Since ancient times, the emperor was the most greedy, Li Shimin was the best among the emperors, and his possessiveness was naturally stronger than that of ordinary emperors. ”

Han Yue shrugged his shoulders and gestured to touch his nose!

He could hear that Li Shimin's tone was a little unkind, papermaking and printing technology were handed over to Daomen, the emperor was obviously dissatisfied and resentful, and all the history books of later generations were anxious for Li Shimin to be broad-minded, but now it seems that his heart and eyes are actually smaller than the nose of a needle.

"Say, why don't you say it?" Li Shimin snorted and said, "If you don't tell me one, two, three, tonight, be careful that I will kick you down when I raise my foot." Don't tell me anything you want to save face, I am your grandmother, and it is only natural for me to beat you......"

There was a burst of snickering around!

Han Yue suddenly rolled his eyes, and said a word in his heart.

But he also knew that he couldn't procrastinate, otherwise Li Shimin would really dare to come with a few kicks, although it didn't hurt to be kicked, but his face was always very ugly.

Thinking of this, Han Yue directly arched his hand and said, "Father, have you heard of Yinzi money?" ”

"Inks and money?" Li Shimin was slightly stunned and shook his head blankly.

"What about donkey rolling?"

Li Shimin was stunned again, looking at the blank look on his face, obviously he hadn't heard of it.

This time it was Han Yue's turn to be in a daze, and it took a long time to come up with an explanation, and he hurriedly said: "It's a loan shark, lend money to people, and then make a profit, lend consistently, and it will take two times to return to the original cost, if it doesn't meet the deadline, the next time it will become four times......"

Li Shimin suddenly realized and said, "It turns out that you are talking about lamb's breath!" ”

"Lamb's breath?" Han Yue was stunned, it was the first time he had heard of this term, shouldn't the ancient usury be called donkey rolling or printing money, how could it be called lamb's interest?

In fact, this is what Han Yue refers to by the poison of later TV dramas, the screen is full of words like donkey rolling and printing money, no matter which film and television drama of which dynasty is broadcast, it is said so, but this is not the case.

Usury has been around since ancient times, but the terms of Yinzi money and donkey rolling did not appear until the Qing Dynasty, and before the Qing Dynasty, there was a special term called lamb's interest.

I only heard Li Shimin slowly mutter: "The lamb's interest will change from one to two, and once it is delayed, it will change from two to four, this kind of thing is not what the royal family should do, Yue'er, if the industry you said is this, then I will be very disappointed......

Han Yue hurriedly shook his head and said solemnly: "Father, don't worry, no matter how much money you have, your sons will not think of this kind of crooked way, in fact, the industry I want to talk about is just the opposite, it is precisely to suppress usury...... Oh no, it's to suppress the lamb's breath of the Tang Dynasty......"

This time, Li Shimin became interested, his face showed approval, and he said with a smile: "Say, let's talk, I really want to hear it!" ”

Han Yue coughed lightly, looked up at the sky, and found that it was not early, so he hurriedly made a long story short, and said solemnly: "Father should know, who are the people who distribute lamb's breath in my Tang Dynasty?" Large families, as well as Buddhism, borrow money to save money, and often make people's families ruined! ”

Li Shimin nodded slowly and sighed: "The people are poor, and the people have no money left at home, so they can only borrow lamb's breath once they encounter difficulties." It's hateful that the big family sits on the ground and starts the price, and what's even more hateful is that the monks in the temple are the most greedy, the family only wants to double the profit, and the lamb interest in the temple is twice as much......"

The emperor snorted indignantly, his eyes suddenly became cold, and said: "That group of Buddhists really deserves to be killed, their money is all from the people, this is already absorbing the blood of the people once, and the result is to take it out to herd lamb's breath, and if you are not satisfied with one blood sucking, you will have to suck blood twice!" ”

"So the sons want to suppress the lamb's breath!" Han Yue's eyes were also cold, and he continued: "After the lamb's interest is extinguished, there is no usury, and the 100,000 monks of the Buddhist Sect are not producing, I think they can still feed themselves by relying on the fate alone......

"What the hell should I do, Yue'er, tell me quickly!" Li Shimin seemed very anxious, he was really moved by this.

The emperor may not be wholeheartedly for the people, half of the reason is that he still values the benefits.

In the third year of Zhenguan, the household department of the imperial court once made a statistic that the annual tax revenue of the Tang Dynasty was 9.7 million yuan, which was also because Han Yue continued to stimulate the economy, which led to the gradual prosperity of the Tang Dynasty.

