In the Taiji Palace, hundreds of officials gathered, the western expedition to Gaochang is imminent, and the six departments of the three provinces are in full swing to prepare.

"If there is something to start, there is nothing to retreat!" As Pound's shrill voice remembered, the early dynasty came to an end.

"The retainers have a play!" Li Chengqian, who was standing at the head of the hundred officials and listening to the government, bowed down and went out of the ranks.

"Oh! The prince is coming quickly! Li Shimin saw Li Chengqian come out of the ranks, his eyes flashed and said, Li Chengqian is the next generation of successors he has carefully cultivated, and he acts extremely steadily on weekdays, which can be said to make him extremely satisfied.

"The son asks his father to allow the post station to send mail, and at the same time prepare to build a post station bank!" Li Chengqian said loudly, and handed over a fold with both hands.

It's finally here! Suddenly there was an uproar among the ministers, and the quarrel between the Mo family and the prince in the Lizheng Palace had already spread to the ears of the princes of the court, and they naturally knew that Li Chengqian had already prepared the decision to set up a post bank.

"Send! Coach Bank? Li Shimin couldn't help but be in a trance, the original post station was a very simple organization for transmitting official documents and intelligence, and it swallowed a lot of wealth every year, and it was the most chicken rib institution of the Ministry of Civil Affairs.

However, he only traveled for a few months, and when he returned, Li Chengqian reformed the post station, delivering letters and delivering newspapers and periodicals to the people of the world, which greatly improved the financial situation of the post station, but three years passed in a hurry, and the post station had grown into a behemoth, which even included mailers and banks.

Wei Zheng frowned and said: "The old minister heard that the post station is a business opened by the queen's mother who has mercy on the son of the world, which is naturally for the benefit of the country and the people, and the post bank is for profit, whether there is any suspicion of competing with the people."

Surprisingly, none of the families who were originally involved in the Ziqian family came forward, but Wei Zheng, who had nothing to do with the Ziqian family, came forward to object.

Li Shimin turned his head to look at Li Chengqian and said, "Prince, do you have any justification?" ”

"Back to my father! The post bank is operating money, naturally for profit, but it is not to compete with the people, the profit of the post bank can make up for the post station for many years of continuous losses, so that the post station turns losses into profits, and reduces the burden on the treasury. Li Chengqian said loudly.

Dai Xuan nodded, since the reform of the post station, the Ministry of Civil Affairs only needs to allocate a very small amount of money to operate, once the post bank is established, maybe it can feed back to the Ministry of People? He knew what a money-absorbing weapon the Mojia Village Bank was.

"Second, the largest scale of the private bank is the joint flying money business of Mojia Village Bank and local money banks, but the two have their own advantages and disadvantages, although Mojia Village Bank has low interest rates on bills of exchange and loans, but there are only ten Mojia Village banks, and there is no time to take care of all parts of Datang."

"And the flying money business is widely distributed, but the flying money commission and the money bank loan interest is quite high, the people are miserable, once the establishment of the post bank, you can learn from the two strengths, the post bank not only has the most extensive outlets, but also will take the most preferential bills of exchange and loan interest, so that the world's money and wealth flow through the world, is naturally beneficial to the people."

"His Royal Highness the Crown Prince is merciful!" Many neutral officials have bowed their heads one after another, and once Li Chengqian's move is successful, it will indeed benefit the world.

Li Chengqian said: "The post bank should not only set an example, but also assume the responsibility of supervising the world's bank bank, a few years ago, the harm of the printed money has been announced to the world, but the world is still printed money has become a common practice, the people are deeply affected, the family is ruined and the death of countless people, the son of the minister implored his father to abolish the world's Indian money, private loans but all more than the annual interest rate of three or six percent of the Indian money will be abolished. ”

"Three cents per annum!" Many officials nodded one after another, compared to the horror of the Indian money, three cents and six cents are already extremely conscientious,

"Why is it three cents and six cents, like the Mojia Village Bank, the annual interest rate of six to ten cents is not better." Wei Zheng was puzzled.

