Datang: Let you supervise the country and become an emperor through the ages

Chapter 302 Your Majesty is Wise
As the Chancellor of the Tang Dynasty, Fang Xuanling and Xiao Yu could see through the current ills of the bank at a glance.

Li Shimin knew that if he didn't solve this problem well, it might be difficult to get the support of Fang Xuanling and others.

"What Xuanling said is very reasonable. Since I decided to build this bank, I naturally thought of this question."

"Letting merchants deposit money into the bank is nothing more than a promise of profit. As long as they see the benefits, they will naturally deposit their money in the bank."

Fang Xuanling and Xiao Yu were stunned for a moment, and almost in unison, they blurted out and asked: "Your Majesty's interests refer to..."

"Xuanling, Shiwen, let me ask you!" Li Shimin said with a faint smile, "Take merchants as an example. They go from Chang'an to Beidi to do business, and they carry one hundred thousand pieces of goods with them. Wanguan payment."

"Assuming you are this merchant, you should be very clear about the problems you are about to face, how to transport so much money home, whether to go by land or both, how to designate this route, what to do if you encounter bandits, or lost..."

With a few simple words from Li Shimin, Fang Xuanling and Xiao Yu's complexions have changed, and this is what Li Shimin wanted.

"But if you deposit money into my Datang Bank, and the bank gives you a banknote of the same amount, you only need to bring the banknote, pack lightly, return home, and then take the banknote from your local bank , exchange the banknotes for money."

When Li Shimin said this, he paused deliberately and asked Xiao Yu and Fang Xuanling meaningfully, "Which method do you think is more convenient?"

Fang Xuanling and Xiao Yu seemed to understand something, but Xiao Yu couldn't help but said: "But has your Majesty ever thought about it, so once the bank is established, regardless of how many people the bank needs to support, I'm afraid the court will still be in danger if it is established. It will cost a lot to raise the bank!"

"Yes, in this way, the gain outweighs the loss, not worth it!" Fang Xuanling also seemed to have fallen into the same vicious circle as Xiao Yu, and what he said made Li Shimin dumbfounded.

"The bank doesn't make money, so what's the use of opening it? I set the rules. If I can still lose money, why should I talk to you about the present?" Li Shimin was speechless.

"Aside from other things, if I opened the bank just to provide convenience for these merchants, wouldn't there be any charges?" Li Shimin snapped his fingers to Fang Xuanling and Xiao Yu's calculations, "The merchants are exempted from the cost of hiring escorts. The cost of hiring a car and a boat."

"Even less than the cost of building the treasury, plus the time wasted by people eating horses and chewing horses on the road, I charge a little storage fee, but it's not excessive. Don't you know how to calculate such an account?"

"Furthermore, for such a long journey from Beidi to Chang'an, it will take a month or two just by walking. In these two months, I will take out the money to lend and collect the interest. Isn't it money?"

"And if the common people can deposit their spare money in the bank, the money in the Tang bank will never be used up. It will not be easy for me to do what I want to do!"

"No, that's not right!" Fang Xuanling's eyes widened, as if he had discovered something serious, "Your Majesty has said about the benefits of the bank, but if the bank's management is not good, there is a run on the bank or the money is stolen, then..."

"Then the world will be in chaos, so I will never allow that to happen!" Li Shimin said this with murderous intent, "I established the bank just to seek benefits for the country. Whoever dares to take advantage of it will be destroyed by me." Kill his nine tribes!"

"And I won't let any Tang people participate in the management of the bank, especially the children of the aristocratic family. Those who can work in the bank must be merchants among the people of the country that my Tang Dynasty has just conquered!"

"Ah..." Fang Xuanling opened his mouth wide, and could no longer utter any objection, because Li Shimin had already plugged the last loophole. The reason why such people are used to manage the bank is because these people can kill at will, and One kill is the whole clan!

"So, when the money bank is really established, everyone in the Tang Dynasty can no longer use copper coins, but can directly use silver notes..."

"You can still use gold tickets!" Fang Xuanling no longer objected at this time, but directly added to Li Shimin's words, "Gold is more valuable than silver, and most of the gold comes from aristocratic families."

"If His Majesty's bank formulates the rules, the gold will be owned by the bank at that time, and those aristocratic families can only hold gold and silver tickets. Once something happens to them..."

When Fang Xuanling said this, he deliberately kept his mouth shut, while Changsun Wuji and Xiao Yu were horrified and speechless.

Li Shimin's eyes were full of light, "Xuanling's strategy is more subtle, so that more wealth can be gathered in the bank, and no matter how many straight roads are needed, this money can be used to complete it! "

"That's right." Fang Xuanling bowed to Li Shimin to the end, "Your Majesty is wise, so we can still use the wealth of the bank to do business, and even use it as military expenses to carry out conquests in all directions. All the proceeds, except expenses, will be returned to you." owned by the state treasury."

"In this way, the existence of the bank can make my Tang treasury more abundant, and the operation of the bank can be more stable!" Xiao Yu finally realized at this time.

The eyes of the three top officials of the Tang Dynasty were full of excitement after they understood Li Shimin's bank theory.

At this moment, they fully believe that as long as the bank's affairs are done well, not only can Datang become richer and stronger, but it can also curb the development of the aristocratic family.

After all, in the current Tang Dynasty, the aristocratic family has almost monopolized nearly [-]% of the wealth of the entire empire, which is a terrifying figure.

Therefore, Li Shimin has always been afraid of the aristocratic family, and the fundamental reason why he wants to suppress the aristocratic family lies in this, but he has never found a suitable way to curb the development of the aristocratic family, on the contrary, it is getting worse.

But now it is different. With the existence of Qianzhuang, this problem can be solved perfectly.

Once the Datang Bank comes out, it will fundamentally disintegrate the financial order established by the family for thousands of years, thereby dissipating the huge wealth accumulated by the family.

"Your Majesty is wise, I can't wait!" Fang Xuanling, Xiao Yu, and Changsun Wuji completely admired him this time.

For so many years, they have never been able to help Li Shimin solve the problem, but they did not expect to be solved by Li Shimin himself!
Li Shimin couldn't say how happy he was seeing his proudest subject willingly kneel down and bow down to him.

Although Li Fu came up with the idea, it was his credit for what he said. As for Li Fu, Li Shimin had other arrangements to compensate him!
(End of this chapter)