Zhao Zhen looked at Xu Ping suspiciously and asked, "What is living money?" Is there still money dead? ”

"Of course there are deaths. For example, some rich and noble families bury their money in the cellar for a few years or even decades, and the money will die.www.biquge.info Living money is money that can always earn interest. ”

"It's a pity that although I can earn interest, this interest is not much. The annual interest is two percent, I calculate that it is not enough for the palace to use, and according to what you said, it will be even lower, where will this deficit be made up? ”

Xu Ping said: "The bank uses the principal to earn interest, but it is not His Majesty's algorithm. If this is the case, it will become a rich man lending money to the people, how can we do that kind of thing? We are for the convenience of the people, not for the exploitation of the people. ”

Where is Zhao Zhen willing to believe? Even if Xu Ping's heart is black, with the method of profit, it can't be high. The government and the people lend, and the annual interest should not exceed 30%, and generally 2 percent was the standard, but this rule was written in the law, and Zhao Zhen didn't want to make an exception.

Seeing Zhao Zhen's suspicious look, Xu Ping said: "Your Majesty, listen to me slowly." There are quite twists and turns in this matter, and we must analyze them one by one before we can explain them clearly. Your Majesty must be patient, how can you be in a hurry to make money? ”

Sitting down again, Xu Pingcai said: "Your Majesty, there are many differences between the bank's money lending and the private rich man's lending. During the day I said that when the people's money is deposited in the bank, the bank will take out a part and deposit it in the money prison. Do you remember? ”

Zhao Zhen thought for a while before nodding and saying, "It seems that I said so." ――No, just now I thought that the bank's capital is too small, and if you ask for this, isn't the capital even less? ”

"Your Majesty will listen to me first, don't worry, we will understand how to get the money into the bank, how to lend it, and how to get it back. The money supervisor made the money out, and the bank used the capital to exchange the money for the money supervisor, and of course borrowed a part of it. This is how the money goes into the bank, and at this time there is capital in the bank, right? ”

Zhao Zhen nodded, Xu Ping understood this, and he could understand it.

Xu Ping said again: "If you have the capital, you can lend." We have been saying that banks only lend to companies, and people do not lend to individuals. So the company borrowed a loan from the bank, where did the money go? ”

"Of course it's spent! What does the company do by borrowing from the bank without spending money! ”

"Your Majesty, don't worry, although it costs money, but how to spend it is still particular. After the company borrows money, it will be used to operate, and the money will have several places to go. The first is the labor money paid to the hire, which is bound to be spent. There is also the rent of the house, and the company has some cash saved for emergencies, as well as miscellaneous daily expenses. But the real big head is to buy raw materials. If the company wants to make goods, it must use raw materials. Where do you buy the raw materials? Most of the time, it's bought from other companies. And this kind of large amount of money transactions are done in the bank. ”

Zhao Zhen vaguely touched a little doorway, and couldn't help nodding: "I know, this is the practice of Jingxi Road Qianzhuang." ”

"That's right, that's what the money village on Jingxi Road did. Why did you do that? Because Xijing City built some field services, and later there were cotton cloths, and the private trade increased dramatically, but the cash was not enough. Many people think that the solution to the dilemma of insufficient cash is to force the people to deposit copper coins, but in fact, it is not, so how much money is there? ”

Speaking of this, Xu Ping felt a little weak for no reason, and couldn't help clearing his throat: "In fact, the most important way to solve the shortage of cash is to let large transactions be settled in the bank. The place where the most money is used is these large transactions, once the delivery in the bank is limited, no matter how many transactions, just turn around in the bank's account, the money is actually still in the bank, so there will be no shortage of money. ”

Zhao Zhen's eyes slowly lit up, and he said to Xu Ping: "You mean, the bank also handles it like this?" ”

"Of course you have to do it this way! This is beneficial to the people, beneficial to the bank, and more beneficial to the company, how much effort is saved! Money is used to buy goods, as long as the goods are bought, what is the point of moving money around? The bank was opened to do this, to facilitate the people, and to facilitate private transactions! Most transactions between companies only need to be made in the bank, and there is no need to actually withdraw money. ”

In Xu Ping's previous life, the bank's favorite thing was to lend to large companies, and the bigger the company, the better. Needless to say, it is not easy for individuals, even small companies want to borrow from banks, even if they are willing to pay more interest, the banks do not want to pay attention. It's not just about the risk of collection, it's also about the bank's capital tie-up. For large companies, loans are just made in the bank, which is a change of customer name for the bank, and the money is still there and can continue to be lent to the next customer. Small companies often just take out the money, and after taking out the loan, they really take up the funds, how can the bank be willing?

Personal loans, housing loans are easy to borrow, and the interest rate is low, the same is true, the money is still in the hands of the bank.

