Don't be a prince

How can you save trouble by directly printing out the manual in the whole process?There is a lot of chatter, and you can't explain clearly after talking for a whole day, so let's read it individually. Whether you can understand it or not is purely a test of personal IQ.

The same instructions were also sent to the emperor and others in the apse.

Holding the manual, the few of them read it intently without saying a word.Especially Li Shimin, when he looked at it, he changed from lying down to sitting up, and then to walking and watching.

He has heard about the bank more than once from the prince, and he has a better understanding of its general composition.And hearing is one thing, seeing is another.Now that there are manuals, you can see the appearance of the bank more intuitively.When the general framework was completed, Li Shimin breathed a sigh of relief.The prince is right. Such a monster is really not something that the royal family and the treasury can afford. Even if it is a family, it is just a rough framework.In order to completely build this behemoth, it requires countless energy and investment. Although the investment is not as high as the seaport in Lingnan, there is a high possibility of being in vain, but the treasury and the Ministry of Internal Affairs really can't support it. .

Like the emperor who was in a turbulent mood, Changsun Wuji and others were also shocked.At first glance, the bank is not a big deal, but after I really figured it out, I realized how terrible it is.What the prince said is right, the bank is in its nascent stage, and may be able to maintain it with the help of external forces, but after it takes shape, it must be handed over to the imperial court!It is no exaggeration to say that the person who controls the bank can even make the imperial court make concessions to a certain extent. This is impossible, even the emperor cannot directly control the bank!

Compared with the previous two, Wei Zheng was even more excited.In the past, he always thought that what the prince said about monitoring the world's commerce was nonsense, because even if he continued to expand Yushitai, it would be impossible to achieve this.After all, it is impossible for a firm to send a censor to monitor it.However, the advent of banks made surveillance feasible.With the convenience and functionality of the bank, it will undoubtedly become a sought-after item for businessmen. As long as they go through bank transactions, they cannot escape surveillance.Even if the businessman knows the result, he has to accept it, because the bank is so convenient!

Fang Xuanling let out a long sigh, and put down the instruction manual in his hand: "I am convinced, I am really convinced! With a bank, farmers without taxes will not be a fantasy, but really feasible! With a prince like His Highness, Zhenguan will succeed. Someone is there!"

It's okay to be unconvinced. When the expected thing happens in an unspeakable situation, the shock is much more than the surprise.They oppressed the prince so much during the period of supervising the country, but they wanted to train the prince so that he could grow up and become a qualified heir.Now it seems that oppression is a fart!What a fart!Thank goodness if the prince doesn't instruct them in turn!

"It's a bit early for Xuan Ling to say this. The prince is indeed smart, but most smart people make mistakes constantly. This bank seems magical, but it is just a combination of several things we understand. There is nothing magical about it. The functions of various systems seem to be clearly stipulated one by one, but in fact there are still many flaws, many of which are based on fantasy and have not been combined with reality. Xuanling, Xuancheng, Keming, you guys Remember to help the prince to optimize it again to make this manual more complete."

Fang Xuanling and others immediately handed over their hands and took orders.

Compared with the shocking monarchs and ministers, the heads of several families are almost stupid.If they can still understand the frame part, but when it comes to the data, they have a hard time reading it, but if they can't understand it, it doesn't affect their understanding. This manual is very powerful, and the bank is even more powerful!

After a full hour, the complexions of the heads of the various families improved a lot.At this time, many people felt regretful in their hearts. It would be great if this idea was thought up by their own family members!Thus....

"After reading it, I will give Gu an approval letter after reading it. Do you want to do this?"

Gu Mingyue, Wang Hao and others exchanged glances, stood up and cupped their hands at the same time and said, "I am willing to conspire with the prince!"

For these people's choices, Li Chengqian was not surprised, a fool would give up such a chance to gain something for nothing.You must know that what they need to pay is only part of the labor, part of the property and reputation as guarantees.However, it can get enough benefits in the bank.

"Since you all agreed, I'm going to talk about the share. The Royal Household Office takes [-]%, the East Palace takes [-]%, and each of your families takes [-]%. Don't underestimate this [-]%. You will know how much benefit this three-pointer can bring to your family."

Regarding the prince's arrangement, the heads of the family could only agree. It was obvious that the royal family wanted to occupy an absolute dominant position in this matter and give them such a small profit, or it was for future plans.After all, after the bank is formed, it still has to be handed over to the imperial court.

