I am Da Song

Chapter 262 Little Yinger's Important Responsibility
Although the Green Crop Law failed, Zhao Huan paid great attention to the prosperous lending behavior of the people that it revealed.

Zhao Huan said: "Western banks, instead of causing people's suffering, have greatly promoted economic vitality. Therefore, I plan to draw lessons from the Great Song Dynasty and set up a banking system in the Great Song Dynasty."

"Mobilize a large amount of idle wealth of the royal family and lend it to private craftsmen, small workshop owners and merchants with weak capital. It can not only promote the prosperity of our dynasty's industry and commerce, but also limit the rampant usury among the people."

"For 3000 million yuan, based on a five-year period and an interest rate of 600%, there is also an income of [-] million yuan."

Four percent interest rate, which is simply as low as it can be.

Even if it is the Young Crops Law to ease the exploitation of private usury, the interest rate is two cents.It is five times the interest set by Zhao Huan.

Yan Ying stood beside the queen and said, "Then it's too easy to get money. You can earn the wealth of a million-dollar family without doing anything, which is more convenient than ransacking the house."

"Speaking of which, there aren't that many families with millions of dollars in this world, right? If you have a family worth of hundreds of thousands, you're a prominent businessman."

Then Yanying calculated with her fingers, and said in surprise: "The official family, Huangzhuang is 98 mu, and the rent is only 40 yuan. With this money, the annual income is higher than the rent of 300 million mu of fertile land. Then why do you have to farm the land? It would be great if you all go to open a bank, and your income will be higher.”

Zhao Huan said with a smile: "Everyone opens a bank, where does the food come from?"

"Ah? Of course it is bought with money? All the food in the palace is bought on the street outside Donghuamen. Not only are there all kinds of meat and vegetables, but also seafood and freshwater fish. I even ordered the royal chef to buy some live shrimps today." As for the fresh fish, the official family will stay at the Renming Palace for meals, right? The fresh and fragrant grilled fish cooked by the imperial chef is delicious, and there are scallion (garlic) fragrant prawns, which are plump and juicy."

Zhao Huan rubbed his brows helplessly, and said, "Xiao Yinger, such a high-end topic is really not suitable for you. You only have food in your mind, go and see if the royal chef's lunch is ready. I will stay in Renren today. For the Ming Palace meal, ask the imperial chef to add a dish of lotus leaf chicken and a dish of flame drunken goose."

Yan Ying happily left the palace as if she had received an amnesty. Obviously, in her opinion, going to Shangshi Bureau to urge lunch was much more interesting than listening to the cloudy commercial layout.

Zhu Lian shook his head helplessly, looked at Yanying's leaving back and said, "She is too simple-minded, and she doesn't know when she will be able to take up some burdens for me."

Zhao Huan said with a smile: "The empress trusts her, isn't it because she is as innocent as a piece of paper? I plan to name the bank established by the royal family Zhuqi Bank and give it to Xiao Yinger to take care of it."

"Xiao Ying'er?" Zhu Lian was surprised and said, "She doesn't know anything about economics or business. How can she manage such a huge bank business?"

The smile on Zhao Huan's face is a famous joke in later generations. Bankers must not understand economics.

"The bank's operating model and institutional regulations can be used for reference. Even if she knows business, it is not helpful. Sitting in that position, human nature is far more important than vision. What I want is that she has no opinions and opinions, and is impartial. , Strictly implement my will and the bank's system."

"What she handled was 3000 million yuan in funds, which was even enough to cover almost the whole year's military expenditure of the Song Dynasty before Jingkang. Her intentions were slightly wrong, and she caused huge losses to the royal family."

Zhao Huan pointed to Yan Ying who was leaving happily, and said with a smile: "Qing thinks that with her simplicity, she can figure out how to tamper with the system and use power for personal gain?"

Zhu Lian laughed dumbly, and said, "I'm afraid that she will miss the official business."

"It doesn't matter, since Qing is the hostess of the family, it is natural for Xiao Yinger to manage the family's money on behalf of Qing. The basic business of the bank is handled by professional handlers. Xiao Yinger is more like a supervisor, passing on the palace's orders by the way."

After talking about the business, the two relaxed, gossiping and chatting about homework, Zhu Lian thought of a question and asked, "Are there only so many assets belonging to the royal family?"

"That's more than that. The royal family also has several pastures, raising many royal horses, as well as a large number of ceremonial frames, tents, etc. There are also many rare treasures, coral emeralds, precious cultural relics, calligraphy, painting, calligraphy, etc. in the treasury. .”

In fact, Zhao Huan is not very interested in these things, such as Wenwan antiques, precious vases, calligraphy and paintings, etc., which are extremely valuable, but they can't be realized, they can only be used as collections.

But at the end of the dynasty, when they wanted to sell these precious treasures, they couldn't sell them, and they could only become the spoils of rebels.

However, gold and silver in troubled times, antiques in prosperous times, in order to embellish the prosperous times and decorate literature and art, the royal family must have a collection of these things.

Zhao Huan said with a smile: "If the empress rewards the wives of ministers in the future, she might as well reward these calligraphy and paintings directly. I hope that any minister who is interested in my collection will sell it to him directly at a high price."

Zhu Lian said with a smile: "The official family and the emperor are really two extremes. The emperor likes these literary treasures, but the official family is not interested at all. Instead, they like famous knives and sharp blades, and horses and horses."

"It's just that personal hobbies are different. Tang Taizong also likes these?" Zhao Huan waved his hand casually. You haven't seen anyone like to collect sneakers in later generations.

As he spoke, Zhao Huan's eyes suddenly brightened: "By the way, I suddenly remembered that the royal family really has a lot of priceless wealth. To be precise, it should belong to my wealth."

Zhu Lian asked curiously, "What is it?"

"Real estate in the capital!"

Zhu Lian didn't take it seriously when he first heard about it, and said, "A lot of properties have been handed down from the ancestors. Apart from the palace, there are probably hundreds of houses outside the palace. Why do you suddenly say that they are priceless?"

Zhao Huan waved his hand seriously, and said, "No, it's not just that. I remember that when the country was in crisis, I wiped out the six thieves and confiscated the properties of dozens of scholar-bureaucrats. There are probably thousands of properties here."

"Tang Yi? Do you know how many there are?"

Tang Yi immediately replied: "Officials, the 24th Division of the Sixth Bureau has counted once. Now in the city of Tokyo, there are a total of 630 royal residences, with different sizes. The largest one belonged to Zhu Yu, one of the six thieves. The former residence, the pastoral mansion, is like a royal family, covering an area of ​​more than [-] mu. There are also seven or eight rooms for the small ones."

"In addition, there are more than 430 mansion stores, all of which are located in prosperous commercial areas."

"Are these properties vacant?" Zhao Huan asked with concern.

"It's not that they are all vacant. The ones that were rented out before are still under lease. It's just that those that are not rented out are vacant without official orders, and are reserved for official rewards."

Zhao Huan clapped his hands and said to Zhu Lian, "Compared to the treasures of calligraphy in the study, this is the real wealth of the royal family."

(End of this chapter)