Chapter 35: The Weapon of Robbery

Li Yuan seemed to have some understanding, and suddenly he had some worries in his heart: "If the money is put in the bank, if there is a rebellion in that place, as long as the money village is captured, won't there be no shortage of money and food?" ”

Chen Ying explained: "Your Majesty, it is impossible for this money village to put so much money in Guangzhou, there will definitely be businessmen from Guangzhou, who come to Chang'an to buy goods, and it is not convenient for them to carry the money, and it is not more convenient to take the vouchers until they come to Chang'an to pick up the goods?" ”

Pei Lian's eyes brightened the more he listened, but he still didn't fully understand, and asked suspiciously: "Isn't this to put more officials?" The money village of a state, at least one chief official, two fake assistants, and more than a dozen small officials, Datang is now seventy-nine states, isn't it necessary to add hundreds of large and small officials? ”

Li Yuan's face became heavier and heavier, and his eyes looked at Chen Ying like sharp arrows. looked at Chen Ying's heart: "If you want to build a money village, how can you make a profit?" ”

"I've made it easy for others, and I don't charge for it, huh? Eliminate the cost of hiring a boat, the cost of hiring a dart board, the cost of building a treasury, and then remove the cost of eating horses, and it is not too much to charge 10% of the cost for using it, right? Chen Ying smiled slightly: "What's more, the money deposited in the bank can't be withdrawn at one time, I can also take it out for loans, the merchant wants to expand the workshop, lend him money, and collect two percent of the profit, right?" If they encounter a natural disaster, they will change their children and die, sell their houses and land, at this time I can lend them money to buy seeds, tide over the difficulties, and harvest two percent of the profit is not too much, right? ”

Twenty percent of the interest, naturally the annual interest rate of two percent, that is, twenty percent, if Chen Ying dared to raise such a high interest in the future generations, it is estimated that he will be beaten to death. But in the Tang Dynasty, this interest rate is really low, the family gate valve loans, usually the interest rate is more than 30%, and it is also a rolling interest, three adult profits plus rolling profits, just relying on farming, basically no ability to repay the loan, the final end can only sell the land, the turn for the family gate valve tenants or shade households.

What's more, Chen Ying's goal is to use the lowest interest rate to fool the people into depositing money in the money bank to earn interest. In this era, there are no financial products at all, although gold and silver are small in size and easy to preserve, but they are in weight units, gold and silver will oxidize, and the fineness will restrict the price of gold and silver, that is to say, farmers or small landlords save money at home, in fact, there is also consumption.

In the Ming and Qing dynasties, silver was used as currency, and the government usually collected fire consumption in the process of tax collection and transshipment, and not every official wanted to be a corrupt official, because it was an objective fact that fire consumption was empty.

Li Yuan said: "I will give you 500,000 yuan, and if you build a money village, you can repair the galloping road?" ”

"If Your Majesty asks the minister to repair it within two years, the minister will definitely not be able to do it. It takes at least three years from the establishment of a bank to the establishment of credit. That is to say, this gallop road, no more than four years at the latest, before the sixth year of Wude, the minister dared to use the head of the item as a guarantee, and he would definitely build the gallop road from Chang'an to Luoyang. Chen Ying swore and said: "From Chang'an to Luoyang more than 750 miles, if 30 post stations are established from the side of the Chi Road, there are enough post horses to transfer, you can completely achieve the morning and evening, if there is a change in Shandong, Your Majesty's army will not exceed three days, and it can be transported to Luoyang City." ”

What really moved Li Yuan was not Yicheng's interests and benefits, but the fact that he could go from Luoyang to Chang'an. Since the founding of the Western Wei Dynasty in Chang'an, Guanzhong has gradually become the most prosperous place in the world, and because of the confrontation between the Eastern Wei Dynasty and the Western Wei Dynasty, the Shandong aristocracy and the Guanlong aristocracy have formed an incompatible confrontation situation.

Even if the Tang Dynasty is established, this confrontational situation has not actually improved. Li Yuanji's loss of Taiyuan and all of Hedong was not so much that Liu Wuzhou was brave and good at fighting, but in fact, it was more because the Shandong nobles were dissatisfied with Li Yuan's reuse of the Guanxi people and adopted a silent resistance. There are more than 200 dock forts in the whole Hedong, if these dock forts do not fall in the wind, give Liu Wuzhou three years, he may not necessarily capture the entire Hedong, but Liu Wuzhou only took three months, from Taiyuan to Huzhou, Liu Wuzhou did not encounter decent resistance at all.

Li Yuan was most worried about the repeated repetition of Hedong, if he could occupy the Central Plains in the future, not only would he have to accumulate heavy troops in Taiyuan, but also Luoyang would have to settle heavy troops to deal with the small forces of all sides.

Although Chen Ying told Li Yuan about the benefits of Qianzhuang, there was a fatal weakness that he did not, once Qianzhuang (bank) established various state and county outlets in Datang, it established a strong credit. If the money bank is not well managed, then it will be a great chaos in the world, even more terrible than a military disaster. However, the money bank has another advantage, which can absorb the idle funds of the family gate valve and accelerate the development of the economy.

Li Yuan's gaze looked directly at Chen Ying, as if he wanted to see through Chen Ying.

Chen Ying did not dodge or dodge, and looked at Li Yuan lightly.

Chen Ying wanted to establish a money bank, not only to make money, but also to use the money bank to break down and avoid the emperor's compromise. The clan and the gate valve, because they have money, food, population and talents, Li Yuan will choose to avoid or compromise many times, but he does not have so many scruples about himself. Chen Ying is like using the money village as a sharp weapon to make Li Yuan and the court have more scruples and not do whatever they want.

"I promise you!" Li Yuan said indecisively: "But ......"

"Now the minister is very sober, Pei Xiang can testify, if the minister establishes the money village, within four years can not repair the road from Chang'an to Luoyang, the minister is willing to sacrifice the head!"

Li Yuan said: "You have no jokes! ”

In addition to a little sweat behind Chen Ying, Chen Ying was also relieved when he heard Li Yuan agree.

In later generations, the bank's overlord clause made Chen Ying very painful, but he was helpless. Banks are in fact the best weapon for robbery, and the U.S. government is holding dollars and cutting wool all over the world.

In the 30 years after World War II, Japan's economy developed at a rapid pace, and it quickly became the largest creditor of the United States. (very similar to today's China), however, with the Plaza Accord between the United States and Japan, the Japanese economy turned into a bubble economy, and a lot of wealth flowed to the United States, and the crazy development of Japan's economy was also delayed.

Although Chen Ying is not an economic expert, he used the financial and economic concepts of later generations to influence Datang, although he had ulterior motives, but the real intention was for the good of Datang.

In the Tang Dynasty, the country's influence will be comparable to that of the United States in later generations, and the coins of the Tang Dynasty are also equivalent to the US dollars in later generations. With such an influence, the surrounding countries will not have any ability to resist Datang.

Compared with the military, the Tang army can crush the surrounding countries, and in terms of economy, all they get is a pile of useless waste paper.

I don't know what kind of flowers can bloom in the feudal dynasty as a product of the standard capitalist society like banking, but many things are unpredictable. Thinking about the later generations, Chen Ying was overwhelmed by several mountains on his body, in this era, he made a money bank, Chen Ying was inexplicably excited.

In fact, the construction of money and the development of industry and commerce are also Chen Ying's efforts to break a strange circle in Chinese history.