"Lord Wei doesn't know, the annual interest rate of six to ten percent of the loan of the Mojia Village Bank is indeed extremely benevolent, but it needs enough value of collateral, even if the borrower does not go to the Mojia Village Bank, there will not be much loss, but the private loan has no collateral, if it is six percent per year, I am afraid that not many people are willing to take the risk of borrowing money, and if the interest rate is too high, such as the penny game in the market, I am afraid that no one can pay it off, and in the end it will only end up in ruin. Three or six cents is the upper limit of what most people can repay, which can not only ensure the interests of the lender, but also not let the borrower go to a dead end. Li Chengqian said loudly.

"His Royal Highness the Crown Prince has a heart!" Seeing that Li Chengqian was extremely thoughtful, the crowd could not help but say that if the interest rate is low, no one is willing to lend to others, and the borrower is afraid that there will be no one to help him, and if the interest rate is high, the borrower will not be able to repay it, and it will also cause a tragedy.

"What if the borrower and the borrower sign a contract in black and white, and the borrower voluntarily pays four cents or more in interest?" An official was a little vain, he was asked by the Ziqian family to deliberately look for the prince's flaws at the court meeting, thinking that the Ziqian family would find a way to break the situation, once the contract in black and white took effect, the Ziqian family could naturally take advantage of this loophole to continue to lend money.

Many officials frowned, under the leadership of the Mo family's trustworthiness for thousands of years and the Mo family's commitment to sign a contract, Datang attaches the most importance to the spirit of the contract, once the contract is signed, it will take effect immediately, if the two parties sign and borrow at high interest, I am afraid this matter will be difficult to do.

Li Chengqian glanced at this official and couldn't help sneering: "If it weren't for the desperation, no one in the world would be willing to bear high interest, although the contract was signed voluntarily by the borrower, but it must have been forced to do so." Therefore, even if it is a contract, the borrower will repay the interest at most 3 or 6% per annum, and the remaining interest does not have to be repaid. ”

Baiguan nodded, the so-called contract was signed voluntarily by both parties, and naturally it should be observed, and none of the Manchu ministers of civil and military affairs believed that the so-called high-interest loan treaty was signed willingly.

"I have borrowed the money from Yinzi before, how should I pay it back!" Suddenly, Morton spoke out and dealt a fatal blow to Ziqian's family.

The officials asked by the Ziqian family couldn't help but listen, this is related to the interests of the Ziqian family.

Li Chengqian said sonorously: "As long as my father agrees, from now on, all the interest in the world will be no more than three or six percent per year, and the same is true for those who have borrowed Yinzi money before." ”

The heart of the official entrusted by the Ziqian family sank, and if it continued like this, the Ziqian family was afraid that it would suffer heavy losses, but what made him relieved was that the court did not turn over the accounts of the Ziqian family, and did not continue to pursue the loans that had been settled.

"Father, now that the folk printing of money has become a common practice, and the people are suffering from it, the sons and daughters implore the establishment of a post bank to supervise the world's money banks and banks, as well as private lending, so that the lenders can be profitable, so that the borrowers can tide over the difficulties and have the ability to repay. In this way, we can achieve a win-win situation and make the people stable. Li Chengqian solemnly requested.

Everyone's eyes were focused on Li Shimin's body, and they saw Li Shimin get up and say loudly: "Accurate!" The matter will be handed over to the crown prince."

"Thank you, Father!" Li Chengqian said with great joy.

Not only were the ministers in an uproar, but no one thought that Li Shimin would agree to let Li Chengqian set up a post bank, knowing that once this happened, Li Chengqian could control a huge amount of wealth in his hands.

However, everyone didn't know that what made Li Shimin decide to set up a post bank was the embarrassment of the court's finances, the spreading brick road was like a gold-swallowing beast, and this time the westward expedition to Gaochang almost hollowed out the court's family fund, if he could set up a post bank, he could bring a steady stream of wealth to the court, and he, the emperor, could achieve financial freedom again.

In addition, that is, the Mojia Village Bank and the Ziqian family's money bank rose sideways, as an emperor, how could he rest assured that such a huge wealth was gathered in the people, and the post bank could supervise the world's money bank, which was in the hands of Li Shimin.

Of course, the most important thing is to put an end to the reappearance of Yinziqian, the Ziqian family used Yinziqian to wantonly suck blood in Datang, and the people of Datang were grudging, which can make the people of the world grateful for Dade, Li Shimin will naturally not miss it.