Tiantang Splendid

Chapter 816 The Royal Bank
Kong Yingda's eyeballs protruded instantly, and his face was full of surprise.

"How many?!"

It was not Kong Yingda who made the question, but the old man Yuming who followed him in...

The old man's performance was even more shocking than Kong Yingda's. He snatched the account book from Pei Xingjian's hand and looked at it carefully, with an incredulous expression on his face.

"590 million guan?!"

This time, the two old men spoke in unison, it was unbelievable!

Fang Jun looked at the old man Yuming strangely: "Does the Yuming family also care about breeding goods? This Marquis thought you were all masters of the outside world, the kind who cut through the world of mortals and kept the six senses clean."

The old man Yuming stared and said: "That's a monk! Besides, monks have to rely on sesame oil money to eat, let alone the Yuming family? With so many mouths waiting to eat, you can't grow what you want to eat yourself. Ordinary transactions are also necessary. "

Fang Jun nodded: "Yes, the granddaughter's mouth alone costs a lot of money a year..."

Thinking of foodie Yu Mingxue, Fang Jun felt a headache.

But that girl hasn't seen anyone for the past few days. Could it be that she has changed her gender and wants to be a lady?
The old man Yuming found a chair and sat down, snorted, and said angrily: "The Yuming family doesn't have so many good things to eat. The girl died early since she was a child, and she suffered a lot from sleeping with the old man. But when I come to your place, I am hungry for delicacies from mountains and seas every day, and I can no longer eat the usual simple food, so I just hang on, who are you blaming?"

Fang Jun was dumbfounded: "Are you blaming me?"

I served that aunt with delicious food and drink, what could be wrong?

The old man Yuming said as a matter of course: "Of course it's your fault, you have to be responsible."

Fang Jun said angrily: "What is the responsibility of this Marquis? Do you still have to support her for a lifetime?"

He was impressed by the strange brains of the Yuming clan, the little girl was out of tune, and the old one was more freewheeling, only the handsome guy Yuminglei was more normal and could communicate.

"By the way, why haven't you seen Brother Yuming these days?"

It's okay if he didn't mention it, but when he mentioned it, the old man Yuming immediately became annoyed, pointed at Fang Jun's nose and scolded: "You are too treacherous! This old man led his people to help you with good intentions, but you used Some nonsense and specious words have disturbed the hearts of the descendants of my family, it is really hateful!"

Fang Jun touched his nose, but didn't dare to say anything.

Speaking of this matter, he was indeed unreasonable...

For a person who devoutly pursues the supreme way of heaven and dreams of becoming an immortal and a saint, it is really a very cruel thing to completely shake the firm belief in his heart.

When Yu Minglei found out that the way of heaven that he was persistently pursuing was still so far away, doubts about life and shaking of confidence must be very painful torture.

But Fang Jun naturally refused to admit his mistake.

He asked back: "What did the Marquis say wrong?"

The old man Yuming was suddenly at a loss for words.

Is it wrong?

According to Yu Minglei's retelling, Fang Jun's words are naturally not wrong.Even if the world view of this era is very distorted, it does not prevent some radical people from questioning the world.

Unfortunately, Yu Ming is such a group of people who have extreme thoughts, clever minds, and erudite knowledge to overthrow the current worldview...

Mountains have an end, rivers have an end, why is there no end to the sea?
If there is an end, what is the end?
Is it Penglai Xiandao?
Or is it barren?
Where is the end of the day?

Where is the end of the earth?

Once this kind of question takes root in your mind, you will be thinking about seeking answers all the time, but in this era, it is impossible to have an answer to this kind of question...

For these top scholars in Yu Ming's family, the more questions they can't find the answer to, the more persistent they will be.The search for the supreme way of heaven is such a question that seems to never have an answer, but will never give up!
So, now the whole clan is stunned...

How can old man Yuming not be angry?
However, Fang Jun's words are really not wrong. If you want to overthrow his words, you can only jump out and ignore his words.

But this kind of philosophical problem is like a big pit. For a family like the Yuming family who pays most attention to philosophical speculation, it is easy to get in, but it is difficult to get out...

