Straight man of steel

Chapter 419 Good money drives out bad money

Wuyan's investment in Emperor Xiaojing earned ten times the income, and now there is no war in the Han Dynasty.

Liu Che was not the kind of emperor who would borrow money from Ziqian's family if he had no money in the war, so these merchants who released Ziqian greatly lowered the loan interest rate.

Those who are honest give five and one, and those who are greedy give three and one.

And Wuyan happened to take the balance value in the middle, and they gave four benefits and one benefit.

The annual interest rate on the loan is as high as 20.00%.

Although Zhang Yuan is not happy with these usurers, he knows the truth that wicked people need to be tortured by wicked people.

After Liu Che's foundation is deep in the future, people will become shameless.

Property tax collection started from Liu Che.

The richer people need to pay more taxes, and sooner or later the money earned by these merchants will be spit out.

No one in the world can match Sang Hongyang for making money.

As a pioneering dynasty, Liu Che did many unprecedented things during his reign.

The real state-owned enterprises also started from this time.

The collection of property income tax also starts from the time of qualifying.

In the end, fortune telling will give a heavy blow to all businessmen in the world.

A [-]% income tax is levied, and the subsequent prosecution, that is, the law to report the property of others, is very similar to the peasants who want to kill the landlord Lao Cai.

The things done in the middle of a dynasty are not too different from the things done in the early days of a certain dynasty.

The final result, of course, is that social wealth is forced to zero, the middle class goes bankrupt collectively, and people's desire to make money is greatly reduced, because all the money they earn will be taken away by the government.

As for the national treasury, of course the pots are full.

These are nothing, if the economy wants to develop, it must be circulated first.

Sang Hongyang finally reached out to the circulation field in order to collect money for Liu Che.

In just a few decades, Sang Hongyang helped Liu Che block all the outlets for private capital and all the outlets for industrialists and businessmen to get rich.

Imperial Conquest became the largest, if not the only banker, entrepreneur, and wholesaler.

According to Zhang Yuan, this may be the time when China is closest to an ideal society. Capitalism is all killed, and the country becomes the largest capitalist or the only one.

Sooner or later, Wuyan's loan lenders will end up in a dead end, even if they have the royal support behind them, they will not carry it through.

Sooner or later, Liu Che will understand that by using the power in his hands to run a business, all the wealth in the world will continuously flow into his pocket.

What Zhang Yuan wants to do right now is actually to confront Liu Che and the government.

If Wu Yan helped Zhang Yuan first promote the five-baht coin, then the people would regain confidence in the market and the economy, and the currency would regain credibility.

There is a great possibility that the taxation of the big man is enough to deal with the huge war expenditure.

When Dahan's finances are no longer negative and can reach a balance of payments and even have a surplus for Liu Che to squander, it is very likely that the subsequent destruction of business will not occur.

Zhang Yuan doesn't like capital, but it's not that he doesn't like business.

For a country to flourish, its economic activities must be healthy.

The market has its own rules, and the country can be the embodiment of credibility, but when the country ends up wrestling with businessmen, it is an unhealthy phenomenon.

The state can regulate, but it cannot end in person.

If this is really done, it is an act of dimensionality reduction strike.

The purpose of regulation is to avoid monopoly enterprises in the market. Once a certain industry or many industries are monopolized by one enterprise, the victims will definitely be consumers, that is, ordinary people.

Both capitalists and the country may benefit or suffer damage, but no matter which party suffers, it will eventually be passed on to ordinary people.

Therefore, stable development is the most important thing. People who want to return profits to ordinary people and believe them basically have brain problems.

Ordinary people have already made a lot of money without losing money. It is impossible to live a good life through a capitalist or a country, and they can only rely on their own efforts.

Zhang Yuan was well aware of this, so he didn't shy away from choosing Wuyan's to promote five baht coins.

Early the next morning, Zhang Yuan woke up from Zhuo Wenjun's arms, and did not go to Qingpingfang to see how the business was going.

You don't need to guess to know that people around Chang'an know that the price of paper will drop, and they will inevitably flock to it.

One-twentieth of the price is enough to tempt the rich in Maoling Town and Changling Town, and they don't need to come to Chang'an City themselves.

They just need to send their servants over.

It's just selling paper, and if no one is going to exchange coins, there is no need to look at that piece of paper.

So after Zhang Yuan confessed to Lao Zhao a few times, he planned to go to Wuyan's mansion in Chang'an City alone.

Beique Jiadi is naturally a place where nobles gather.

But to the east of Dongshi is the civilian residence of Chang'an City.

The reason why Dongshi is called Dongshi is not because it is located in the east of Chang'an City, but because it is in the east of Xishi.

Even though the Wuyan family invested in him when the merchants and nobles all over the country thought that Emperor Han Jing would not win, they still did not obtain a high title.

