I directed the Xuanwumen Incident

Chapter 239 Do I Learn From Sima Yi?Li Er, don't disgust me! (45)

"Avalokitesvara's maid should take good care of her health."

Li Shimin took the watermelon and said with a smile,

"Renren Sun also said earlier that your body is weak, you have to avoid eating on weekdays, and you still need to exercise."

"Why don't you go and fight Cheng Qian and the others?"

Changsun Wugou rolled his eyes.

"I'm not going. Is it reasonable for a mother to practice martial arts with the children?"

she hummed,
"However, when you have time, I understand that you can teach me."

"I have nothing to do, I can practice...what do you call it? Gymnastics?"

Xu Fenglei nodded happily.

"It's gymnastics, you can call it boxing, it has the same meaning."

He continued,
"Your Majesty, you should practice. If you practice every day, you will live forever."

The eldest grandson Wugou also had a short lifespan, but died of illness at the age of 36, mainly because of his poor health and frequent births.

If you can start exercising from now on, not to mention more, living to fifty or sixty will not be a problem, right?
The mother is healthy, and the little son Li Mingda born later may not have congenital diseases.

"Look, this kid is thinking about longevity every day now."

Li Shimin joked,
"Why, do you want to learn from Sima Yi?"

Xu Fenglei stared.

"Don't disgust me, I said you won't marry, you won't marry, you won't have children, what kind of Sima Yi should I learn from him?"

he scolded.

This Li Er, I am afraid that the passive skill is not triggered, so he will test others at every turn.

Isn't Lao Tzu's loyalty to you a lesson from the sun and the moon? !
Ok? !

"Okay, okay, I made a mistake, I made a mistake."

Li Shimin confessed repeatedly,
"Eat a piece of iced watermelon as a penalty."

After finishing speaking, he groaned and groaned, killing a piece of watermelon three times, five times, two times, and licking his lips contentedly.

Xu Fenglei: "..."

You are so meow, is this punishment or reward?
If you eat any more, the children won't have anything to eat later!

"By the way, listen to me, the bank you mentioned to me earlier... I don't quite understand it yet."

The eldest grandson Wugou glanced at Li Shimin in disgust, then looked at Xu Fenglei and said,

"Can you go into more detail?"

Xu Fenglei nodded immediately.

"of course can."

He took out a copper coin from his pocket and explained,

"The bank is actually an institution that handles money and makes profits from it."

"Take Kaiyuan Tongbao as an example. Suppose I have [-] Kaiyuan Tongbao in my hand, but there is nowhere to use them for a while, and I am worried about keeping them at home. What should I do?"

"Then I can deposit it in the bank and get interest money."

"For example, if you deposit for one year, you can earn 200 yuan in interest after one year, and the principal is [-] yuan in total."

Grandson Wugou nodded.

Li Shimin also put down the watermelon in his hand and listened attentively.

"If you save for two or three years, the interest will be higher and the interest will be more."

Xu Fenglei laughed,
"And when the bank has money from depositors, it will not keep it in the account, but will lend it to those who need it urgently."

"For example, if a person urgently needs to buy a house in Chang'an, he can come to the bank to borrow a few thousand dollars. The interest is related to the loan period. Of course, the interest on the loan is several times higher than the interest on the deposit. We want to make money, right? Not charity."

A bright light appeared in Li Shimin's eyes.

"Listen to you, this bank just lends the money deposited by depositors to others, and earns the difference in interest?"

He continued,
"You don't have to pay any capital?!"

"This is a sure-fire deal!"

Xu Fenglei shook his head.

"That's not true, there is also the possibility of compensation."

he said,

"For example, if the person who borrowed the money dies and the account is closed, no one will return the money. If the money cannot be recovered, it will become a bad debt and a loss."

"Another example is that someone defaults on a debt and refuses to pay back the money. If there is no death for the money, then the bank has nothing to do with it, and it is also a loss."

"Therefore, borrowing money is risky. Of course, before lending money out, the bank will carefully review the borrower's family background, status, and whether he has a stable income, etc. Qualified to borrow money!"

Grandson Wugou nodded.

"That's it. Otherwise, if some people borrow it and have no ability to repay it, wouldn't it be a waste of money?"

she said.

"Humph!"

Li Shimin snorted coldly,

"If you really die and lose your family, that's all. If you have money but don't pay it back, you don't care about the court! Just ransack the house!"

Xu Fenglei laughed.

This is the attitude you want!

"Yes, our bank is a disadvantaged group. If someone cheats and refuses to pay back the money, then we must ask the court to uphold justice."

He said hesitantly,

"Well, I think this kind of business is relatively stable, and it doesn't harm the people. Whether it's saving money or borrowing money, I will never force it."

"In addition, when the bank is strong, the money can also be used for investment business, helping the people, etc., which can be compound interest or charity."

"So... Your Majesty is interested in buying shares?"

When Changsun Wugou heard this, he was a little moved.

But she didn't speak, and gave Li Shimin a slight sideways glance.

"If it is as you said, it is indeed a good thing."

Li Shimin touched his chin, looked at Xu Fenglei, and said with a half-smile,

"But can you tell me why you suddenly want to make money?"

"I asked you to be a minister, but you desperately refused, saying that you were ignorant of government affairs and didn't want to delay the government... Why, you are proficient in business matters?"

This kid, instead of being a big official, wants to run to make money!To be the lowest-level businessman among scholars, farmers, businessmen and commerce!

In those few days, he was really angry!

"Hey...Your Highness, to be honest, the good things I want to do really need continuous financial support."

Xu Fenglei sighed softly,

"For example, I want to build a medical school in Chang'an City to train doctors, benefit the people of the world, and develop medical progress. I have even negotiated with Sun Simiao and asked him to be the dean."

"Buying land...does it cost money? Building a college...does it cost money?"

"At that time, recruiting lecturers and managing the students' board and lodging will cost money, right?"

Li Shimin thought for a moment.

"It's a good thing!"

He clapped his hands and said,

"If you want to do this, I fully support it! Just ask the treasury to allocate funds for you!"

Xu Fenglei smiled.

"The little money in the national treasury is enough to support the military pay. How can I allocate it to build a college for me?"

he said,

"Although Your Highness is willing to support it, I don't want the country's wealth to be used by me. It should be used wisely!"

"Conversely, I want to open a bank, not only for my own personal gain, but also for the funds to build the academy. In fact, I also want to support His Highness and Your Majesty!"

Li Shimin frowned. "How do you say that?" He asked with great interest.

(End of this chapter)