"Has the emperor ever thought of establishing a national bank? In this way, we can get a lot of money in the shortest possible time, and this also has a good role in promoting Datang's economy. Zhang Nan said.

"Banks? What is that? Li Er asked suspiciously.

"To put it simply, it is to put the money that our Datang people have stored in their homes into our treasury." Zhang Nan said with a smile.

"No! Qingquan, what nonsense are you talking about? How can I do such a thing? Such a stupid thing is that even Emperor Yang of Sui can't do it. As soon as Li Eryi heard Zhang Nan say this, he immediately shook his head, saying that he did not agree with Zhang Nan's idea.

Indeed, in Li Er's opinion, even if he was as stupid as Emperor Yang of Sui, frantically looting the people's fat and ointment, and wasting the people's labor, he did not directly open his mouth to snatch the money in the people's money bags.

"Your Majesty, listen to me first." Zhang Nan said.

"What else does this say? How can this work? Even if I am short of money, I will not put my hand into the pockets of my Tang people. Li Er said categorically.

"The minister is just a metaphor, don't get excited, the emperor didn't directly ask our people for money, and then put it in our treasury." Zhang Nan said.

Hearing Zhang Nan say this, Li Er's complexion softened a little, and then he nodded and said, "Then you can continue to talk about what your so-called bank is?" ”

"If you go back to the emperor, the minister's bank is to let the people deposit the money they put at home in the bank, of course, if the people deposit their money, the minister will not treat them badly, but will give them interest, the longer they save, the more interest they will get." Zhang Nan said.

What does that mean? So since you can save it, you can take it? "Li Er doesn't know the essentials.

"Of course you can, the people's money is put here, and the bank only does a temporary custody function, which is not our money, so the people can take it when they want, this is their freedom." Zhang Nan spread his hands and said.

"Then why do I think this thing doesn't make any money at all?" Li Er looked at Zhang Nan with an idiot look and said.

"You also said that the people deposit their money in your bank, you just play a custodian role, the people can take it back when they want, and after a long time, you still have to pay the people interest, but in this way, the money in your bank will not increase, isn't this a loss-making transaction." Li Er wondered.

In Li Er's opinion, Zhang Nan is definitely not the kind of person who will do loss-making business, at least Li Er has never seen Zhang Nan do loss-making business, Zhang Nan is like the spokesperson of that sentence.

"You may make a small profit, but I definitely don't lose anything."

"Of course I won't lose money, I haven't said how to make money yet. Your Majesty, do you know how this business is done? Zhang Nan asked with a smile.

"Heh, although I am not as good as you in this way of business, but Qingquan, if you think I don't even know this, isn't it a bit too much." Li Er glanced at Zhang Nan and said.

"Since the emperor knows, then you should talk about it." Zhang Nan still looks unrelenting.

Li Er saw Zhang Nan's insistent appearance, so he had to sigh and say: "Naturally, they were bought at a low price and sold at a high price, which is why these merchants have not been respected since ancient times." ”

In fact, what Li Er said was not wrong, the difference between the classes of Shinong and industrialists in ancient times was very obvious, no matter how rich he was, unless the money flowing in his hands could shake the foundation of a country, it was impossible for this businessman to be taken seriously.

Because the merchants themselves do not produce the means of production, what they do is only to pull things from one side to the other side and earn one of the differences, which is why the ancients thought that merchants were cheap.

"That's right, it's to buy at a low price and sell at a high price, then now the emperor will put the money that the people have deposited in the bank, as goods bought at a low price, and our bank also supports the function of lending, if someone comes to the bank to take a loan, we will bring it to him in the form of interest, of course, this interest is much more than the interest we pay to the people, of course, the amount will generally be larger, but in essence, the money is still the same." Zhang Nan said.

After listening to Zhang Nan's words, Li Er kept staring at Zhang Nan for a long time, and Zhang Nan's heart was furious.

"Your Majesty, why do you look at your ministers like this." Zhang Nan suddenly made a gesture with his hands around his chest, and after Li Er saw it, he didn't turn his head and waved his hand to ask Zhang Nan not to play tricks.

"I sometimes really want to know, how did you grow in this head, and you can think of such a way to make money? It's a no-brainer deal. Li Er said with some excitement.

That's right, this is actually a lot cheaper than buying *** without capital than if you really want to run a bank, and as Zhang Nan said, this earns a lot of money.

"In fact, it's not a business, our cost is our Datang, or the emperor's reputation, because this bank can only be established under the banner of the emperor and Datang, and it is not something that a certain person or a certain firm can do, and they can't have such a big influence in Datang." Zhang Nan said.

Zhang Nan's initial idea was to establish a national Datang Bank, although Chang'an City has a large population, but it is not the case if it is placed in the whole country of Datang, so the establishment of the bank must be established in the major state capitals of Datang, so as to ensure that the bank has enough principal to carry out lending and investment activities.

"There's nothing wrong with what you're saying." Li Er nodded and said.

"But how do you guarantee that the people will obediently deposit all their money in the bank? Even if the name of Datang is hung, not everyone is willing to deposit money in the bank. What's more, the people of our Datang Dynasty are not wealthy, and the amount of money a person can put in the bank is only a few hundred yuan. Li Er asked.

"Haha, Your Majesty, do you really think that what the ministers are staring at is the money in the pockets of our Tang people? Of course, the people's money is also a big source of income, but think about it, the emperor, our Datang group has a lot of wealth in its hands, and it won't scatter all the money in a short period of time? Zhang Nan looked at Li Er and asked with a smile on his face.

After listening to Zhang Nan's question, Li Er shouted out two words without thinking: "Businessman!" ”