Chapter 35 The weapon of robbery

Li Yuan seemed to have some clarity, but suddenly he felt a little worried: "If money is placed in the bank, if there is a rebellion in that place, as long as the money house is captured, wouldn't it be short of money and food?"

Chen Ying explained: "Your Majesty, this money shop cannot be kept in Guangzhou for so much money. There will definitely be merchants from Guangzhou who come to Chang'an to buy goods. It is not convenient for them to bring money with them. Isn't it more convenient to take the certificate until they come to Chang'an to pick up the goods?"

Pei Ji's eyes brighter the more he heard, but he still didn't fully understand and asked in confusion: "Is this going to place more officials? The money house in a state needs at least one chief official, two fake assistants, and more than a dozen minor officials. Now the Tang Dynasty is now 79 states, wouldn't it be necessary to add hundreds of officials of all sizes?"

Li Yuan's face became heavier and he looked at Chen Ying like a sharp arrow. He looked at Chen Ying with a faint heart: "Why do you want to build a money house?"

"I have provided convenience to others, no charges? I waived the cost of hiring a boat, the cost of hiring an escort agency, the cost of building a treasury, and then remove the cost of eating a horse. Is it not too much for a 10% fee?" Chen Ying smiled slightly and said, "What's more, the money deposited into a money house cannot be withdrawn at one time. I can also take it out to lend. The merchant wants to expand the workshop and lend him money. It is not too much for a 20% profit? Farmers rely on the heavens to make a living by farming land. When they meet God's favor, they can make a living. If they encounter natural disasters, they will die and sell houses and land. At this time, I can lend them money to buy seeds to overcome difficulties and collect 20% profits. "

A 20% profit is naturally 20% annual interest rate, which is 20%. If Chen Ying dared to raise such a high interest rate in later generations, he would probably be beaten to death. However, in the Tang Dynasty, the interest rate was really low. The aristocratic family lends, and the interest rate was usually more than 30%, and the profit was still bouncing. The 30% annual interest rate plus bouncing profit, relying solely on farming, basically no ability to pay the loan. The final outcome was to sell land, and the turn was for the tenants or wealthy households of the aristocratic family.

What's more, Chen Ying's goal is to use the lowest interest rate to fool the people into storing money to generate interest in the money house. In this era, there were no financial products at all. Although gold and silver are small in size and easy to preserve, they will oxidize the weight unit, and the quality will restrict the price of gold and silver. In other words, farmers or small landlords save money at home, which is actually consumed.

In the Ming and Qing dynasties, silver was used as currency, and the government usually used fire consumption during tax collection and transportation. Not every official wanted to be a corrupt official because fire consumption was an objective fact.

Li Yuan said: "I will give you 500,000 yuan. If you build a money house, you can build a road for Chidao?"

"If Your Majesty asks me to repair it within two years, I will definitely not be able to do it. It will take at least three years from the establishment of a money house to establishing a credit. In other words, this road will not exceed four years at the latest. Before the sixth year of Wude, if you dare to use Xiang Shang as a guarantee, you will definitely build the road from Chang'an to Luoyang." Chen Ying said confidently: "For more than 750 miles from Chang'an to Luoyang, if you build thirty post stations next to the road, there will be enough post horses to transfer, and you can completely arrive in the morning and evening. If there is any change in Shandong, Your Majesty's army will not exceed three days and can be transported to the city of Luoyang."

What really touched Li Yuan was not 10% of the interests and benefits, but that from Luoyang to Chang'an, it could be reached day and night. Since the founding of the Western Wei Kingdom in Chang'an, Guanzhong has gradually become the most prosperous place in the world. Because of the opposition between the Eastern Wei and the Western Wei, the Shandong nobles and the Guanlong nobles directly formed an opposition situation where water and fire are incompatible.

Even if the Tang Dynasty established a country, this kind of confrontation did not improve. Li Yuanji lost Taiyuan and all Hedong. It was not so much that Liu Wu and Zhou were brave and good at fighting, but in fact it was better to say that Shandong nobles were dissatisfied with Li Yuan's emphasis on Guanxi people and adopted silent resistance. The entire Hedong had more than 200 forts. If these forts did not surrender, he would not have conquered the entire Hedong for three years. However, Liu Wuzhou only took three months. From Taiyuan to Wenzhou, Liu Wuzhou did not encounter decent resistance at all.

What Li Yuan was most worried about was the recurrence of Hedong. If he could occupy the Central Plains in the future, he would not only have to accumulate heavy troops in Taiyuan, but also to Luoyang to deal with the sluts in all parties.

Although Chen Ying told Li Yuan about the benefits of money houses, there was no fatal weakness. Once the money house (bank) established outlets in various prefectures and counties in the Tang Dynasty and established a strong credit. If the money house was not well managed, it would be a chaos in the world, even more terrifying than military disasters. However, the money house had another benefit, which could absorb idle funds from the aristocratic families and accelerate economic development.

Li Yuan's eyes stared at Chen Ying, as if he wanted to see through Chen Ying.

Chen Ying did not dodge or avoid, and looked at Li Yuan lightly.

Chen Ying wanted to build a money house, not only to make money, but in fact he also wanted to use the money house to avoid the emperor's compromise. Because of his control over money, grain, population and talents, Li Yuan often chose to avoid or compromise, but he did not have so many concerns about himself. Chen Ying was like using the money house as a powerful tool to make Li Yuan and the court more concerned and not do whatever he wanted.

"I promise you!" Li Yuan said indecisively: "But..."

"I am very sober now. Pei Xiang can testify that if I cannot build the road from Chang'an to Luoyang within four years after I build a money house, I am willing to offer my head to the emperor!"

Li Yuan said: "You have no jokes!"

Apart from some sweat behind Chen Ying, Chen Ying breathed a sigh of relief when he heard Li Yuan agreeing.

In later generations, the overbearing terms of banks made Chen Ying very distressed, but he could not do anything about it. Banks were actually the best tool for robbery. The US government took the US dollar and cut wool all over the world.

In the thirty years after the war, Japan's economy developed rapidly and quickly became the largest creditor of the United States. The crazy expansion of Japanese capital made the Americans exclaim, "Japan will occupy the United States peacefully!" (very similar to today's China). However, with the signing of the square agreement between the United States and Japan, the Japanese economy became a bubble economy, and a large amount of wealth flowed to the United States, and the crazy development of Japan's economy was also delayed.

Although Chen Ying was not an economic expert, he used the concept of financial and economic theory in later generations to influence the Tang Dynasty. Although he had ulterior motives, his real intention was to make the Tang Dynasty better.

In the Tang Dynasty, the influence of the country would be comparable to that of later Americans, and the coins of the Tang Dynasty were equivalent to those of later US dollars. Once the Tang Dynasty could use paper money as a currency unit under the subtle influence of Chen Ying, it could invade soft power outside the military. Such an influence would make the surrounding countries have no ability to resist the Tang Dynasty.

Compared with military affairs, the Tang army can suppress the surrounding countries. In terms of economy, they only get a bunch of useless waste paper.

I don’t know what kind of flowers the products of the standard capital society of the banking industry can bloom in the feudal dynasty, but many things are unpredictable by Chen Ying. Thinking about the later generations, Chen Ying was overwhelmed by the mountains on his body. In this era, when he created a money shop, Chen Ying was inexplicably excited.
Chapter completed!