Datang Lingnan King

Chapter 308

"Sure! Let the scientific research institute train manpower, go to Yanzhou to set up a workshop, and send an order to all states and counties to pay attention to whether they have stone paint." Li Shimin nodded and ordered.

People with a little military knowledge know very well about Menghuoyou, and of course they all agree to control oil fields.

"Father, gentlemen, here are some opinions and samples about gold coins and silver coins." Feng Daiwen took out the materials and samples he had prepared and handed them to everyone.

It is no longer appropriate to call the three provinces and six ministries this way. Not only are there more personnel, but there are many more departments, and the responsibilities are also more detailed.

Today is just a meeting, and the head of Datang was called by Li Shimin, a dozen people, and a group of secretaries.

Since the reform of the secretary supervision system, more than 100 people have been active around the leaders of the major departments of Datang. Whether they are the left and right servants or the chief officials of the three provinces, they are full of praise for this system. They think that it not only saves time and effort, but also can cultivate talents. .

After all, it is also a good thing to have a few assistants to help with chores. Daily office, various orders, and documents are delivered by someone, and you can spend every day easily without going out.

Now Tang officials, especially civil servants, just need to see whether they have a secretary or not to judge whether they are valued or not. The number of them is known, at least one, and three at most.

"May I ask Wei Guo, you are here to mention the state-owned banks, and the interest on loans is too low. Others don't charge storage fees for saving money, and there is interest. How to ensure profits in the process." Fang Xuanling, who is in charge of business, saw that everyone had seen it. After eating, he asked Feng Daiwen who was slowly sipping tea.

"People or businessmen deposit money in the bank, naturally they need to pay interest, otherwise why would they be willing to deposit it, and the difference in the price difference between the people and the people is the interest point." Feng Daiwen explained.

"Since the bank belongs to the imperial court, if the imperial court misappropriates funds in the future, wouldn't it easily lead to chaos." Wei Zheng asked.

"So here is one point, any reception must have a corresponding mortgage, and it must not exceed [-]% of the total value of the item.

The opening of a bank naturally requires the court to deposit a large amount of gold and silver as a guarantee. If the court needs to embezzle it in the future, it must not exceed the deposit in the bank. "Feng Daiwen came here to explain to them today, so he naturally did his homework.

"Isn't it true that I can't use it?" Although Li Shimin likes his own profile picture on the gold coin, he really doesn't understand whether it is appropriate for the bank to operate like this.

"It is true that the establishment of a bank must be an independent department, subject to the supervision and regulation of the imperial court, but no matter who is allowed to misappropriate it, everything is to regulate the economy and facilitate the people.

Joining the Datang Bank and opening it in other countries can easily make other countries poor and cause turmoil. "Feng Daiwen continued to explain.

Li Shimin rejects things that he can't control, but he thinks it's worth a try when he hears the effect.

"How to use it to regulate the economy?" Fang Xuanling asked again.

"The function of the bank, for example, a businessman deposits money in Chang'an, and only needs a certificate to withdraw it from a bank in any other place, which is not only convenient but also safe.

The most basic point of regulating the economy is that when businessmen disrupt the market, they can forcibly intervene, relying on their strong strength to control the local area, and it can also make it easier for local small businessmen to borrow money and tide over difficulties.

According to the investigation by the subordinate officials, the money from the public house has caused countless people to suffer unspeakably, and there are even many nobles and wealthy businessmen who lend money privately, causing many families to be destroyed. " Feng Daiwen frowned and explained.

In the first year of Wude, the salary system for civil and military officials was established, and the capital of the public office was set up. It was operated by the order and history of each state. The interest is paid monthly by person, called "monthly money". (This is official lending.)
The people present here naturally know about the public money. After all, the people here are all profiteers, so although what Feng Daiwen said is reasonable, there are too many entanglements in it, and it was set up by Li Yuan, so many people don't know How to speak.

"Ahem! Setting up the capital of the public office is actually a good thing. It's just that there are many small officials who pretend to be public servants and force lending, which makes the people slightly dissatisfied." Changsun Wuji pretended to cough and defended.

"Hehe! Ask Zhao Guogong to double the interest in one year, how many businessmen can do this, and how many businesses can make such a profit; and the Tang Dynasty is changing with each passing day, so the unreasonable things should naturally be changed, and at the same time, it can also attack private interests. Loan lending is a great thing both now and in the long run." Feng Daiwen chuckled and asked Changsun Wuji back.

"Wei Guo's words are justified. Now the imperial court does not lack officials' salaries. I will tell the Supreme Emperor about the capital of the public house, and then cancel it." Li Shimin saw that the elder Sun Wuji was speechless, and it was difficult to refute, so he immediately spoke out to relieve the siege.

"Father is wise! Datang's business is developing steadily. At this time, as long as you support it strongly, you will naturally get rich profits. Lending money is just killing the chicken to get the eggs, and it will do no harm to the court." Feng Daiwen immediately complimented.

"My Emperor Shengming!"

Someone took the lead, and Li Shimin himself said the cancellation. Whether it was sincere or false, everyone was more flattering.

"In the four years of Zhenguan, the commercial tax revenue totaled 450 million guan, and it is still increasing every year, which is enough to cover all expenses. The minister also believes that the capital of the public office can be cancelled.

At present, there are thousands of various workshops in Chang'an, Luoyang, Shuofang, Liaoxi, Jiangnan, Shuzhong, Nanyang, Lingnan and other places, and they are spreading all over the country. It can be expected that the tax revenue will increase greatly.

However, when merchants come and go, gold and silver are easy to lose on the way. Second, large-scale transactions require a lot of gold and silver, and transportation is very troublesome. The ministers seconded the establishment of a bank to facilitate the exchange of gold and silver. Merchants can directly complete transactions in the bank, and it is also convenient for taxation. . "Fang Xuanling read Feng Daiwen's plan several times, and thought about it for a long time. At this time, he stood up and listed a few benefits to strongly support.

"The old minister seconded the proposal! Although the capital of the public house can generate benefits, the impact is not good after all. Banks borrow money, and the interest is low, but there is always income, and it can vigorously crack down on private lending.

If it is possible to lend money to the common people, it can also help many people in difficulty to overcome difficulties, and there are countless people alive. "Xiao Yu also stood up and supported.

Generally, private lending is mainly concentrated on landlords and aristocratic families, because they are deeply rooted in the local area, so they have the capital to lend to the local people.

Of course, there were still many temples and Taoist temples doing the same thing, but they were cleaned up and basically eliminated.

As for the new Xungui, after all, the time is not long, the family is not rich, and even if the loan is not much, so even if it is cancelled, it will not have much impact on them. Of course, they agree with it.

(End of this chapter)