Seeing that no one was clamoring, Li Chengqian continued to add: "Every joint of the bank is very important. It is no exaggeration to say that after the establishment of the bank, the foundation is the royal family, the East Palace, and the sum of your family properties. For such a sweet thing, there will always be someone who has a wrong mind. Money touches people's hearts! The ugly words are first, if any of the responsible links makes mistakes, they will directly lose face. If any of you have a wrong mind , Gu guarantees that your family will be wiped out in an instant! This is a gamble, since you want to participate, you must be prepared to suffer the consequences, understand?"

Looking at the majestic prince, the Patriarchs suddenly felt a little bit like they were on a thief's boat.However, things have come to this point, and there is no other choice but to bite the bullet and agree.

After the alarm bells sounded, it was time to give a sweet date.So Li Chengqian left his position and personally led the heads of several families to the Chongjiao Hall.

Chapter 288 Oppression

After arranging their seats, Li Chengqian came to the apse of Mingde Hall.

Nowadays, the audiences are all holding the bank's instructions and studying hard.

"Your Highness, the old minister almost understands half of the bank's capabilities. Simply put, it is to receive the world's lending power from the bank, to control the circulation of money in a region, and to play a role in helping the exchange of money between regions. And the profit of the bank lies in the handling fees for lending and cross-regional deposits and withdrawals, right.”

Seeing Fang Xuanling clearly stated the role of the bank, Li Chengqian couldn't help but give a thumbs up.It's that simple. As for the bank's stimulus to the economy, it's all derivative.

"Okay, I almost understand that if you want to establish a bank, you can rely on the strength of these eleven families when establishing the framework, but you must beware of their tricks, Dai Zhou, since the imperial court is going to issue a decree prohibiting private lending , then relevant regulations should be formulated for banks. The regulations announced by the court are more convincing.”

Dai Zhou got up and took his orders.

Changsun Wuji also got up and cupped his hands and said: "Your Majesty, the bank will undoubtedly be handed over to the Ministry of Accounts for management in the future. I hope that some officials from the Ministry of Accounts can join the bank and start managing it from now on. do not understand anything."

This is a reasonable request, so the emperor agreed without hesitation.

The Chongjiao Hall is now occupied by the Patriarchs of Eleven Families, and the emperor was very annoyed at the loss of the opportunity to eat. He could only snort coldly at the hall before taking Fang Xuanling and others away.Today's regular court meeting has not been attended yet.

After sending the emperor away, Li Chengqian returned to the Chongjiao Hall.A banquet is naturally a feast for the guests and the host.

No matter how long the winter is, there is a time in the past. When the spring rains are continuous, a shop called a bank appears almost at the same time in Chang'an Guangde Square and Changle Square.

There are always new stores opening in Chang'an now, and everyone is used to it, but these two newly opened stores, how should I put it, are a bit too arrogant.

Other people's homes are opened directly after the land is acquired. Even if there are few architectural changes, there are very few buildings that have been bulldozed and rebuilt.But this one is different. He not only flattened the ground, but even dug several feet. The material he used was also rare cement. Huge boulders mixed with cement were just used to build a city wall. In the end, they used it to build a building.

"Qingque, the structure you designed is really good, and the anti-theft door has exceeded my brother's expectations."

When building the bank, Li Chengqian was too lazy to be a supervisor, so he simply handed over the design and construction to Li Tai, and Li Tai lived up to expectations, and the bank he built was exceptional.Especially the vault in the basement is not only anti-theft, it is estimated that if someone wants to rob it, there is nothing they can do about the heavy iron door.

As long as it is a compliment, Li Tai likes to hear it. He took a teacup and sipped tea and said, "You don't want to see who is in charge, but Brother Huang, you said that the taxes of my fief can also be transferred through the bank? Come to Chang'an? In this case, it will save a lot of labor."

After all, you are a smart person. It is indeed an extremely wasteful process to transport taxes from various places to Chang'an. If it is transferred from the bank, the labor consumed by the former is not comparable to the handling fee of the latter.

However, it is not a real commercial society now, and the taxes collected by the local governments are mostly grains and flax. How can these things be forwarded through the bank?The treasury collects grain to prepare military rations, or to use it for disaster relief. Even if the tax is exchanged for money, it is useless for the court to ask for it.After all, Datang's current grain output is still a pitiful figure.

"It's okay for you to do this alone, but how can the people after you follow suit? So, bear with it, when the production of grain comes up, the imperial court will be able to buy enough food with money within a limited range. food, your ideas can be put into practice."

Li Tai nodded, and he also discovered the unreliable part of his thinking.

