Jingwen found that Li Shimin was a financial idiot, and he could even think of himself, a non-financial practitioner in later generations, but Li Shimin actually thought that Jingwen was going to transport it in person. And Jingwen inevitably wants to popularize the knowledge of finance to Li Shimin.

"Your Majesty, in fact, why do we need to transport it? We're just transferring the money from our left hand to our right hand. Your Majesty, if you think about it, for example, if our Chang'an government is going to allocate funds to Luoyang, it must be exchanged for huàn into gold and transported to Luoyang. However, our semicolon in Luoyang is also beginning to absorb copper coins and exchange them for gold. And these copper coins are actually stored in the warehouse in Luoyang, and when the gold from Chang'an comes to Luoyang, Luoyang can exchange the gold saved by others for the people in Chang'an. And the same is true of the copper coins sent by Luoyang to Chang'an, will it not be long before the copper coins sent by the locals in Chang'an are directly given to the people in Luoyang? It's the same everywhere else, we don't actually need to transport copper coins, we don't actually move them at all. And what really moves, in fact, is the gold and silver, and these silver and silver do not need to be transported by us. Jingwen said.

Li Shimin's face was weird, obviously he didn't expect this, there was actually this kind of play. And how did Li Shimin know that this is just the most basic way to play finance, something that a child will do in the future. However, Li Shimin, the ancient emperor, just didn't expect it.

"Then you just do it twice, and you're going to take a profit from it?" Li Shimin asked.

"Yes! Of course we have to take a profit, because we provide a service! Jing Wen said as a matter of course.

Li Shimin's face turned blue. He never thought that it would be so easy to make money, but it was just such a double handover, in fact, it was a batch of money. But if you make money like this, you can make money. Moreover, it is still making money at both ends, which is simply too speechless.

"Your Majesty, I rely on credibility to make money!" Jingwen said.

"You're going to make money, profiteers!" Li Shimin scolded with a smile.

Jingwen laughed and didn't speak.

And then, Li Shimin immediately said: "That's right." If, according to you, you have to exchange it for huàn again when you go to the local area. For example, we transported the gold to the border and then exchanged it again with the guò bank. The copper coins were distributed to the soldiers, and wouldn't there be less of them in the locality? And in this way, will it cause less and less copper coins in the border areas? ”

But Jingwen said: "Your Majesty, you don't have to worry about this. In fact. This one is simple. It's not complicated. When a soldier gets paid, he has to spend money, right? After all, copper coins can't be eaten or drunk, so they must have to exchange these military salaries for food and drink, and they may even go to the local Qing. Take a look around the building. Isn't this also the cost? After they spent it, the money went to the merchant again, and the merchant went to buy elsewhere, and inevitably had to exchange the gold with our bank again. In this way, the gold sent from other places can be exchanged for huàn again. And the copper coin is back again! And the same is true of the government, which received copper coins. But sooner or later, it will have to be spent. Once the government sends out the money, then the money will not go back to the hands of the people again, and the people will eventually have to buy things from the merchants, and the merchants will buy things again and so on will also come back to our banks. Therefore, the local copper coins will not be lost too much to other places. ”

Li Shimin almost vomited blood, and the co-authorship went around in a circle, did these copper coins actually return to the bank again? The co-author of this bank does not have to do anything, sits in the house, and constantly exchanges copper coins and gold and silver with each other, so that he can get profits out of thin air. Moreover, Li Shimin can also think that when the time comes, those magistrates, soldiers, and even businessmen will be grateful to this bank, because they can help themselves solve the problem of transportation. When the time comes, those soldiers from the same township can exchange the remaining military salaries into ingots, and then return to their hometowns together. In this way, everyone does not have to carry a heavy load, and they can work together to protect their wealth.

And it is much easier for the government to allocate money, and it is much easier for businessmen to trade, so this is simply a thing that is beneficial to all aspects, and many people are willing to play like this even if they are willing to pay some costs. It's a creative thing, and whoever is creative enough will be able to make money. Moreover, this money can be said to be rolling in, and it does not produce any benefits, but only benefits from economic theory. Find the law from various economic behaviors, and then get benefits.

"You're just playing with words! You can even get money from this kind of word game, you really deserve to be the God of Wealth of my Tang Dynasty! Li Shimin said with emotion.

Li Shimin feels that this industry is also playing with words, and the money is actually just recorded in the ledger, and then some people carry the copper coins and then record these things on another ledger again. And the ledger is recorded in words, so Li Shimin is saying that Jingwen is playing word games. So, for Li Shimin, isn't finance just a play on words? And Li Shimin also talked about the essence of finance, in fact, isn't finance just constantly playing word games? It's just that the finance of later generations is mainly about numbers, not Chinese characters, but in the end, they are all fiddling with words, and there is no real output in them.

"Thank you for the name! From now on, the minister will be my God of Wealth in the Tang Dynasty! Jingwen said immediately.

Li Shimin was speechless.

"Alright, you hurry up and set up this bank! Although you are not very good at this word game, at least it can save me a lot of transportation costs. In this way, can't my Datang increase its income out of thin air? As long as it can be increased by one percent, it can be said to be a very huge benefit to my Datang. So, this bank must be built as much as possible! You word game, not bad! If you can come up with a better word game to help me save money, then I will be rewarded! Li Shimin said.

"Command!" Jingwen replied.

Li Shimin agreed, that is, let the government allocate funds by this bank in the future, so that the bank can use the credibility of the government to operate, and then let the businessmen trust the bank. (To be continued......)