will take effect immediately. If the two parties sign a high-interest loan, I am afraid this matter will be difficult.

Li Chengqian glanced at this official and could not help saying with a sneer: “If there is no way out, No one in the world is willing to bear high interest rates. Although the contract is signed voluntarily by the borrower, it must be forced. Therefore, even signing a contract will not work. The borrower can repay up to 30% of the annual interest rate, and the remaining interest does not have to be repaid. “

numerous officials nodded. The so-called contract is signed by both parties voluntarily and should naturally be abided by. I am afraid that none of the Entire Court civil and military ministers believe that the so-called high-interest loan treaty is signed willingly.

“The usury has been borrowed before, how should I pay it back! “Suddenly Mo Dun made a sound and gave the School of Usury a fatal blow.

School of Usury asked the officials to listen carefully. This is in the interests of the School of Usury.

Li Chengqian Sonny and powerfully said: “As long as Father Emperor agrees, from now on, all interest rates in the world can only be up to 30% per annum. The same applies to those who have borrowed usury before. “

School of Usury asked the officials to sink in their hearts. If this continues, School of Usury will probably suffer heavy losses, but to his sigh of relief, Imperial Court not at all changed School of Usurys After the account, the loans that have been settled are not at all continue to be investigated.

“Father Emperor, nowadays, the private usury has become a common practice, and the people are suffering from it. The children are urged to set up a post bank to supervise the world Bank and banks. As well as private lending, it makes the lenders profitable, so that the borrowers can tide over the difficulties and have the ability to repay them. Only in this way can we achieve a win-win situation and stabilize the people. “Li Chengqian solemnly pleaded.

Everyone’s eyes were on Li Shimin’s body, and Li Shimin stood up and said loudly: “Quick! This matter is left to the Crown Prince”

“many thanks Father Emperor! “Li Chengqian said with great happiness.

Not only was there an uproar among the officials, no one thought that Li Shimin would agree to let Li Chengqian form the post bank. You must know that once this is the case, Li Chengqian can control a huge amount of wealth.

However, everyone didnt know that it was the embarrassing Imperial Court finances that made Li Shimin decide to set up a post bank. The spreading brick road is like a gold swallowing beast, and this time the West Expedition Gaochang was almost empty. With the family property of the Imperial Court, if you can form a post bank, you can bring continuous wealth to the Imperial Court, and he, the emperor, can realize the freedom of wealth again.

apart from this, thats Mohist Village Banks and School of Usury’s Bank have risen in the sky. As an emperor, how can he rest assured that such a huge wealth is gathered in the private sector, and the post bank can supervise the Bank of the world, which is in the arms of Li Shimin.

Of course, the most important thing is to prevent usury from reappearing. The School of Usury uses usury to suck blood in Great Tang and engages in great Tang public grievances, which can make the people of the world deeply grateful. Li Shimin will naturally not miss it.