From noon to night, Uncle Li still read carefully with relish, as if he wanted to eat all the relevant information I had sorted out, and be able to conjure up a money store in his mind. I don't know how many cups of tea I've drunk, well, but I haven't even urinated once, and I still feel dry, and it seems that the saliva stars spit out by this son are almost worth three or five catties of tea.

Zhao Kun behind Uncle Li was also sitting cross-legged on the ground, holding his treasure knife, his eyes narrowed, if you looked closely, you could see that this guy was sleeping. Li Zhi also tried the same hard to understand what money is, what finance is, and what financial activities are, but it can be seen from his face that is crumpled into a dead dough that this guy's comprehension ability is only one-third of Uncle Li's at most, and Uncle Li's gaze is becoming more and more eager, and even the dinner that was sent, that is, gobbling it up, wiped his mouth and continued to examine.

Well, there are two kinds of registered capital of money banks, one is a regional surname bank, that is, a bank with a large number of yuan, the registered capital of this kind of bank must reach at least one million, this threshold is not high, there are not many people with a million yuan in Datang's family, but it is definitely indispensable. Even if they don't have enough money, it's not the same that they can partner in shares. Besides, as long as Datang severely cracks down on private lending, in this way, the money bank, a commercial institution protected by the state, will become the only choice for the people of Datang to save money and take out loans.

In addition, if you want to open your outlets all over the region, then the opening of each outlet must be recognized by the local political axe agency and issued an official certificate before it can be opened.

Otherwise, just a few ruffians and hooligans, or trash with bad intentions, get some money to decorate a façade, decorate it, and pretend to run a money bank, and when the time comes, abscond with the money, what will the people do? The court will definitely be blamed, so the threshold of this access system must be there, and there must be many treaties to bind it, and it must be very strict to prevent such a thing from happening.

I don't want to turn my head because of my son's original good plan to benefit the country and the people, let people point fingers, make the people scold, and even make me the most failed model among the people who cross over.

------------------------------------------------ "What do you mean is that the court has set up a system managed by the court, and the money bank is only responsible for policy adjustments, such as monitoring the deposit and loan interest rates of institutions like Datang, etc., and does not operate business for the people, right?" Well, that's a good idea, but what is your reserve fund? ”

"And what is this reserve fund?" Uncle Li stretched out his hand and pointed to a noun on the top and asked me. "This deposit reserve, that is, specially used to serve the needs of customers to withdraw money, if the bank has lent out all the money, then if someone comes to withdraw money, then what to do? If you can't get money, don't the people think that this money bank is simply a ghost place that can only enter and can't leave, who is willing to take money to save, so it's just that the son-in-law thought of such a way, at the beginning, in order to reassure the common people, the deposit reserve can be increased some, according to the deposit rate of 30% of the deposit deposit deposit deposited in the state bank, if after five to ten years, the people are trusting the money bank, no longer worry about their money will be lost, at this time, we are reducing the proportion of deposit reserves, but, no matter what, It cannot be less than 15 percent. ”

For example, if the money bank has a total deposit of 1 million yuan, then he must first pay 300,000 yuan to the local state money bank for storage, and the remaining 700,000 yuan can be used to issue loan funds.

In my eyes, the bank is also very simple, well, at least I think it is very simple, anyway, we don't engage in other financial activities, only save and borrow, so that there are also big profits to be made. The benchmark interest rate of the bank is up to one percent, which puts an end to the wind of private lending to the greatest extent, of course, loans, we only engage in mortgage loans, this work has to be strictly controlled, who is the loan for whom, who is responsible for recovering it, if the other party is maliciously unwilling to repay, then we will meet in the official office.

Besides, compared with Datang's current private interest rate of 30% to 50%, 10% is afraid that everyone will be robbed of a clean light just after the meeting, so the gatekeeper of the loan must be a person who is good at calculation and loyal to serve the money bank.

Of course, there is another point, if the other party is willing to repay the loan in three years, but at that time, the other party is due to natural disasters [***], or the business is at a loss, in that case, you can apply for a loan extension, so as to avoid the hardship of the people...... "The state set up a money bank, and then, is responsible for supervising and managing the commercial money bank below, right?" Uncle Li pursed his lips, and his red tongue stretched and shrank like a poisonous snake's letter, making people chill to see.

