Three whips break the father-son relationship, please call me prince

Chapter 215: Give the two brothers an economic lesson, the bank's status will be equal to that of the six departments

"elder brother."

"Why do you want to let Father go?"

"When an emperor travels, it is a grand event, but it also costs a lot of money and effort."

Li Zhi was very puzzled by this.

Even Li Ke had doubts about Li Chengqian's ideas.

Li Shimin acted quickly and did what he wanted to do.

He traveled lightly, with a few officials and a hundred cavalrymen as his companions, and began his activities in Chang'an.

The fact happened before many people even realized what was happening.

"A waste of money and effort?"

"Your Majesty, has your trip this time been a waste of money and manpower?"

Li Chengqian asked back.

"It didn't happen this time, but next time when we go to a far place, it may happen again," said Li Zhi.

"Don't look at things so one-sidedly."

Li Chengqian said calmly: "Let me ask you something. If Your Majesty goes to Jiangnan, does the official road need to be maintained?"

"want."

"Will Your Majesty stop somewhere suddenly?"

"possible."

"Your Majesty may stop somewhere at any time. What will the government do?"

"Bring out the good and cover up the bad."

Li Zhi said: "This will only waste people's time and money..."

"Do not."

Li Chengqian said: "In the past, it would have cost a lot of money and labor because people had to put down their farm work and repair the road at an inappropriate time."

"It is the local governments that provide for the emperor's expenses and tyrannically requisition the people."

“This leads to a situation where only civilians get hurt.”

“From now on, all this will change.”

Li Ke asked: "How?"

"Your Majesty travels around the country to visit the people of the world, not to bring harm to them."

Li Chengqian said: "The government will pay for the repair of the official road. The money needed by the headquarters will also be paid by your majesty's inner treasury."

“It all comes down to money.”

"Why do you think His Majesty is so willing to go out this time, not worrying about wasting money and manpower?"

"There is so much money in the inner treasury that Your Majesty is looking for a place to spend it."

He spoke to Li Ke earnestly, "You have to remember one thing."

“Money is dead if it is not circulated and activated.”

“Dead things have no value. They only have value when they are spent.”

"I'm letting your Majesty go out this time. Your Majesty will pay for the trip himself. When he arrives at a place, he will have to spend money on food and horses, and spending money will bring benefits to the local area."

“Businessmen may benefit, but ordinary people can also get certain benefits.”

"People can change their lives if they have money. Similarly, merchants will also find ways to enrich their goods so as to earn money from the people."

He spoke at a moderate pace so that the two could understand and digest it.

"When merchants pay taxes, part of the money will go back to the court, which will then use it to repair roads and allocate money to government offices."

“As more money is spent, goods become more abundant, and people’s lives become more fulfilling.”

Li Chengqian changed the subject and asked, "Why do you think I should have seafood from Jiangnan sent all the way to Chang'an?"

"Chi Nu, do you understand?"

Li Zhi shook his head, and Li Chengqian said, "You are probably thinking that your brother is also a wasteful and indulgent person."

"I didn't say that."

"You think so."

Li Chengqian said disdainfully: "You guys, you eat the most every time, and you still have a problem with me."

"Don't you think about how many people are following Gaoyang Restaurant now, and how many ministers in the palace like it?"

"How much money does it cost to transport it from Jiangnan to Chang'an every day?"

"I won't tell you much, just be conservative, ten thousand strings of cash."

"Saburo!"

He looked at Li Ke and said, "Let me test you."

"Who will enjoy the benefits of this 10,000 strings of cash?"

Li Ke frowned and asked, "The force used for transportation?"

"anything else?"

"Food and lodging for fishermen, boatmen, and footmen..."

He thought for a long time and that was all he could think of.

"Good, you can think of this."

Li Chengqian said: "There is also the maintenance of official roads. There are so many palace ministers who want to eat, and the roads are inconvenient. If those officials do not maintain the official roads well and delay it, they will offend them."

"In addition, there are fishing boats at sea, and the craftsmen who build boats, are they also paid?"

"Wouldn't this also develop the shipbuilding industry?"

"Improvements in fishing technology, accumulation and improvement of shipbuilding technology, etc...."

“Back to square one, do people have money to buy things?”

“Can the court collect taxes?”

As their thoughts gradually became clear, Li Zhi and Li Ke had already knelt beside Li Chengqian, listening carefully and digesting the relationship behind it.

They also realize that an industry can bring about the involvement of many people.

“I don’t think it will be that simple.”

Li Zhi looked serious and said, "It's not just the surface. I feel like my brother has other intentions behind this."

"Oh?"

Li Chengqian smiled and said, "Do you know what he was thinking?"

"My brother is planning a big game."

Li Zhi said firmly: "This may have something to do with the bank of the third brother."

"It's also related to the newspaper, but I can't tell you, it's completely connected."

Li Ke was surprised, "What does this have to do with the bank?"

"money!"

Li Zhi said: "This must be related to money. My brother just said that money needs to flow and be spent to be valuable."

"no……!"

He suddenly widened his eyes and said, "Brother, you are not planning to take over the wealth of the aristocratic families, are you?" "Go on," Li Chengqian encouraged.

"The aristocratic families are very rich, but they don't spend much money. But judging from the newspapers, they spend money."

