Prosperous Tang Blood Blade

When Chen Ying said this, Li Yuan frowned and woke up suddenly.Li Yuan has already realized that Chen Ying will definitely have nothing good to say next.

Sure enough, Chen Ying said angrily: "Your Majesty, you are not cultivating Chi Dao, you are the life of an important minister. Although 50 guan is a lot, it is far from enough to build such a Chi Dao. Some money, but compared to the cost of building the Chi Road, it is not even a drop in the bucket. Even if I sell myself, I can't afford to build this Chi Road..."

Li Yuan glanced at Chen Ying, then at Pei Ji beside him who couldn't help laughing, Pei closed his mouth subconsciously.Li Yuan's face suddenly changed, and he shouted sharply: "You are not joking, I have opened my golden mouth, how can I take it back, let me break the trust of the world, can you take this responsibility?"

Chen Ying pretended to be blushing and bowed his head in silence.

Li Yuan enjoyed this feeling very much. Chen Ying was like a sharp sword, it was nothing to quell the chaos in the surrounding area. He defeated the Turks four times in a row and quelled the Hedong chaos with his own strength. This made Li Yuan have to be cautious. He himself is not a magnanimous person, seeing Chen Ying holding back, Li Yuan was very happy.

Li Yuan knew that even if the Hou Mochen family devoted all their efforts, they might not be able to build such a path.However, Li Yuan really didn't want to let Chen Ying go for no reason. Li Yuan put his hands behind his back, looked sideways at Chen Ying, and said in a blunt tone: "I seem to remember that Xiu Chi Dao was volunteered by you and recommended yourself. Why, you want to renege on your promise and lose weight?" ?”

"I dare not, but I am afraid that I will fail His Majesty's expectations."

Li Yuan's expression softened a little, and he reluctantly said: "In this case, for Ling Zu's sake, I will talk to you."

Chen Ying couldn't help but smile, it seemed that he was shooting himself in the foot this time.It's not that he didn't want to build this Chidao, but he just asked Li Yuan to agree to build a bank. He used the initial capital of 50 yuan to build the bank first, and then used the bank's overdraft function to build the Chidao system of Datang with limited overdraft.

Li Yuan put his hands behind his back and said, "Young people, don't think that after a few battles, you will look down on everything and underestimate the heroes of the world."

Chen Ying repeatedly nodded in agreement, and Li Yuan told Chen Ying about his plan to cross Hexi secretly, and then told Chen Ying. "Although you are smart, but the pattern in your heart is really small."What you see is Chi Dao, but what I see is the world. " Li Yuan paused, then smiled and said: "Don't worry, this Chidao is just for show. I will allocate 5 people. Repair it, as long as you can confuse Wang Shichong and stabilize Li Gui, you are a great achievement. "

When Chen Ying heard that Li Yuan really wanted to put on a show, he was very anxious.If you don't repair Chidao, whose money will I earn?Of course, Chen Ying didn't think about filling his own pockets, but by using legal means to build a smooth road, he could earn [-] to [-] guan.And it is guaranteed that no one can say anything.But if Li Yuan gave up on this idea, he would be the one who would suffer the most.

Chen Ying got up, and Li Yuan's eyes were fixed.

Without looking at Li Yuan's sharp gaze, Chen Ying walked to the table inside the main hall, looked at the wine on the table, poured a glass, and served it to Li Yuan.

Li Yuan reached out to take the wine glass, raised his eyebrows: "How about it, you didn't think of this plan, did you?"

"I'm not as good as Your Majesty!"

Thousands of wears and thousands of wears, only flattery does not wear.Chen Ying offered a flattery in time, and Li Yuan's eyebrows immediately relaxed.

Chen Ying thought for a while and said: "I want to build a bank. Use this money to build a big bank!"

Upon hearing this, Li Yuan put down his wine glass and said expressionlessly, "Do you want to lend money?"

Chen Ying shook his head and said: "Lending money is only one function of the bank, and the biggest function of the bank is to connect the world."

"Connect the world?"

Li Yuan became puzzled, and Pei Ji smiled leisurely: "Huangkou Lizi, can you only talk nonsense?"

Li Yuan's eyes were about to close together, and he asked word by word: "What is Huitong Tianxia?"

"Let's use the simplest analogy. In the future, Datang will unify the world. If we have [-] troops stationed in Guangzhou, isn't that much?"

Li Yuan thought for a while, then nodded and said: "Thirty thousand troops can barely deter Jiao Guangxiao's little minister."