Emperor Han Jing was also very open-minded about this point. He gave Wuyan a piece of money, even if he was grateful in his heart, he did not break the rules and let a merchant be among the ranks of nobles.

Zhang Yuan has not been to the northeast corner of Chang'an City yet.

After asking passers-by on the road, he learned that Wuyan's mansion was the largest building here, and Zhang Yuan found it easily.

As Ziqian's family, in order to show their strength, the lintel of Wuyan's family looks resplendent.

As for Wuyan's lending shops in various places, there is actually one of the biggest uses that has not been discovered.

These lenders can completely set up the original bank.

The shops below them all store a large amount of money. If the function of storage and withdrawal can be activated, there will be a rudimentary appearance of a bank.

The biggest problem is the issue of credibility, why should the public trust these loan sharks.

It is also impossible for Liu Che to endorse the money family. Zhang Yuan briefly thought about it, then shook his head to let this now seem absurd thought go away.

After taking a breath, Zhang Yuan walked towards Wuyan's mansion.

Taking a deep breath does not mean that Zhang Yuan is nervous, but that he is worried about the possible troubles that may arise later.

There is no businessman who does not love money and is not motivated by profit. It is really difficult for the Wuyan clan to promote five baht coins for Zhang Yuan.

"Stop those who come, this is the mansion of the Wuyan family.

If you want to borrow money, there is Wuyan's store in West Market. "

Even if there are no warriors guarding the door of a merchant's house, a few servants can still watch the door.

"This Marquis is not here to borrow money. Go in and tell your Patriarch that Xin'an Hou wants to see him."

"You are the Marquis of Xin'an?"

"Under the Son of Heaven, this Marquis will still tease you as a servant?"

"The villain will pass on the transmission, please wait for a while."

The servants at the door did not dare to let Zhang Yuan wait at the door, and immediately welcomed him in.

The passer-by servant quickly ran inside in three steps and two steps.

Zhang Yuan didn't look like he was begging for help.

It is already a great honor for Liehou of the Han Dynasty to visit a merchant in person.

The business can be done as soon as it can be done, if it can't be done, then Wuyan will completely offend Zhang Yuan.

Now even if there is any disrespect in the presence of the Huang family in the middle of Shu in front of Zhang Yuan, Zhang Yuan can easily kill the Huang family.

For Liu Che, if the Huang family is gone, the Lin family can be replaced. If the Wuyan family is gone, Qilu will still have the Bing family.

And the dignity of the princes cannot be lost. Can more than 200 princes of the ranks watch Zhang Yuan being bullied by a merchant?

It must be impossible, and this kind of thing cannot be started.

Liehou can target each other because everyone is in the same class.

It's like a certain capitalist who donated a lot of money to Harvard, but didn't donate a penny to the grassroots education in the country that needs the money the most.

The rich will only help the rich, but it does not prevent them from competing with each other.

Zhang Yuan didn't wait long.

A middle-aged man walked over quickly with a panicked face, followed by the servant who just went in to communicate.

"It's really a crime for the villain to keep Xin'an Hou waiting for a long time."

The middle-aged man walked over quickly and gave Zhang Yuan a ninety-degree bow, and Zhang Yuan didn't dare to stand up straight without opening his mouth.

"Get up, the Marquis didn't wait too long."

"Yes, Lord Hou please, I have prepared some snacks and drinks inside."

Zhang Yuan nodded slightly, and strode inside.

No matter how luxurious Wuyan's mansion is, it cannot be more luxurious than Zhang Yuan's Marquis Mansion.

A charge of trespass, Wuyan could not bear it.

That is to say, the gate should be grander, but the inside is actually very low-key.

In just a short while, the people from the Wuyan family have already prepared the front hall with things for guests.

With such execution ability and vision, he deserves to be able to make money.

Zhang Yuan didn't even ask the middle-aged man's name, and directly sat on the top chief seat.

If Wuyan was an official, even if Zhang Yuan's title was higher than him, Zhang Yuan would not sit on the throne.

But the Wuyan clan is not a family of officials. Zhang Yuan sitting in the second position will only make them think that Zhang Yuan is looking for trouble.

"Master Hou, what is the purpose of your visit to the villain's mansion today?"

The middle-aged man asked Zhang Yuan with a flattering smile.

"Of course I have something to do when I come here, but I am not in a hurry.

Haven't asked your name yet. "

"The villain's name is Wuyan Lang, and he is the current Patriarch of the Wuyan Clan."

"Oh, I'm so disrespectful and disrespectful, it turns out to be the owner of Wuyan Patriarch."

Zhang Yuan was polite, and began to eat the fruits and desserts on the case table.

The less he spoke, the more uneasy Wu Yanlang felt.

Wuyanlang tried to interrupt Zhang Yuan's eating many times, but he couldn't get the words out of his mouth.

