"Sign money?"

Li Shimin blurted out.

As an emperor of a generation, how could he not know about Yinziqian?

What is Yinziqian? Yinziqian is a donkey rolling around. In fact, the original name should be called Yinziqian. The meaning is that using a little introduction can attract mountains of gold and silver. However, because the word Yinzi is too straightforward and people can understand the benefits and benefits at first glance, it is changed to Yinziqian, which is a trick for lenders to set up arches.

Most later generations thought that there was only money in the Qing Dynasty. In fact, this industry had already existed in ancient China. Since the Shang and Zhou dynasties, aristocrats had lending. For example, Mengchangjun in the Spring and Autumn Period, some of his disciples had borrowed Xuecheng's usury loans. Because they could not repay the high interest, they finally used an administrative exemption method.

By the Tang Dynasty, lending was already common, not only common, but also varied. Any organization with a little money was operating lending to make money.

Many names!

For example, monks get usury, and their name is the temple incense and kitchen, which means that the incense and kitchen have accumulated some spare money, so they can lend it to people who need to use it for emergency use. This trick sounds like a great compassionate and merciful way to save the suffering. To put it bluntly, it is still a method of using a watchman to set up a archway.

For example, the aristocratic families and family members have used usury, and the name is Donkey Rolling. The donkey hair is originally smooth and can get mud if it rolls on the ground. It is extremely vivid when it is used to lend. The people hate the most is Donkey Rolling. Why? Because the interest rate for Donkey Rolling is too strict.

Whether it is Xiangjichu or Donkey Rolling, it is actually a kind of money. Xiangjichuchu is an industry established by temples, so the interest rate is slightly lower. Donkey Rolling is an industry of aristocratic families, so naturally the more unscrupulous you are.

Even Xiangjiu's interest is scary. If you borrow it in spring and pay it back in autumn, what is the interest? The interest is 50%.

The donkey rolled over and doubled.

Repay for spring and autumn, the interest rate is 100%

This refers to long-term loans. If short-term loans are even more ruthless, for example, if someone only borrows for one month, then the interest is nine out of thirteen returns. What is nine out of thirteen returns? It means that you can only get nine thousand yuan by borrowing 10,000 yuan, but when you return the full moon, you need to pay back 13,000 yuan, and the monthly interest rate is as high as 4,000 yuan. Basically, one borrows will go bankrupt.

It is precisely because Yinziqian is so cruel that Li Shimin's face changed drastically. The emperor knew the dangers of usury, because he borrowed it in the year he just ascended the throne. At that time, he borrowed 500,000 yuan from a family, but in less than a month, he paid back 650,000 yuan.

A total interest of 200,000 yuan a month.

Even the emperor felt his scalp numb.

...

Li Shimin suddenly took a deep breath, and for some reason he was a little panicked and murmured: "Sign money, one to three, profits are profitable, every year, borrowed in one year, ten years to pay back, several lifetimes, countless more…"

He suddenly looked directly at Li Yun, and asked in an extremely cold tone for the first time: "What are you going to do with the bank? "

Before Li Yun could speak, he suddenly snorted and said in a stern manner: "I will not agree."

"Second uncle!" Li Yun suddenly changed his name and said in a slow tone: "You can't stop this."

Li Shimin had a slim vision and had a vague murderous aura.

However, Li Yun seemed to have not seen it, and just continued to speak: "The bank can indeed be regarded as a seal money, but it is not all a seal money."

uh-huh?

Li Shimin's expression was about to be furious and quickly stopped.

"Tell it clearly!" Although his angry expression stopped, his tone was still cold and harsh. It was said that the emperor was afraid of his nephew.

Li Yun suddenly smiled and actually reached out to Li Shimin's palm. This was the first time that he was so bold, which made Li Shimin stunned, but Li Yun said softly: "Second uncle, people will always be short of money in their lives. Even if they are a person like my nephew who makes money, who is a tsunami, have you been in a state of cysts and a tsunami? As a prince of a generation, I am still like this, think about the situation of the people in the people?"