"According to the military system of our Tang Dynasty, a 39-strong army needs at least 15 Zhechong Mansions and 32 regiments, of which 50 Yueqi regiments, 200 cavalry, and the rest are infantry. Each horse consumes food Three stones and three buckets, one year is 960 stones and six buckets, and the contract is 15 stones. Each soldier has three liters of solar eclipse and nine buckets of lunar eclipse. After one year, it is ten stones and eight buckets, and [-] soldiers are [-]. Qianshi, if we transport [-] shi of grain from Chang’an to Guangzhou, I’m afraid three or four shi of grain will not be able to transport a single shi. In Chang’an, we need to prepare at least [-] million shi of grain, which may be barely enough. In addition to grain, we also need sauce and vegetables , salt, and military uniforms, not including weapons and armor, but only material consumption, a soldier costs about [-] yuan, and a war horse needs [-] yuan, which is about [-] yuan."

Pei Ji, who was beside Chen Yingchong, cupped his hands and said, "Pei Xiang has also been in charge of the Ministry of Civil Affairs, so he knows how much 15 coins weigh, right?"

Pei Ji nodded.

Chen Ying went on to say: "If the army's supplies are handed over to the local government, it doesn't matter whether the local government has the ability to bear the expenditure of the [-] troops. It is a very big problem for the army to be out of the imperial court's control!"

Chen Ying's words immediately touched Li Yuan's heart. In Li Yuan's national policy, the weak branches are strong. The main force of the Tang Dynasty is actually the sixteen guards, each guard has an army, 1 people , add up to less than 500 horses.Of course, at this time, most of the Sixteen Guards are missing.

When Chen Ying originally had thousands of soldiers and horses, Li Yuan was not worried.But when Chen Ying's trilogy Lingwu Zuojun, Lingwu Youjun and Shuozhou Army had a total of 6 or [-] troops, Li Yuan had to be afraid.At this time, the left and right armies of Lingwu were split up by Li Yuan and incorporated into the sixteen guards in the form of Yue cavalry regiments. As for the Dingyuan army, they did not move because they had to undertake the combat mission of defending the Eastern Turks.

The Shuozhou Army was reorganized by Li Yuan into the Hedong, Bingzhou Army, and Youwuwei Army. They were worried that the branches would be strong and the poles weak, and the balance would be broken.

However, the examples cited by Chen Ying are real problems that cannot be avoided.Transporting 200 million shi of grain up, not counting the consumption of civilians, the grain consumption on the light road is as high as more than 150 million shi. Even if the transportation cost is 15 guan, which is equivalent to more than 70 catties, this is also an arduous task.

If you use ordinary carriages, you need at least two or three hundred.The transportation cost is not low. Of course, the most important thing is that money touches people's hearts. Where such a large sum of money is placed, there must be many people who take risks along the way for more than three thousand miles.

Pei Ji asked, "What does this have to do with the bank?"

The question Pei Ji asked was actually the question Li Yuan wanted to ask.

Chen Ying said solemnly: "Of course it has something to do with it. If you deposit 15 guan in the bank, you can issue me a receipt. I will take this receipt and travel to Guangzhou with ease. Do you think it is convenient to withdraw the 15 guan from the bank in Guangzhou with the note issued by Tokyo?"

Chapter 35 The weapon of robbery

Chapter 35 The weapon of robbery

Li Yuan seemed to have some understanding, but suddenly he felt a little worried: "If the money is put in the bank, if there is a rebellion in that place, as long as the bank is captured, won't there be no shortage of money and food?"

Chen Ying explained: "Your Majesty, it is impossible for this bank to put so much money in Guangzhou. There will definitely be merchants from Guangzhou who will come to Chang'an to buy goods. It is not convenient for them to bring money. It is not convenient for them to take the proof until they come to Chang'an to pick up the goods." Isn't it more convenient?"

Pei Ji's eyes became brighter the more he listened, but he still didn't fully understand, so he asked suspiciously: "Isn't this going to require more officials? A bank in a state needs at least one chief official, two false assistants, and a dozen juniors. Officials, the Tang Dynasty now has 79 states, wouldn’t it be necessary to add hundreds of officials, large and small?”

Li Yuan's face became more and more serious, and his gaze was fixed on Chen Ying like a sharp arrow.Looking at Chen Ying, he felt guilty: "You want to build a bank, how can you make a profit?"

"I have provided convenience to others, so there is no charge? It waived the cost of hiring a ship, hiring an escort agency, building a money bank, and removing the cost of eating horse chews. It is not too much to charge [-]% of the fee for using it." Right?" Chen Ying said with a slight smile: "What's more, it's impossible to withdraw all the money deposited in the bank at one time, and I can also take it out for lending. The businessman wants to expand the workshop, and if he lends money, he can only charge [-]% interest. What? Farmers depend on the sky for their food, and if they are rewarded by God, they can have enough food and clothing. If they encounter natural disasters, they will have to sell their houses and land. At this time, I can lend them money to buy seeds and spend their lives. Difficulties, [-]% profit is not too much, right?"