In the early morning, Zhang Yuan acted as if he hadn't eaten breakfast.

Although Zhang Yuan has been eating, his eyes are always on Wuyan Lang.

Seeing that sweat was dripping from his forehead, Zhang Yuan clapped his hands and stopped eating.

"Wuyan's business is not only doing well, but the desserts in the house are also doing well."

"If Lord Hou likes it, I will send the dessert chef to Xin'an Hou Mansion later."

"Patriarch Wuyan is an open-minded person, but a gentleman doesn't take what others like. If I think of this in the future, I'll just come and bother me."

When Wu Yanlang heard that Zhang Yuan still wanted to come, he was so anxious that he crawled on top of the hot pot with ants.

Officials don't want to get involved with merchants, and merchants don't want to deal with officials every day.

Close to the government, stay away from politics.

That's the way of doing business.

"If the Marquis can still come to the house, I will do my best to entertain the Marquis."

Zhang Yuan glanced at Wuyanlang with a smile, knowing that although he was controlling him to death, he was not involved in the interest after all.

"Okay, let's get down to business.

Benhou came this time to ask for something from you. "

This sentence is what Wuyanlang is most afraid of. Zhang Yuan is not the only one who wants to come to Wuyan's to play the autumn wind.

But the others knew that the royal family was behind the Wuyan clan, so they would retreat on their own.

However, there are still new nobles who do not understand the distribution of interests and come to them again and again.

Zhang Yuan is now in Wuyan Lang's heart the kind of person who wants to play the autumn wind.

"Master Hou, the villain's business doesn't make much money.

Most of the tributes have been paid to the big man, and I ask Hou Ye to be considerate of the villain. "

"Don't worry, this Marquis has more money, not much worse than your Wuyan family.

I'm not here to ask for money this time, I just need a small favor from you. "

Knowing that Zhang Yuan didn't come to ask for money, Wu Yanlang felt relieved instantly.

"Master Hou, please tell me, as long as the villain can do it, he will definitely do his best for Master Hou."

"What kind of copper coins do you usually use for lending money?"

Wuyanlang's heart that had just relaxed suddenly became tense.

He began to worry that Zhang Yuan wanted to start his own money business. Although he was worried, Wu Yanlang still spoke honestly.

"Naturally, it's half a tael, and some gold will be put out if there is something to do.

As for taking it back, it is still half a tael, and our Wuyan Sect will never use privately minted copper coins. "

You don't need to privately mint copper coins, so what should I do?
Zhang Yuan's heart also sank.

Is it necessary to go to Liu Che to ask for an edict before the five baht money can be promoted.

"You know His Majesty has always had a headache about copper coins.

Ben Hou wanted to relieve His Majesty's worries, so he made a new copper coin.

The workmanship is exquisite, and it weighs five baht, which is better than the copper coins circulating in the market.

If private minters want to privately mint five baht coins, Benhou can guarantee that they will not even get back the capital.

But it is difficult to implement it now. I don’t know if you can exchange all the copper coins of your family into five baht coins.

From now on, you will only lend five baht in lending money, and you will only charge five baht in money. "

The method of promoting five baht money is indeed only usury is the most suitable choice, in the current situation.

The loan interest rate set by No Salt is 20.00% per annum.

When those borrowers need to repay the money, the extra 20.00% five also needs five baht.

In this way, no matter how much five baht money Wuyan released within a year, Zhang Yuan's five baht money exchange counter would have to be exchanged for at least 20.00% of the five baht money in the next year.

Moreover, the purpose of borrowing money is to spend it, and it is very likely that those who borrow money do not have a five baht coin in their hands.

Then you can only come to Qingpingfang to exchange, so the ratio is likely to far exceed 20.00%.

Zhang Yuanxin's ratio is above 50.00%.

As for how much money Wuyan can release in a year, Zhang Yuan feels that this figure must be more than [-] million.

Assuming that Wuyan only released 5000 million yuan, then [-] million yuan will flow out from Zhang Yuan's side.

The person who borrows money on the last day of the year will pay it back on the last day of the next year.

Every year for two years, Wuyan released 5000 million yuan, plus the [-] million yuan that Zhang Yuan left.

Then within two years, 5000 million copper coins will flow out of Zhang Yuan's hands.

The role of these 5000 million copper coins is not just for lending and repayment.

Once it circulates in the market, the public will slowly accept such a five-baht coin that is exquisite in workmanship, heavy in weight and difficult to imitate.

It's okay for the people who don't have much money, those nobles will definitely try to exchange all the copper coins stored in their homes into five baht coins.

This is Zhang Yuan's complete plan, let Wuyan's help promote the circulation of five baht coins in the market.

This is how good money drives out bad money.

A big man should not be an economic appearance in which bad money drives out good money.

(End of this chapter)