The construction of the bank has been completed, and the next step is to publicize what the bank does.If it is an ordinary businessman, the choice is mostly shouting, if it is an imperial court, it is to post announcements.However, Li Chengqian would choose to distribute leaflets.Although the paper is a bit more expensive, but with the college's printing shop, I don't know how much labor is saved in copying.

So, just before the opening of the bank, people who handed out leaflets appeared. Anyone who walks on the street will get a leaflet, which records the functions and origins of the bank.

The common people received the leaflets, and after introducing them to someone who could read, they stuffed the leaflets into the stove.Poor and small households, how can they save money in the bank? It is rare to save one or two copper coins a year, just enough to eat and drink. Who needs a loan?

Unlike the ordinary people, the nobles and businessmen studied the leaflet thoroughly after they got it.Whether it is saving money for profit, or direct deposit and withdrawal between the two places, it is particularly touching their hearts.

The ones who move around in one place can only be small merchants, and the ones who travel between the two places are the big merchants. As for the wealthy merchants, they usually deal in goods from the Western Regions, seafood, or rare things from the north and the south.For them, the transportation of goods is already very difficult, and the transportation of money must also be taken into account, which is absolutely exhausting.After all, it was only a few merchants who agreed to trade with silver and gold, and more merchants only recognized copper coins or even silk cloth.However, it is too difficult to transport copper coins.

Yiguan money is about 300 copper coins, which can weigh about thirteen catties when strung together, and one hundred coins is more than [-] catties.Put the copper coins in the carriage, and drop a few coins on dangerous roads, that's all, the key is to be afraid of being robbed!You must know that even if there is no civil war now, there are still many people who are not satisfied with farming and doing business, and like to do business without capital.

It is much easier to choose a bank.If a person wants to bring money to Chang'an in Yangzhou, he only needs to deposit the money in the bank in Yangzhou, and then take the voucher and remember the password to withdraw the money at Chang'an Bank.Although the so-called "handling fee" of three copper coins has to be deducted from every penny, compared with the consumption and possible accidents during the transportation of copper coins, this is simply too affordable!

What big merchants value is the convenience of deposit and withdrawal in the two places, while medium-sized merchants and small merchants value the loan function.Compared with those shameless bald donkeys, the bank's interest rate is so low that it makes people cry.Everyone has a time when they are short of money, and the opportunity to make money is right in front of them. If they have no money in hand, they can only endure if they can't make money.Now there is no need, as long as you go to the bank and ask the bank officer to check your background, or get a bond, you can get a loan.

For a while, the most talked about in Chang'an population was "bank".

"Brother, tell me, is such a good thing possible to be true?"

"Oh, it can't be faked. You should know that this bank is jointly run by the Royal Family, the Eastern Palace, and eleven families from the south of the Yangtze River. Naturally, you spit on each other. Even if you don't believe in the eleven big families, you still don't believe in His Royal Highness?"

"What Xiongtai said is that as long as it is the property of His Royal Highness, there is no need to doubt it. Tomorrow, I will leave for Yangzhou. I heard that the bank in Yangzhou has not yet been built, but the time of this journey must be enough for the construction of the local bank in Yangzhou. It’s really worrying to be on the road with less than half of the family property, it’s better to pay a three-cent handling fee, save it in Chang’an, and pick it up in Yangzhou.”

.....

Such dialogue resounded all over Chang'an.

Li Chengqian didn't expect his reputation to be so strong. He thought he would be guarded for a period of time before anyone who would eat crabs would show up. As a result, after the bank opened for only three or four days, some people chose to deposit money, or deposit and withdraw in two places.

"In the early days of the bank's establishment, what is most needed is to spread its reputation and notify the branch managers of banks in various places. If there is a slight mistake, they will come to see them first. Wuzhong and Kuaiji are operated by the Lu family and others with their own cards. , but you still can't take it lightly, you must be careful when checking the accounts!"

Sitting in the office of Chang'an Bank, Li Chengqian gave an order to Zhang Wei, the president.

Zhang Wei is the president of the bank appointed by the emperor, and he has a strong ability to touch new things. In just a few days, he has managed the accounts of Chang'an Bank in a logical manner. It has to be said that he is a talent.

Zhang Wei nodded and said: "Everything is difficult at the beginning, and the humble job is still clear. Nowadays, the major businessmen choose to trust the bank because of His Highness's reputation. We must not let His Highness's reputation be damaged."

Seeing Zhang Wei's thorough assurance, Li Chengqian felt a little relieved.

