Make up your mind, the next thing is the details of the implementation, and Uncle Wang naturally can't calm down and think about the problem after drinking, but Wang Qun, who is the big housekeeper of the Zhen Mansion, has helped his plan a lot, but now there are too many people to ask in detail. It's not that Zhen Qian doesn't trust the other people, but that he thinks that the less people know about it before the plan, the better, so as not to inadvertently leak the news.

Wang Qun and several old people did not have the habit of eating at noon, but they were happy to eat some food and drink some wine, and talked to Zhen Qian about many things outside the Zhen Mansion.

From Wang Qun's words, Zhen Qian learned that the income of the Zhen Mansion was as much as 120,000 yuan a year, which was not counting the output of hundreds of hectares of land, which made Zhen Qian know what it meant to be a big family.

However, the annual expenditure of Zhen's Mansion is also not small, just the annual expenditure of his own courtyard has reached more than seven or eight hundred, and then think about Zhen's Mansion, which has three or four hundred people, and the daily expenses alone have reached tens of thousands of yuan a year. If you add in the cost of ushering in the delivery, this income is really a bit tight.

"So, the most profitable industry in the Zhen Mansion is Qianzhuang?"

At first, Zhen Qian thought that land was the main source of income for Zhen Mansion, but he did not expect that the most profitable industry in Zhen Mansion was Qian Zhuang, with an income of five or six thousand yuan a year.

"Of course!" Wang Qun has not yet spoken, Wang Peng on the side said: "Qian Zhuang is a business that makes money, and it has always been possible to lend money to the end of the year with principal and interest-bearing income. ”

Zhen Qian's eyes almost fell out when he heard this, isn't this a usury in later generations?

No! This is much higher than the usury of later generations, the annual interest rate of loans from formal channels in later generations can reach one and a half cents, even if it is a usury, it is only four or five cents, according to Wang Peng's words, the usury in the Tang Dynasty reached seven or eight cents, and it seems that he is not satisfied, which makes Zhen Qian have the urge to bite his tongue and commit suicide.

Zhen Qian was engaged in financial investment in his previous life, and he had a little contact with any business, which can be regarded as a well-known business, but the capital is tens of millions at every turn, which is naturally stronger than those illegal private lending companies.

After listening to Wang Qun's explanation, Zhen Qian roughly understood what usury was all about in the Tang Dynasty.

During the Sui and Tang dynasties, the capital set up by the government to operate commerce and usury was set up for various public purposes of the government and as money for officials. It is also known as the capital of the public party.

At the beginning of the Sui Dynasty, there were public offices in Beijing and the prefecture offices, which lent money to do business and collect profits for public use. Tang Chengsui system, the first year of Wude set up the capital of the public party, with the commanders in charge, each division of nine people, the number of the history of the money order, which to the product (the descendants of officials below the six grades) as a role, called "catch the money product". Each person has less than 50 strokes and more than 40 strokes; The monthly allowance is 4,000 yuan, and the annual income is 50,000 yuan, which is used as the money of the Beijing officials. Those who can give benefits on time can participate in the selection of officials and be awarded official positions after a certain number of years.

The local prefectures and counties and the prefecture also set up the capital of the public office, which was used by the warden to provide for the regular food expenses of the officials below the rank of the secretary and the food for the officials.

In the early Tang Dynasty, public interest money has always been one of the main sources of information for hundreds of officials.

The monthly interest rate of the imperial court loan is seven cents, and the monthly interest rate of private loans will naturally not be lower than this figure, and such a high monthly interest has become the biggest income of the bank.

This kind of donkey rolling loan method actually had official participation in the Tang Dynasty, how could it not be that Wang Qun said it, he would not believe that the imperial court would compete with the people for profit, and the interest rate was so high.

But Zhen Qian likes it very much!

It's not interest anymore, it's even cooler than a money printing machine robbery! But it is not without shortcomings, such a high interest rate is not easy for ordinary people to reach out to borrow, so Wang Quncai said that the benefits of this money bank have been taken up by the government.

"Borrowing money in this money bank business is a lot of income, but you say that the money bank is the most profitable, and you say that the profits from this loan are all taken by the government, doesn't that mean that the money bank is not profitable?"

Wang Qun also knew that Zhen Qian had forgotten many things after recovering from his illness, so he patiently explained: "Qianzhuang is not only a loan business, but also exchange, deposit, flying money and other businesses, which are the daily service scope of Qianzhuang......."

Zhen Qian really didn't know that the money village in the Tang Dynasty had so many businesses, so he was a little interested in the money village and said, "Then Uncle Wang can tell me about it?" ”

"If you want to hear me, I'll naturally say!" Wang Qunmi took a sip of wine and said: "First of all, let's talk about this exchange business, ordinary people generally only have copper coins and silk silk in their hands, silk silk is not easy to keep, ordinary people are not at ease at home, naturally they have to get the money to exchange copper money, and the exchange fee is five percent." If someone has gold or silver in their hands, they will also exchange it at the bank, and the fee is 3 percent, and the gold and silver content will be determined, and a fee will be charged. If you go out to travel, it is extremely inconvenient to carry copper coins, and you have to replace them with flying money that is common everywhere, which requires some fees, and there are always ways to make money! ”

Zhen Qian swallowed a mouthful of spit, and found that his brain was a little unable to turn around, not because he didn't understand, but because he was too shocked.