20.00% interest is naturally [-]% annual interest rate, which is [-]%. If Chen Ying dares to raise such a high interest rate in later generations, he will probably be beaten to death.However, in the Tang Dynasty, the interest rate was really low. When the aristocratic families lent loans, the interest rate was usually more than [-]%, and it was still rolling interest. [-]% annual interest plus rolling interest, relying on farming alone, basically did not repay the loan. The ability, the final end can only be sold land, the turn is a family of aristocratic tenants or shade households.

What's more, Chen Ying's goal is to use the lowest interest rate to trick the people into depositing money in the bank to earn interest.In this era, there are no wealth management products at all. Although gold and silver are small and easy to store, they are not the unit of weight. Gold and silver will oxidize, and the fineness will restrict the price of gold and silver. That is to say, farmers or small landlords save money at home. In fact, it is also consumed.

In the Ming and Qing Dynasties, silver was used as currency. During the tax collection and transshipment process of the government, fire consumption was usually collected. Not every official wanted to be a corrupt official, because the shortage of fire loss was an objective fact.

Li Yuandao: "I will give you 50 guan. If you build a bank, can you repair Chidao?"

"If your majesty asks me to fix it within two years, I will definitely not be able to do it. It will take at least three years from the establishment of the bank to the establishment of credit. In other words, this road will not exceed four years at the latest. In Wude Six years ago, I dared to use Xiang Shang's head as a guarantee, and I would definitely build the Chidao from Chang'an to Luoyang." Chen Ying vowed: "It is more than 750 miles from Chang'an to Luoyang. If you build [-] post stations along the Chidao , there are enough posthorses to transfer, and it can be completely done from morning to evening, and if there is a change in Shandong, His Majesty's army can be transported to the city of Luoyang within three days."

What Chen Ying really moved Li Yuan was not the [-]% benefits and benefits, but the fact that he could travel from Luoyang to Chang'an in the morning and in the evening.Since the founding of the Western Wei Dynasty in Chang'an, Guanzhong has gradually become the most prosperous place in the world, and because of the confrontation between the Eastern Wei Dynasty and the Western Wei Dynasty, the aristocrats of Shandong and Guanlong directly formed an incompatible situation.

Even if the Tang Dynasty established the country, this confrontational situation has not actually improved.Li Yuanji lost Taiyuan and all of Hedong. It is not so much Liu Wuzhou who was brave and good at fighting. In fact, it is better to say that the Shandong nobles were dissatisfied with Li Yuan's reuse of Kansai people and adopted silent resistance.There are more than 200 Wubao in the whole Hedong. If these Wubao did not fall in anticipation, given Liu Wu three years, he might not be able to capture the entire Hedong. However, Liu Wuzhou only took three months, from Taiyuan to Hui Liu Wuzhou did not encounter decent resistance at all.

What Li Yuan was most worried about was the recurrence of Hedong. If he could occupy the Central Plains in the future, he would not only have to garrison heavy troops in Taiyuan, but Luoyang would also have to garrison heavy troops to deal with the small parties.

Although Chen Ying told Li Yuan about the benefits of the bank, there was one fatal weakness. Once the bank (bank) established outlets in various states and counties in Datang, it established a strong reputation.In case of poor management of the bank, there will be chaos in the world, even more terrifying than military disasters.However, the Qianzhuang has another advantage, which is that it can absorb the idle funds of the aristocratic family and accelerate economic development.

Li Yuan stared straight at Chen Ying, as if he wanted to see through Chen Ying.

Chen Ying didn't dodge or evade, and looked at Li Yuan indifferently.

Chen Ying wanted to establish a bank, not only to make money, but also to use the bank to break up the relationship and avoid the emperor's compromise.The aristocratic family and the powerful, because they control the money, food, population, and talents, Li Yuan often chooses to avoid or compromise, but he doesn't have so many scruples about himself.Chen Ying is like using the bank as a sharp weapon to make Li Yuan and the court more scruples and not to do whatever they want.

"I promise you!" Li Yuan said hesitantly: "But..."

"Now I'm very sober, and Prime Minister Pei can testify that if I can't build the road from Chang'an to Luoyang within four years after setting up the bank, I'm willing to sacrifice my head!"

Li Yuan said: "You are not joking!"

Apart from a little sweat on Chen Ying's back, Chen Ying also heaved a sigh of relief when Li Yuan agreed.