It is also helpless to give the crown prince's honor to the bank platform.If something happened to the bank, it wouldn't be at the level of disgrace. It is estimated that he would not even be able to be the prince.But in such a dangerous situation, the emperor was still watching the joke, and even proposed that when the court borrowed the bank's functions, would the bank charge too much?

What a fart, the bank is still in its infancy, and when it grows up, it is natural for the court to waive the handling fee, but it can't do it now.

Glancing at Zhang Wei, Li Chengqian said: "Remember, when the imperial court allocates money to various places, the handling fee that should be charged must also be collected. Since the bank has not yet belonged to the imperial court, it cannot open the door to the imperial court. Someone caught the pigtail."

Zhang Wei nodded, and he couldn't help asking, who was from the Ministry of Internal Affairs, "But what if it's the Ministry of Internal Affairs?"

"It doesn't work either. The House of Internal Affairs involves the royal father's private property. It should charge the same fee! Without righteousness, we can't break the rules!"

...

After a day of tossing in the bank, he returned to the East Palace with a sore body.

To go to the toilet, you have to get up and walk to open the door to facilitate the process of flushing, washing your hands, closing the door and returning, let alone the bank.Although Fang Xuanling and the others had already optimized the various institutions of the bank, they still couldn't help being terrified when they actually launched the bank.This is how building a house without an embankment by the river is like this. Facing the turbulent river, no matter how careless people are, they will worry.

Xiuxiu was already used to the prince leaving early and returning late. As a court lady, all she could do was to prepare the prince with bath water and corresponding meals.

Lying in the tub and being wiped on his back, Li Chengqian no longer felt the embarrassment he had before.

"Your Highness is thirsty? Is this servant bringing you a pot of tea?"

Patting Xiuxiu's hand, Li Chengqian shook his head and said, "It's either thirsty or tired. I'm tired physically and mentally. You say, I'm a prince, and I'm obviously waiting for the emperor to take over. I usually eat, drink and have fun. Well, why make yourself suffer so much?"

Facing the prince's question, Xiuxiu waved her hands at a loss: "Your Highness didn't find fault with herself. I have heard many people say that, whether it is outside merchants or court ministers, even Your Majesty thinks that you It’s a great thing to do.”

To be powerful is to be powerful. After all, banks have been advancing for many years.Who knows whether it is good or bad to reappear the things of the past in ancient times?With such a hard foot on the accelerator, it's no wonder that you don't worry about the speed of the car.

He took Xiuxiu's hand and pulled her towards the tub, and immediately felt a subtle sensation on his back.

Seeing the prince's actions, Xiuxiu's face turned red immediately.Unlike Su Yuan, who was ignorant of the world, she was educated in ethics and knew very well what was going on between men and women.

"Don't be nervous, just find a place to lean on and rest."

Lying in the warm tub, I tried to expel the bank affairs from my mind as much as possible, but all kinds of worries and fears still came out of my heart for no reason.

Knowing that such thoughts are wrong, but wanting to let go temporarily, it's not that simple.

Jumping out of the bathtub, he hurriedly wiped his body clean, and after putting on his clothes, Li Chengqian prepared to stay in another place.

I can't go to the study anymore, and I will definitely think about these things when I go to the study.Why don't you just go to Yichun Beiyuan, feeding horses is worse than reading official documents.

Xiuxiu was afraid that the prince would catch cold, so she could only take out her heavy coat and prayed for the prince to put it on before going out.

After getting dressed and calling Heitantou, Li Chengqian went to Yichun Beiyuan without looking back.I dare not look at the study room.

Money can turn ghosts. The power of money has always been huge. There are more than 1000 workers. It is only a matter of time before Yichun Beiyuan will be transformed into a grassland.

The original courtyard has been completely flattened, and soft grass is planted on the soft soil, which is still just sprouting. When the temperature rises, it can always be covered with greenery.

In the center of the courtyard stands a sheepskin tent, next to it is a small sheepfold, where several lambs are raised.

Ashina Xue, who was dressed as a prairie, played with the sheep with hay.

Seeing Li Chengqian, Ashina Xue ran over a few steps and asked, "Why are you here? Want to see your horse?"

"No, I came here to escape. Is there any space in your tent? I plan to stay here for a few days..."

If you want to struggle out of the vortex, you have to use force. If you want to forget something, avoiding it is the best choice.Therefore, Li Chengqian chose to eat and live in Beiyuan, Yichun, and forgot about the bank for the time being.With a mature framework in place, the bank will not have any major problems.The bigwigs of the imperial court seemed to be on the sidelines, but there was a problem with the bank, and it would be strange if they didn't intervene.The sun won't stay bright without Li Chengqian, and the earth won't stop turning without Li Chengqian.