The income of the state treasury is only 9.7 million, but the total income of the people's lamb interest is as high as 30 million yuan, and the number of household statistics is only very small, because some of the lamb's interest is very hidden, and some families buy the household statistics officials to cross out or write less about their own lamb interest income.

Really calculated, Datang's annual lamb interest profit is guaranteed to be 40 million!

How can Li Shimin not be blushing with this kind of huge amount of money, the emperor is now poor, not only raising troops and buying horses, but also such as disaster relief in various places, water conservancy construction, etc., none of which can be done by 180,000 yuan.

Now that he wants to build a 100,000 town, the emperor can't take out a penny and has to let his son bear it, Li Shimin is actually very ashamed as a father.

Han Yue naturally knew that Li Shimin was anxious, and the night was not early, so he also wanted to hurry up and let everyone go back, so he said directly: "Erchen's ninth industry is inseparable from the tenth industry, one is deposit, the other is borrowed money, and the two industries add up to the same name, I named him the bank, Datang Royal Bank, ......."

"Datang Royal Bank?" Li Shimin's eyes lit up, not to mention what this industry is, just listening to the name makes me feel atmospheric.

The people in the courtyard also quietly pricked up their ears, and everyone faintly felt that Datang was not long away from changing the sky.

Han Yue didn't care about everyone's reactions, and continued to say: "The so-called bank does not require your father to invest a penny, it uses the royal family and the imperial court as a guarantee of strength, absorbs funds from the common people or courtiers and nobles, and then uses everyone's funds to lend to those who need them, so as to earn the difference......

This explanation has been explained by Han Yue as much as possible to understand, but unfortunately the banking industry is far beyond the Tang Dynasty too much, everyone is confused, and Li Shimin is also puzzled.

"Yue'er, you said that you took other people's money and then lent it to others, why?" Li Shimin kept groaning, and suddenly his eyes were cold, and he said, "Do you want to kill some people to raid the house?" ”

Han Yue was startled, his face full of strange expressions.

It is worthy of the person who ascended the throne by relying on the Xuanwu Gate, and the first thing that comes to mind with the question is to kill, there are 65 million people in the world, can you kill them all?

In desperation, he could only continue to explain, and said carefully: "Father, don't be impatient, the deposit in this bank doesn't need to be killed and robbed, we only need to open an interest, no matter who makes the deposit, the interest will be calculated on a monthly basis, for example, the son has 10,000 yuan and is temporarily useless, and he can't find a suitable deal to do, is this money useless at home, not only to build a money vault to keep, but also to worry about being stolen and robbed, the more money, the more worried, sometimes even spend a lot of money to hire captive family Ding nursing home......"

Li Shimin groaned unwillingly, but his eyes were faintly lively.

Han Yue smiled slightly, and continued: "Spare money is distressing, but with a bank, it's different. Or the same example just now, Erchen's 10,000 guan is put into the Datang Royal Bank, and the interest may be 30 guan per month, if it is not withdrawn in a year, the interest can be increased a little, and the estimated monthly interest is 35 guan, and the annual interest is more than 400 guan......"

"Think about it, saving money is constantly safe, and you get more than 400 yuan of interest a year, is this Datang Royal Bank very interesting, and is this Datang Royal Bank very popular with the people?"

"The people's hearts ......" Li Shimin muttered, his face was entangled for a long time, and he suddenly gritted his teeth and said: "Well, for the sake of the people's will, even if I tighten my belt, I have to pay out the more than 400 yuan of interest, this is to spend my own money to buy the world's peace, I decided to do it, even if the treasury does not have much money left, I can use my own private treasury to paste it to the person who saves money!" ”

Han Yue opened his mouth and was speechless for a long time.

After explaining to him for a long time, Li Shimin actually thought that opening a bank was a loss-making business, and in the emperor's opinion, the interest on the deposit should be paid to others in vain.

When I turned my head to look at the people in the courtyard again, I found that everyone seemed to have this kind of expression on their faces, and even some of them looked like they thought they were stupid, maybe they were scolding themselves as losers in their hearts......

"Your mother!" Han Yue rolled his eyes speechlessly, and snorted in his heart.

In this era, it's really tiring to want to do something, others don't understand it, don't say it, laugh at you if it's not good, is there a loser who opens a bank?

This is obviously the biggest money-making industry, right......

……

…… The third update is here, it's 9,000 words today, please give me a ticket