A picture quickly flashed in Zhen Qian's mind, Qianzhuang is a gold-swallowing beast, no matter what you do when you go in, you have to pay a lot of money to Qianzhuang, whether it is to exchange copper coins for gold and silver, or to exchange gold and silver for copper coins, between entering and exiting, Qianzhuang has to charge a fee, and even if you temporarily put the money in the Qianzhuang, you have to pay a fee to Qianzhuang, isn't this the legendary only in but not out of Pixi?

"This ...... This ......", Zhen Qian no longer knows what words to use to describe the money village in the Tang Dynasty.

From Wang Qun's words, it can be heard that Qianzhuang is one of the main sources of wealth of the Zhen Mansion, which is equivalent to sitting and collecting money, and such a good business also makes Zhen Qian's eyes red.

Seeing that Zhen Qian was fascinated by what he heard, Wang Qun lowered his voice and said: "What I just said is just the business of Qian Zhuang on the surface, in fact, Qian Zhuang has a bigger way to make money, and this is also a secret that Qian Zhuang knows, that is, to cast evil money!" ”

"Bad money! Is it a private copper coin? Zhen Qian's brain teaser turned around, turned his head to look at the people, and found that there was no surprised expression on their faces, and he was shocked in his heart, has this privately minted copper coin become a household name?

Wang Qun nodded, "Da Lang is right, bad money is the copper money minted in private, there is no fuss, but it can be done but not said, as long as it is a money bank, it will mint its own copper money in private, and then take it to the market to circulate to make a profit!" ”

Zhen Qian still has a few questions that he doesn't understand: "Since everyone knows about bad money, why do people still use bad money?" Doesn't the government care? ”

"Tube! No matter what! But can it be managed? ”

Wang Qun's expression looked very leisurely, not as careful as when he said it just now, "There are some things that the government also understands, and the people also know in their hearts, ten official Kaiyuan Tongbao for eleven bad money, who is not willing to do such a thing, as long as the evil money is not used when paying taxes, the government will turn a blind eye, and it is rare to see the Kaiyuan Tongbao of the government in this real market!" ”

"Bad money drives out good money!"

Zhen Qian remembered the theory that later became the Gresham phenomenon, when a country circulates two currencies with different actual values but the legal value remains unchanged, the currency with high real value (good money) will inevitably be melted, collected, or exported and withdrawn from circulation, while the currency with low real value (bad money) will flood the market.

In the fifth year of the reign of Emperor Xuanzong of the Tang Dynasty, he took prohibitive measures against the phenomenon of private casting and indiscriminateness. "Song Jing is the governor of the government, and he asks for all forbidden bad money. In the first month of the sixth year, he cut off the evil money in the world and made two baht and four pieces of money. Those who are unusable will be broken and overcast". So "at the beginning of Tianbao, the money in the two capitals was slightly better, and the rice chestnut was rich and cheap." But "after a few years, it gradually became indiscriminate, and the prefecture and county did not allow the good to increase the price, and the likes and dislikes were universal." Rich businessmen and traitors, gradually collect good money, sneak to the south of the Jianghuai, every money and goods to get the evil people five Wen, pretending to trust official money, will enter Beijing for private use."

Looking at the Tang Dynasty dynasties, the period affected by "private casting" was very long, and there were many reasons for the prevalence of "private casting" in the currency circulation of the Tang Dynasty, which were mainly manifested as: 1. The problem of private casting in the early Tang Dynasty was very serious and had a lot to do with the private possession of copper. According to the "Six Classics of the Tang Dynasty", "Where all the states of the world produce copper and iron, they listen to people's private mining, and the government collects their taxes." If it is pewter, then the official is the city".

The government only levied taxes on privately mined copper mines, and did not force the sale of copper mines to the government after the tax, but allowed them to be bought and sold freely. This regulation kept most of the copper mined each year in private hands, which led to rampant private mining and a flood of bad money in the early Tang Dynasty. Although the government has repeatedly reiterated the prohibition of private coinage and the prohibition of minting evil money, it has not been completely implemented, so that in the 22nd year of Kaiyuan, Zhang Jiuling proposed that "no money is forbidden".

Wang Qun said: "The things in this money village are complicated, not in a word, such as gold and silver are not allowed to circulate, but the amount of copper coins required for large business is huge, and many Hu merchants are not at ease with the flying money of the money bank, so they can only use gold and silver to trade secretly. In addition, copper coins can be minted into bronze and Buddha statues, and the profits in them do not know how much they will rise, and the same is true for gold and silver and other ornaments, if blindly banning it is counterproductive, it is better to let it ......."

Wang Qun's explanation gave Zhen Qian a general understanding of the finance of the Tang Dynasty, and the large-scale use of silver in the Ming and Qing dynasties, before the Tang and Song dynasties, there was a lack of gold and silver in the society as a means of measuring commodity transactions, which also led to the strange phenomenon of gold silk as currency in the market. If you don't intervene in the Tang version of the private bank (early), which is not familiar enough with you, it will be unreasonable, and you will be hit by five thunderbolts.