"This seafood also costs money from the Chang'an clan."

Li Zhi said excitedly: "Brother wants the noble families to spend money, right?"

His eyes, longing for recognition, almost overflowed.

Li Chengqian couldn't help but sigh, it was Li Zhi after all, following him, his growth was so rapid.

"Yes."

"I want them to use the money they have hidden."

Li Ke interrupted and said, "But what does this have to do with my bank?"

"I don't know either." Li Zhi shook his head and said, "Brother, can you tell me?"

"It's actually very simple. The function of a bank is not just as simple as exchanging silver dollars."

Li Chengqian did not hide it from them, especially Li Ke, and wanted to give him a heads-up that he would become the richest man in the Tang Dynasty in the future.

“Save, borrow.”

"what?"

The two men's expressions were almost petrified, they looked stunned, as if they had never seen the world before.

"Brother, please tell me in detail." Li Zhi crawled to Li Chengqian's side, his face full of desire.

Li Ke also moved a little.

The two brothers just sat there, eager to learn, waiting for their elder brother to give them lessons.

"Savings mean that you can deposit money in a bank, and the bank will give you corresponding interest."

"That's not right, brother. Why should we give them money? The bank helps them manage their money, so shouldn't they give the bank money?"

Li Zhidao.

"You are stupid. How can we let people deposit their money if the bank doesn't pay interest?" Li Chengqian said with a smile.

"Then isn't this a losing business?" Li Ke said.

"Yes, if you give them 100 strings of cash out of 100,000, they probably won't be willing to deposit it. The risk is too great."

Li Zhi nodded: "But it's too little, and they don't want to, so they might as well hide it at home."

"Zhi Nu, you have 100,000 strings of cash and put it in the bank. I will give you 2,000 strings of cash a year. Will you keep it?"

"Deposit it, two thousand strings of cash, just put the money there, there is so much money, it's useless to waste it." Li Zhi said, "But if that's the case, one hundred thousand is two thousand, one million is twenty thousand, then won't the bank be losing money all the time?"

“So, they will definitely be happy to save money.”

Li Chengqian said: "As for the loss, we have to start with borrowing."

"Private lending is rampant, people's blood is sucked and heads are eaten, and families are broken up and people are killed."

"Banks want to suppress the momentum of private lending, and the interest rates they charge are not high, as long as they are higher than the savings interest rate."

"Sanlang, you have to remember this."

"Banks also need to suppress private lending, leaving them with no soil for survival. This is to save thousands of households."

Li Ke couldn't help but say: "Brother, you only allow banks to exchange silver dollars now. Are you worried about the counterattack of private lending forces?"

"What do you think?"

Li Chengqian asked back.

Private lending is supported by many wealthy and powerful families.

They are one of the main culprits.

Another culprit was the imperial court. The Tang Dynasty court was also engaged in lending and even set up an official position called the Money Catcher.

Specializing in lending.

They even say in a high-sounding way that it is "for public use".

It means that the money earned from lending out will be used by the government for public purposes.

In this lack of supervision, local governments were allowed to borrow money to raise funds for public use.

How wild and crazy do you think it is?

It’s hard to imagine how powerful this force is.

Therefore, Li Chengqian could only do it quietly, step by step, and wait until the time was right before launching bank loans.

This will abolish official lending activities and crack down on barbaric and cruel private lending.

Li Ke suddenly felt like Alexander, and the pressure coming at him made him feel a little suffocated.

This is a hot potato.

He smiled bitterly in his heart. The job was good, but one must be physically strong enough to handle it.

"For now, only the three of us know about this matter. Don't let anyone else hear about it."

Li Chengqian gave a serious explanation, and the two responded immediately.

Seeing that the atmosphere was a bit solemn, Li Chengqian smiled and said, "Sanlang, don't be too stressed."

"The bank is a fledgling company now and its status is not prominent, but in the future, its status will be equal to that of the six ministries."

He patted Li Ke on the shoulder and said, "From now on, you, the bank president, will be like the six ministers."

"A high position of power."

It's a pressure-resistant situation.

We must give people corresponding benefits.

The bank is equivalent to the six ministries, so that it has enough strength to gain a firm foothold.

Li Ke lowered his head and smiled, saying: "Brother, I don't doubt it, but I have a question in mind. If the status of the bank is high, isn't it just right for the local government officials to transfer the money-catching officers to work in the bank?"

"This will also help appease them and will reduce a lot of resistance."

Li Chengqian said: "It's great that you thought of this. When doing things, you should make more friends and fewer enemies."

"We should win over those who can be won over, and those who cannot be won over should be kept neutral at best. If that is not possible, they are our enemies."

"The enemy needs to be hit hard."

The two of them were taught: "Thank you for your teachings, brother!"

"One more thing."

Li Chengqian said playfully, "Do you think that what you just said is the only reason behind seafood?"

Ok?
The two were very puzzled, their eyes filled with confusion.

"Is there anything else?"

"Ah!"

Li Chengqian chuckled and said, "You guys still have a narrow vision."

"The wealth on the sea is inexhaustible. When Tang ships are able to sail far, the prestige of our Tang will spread far and wide."

"Everything belongs to the Tang Dynasty."

"Don't limit yourself to the Central Plains and the Nine Provinces. Look to the sea and the unknown world."

(End of this chapter)