I quickly nodded in agreement with Uncle Li's understanding. Uncle Li reached out and touched his head, the joy on his face became heavier and heavier, and I knew that the opportunity had finally come. "Father-in-law, the son-in-law also wants to ask His Majesty to become a shareholder, and by virtue of His Majesty's natural prestige and prestige, the people will trust His Majesty's integrity, and when the time comes, the business activities of the son-in-law's commercial money bank will be better developed. In addition to His Majesty's contribution to obtain shares in proportion to the total shares, the son-in-law wants to make this money bank into the Tang Royal Money Bank in the name of the royal family, which is worth 10% of the shares, I don't know what the father-in-law thinks? ”

"Oh?" Uncle Li, looking at me, seemed to be thinking about something in his heart, and on the side, I put my toe on top of Li Zhi, throwing a look, this little guy naturally knows how to cooperate: "Father, the son also thinks that the master is reasonable, after all, if this matter can be set by the father and the emperor to set a precedent, even if those who seek the land of the people with usury are small, they don't dare to oppose this matter, this money bank, the son also thinks that the sooner it is established, the better, and the son is also willing to follow his father and invest in the money bank." ”

Li Zhi's words are absolutely sincere, although this guy doesn't have any economic acumen, but, after following my ass for so many years, he has never eaten pork and seen a pig walking? Ahem, I haven't seen how much money this son makes, at least anything he does with me is counting money into his pocket all day long, so he naturally understands that if you follow me, you will definitely have meat to eat and soup to drink.

Uncle Li didn't speak, blinked his eyes, seemed to be thinking about something, and Li Zhi and I could only look at Uncle Li, Uncle Li seemed to be hesitating, grandma's, it seems that let's not throw some bait, Uncle Li's ghost fairy fish is difficult to bait.

I cleared my throat: "In addition, if Your Majesty agrees, my Datang Royal Money Bank is also willing to open the insurance business of my Datang soldiers in order to support the country." ”

------------------------------------------------ "Insurance business? Uncle Li blinked, and saw that I didn't speak, as if trying to understand what the hell I was talking about. With a righteous face, I stood up, looked out of the window with a long look, and looked quite solemn: "Your Majesty, although my Datang is strong, but there are border troubles from time to time, in order to maintain unity and justice, the country sent my Datang elite to sweep away the enemy and rebellion, so that my Datang can be peaceful, and then, the country has also paid a heavy price for this, let's not talk about anything else, just the money spent every year on those soldiers who have lost their labor force and lost their lives, I am also afraid that there are hundreds of thousands of dollars, right?" ”

"Almost, just in the eighteenth year of Zhenguan's battle against Goguryeo, in order to compensate the generals who died in battle and lost their ability to work, my Datang spent nearly 500,000 guan, and for the revenge of Silla, the destruction of Baekje, and the war of the Japanese state, our Datang's weapons and equipment are more and more elite, and the soldiers who died in battle and lost their legs and feet are much less, but it also cost nearly 200,000 guan." Uncle Li looked sad, it seems that he is also very distressed about the loss of my Datang elite, of course, it is also possible that Uncle Li is distressed that his pocket is missing so much money all of a sudden.

"This, it is related to the insurance that the little son-in-law just mentioned, if you let the money bank do it, it will not only allow the country to reduce its losses, but also greatly increase the prestige of Your Majesty." If this trick is useless, we won't have a trick anymore. Uncle Li frowned suspiciously: "Virtuous son-in-law, what do you mean by this?" Do you want to make a losing business? ”

"Father-in-law, in fact, this is a mutually beneficial and reciprocal method, even if the son-in-law loses, he actually can't lose much, but for the sake of the country, the son-in-law is willing to bear this burden." I replied to Uncle Li in a high-spirited manner. Uncle Li was really interested now: "Tell me, what is this insurance?" ”

"In fact, it's very simple to say, that is, the son-in-law saw that my Datang soldiers were fighting the battlefield, and many people died in Huangquan, but the family was lonely and old, although the state would exempt them from taxes, but it was still difficult to lack labor, so the son-in-law thought that he should do something for my Datang soldiers, and also wanted my Datang soldiers to know that Your Majesty is not only the commander who leads them invincible in the world, but also can ensure their happiness and health."

(To be continued)