Kong Yingda suddenly sneered at Fang Jun: "A kid who thinks he's smart, but he doesn't know he's been cheated, it's ridiculous!"

Both Pei Xingjian and the old man Yuming looked at Kong Yingda in surprise, not knowing why the master said such shocking words.

Fang Jun asked with a smile, "How can you see that?"

With a stern face, Kong Yingda pointed at the account book in the old man Yuming's hands, and said sarcastically: "In the past, people all told that Fang Erlang was the reincarnation of the God of Wealth, and that I could turn stones into gold, and I thought so deeply. But now, it seems that it's just rumors. That's all. More than 500 million guan? Hehe, you dare to think! The tax of the imperial court is less than 3000 million a year, which is the sum of cash, cloth, linen and other items. No matter how rich the south of the Yangtze River is, it is impossible Take out 500 million guan in cash!"

Pei Xingjian nodded and said: "What the master said is very true. Not to mention 500 million guan, even half of it is extremely difficult. At the time when the chief executive ordered those families to take out 60 guan to redeem people, it was already a lot of trouble. The money is definitely not available."

Kong Yingda said in astonishment: "Since you know, why didn't you remind this kid, instead let him pretend to be smart?"

With so much cash, the Jiangnan gentry would never be able to get it even if they emptied the treasury. If they wanted to match the amount, they could only offset it with land and houses.But land property is the foundation of a family, even if those gentry are willing to give you 100 million guan for nothing, they will definitely not give you [-] guan of land!

In this way, wouldn't it be a waste of time to fetch water from the bamboo basket, just to make the accounts look good, but in fact they can't collect money at all?
No matter how you calculate it, Fang Jun is a bad debt.

Fang Jun smiled without saying a word.

Kong Yingda got annoyed, patted the table, and said angrily: "You two brats, are you cheating on me? What the hell are you planning, why don't you hurry up and tell me?"

The old man Yuming also looked at Fang Jun with great interest, wanting to see how he would solve it.

Kong Yingda lost his temper, and Fang Jun didn't dare to tease him anymore. He stood up and opened the window, pointed to a building not far away, and said, "There will be a bank starting tomorrow, and the name is 'Royal Bank'." .”

Kong Yingda was confused, and looked at the old man Yuming, who was also confused, and didn't know what a "bank" was...

It's not that the two old men are ignorant, but that "banking" is a business that has never appeared so far.

The ancient feudal society did not have a unified financial institution, resulting in the long-standing diversified currency system and the mixed circulation of multiple currencies, so that currency exchange already existed in the Spring and Autumn and Warring States Periods, while the formal exchange business began to appear in the Western Han Dynasty. Gold and silver cabinets, pawn shops and other industries took on this business.However, most of the loans are freely issued by the people without any supervision, and they are flooded.

It was not until the middle of the Ming Dynasty that the real "bank" appeared.

Kong Yingda wondered: "What is the 'Qianzhuang'?"

Fang Jun said indifferently: "To put it simply, it is a business that uses other people's money to make money."

Kong Yingda looked at Fang Jun like a fool: "Where is a fool willing to give you money and let you make money?"

"Hehe, Master doesn't believe it? There are many such fools in the world."

Fang Jun was very proud, the feeling of crushing the ancients with his "IQ" was very refreshing, especially the one who was crushed was a well-known Confucian at that time, the pleasure was even more wonderful...

The old man Yuming suddenly interjected: "The chief executive said, but let others deposit money with you, and then you take it out to put usury, and seek profit?"

Fang Jun looked at the old man Yuming with admiration.

Kong Yingda also understands, but she still can't figure out Fang Jun's tricks. Others have money and won't put loan sharks on their own. Why should they deposit it with you so that you can make profits for nothing?However, he heard another layer of meaning in Fang Jun's words, and asked, "In simple terms, it is seeking profit from capital, so how about a more complicated one?"

Fang Jun chuckled: "Exchange rate, unified currency, if one day you can afford the qualification to mint money, tsk tsk tsk, then you will make a fortune!"

In this feudal society with low productivity, the most profitable business is the bank!

When one day the copper coins and gold coins of the Tang Dynasty can reach the world, it will be like a thousand troops...

(End of this chapter)