"Yes, people..." Li Shimin spoke subconsciously, as if murmured: "In fact, it's not just you, I've also lacked money. Do you still remember the ninth year of Wude? At that time, you had just arrived in Chang'an. You were a refugee, and there were many refugees. Since ancient times, all dynasties have strictly guarded against refugees. If there is any inappropriateness, they will immediately raise a knife to kill them. Only when I give strict orders to open the door so that refugees can enter the city of Chang'an. The higher the door, the more you can allow refugees to sleep, because the eaves of the high door and large valve can shelter from wind and rain, at least they won't let refugees get sick and freeze too much. I still remember that you slept in the corner of Cheng Zhijie's house, and that girl A Yao also hurried in the corner to accompany you..."

The emperor stopped here and said sadly, "Don't blame me, don't blame me, you don't know how short of money I was at that time. I wanted to help everyone, but the treasury couldn't afford any extra money. I had no choice but to borrow money from the aristocratic family. I collected 200,000 jin of interest in just one month, but how much was the capital I borrowed? I only got 450,000, and what was 450,000 enough? I could buy more food? I could eat and drink tens of thousands of refugees, and I would be gone in three or five days."

This is the first time that Li Shimin expressed his thoughts. Who would have thought how difficult an emperor would be?

Li Yun knows.

He held Li Shimin's hand and spoke solemnly: "Second uncle, this is the pain of lack of money. A penny stumps the heroes. A penny can make the emperor unable to sleep. If we are like this, wouldn't the people of the people be even more difficult? In this life, everyone will have three disasters and five difficulties. Maybe one year when the young and old people are not allowed to fall in love, the private family will collapse."

"Yes!" Li Shimin nodded subconsciously and couldn't help but say, "It is precisely because of this that Yinzi money can exist. Although I know the harm of Yinzi money, I cannot strictly order this industry to be destroyed. After all, there are too many people who need emergency relief."

He said with a bitter smile, as if he was self-deprecating: "Even the emperor, did I borrow money to live..."

Li Yun let out a sigh of relief and suddenly said, "Gu is the case, it should be solved. Since the seal money cannot be destroyed, since there will always be people in the world who are short of money, why should we do this by ourselves?

Li Shimin was slightly stunned and couldn't help looking at Li Yun.

Li Yun raised his hand and pointed outside, saying in a deep voice: "Bank is where I want to lend, but the interest rate for my lending is very low, so low that it is to bless the people. Although it is still a seal money, it will destroy countless seal money."

Li Shimin was obviously hesitant and after a long time, he spoke slowly: "According to what I mean, the gap in Yinzi money is extremely huge. Even if the interest rate is so high, most people among the people still cannot borrow. It is not that the lenders do not want to borrow, but that they do not have that much money. There are so many people in the world. My Tang Dynasty alone has 60 to 70 million. If you add your Bohai Sea and grassland, the population has exceeded 10,000..."

He stopped here and looked straight at Li Yun and said, "If you want to destroy all the seal money now, wouldn't you say that you have to have the total number of all the seal money in the world? No, it's not OK to have the total number of all the seal money in the world alone. You have to have at least three times five times or even ten times, because I just said that all the seal money in the world can't satisfy those who are short of money..."

As he said that, he stopped again and pondered and said, "And if you borrow money, you don't need to be recycled immediately. There is also a loan period. During this period, your money is outside. When someone comes to borrow, you still have to pay for it. Therefore, you need to have extremely huge wealth, and the amount of this wealth is definitely not something that anyone can achieve."

After stopping again, he finally said: "But only by satisfying the amount of all those who are short of money can you turn the Yinziqian industry into your own exclusive possession. Otherwise, as long as someone can't borrow money from you, he will still go to someone else to borrow it. Once this happens, Yinziqian will still not be destroyed..."

He is worthy of being the emperor.

Although I don’t understand finance, I can see it clearly.

But Li Yun smiled and looked at the emperor and said, "Who said that you must use your own money to open a bank?"

He pulled Li Shimin out, aiming at the west branch of the city opposite the entrance of the alley.

It is better to take a look at it. It is time for the emperor to see the bank's business with his own eyes. Since the ancestor called a commoner who came in, he must have fooled that person at this time.

If you open a bank, whoever can enjoy it will be like that.

The world's money comes in and out, one in and out, it slips and oils, and the scalp is numb and will only become more and more refreshing.

...
Chapter completed!