PS: There is one more chapter. Pen × fun × Pavilion www. ｂｉｑｕｇｅ。 ｉｎｆｏ

Loud and fiery voices kept coming from among the merchants.

Looking at these merchants, Xiao Ming couldn't help but shake his head, the merchants promised that the ghost would believe it, but now that the sea trade routes were opened, Xiao Ming also wanted to profit from the sea trade as soon as possible.

And for him, the most direct way to make a profit is commercial tax, after all, he can't do all the maritime trade alone, and the most important thing is that he doesn't have too many people.

Therefore, he wanted to establish a maritime trading company with the Qingzhou Chamber of Commerce as the core and other merchants as vassals, which was similar to the contemporary Dutch East India Company.

Surrounded by merchants, Xiao Ming naturally couldn't continue to worry about the matter of white sugar, and now that the merchants knew about the maritime trade routes, he had to carefully study how to maximize the benefits.

Let the businessmen go back first, he and Li Kaiyuan went back to the Chamber of Commerce.

In the past two years, Xiao Ming has been imparting Li Kaiyuan's business knowledge beyond this era, and he asked Li Kaiyuan tentatively on this question: "How do you think we should deal with the matter of maritime trade routes?" ”

After a deep sigh, Li Kaiyuan said: "Your Highness, the lower officials think that the right to trade at sea should be opened to merchants, but any merchant who wants to trade at sea must get a license from the Chamber of Commerce, otherwise it will easily cause chaos in maritime trade, and these permits are also proof for merchants to pay taxes." ”

"Well, what else?"

"At the same time as opening up the right to maritime trade to merchants, the chamber of commerce should play a leading role in maritime trade, we eat meat, and let the fallen meat scraps be eaten by merchants, so that we can maximize profits." Li Kaiyuan said.

Xiao Ming glanced at Li Kaiyuan in surprise, this kid has made great progress, he is right, the dish of maritime trade is very large, and the Qingzhou Chamber of Commerce can't eat all the dishes, so at this time, businessmen are needed to eat some corner dishes, and they eat the most sumptuous places.

In the case of trade, the chamber of commerce takes the most lucrative business, and the other lesser business is handed over to the merchant, and he can also take taxes from the merchant.

"You have made rapid progress in the past two years, it seems that this king was right to choose you to be the vice president of this chamber of commerce." Xiao Ming said with a smile.

Li Kaiyuan said with a smile: "Your Highness is still as wise as a torch, and can turn Xiaguan's miscellaneous fish into a koi." ”

"Don't be modest, since you talk about trade, do you have any other ideas?"

"Yes." Li Kaiyuan said, he said: "Your Highness, ninety percent of the businessmen of the Chamber of Commerce are from other places, and the local businessmen basically have no growth. ”

"You're right, this is also the question that this king is thinking about." Xiao Ming's expression became solemn, "You continue." ”

Li Kaiyuan cleared his throat, and he said: "Your Highness, there are some production processes that should be opened to the people, just like the last time the road was built, the government can lend money to the people, and let the people pay royalties to open private workshops, so that our slaves can be freed from some unprofitable trades to do more important things." ”

"Well, you're right, this time the king is ready to promote the development of private capital and make the capital in the country come alive." Xiao Ming knocked on the table and said, "And this king also has a few crafts that are ready to be released, but as for this loan, I think the banks in the states should also be open." ”

"That's right, we have been preparing for this bank for a long time, and this time has allowed the Cao family money village to take advantage of the loophole, and now we want to get it back." Li Kaiyuan laughed wickedly.

mentioned the matter of the bank, the two went to find Pang Yukun together, the affairs of the Six States Bank have been handled by him, and now he is the one who knows the situation best.

When they arrived at the mansion, Xiao Ming and Pang Yukun talked about the bank, and he immediately took Xiao Ming and Li Kaiyuan to Dongshi, where he saw an official bank with a plaque of Qingzhou Bank in a row of shops along the street in Dongshi.

"Your Highness, this is it, the bank was already open to the people a month ago, but there are very few people who come to the bank, and it is not as lively as the Cao family money village." Pang Yukun sighed.

Li Kaiyuan hurriedly explained: "But Your Highness, the excitement of this Cao family's money village is also because of businessmen, and the people rarely go to the Cao family's money village. ”

Whether it was a bank or a bank, it was a strange affair for the people of the feudal country, who preferred to hide the silver in their homes rather than take it out and deposit it in the bank.

Even though Xiao Ming is very popular, the people have their own little abacus in their hearts.

The façade of Qingzhou Bank is almost the same as that of Caojia Bank, which is like a prison, with the account room locked in and the people handling deposits and withdrawals outside.

Glancing at the plaque, Xiao Ming and Pang Yukun walked in.

This piece of land was bought by the government from a businessman, and the traffic in the East Market was important, but now it seems to be the most deserted place in this area.

When the three young account offices in Qingzhou Bank saw Pang Yukun and Xiao Ming coming in, they immediately recovered from their lazy state and sat upright one by one.

"Your Highness, this Qingzhou Bank is like this now, it is not dead or alive, and there is no way for the lower officials." After all, Pang Yukun is not proficient in finance, and he is at a loss for this.

Banks are an important means for Xiao Ming to stimulate the development of private capital in the next step, and he asked one of the account offices: "How do you handle the people's access business?"

"Like the Cao family's money bank, collect part of the silver to help the people deposit the silver in the bank, and at the same time issue them silver bills." The bookkeeper said.

Hearing this, Xiao Ming's face suddenly turned green, this did not explain how Pang Yukun ran the bank, and this problem really appeared.

He sighed and said to Pang Yukun: "From now on, the people are not allowed to collect silver for deposits and withdrawals, and tell them that their silver can still rise in the bank. ”

"Money! Your Highness, haven't we lost our money in vain? Pang Yukun was puzzled.

Xiao Ming said: "How can we lose? The bank collects the silver, and then lends the silver to the people to set up workshops, and the borrowed silver can charge a part of the interest, and we are empty gloves white wolves. ”

Pang Yukun didn't react for a while, and after pondering for a while, he suddenly realized, "Your Highness, high, really high, this is equivalent to us taking other people's money to make money, and taking out a part of the money we earn from this to distribute it to the people." ”

"That's right, for example, people can get three thousandths of the interest per month for depositing silver, and we can charge five thousandths when we lend silver, no matter what, the government will always not suffer, this is banking and finance, Pang Shoufu, you want to learn from Li Kaiyuan." Xiao Ming smiled.