As long as the money does not leave the bank, the more such loans, the better, and the principal is still the same for the bank, but the interest received is not known how many times more. Private loans, the annual interest is 20%, but the money is really out when it is lent out, and the person who lends it has no money in his hands. Banks are different, the money is lent out, and many times the depositor just changes his name, which has no impact on the bank's lending ability, and the annual interest rate is much higher than that obtained by private lending. Of course, if this is superimposed, the risk of collection will also be magnified in a geometric progression. But for Xu Ping, as long as the loan is to the company, the account is controlled by the official, and the loan risk has been minimized, so there is basically no need to think about that problem.

From setting up a bank, setting various rules, and trying to keep money out of the bank, I have been preparing for this time.

Zhao Zhen's face was completely relaxed, and he even smiled, but he just looked at Xu Ping, but he had a strange feeling in his heart.

From the roll call of the new jinshi in the Chongzheng Palace, the first time he saw Xu Ping, Zhao Zhen felt that this person was quite loyal and honest, and he should be a reliable person. But looking at it today, how can it be quite a profiteer? Except for the wealthy and noble people in his family, who are known as the few wealthy people in Kaifeng Mansion, the money is really all planted in the land? The bank in Xu Ping's mouth is faster than money from money supervisors.

Xu Ping said: "In fact, for the bank, these are only a part, and the capital will be larger." ”

"Ahh

Xu Ping was distracted, and seriously analyzed Zhao Zhen: "Your Majesty, what we just said is that after the company took out the loan, the money that actually didn't come out of the bank. In fact, the money that goes out of the bank can be used in the same way. ”

What else can Zhao Zhen say? He felt that now that there were mountains of gold and silver in front of him, the money could no longer be spent.

Xu Ping continued: "After the company took out the money from the bank after taking out the loan, it mobilized the hired workers to buy things from people, and the money went to the people, and then where did it go?" Most of the time, people have money in their hands, only part of it is spent, and the rest is saved, right? Where to save? There is interest in depositing in the bank, of course, in the bank. The money then goes to the bank, and when it gets to the bank, it can issue loans, and so on. As long as the bank has set aside the capital for other people's deposits, which is not much, as I said earlier, the bank has taken out some of the people's deposits and has to deposit them in the money prison, which is to prevent the people from withdrawing enough money to withdraw their deposits. The money in the bank account, even if it is issued as a loan, what is the difficulty of lending out millions of yuan as tens of millions of yuan? ”

In the words of Xu Ping's previous life, if the bank lends a loan with a currency multiplier, of course, it will not be as simple as Xu Ping said, but the reason is the same. There are only a few million dollars of currency in the banks, and tens of millions of loans are not a big deal under the condition of strictly controlling risks and strictly restricting the outflow of money from banks. How much money can the bank make by lending only on the principal? Zhao Zhen felt that the capital in the treasury was too small, and Xu Ping still felt that it was too much, and now the Kaifeng Mansion area could not withstand the impact of such a huge amount of funds.

In this way, the bank not only earns the difference between deposits and loans, but also optimizes the allocation of funds in the society, so that the money can really go where it is needed and generate more wealth. Xu Ping really felt that this was a great good thing for the benefit of the country and the people, and in fact it was indeed a good thing for the benefit of the country and the people. In the operation of a company, capital is a big problem, and banks can solve this big problem.

Are there any risks associated with this? Of course there is, where in the world is there a good thing to make money lying down! However, Xu Ping has done his best to limit the risk to a minimum. The rules are so strict, if anyone can make trouble, it will really be dead. If you want to die, you can only let them die, who has the way?

Having said this, Zhao Zhen finally completely relieved himself. It turns out that the bank is opened in this way, which is very different from private lending, and the money can always earn several times of interest, and the interest rate is low, so I will wait to lie down and collect the money in the future.

The more I thought about it, the more I felt comfortable, and Zhao Zhen remembered that after Xu Ping set up a bank in the left treasury of the third division, he also set aside a place for the inner treasury. It's a good thing to think about yourself, and you really don't live up to your trust. Let Xu Ping be the third envoy, this decision is still right, if you change the minister, you may not necessarily include the inner treasury, and it is not bad if you don't take the opportunity to pit once.

With joy in his heart, Zhao Zhen wanted to drink, and immediately ordered the little yellow door standing on the side to let him go and get the wine.

Xu Ping hurriedly said: "In the Tianzhang Pavilion, where the ancestral god is located, how dare you drink?" Your Majesty has a heart, and he has received it for the minister's heart. ”

This is not an ordinary place, it is a place where the imperial pen and book of Zhenzong are placed, and there is also a portrait of Taizu Taizong. Summoning the minister here, in order to appear solemn, and drink that is worth it! Not to mention Zhao Zhen himself, when this matter spreads, Xu Ping will have to be scolded to death by the courtiers, and the newly sealed official should not think about it.