Cui Junsu means that the money has been lent out for so long, and the money is purely for public welfare, and the benefits do not seem to be large.

Yanagi casually wrote a few numbers on the paper.

These figures are the amount of deposits, interest payments on deposits, loan amounts, and projected loan returns for the previous year.

Then Liu Mu asked: "Didn't Cui Gong count it?" ”

In response to the numbers written by Liu Mu, Cui Junsu asked someone to get an abacus.

Cui Junsu really didn't count it, and always thought that this was a kind of helping industry that the Tang Emperor hinted at to help the development of industry.

After taking the abacus, according to the interest of the bank, the buyer still has money every month.

Cui Junsu was taken aback. "In the past 20 years, the original is three and a half, and the profit is sixty and a half."

As far as borrowing is concerned, Cui Junsu and these people are no worse than Liu Mu.

Cui Junsu coughed: "Everyone, this loan has been said as early as the Spring and Autumn Period, Meng Weijun raised 3,000 diners, and one year Xue Di failed to collect, and many people did not pay interest, these 3,000 diners went to collect and grabbed 100,000 interest. ”

Cui Junsu used a robbery word, which is enough to represent how terrible the interest at that time was, and it was an absolute usury.

Then, the Han Dynasty prevailed in high profit, but the evil results were abundant, and Emperor Jing set an iron law, and the year did not exceed two percent of the interest. A hundred years ago......" Cui Junsu stopped, shook his head bitterly and smiled: "Although I believe in Buddhism, it is a good deed to want to destroy Buddha at this time." ”

All the courtiers laughed.

Only Liu Mu didn't understand.

Cui Junsu specially explained to Liu Mu: "During the Northern Dynasty, my Qinghe Cui family also lent money, and within three months, it was almost one percent of the interest month, and no more than fifty percent of the year." The temple is the big lender, before the Sui, half of the money in the temple of the country's loans, the temple accounted for seventy percent of the Sui, one percent of the interest month, and twelve percent of the year. ”

Liu Mu was shocked when he heard this, this temple turned out to be the biggest usury in the world.

(Note, it's not who is black, this is a historical fact.) The largest usury in the world in the north and south ranked the top three, temples, gate valves, and big bureaucrats)

Cui Junsu said again: "I founded the Tang Dynasty and have strict orders for lending. Under the Ming government of Emperor Jing of the Han Dynasty, it was further halved, requiring that the annual interest rate should not exceed one percent, and the monthly interest rate should not exceed three points. But privately there may be improvements, but no one dares to go too far. ”

"In the West Market, there were 19 quality warehouses, all of which were closed last year. I heard that the proprietors behind these quality banks are very ruthless Changping Qianzhuang, but what can they do? ”

Cui Junsu said that the quality library is similar to the existence of a pawnshop, which is the predecessor of the pawnshop.

Datang's private lending is in two forms, credit and mortgage.

The difference with later generations is that credit basically has no interest, and friends and businessmen lend to each other. Mortgage is pure profit-seeking, because the provisions of the Tang Law prohibit compound interest, prohibit bad harvest, and prohibit repayment of debts by others.

This rule is that it is not allowed to roll on a donkey, it is not allowed to collect debts violently, it is not allowed to turn debtors into slaves or buy and sell human beings, etc., so credit card loans are only between trusted friends.

The pledge bank is the predecessor of the pawnshop, even if they don't have Tang Lu to press on it, they don't dare to put the interest too high.

For example, if the interest rate of something is too high, the probability of becoming a dead seller is high, and the pledge warehouse will become a collector of old goods, and the borrower is unwilling to be the borrower if the price is too ruthless, and the pledge warehouse cannot exist.

For now, that's all in the past.

With the appearance of willow wood, the murderous Changping Money Village suppressed all the similar pawnshops and money shops in Chang'an.

They hate, they want revenge.

As Cui Junsu said, how can they be.

In the Tang era, there was no means of asset appreciation, and money was piled up in the cellar.

Ordinary people don't know about Changping Qianzhuang, Cui Junsu is very clear as a household secretary, it can be said that Liumu's Changping Qianzhuang is a way to make money out of nothing in his eyes.

Over the years, Changping Bank has absorbed countless deposits.

There is one of them, which makes the merchants of Chang'an unable to refuse. If the merchants of Chang'an were to transport their coins to Jiangnan, they would need to spend money on freight, money for guards, and so on.

And store the money in Changping Money Village in Chang'an, and then take it out in Jiangnan, and only charge five wen for every 100 wen. Closer to home, if it is taken out in Huazhou, nothing will be charged, which is equivalent to helping merchants transport money for free.

Liu Mu lent the money to countless people who bought houses, and these people used their houses as collateral and repaid them every month.

In fact, Liu Mu didn't have much capital at all.

Cui Junsu asked Liumu to hand over Changping Qianzhuang to the household department, and the income of Liumu Changping Qianzhuang did not leave a penny, and all of it was used for the construction of Shencewei and Chang'an to repair rivers and roads.

"The minister agreed with Liu Juma's proposal, and also thought that three or five money houses could be added."

Before Cui Junsu was about to launch a vote, he asked Liu Mu: "What other suggestions does Liu Juma have?" ”

Liu Mu got up and said loudly: "Qian Zhuang is particularly easy to get out of the ghost, the rules must be strict, and the punishment must be ruthless. ”

Xiao Yu, who was sitting on the side, spoke at this time: "The one who stretches out his hand cuts off his hand, and the old man who is greedy for ink thinks that he can ...... it."

"Then let's discuss it and see if we can let New Tang money enter the market within a year. I think that there should be a difference between Tang and Tang in the first version of the new Tang Dynasty money in the Tang Dynasty, and the father created the foundation of the world, so the avatar should not be used by me, but by the father. After ten years of Zhenguan, we will discuss whether to change to a new version. ”

After Li Shimin spoke, there was a voice of praise.

Li Shimin said: "The use of money outside the Tang Dynasty, I thought that my Tang Chang'an City was the front picture, the back of the picture Qing and others were discussed, and the rest of the details were discussed. ”

It is said to be a consultation, but it is impossible to be here.

It is still necessary for the ministries to go back and seriously study the responsibilities that belong to them, and then come up with a plan to discuss it.

The Ministry of Officials should also consider the issue of candidates for this matter of the Datang State Bank, which must be under the Ministry of Households, but with several officials, several quality officials, candidates for primary officials, and so on.

So this is a big deal, Li Shimin gave a year to come up with a plan, in fact, the time is very short.

After this matter was said, all the courtiers made tea and chatted and rested, they knew very well that this time Liu Mu came back, definitely not just for this small piece of paper, there must be many things to discuss. Therefore, when everyone comes here for a feast, they tell their families in advance that they may not go home in the evening.

Liumu is the former prince's mansion, the front yard accounts for less than 30%, and the middle courtyard is basically empty except for Liumu's study.

There are enough places for everyone to rest.

The chef of Yanagi is an apprentice even the imperial cook, and eating is not a problem.

After a while, a few small carts came in with a bunch of boxes, and the important ministers all laughed, as they thought, Liu Mu must have something to do when he returned to Chang'an, and it was a big deal. <