"Hahahaha, I knew that this kid would definitely not be able to handle it."

Looking at the impeachment memorial delivered by the censor, the emperor's laughter resounded in the Liangyi Hall.

"What's wrong with Chengqian? I went out of the palace today, and I specially called Su Shi, but he didn't come out. And my brother also told me that I want my concubine to remind Chengqian to be careful and don't always mess around."

There is no doubt that the only one who can make the emperor call "this kid" is the prince.

Pointing to the stack of memorials on the table, Li Shimin smiled and said, "Guanyin maidservant, these are all memorials to impeach the prince for wanton behavior. You don't know, some time ago the prince transformed Yichun Beiyuan into a pasture, and gave it to the Turkic princess. A tent and a few sheep. A few days ago, Chengqian entered Yichun Beiyuan and hasn’t come out for several days.”

"Isn't this nonsense? I'm going to reprimand him now!"

It is a big joke that the prince lives in a Turkic tent in the East Palace and lives a Turkic life.If it spread, it would have a great impact on the prince's reputation.

Holding the Queen's hand, Li Shimin smiled and said, "Queen, you don't know. In fact, I forced Chengqian to hide in Yichun Beiyuan. Didn't he create such an organization as the bank? Ever since the bank was opened, I haven't seen it." Don't ask Wuji and others to intervene, and let Chengqian control it completely, just to see if he can handle it well. In the end, this kid really couldn't bear the pressure, so he chose to let go of the burden."

Seeing the emperor laughing at his son's poor appearance, the eldest grandson sighed and said, "You, just toss Chengqian, what is it for this time?"

"I just want to tell Cheng Qian, how can we control all major events in the world? Before letting him supervise the country, although he directly provoked the leader, there are Fang Xuanling and others to help him share it. This time, the bank is equally important. , I don't care about it, I just want to see if he can carry it. The result also came out, he couldn't carry it, so he ran away.

This is also human nature. Faced with such a great pressure, Cheng Qian is still just a child, and it is normal that he cannot bear it.It is said that an emperor should have the heart to accommodate the world, but the emperor is also a human being, and it is impossible to care about everything in the world at the same time.If you want to cover everything, even a saint can't do it.Forget it, I won't force him anymore, and order the officials of the Ministry of Internal Affairs and the Ministry of Household Affairs to share the responsibility and handle banking affairs in different levels. "

Although he didn't hear it very clearly, the eldest grandson still knew that the prince was cheated by the emperor again this time.However, it’s okay to suffer some setbacks once in a while, and it’s okay to be too smart, and you will always suffer some blows.

Looking worriedly at the large pile of impeachment memorials, the eldest grandson sighed and forced himself not to care about this matter any more.

"Don't worry, the East Palace is the crown prince's territory. Chengqian didn't do this because he flattered the Turkic people, but just doted on the concubine. It's not a big deal. You can just issue a decree and reprimand them. These officials are just doing their duty. , can’t be considered serious.”

After reassuring the empress, the emperor laughed again when he thought of the prince who was hiding in Beiyuan, Yichun, where he was meditating.

The appearance of the bank made the prince too outstanding, and no courtiers would like a prince who was too monstrous.What he has to do as a father is to teach the prince how to hide his clumsiness.Some things, if you do it yourself, there is always a risk of failure.

Chapter 289 Which Scallion Hou Junji Counts

Being an emperor can't make mistakes, so many things have to be delegated to subordinate ministers. If you do it right, the emperor guides you well. If you do something wrong, the emperor just doesn't know people well.The emperor who holds the final power of interpretation is the most rascal in the world.

Li Chengqian didn't know this kind of truth before, but now after thinking about it for a period of time, he has realized it.

The most stupid behavior in this world is to sacrifice yourself for others with passion, because what you gain if you do well is not comparable to what you lose if you mess up.

"Is the milk dregs you made sour? How can I taste a sour taste?" Lying on the sheepskin bed in the tent, Uncle Li Chengqian said to Ashina Snow like a master.

"Nonsense, I didn't make milk dregs once or twice when I was in the grassland. How could it be impossible to make it in Datang?"

"But Xiuxiu's cooking doesn't have a sour taste."

Xiuxiu, who was lying innocently on the side of the gun, blinked her eyes, and said cautiously: "I also tasted a little sour, so I added some icing sugar to it."

"Oh, that means the milk you use is bad."