Da Qin: I exposed myself as a time traveler, why are you Zhao Gao panicking?

Chapter 139: Money bank actually has such wonderful uses? !

Zu Long's fingers gently tapped the armrest next to the dragon couch, showing his inner excitement and expectation.

He is well aware of Qin Chi's wisdom and talent, and now he believes in what he said.

Li Si stood aside, with his hands behind his back and his brows furrowed, as if he was trying to digest Qin Chi's words.

His eyes shone with doubt, curiosity, and shock.

Paper instead of money...

Bank...

He knew Qin Chi's idea was unprecedented innovation, but at the same time, he also saw the huge potential and interests contained in it.

His face was extremely solemn, trying to find a balance point to evaluate the feasibility and risks of this idea.

Qin Chi made them see the far-reaching significance of the bank's benefits.

Taking a deep breath, he continued: "Your Majesty, the reason why I dare to propose such an idea is because I firmly believe that it will benefit the country and the people. As long as the court can make prudent decisions and implement them steadily, it will surely create a new era of prosperity for the Qin Dynasty. situation."

Zulong nodded slightly when he heard the words, his eyes were calm, and his imperial power was condensed.

Li Si showed a thoughtful expression.

They knew that Qin Chi had not finished speaking, so they both adjusted their sitting postures and listened to Qin Chi's story more attentively, as if they wanted to carve every word into their hearts.

"Go on, what is the use of this bank?" Zu Long asked.

"Your Majesty, money banks are actually an important tool for the imperial court to control financial expenditure. The imperial court can adjust the interest rates of deposits and loans and direct the flow of funds according to the situation, so as to promote the upgrading of various industries and the prosperity of the economy."

“The biggest role of banks is to stabilize market prices. When people deposit their money in banks, the amount of currency circulating in the market is reduced, thus suppressing the tendency of money to be valued over material goods. If prices are stable, people will live and work in peace and contentment, and the country will prosper. Then all the people will return to their hearts, and this will be the benefit of the bank!"

Wen Qinchi's words, Zulong's eyes suddenly brightened, as if the stars in the night sky were bright.

He stood up suddenly, his mysterious robe fluttering, revealing his inner excitement.

He stared at Qin Chi closely, with unconcealable shock in his voice: "Qin Chi, do you really mean what you said? How can a bank do this?"

Li Si also had a look of shock on his face. He couldn't help but step forward and asked eagerly: "Qin Tingwei, if this strategy can be implemented in this way, wouldn't our Great Qin be more prosperous?"

His tone revealed unlimited expectations for the future and deep admiration for Qin Chi.

Qin Chi looked at the shocked expressions of the two people and knew that his idea was an unprecedented innovation, but he also firmly believed that it was a move that would benefit the country and the people.

He nodded slightly and said in a deep voice: "Your Majesty, what I said is true."

Zu Long and Li Si looked at each other and saw the shock and determination in each other's eyes.

They knew that although Qin Chi's idea was bold and innovative, the wisdom and vision contained in it were unparalleled.

They took a deep breath, as if to calm their inner excitement.

Then, Zu Long slowly sat back on the dragon couch, looked at Qin Chi with burning eyes and said: "Qin Chi, Qin Chi, you really did not disappoint me. This is a wonderful strategy. I will definitely consider it carefully."

Li Si also stroked his beard and smiled, with a gleam of wisdom in his eyes: "Qin Tingwei is really a blessing to our Great Qin. If this strategy is implemented, our Great Qin will surely reach a higher level.

"But..." Li Si suddenly had a question, which he had just thought about for a long time: "I can understand using paper instead of money, but this bank... allows people to save money, gives interest, and uses it for empire building... …But if this happens, won’t the expense of my court become more and more holey?”

As soon as these words came out, Zulong also frowned in deep thought.

This is true.

Let the people save money, the money belongs to the people, and the court must pay interest, which is equivalent to borrowing the people's money to do things.

If interest is still required, how can the money be fully replenished?

Qin Chi nodded when he heard this, and then smiled: "Paying interest is actually a feedback from the court to the trust of the people. The people trust the court and entrust their money to the court, and the court maintains this trust and realizes it by paying interest. Win-win."

"People deposit their money in banks, and the court pays interest based on the amount. This is a way of mutual benefit."

Li Si asked hurriedly: "Where did this come from?"

Zulong also had glaring eyes and listened curiously.

Qin Chi continued:

"The imperial court can use this to maintain the trust of all people, and its wealth will also increase accordingly. If the imperial court implements this strategy properly, it will not increase its burden, but will become one of its financial resources."

"Because the people's savings were gathered in banks, the imperial court was able to deploy this huge amount of funds, either for water conservancy construction, famine relief, or military expansion. All things could be done calmly, and the people were more happy to receive the interest in return. Savings is actually a win-win strategy for the court and the people."

After hearing this, Li Si still frowned: "But this still doesn't solve the problem of the imperial court's deficit!"

He frowned and fell into deep thought.

I thought to myself that the imperial court would use the money deposited by the people in banks to do things. This would certainly solve the immediate funding problem, but in the long run, wouldn't it mean that the hole would get bigger and bigger?

He couldn't help but cast doubtful eyes on Zulong.

I saw Zulong also frowning, obviously thinking about the same problem.

When Qin Chi saw this, he shook his head gently and knew their concerns.

So, he eloquently said: "What Prime Minister Li is thinking is actually common sense. However, the beauty of money banks is not only the benefits of savings. The court can also achieve a virtuous cycle of funds through loans and other methods!"

loan? !

Li Si and Zulong listened, very curious!

As soon as Li Si condensed in his heart, Qin Chi would jump out of new words when he couldn't move in his mouth, and he couldn't understand.

He was filled with doubts and looked at Zu Long.

"Keep talking." Zu Long said quietly, signaling Qin Chi to continue.

"The benefit of a loan, to put it simply, is that the court borrows the money saved by the bank to lend it to merchants, farmers and other common people for temporary use, and then returns the principal and some interest on schedule. The benefits of this move are obvious."

"If there is a gap in the business, the court loan can expand the operation and buy more. If the business is booming, the profit will double. If the court loan helps, you can cultivate in time. When the autumn harvest, the food is full, and the court can also get the benefit of food and tax. "

"It is said that all the loans provided by the court come from the money saved by the people in banks. The court uses this money to flow into the hands of the people to promote the prosperity of all industries. When the people benefit, the country will prosper. This is a win-win situation between the court and the people. A good strategy."

"What's more, through loans, the court can control financial expenditure and balance the market. If merchants are too prosperous, they will increase the interest rate on their money to suppress it; if agriculture is not prosperous, they will lower the interest rate on their money to encourage it. This is The beauty of the imperial court's use of loans, and the beauty of this strategy, lies in stabilizing the country... and it can also stabilize the foundation of our great Qin Dynasty! It will be immortal forever!"

Li Si suddenly realized it!

It turns out that loans have such wonderful uses!

(End of this chapter)