Time travel, sell Tang poems at the beginning

After an auction, Lin Feng finally saw what it meant to spend money like water. It was a total of 32 million taels of silver. You must know that Dayan's total tax revenue for the treasury in a year was only more than 50 million taels.

While the rich wine and meat smell, the road with frozen bone.

Although the Dayan Dynasty was in its prime, the people could barely make enough food and clothing. This shows how huge the gap between the rich and the poor was in Dayan.

Just as Lin Feng was sighing secretly, Lu Qiuya and Huangfu Yunyun walked towards him.

Huangfu Yunyun blinked at Lin Feng and said excitedly: "Thirty-two million taels of silver! Lin Feng, congratulations on your fortune!"

"Husband, since my father asked you to stay, we will go back first."

Lin Feng nodded, "Qiu Ya, ask Sister-in-law Wu to cook more dishes. Let's celebrate tonight."

"understood."

Lu Qiuya smiled slightly, pulled Huangfu Yunyun and walked outside the auction house.

As soon as the auction started, the smiles on the faces of Huangfu Gongcheng and Shangguan Lingyun never stopped. As the pieces of glassware were sold at high prices, the smiles on their faces became more and more prosperous.

"I congratulate your majesty! Congratulations to your majesty! Now the imperial court has enough money to build the cement road."

"Hahaha! That's right! If the wind is blowing, Dayan's resurgence is just around the corner!"

At this moment, Lin Feng and the three pavilion elders slowly walked into the attic, "I pay my respects to Your Majesty! I pay my respects to the Queen!"

Huangfu Gongcheng nodded with relief, "Four dear ladies, you don't need to be polite, please sit down!"

"Thank you, Your Majesty!"

"Your Majesty wants to discuss political affairs, so I will go back to the palace first." Shangguan Lingyun stood up immediately, bowed and turned to leave.

"Four dear friends, the main threat to me, Dayan, comes from the Northern Yuan Dynasty. Since I succeeded to the throne, the Northern Yuan Dynasty has been expanding its military strength every year. Now its military strength has reached 600,000 troops, and it has strong intentions of invading the south."

"Without further delay, in order to ensure the security of our northern border, the cement road from Fengyang City to Liangyan City must be constructed immediately."

"Your Majesty Shengming!"

The feeling of being rich is different. When Huangfu Gongcheng said this, the three pavilion elders immediately agreed.

"Lin Feng, how is the output of the cement factory now?"

"Your Majesty, please rest assured that after the cement factory expands production, it can fully satisfy the need to lay cement roads on two official roads at the same time."

Huangfu Gongcheng nodded, "Okay! Then make arrangements to start construction as soon as possible!"

"Sir, obey the order!"

"Oh, by the way, when can that four-wheeled carriage be made?"

"Back to Your Majesty, I just visited the carriage factory yesterday. All carriage components have been produced. Our first four-wheeled carriage in Dayan will be available soon."

"Okay! Cement roads and four-wheeled carriages are related to the imperial government and the country. The Marquis of Jiangling must not slack off."

"Your Majesty, don't worry, I will honor your orders!"

Huangfu Gongcheng nodded, and suddenly thought of something, his face darkened immediately, "In today's auction, the four major families alone bought one-third of the glazed wares, spending more than ten million taels of silver. From this, It can be seen that the financial resources of the four major families are strong, what do the four beloved ministers think about this."

"Your Majesty, the four major families have been prosperous for more than three hundred years. The family background is indeed of great importance. This public exposure of wealth at the auction should be an attempt to revive the reputation of the four major families." Dai Qian, the imperial censor, said.

"Your Majesty, the four major families were prosperous in the previous dynasty. When they were at their most prosperous, even the Zhao family, the royal family at that time, would act based on their expressions."

"Emperor Taizu began to suppress the four major families after he established the dynasty. Now more than a hundred years have passed, and their presence in the court has become less and less. This auction is a public display of financial resources and has great potential for revival. Indeed It’s worth being vigilant.” University Scholar Meng Xianli said.

"The four major families are the cancer of my Dayan. As long as His Majesty gives the order, I will personally lead the army to eliminate them." General Cheng Wuwei said.

Huangfu Gongcheng nodded, "I am very pleased that the general is loyal, but the power of the four major families is deeply rooted, and it is not easy to eliminate them. Now that they have jumped out, it is time for me to suppress them." .”

"Your Majesty Shengming!"

The three pavilion elders bowed their hands in unison.

"Lin Feng, what do you think of the four major families?"

"I very much agree with your Majesty's strategy of suppressing the four major families. Aren't the four major families rich? Then we will suppress them economically."

Huangfu Gongcheng and the three pavilion elders all looked at Lin Feng, "Tell me, how to suppress it?"

"Your Majesty, the source of income of the four major families is nothing more than land shops and banks, especially the banks of the four major families. Now they have spread all over the seventy-two states of Dayan, and we must focus on suppressing them."

"The bank is related to Dayan's economic lifeline and must be firmly controlled by the imperial court. Your Majesty can establish Dayan Bank in the name of the imperial court, thereby suppressing the bank industry of the four major families."

Lin Feng's ultimate goal is to issue banknotes in Dayan, and establishing Dayan Bank is only the first step.

"Your Majesty, I think Marquis Jiangling's proposal to establish Dayan Bank is very good and should be implemented immediately." Dai Qian, the imperial censor, said.

"My minister agrees!"

Meng Xianli and Cheng Wuwei echoed their words.

Huangfu Gongcheng nodded, "It is not difficult to open a bank in the name of the imperial court. I can do it by issuing an imperial edict. However, the four major families started as bank banks for more than three hundred years. I want to punish them in the bank area." Suppression is by no means easy, does the Marquis of Jiangling have any good ideas for this?"

"Your Majesty, the main sources of income for the banks of the four major families are the custody fees of customer deposits and the handling fees for flying money to other places."

“For the two businesses of deposits and flying money to other places, Dayan Bank not only does not charge any fees, but as long as customers deposit money to Dayan Bank, we will return interest to customers.”

"Marquis Jiangling, when you open a bank, you not only don't accept money, but also give money to others. I am very curious about where the income of this bank is? How does it make money?" Dai Qian, the imperial censor, asked with a puzzled look on his face.

Lin Feng smiled and said, "Please let Mr. Dai Ge listen to what I have to say. After the establishment of Dayan Bank, the business will be mainly loans. We will lend out the money deposited by customers in the bank, and the interest on the loans will be the bank's source of income."

"Marquis Jiangling, if you do this, wouldn't Dayan Bank become a bank that specializes in loan sharking? Usury has a very bad influence on the people, and many people have suffered greatly from it. Your Majesty, please investigate." University scholar Meng Xian said politely.

Huangfu Gongcheng nodded, "Meng Aiqing's words are reasonable. Marquis Jiangling, do you have anything else to say?"

"Your Majesty has misunderstood. The monthly loan interest rate of Dayan Bank is between 2% and 5%, which is completely different from private loan sharking."

"After the establishment of Dayan Bank, the monthly interest rate on customer deposits is planned to be between two thousandths and five thousandths. The more deposits, the higher the interest rate. The interest rate difference between loans and deposits is the bank's income."

"If Your Majesty is still not at ease, we can pilot it in Fengyang City first, and if there is no problem, we can implement it nationwide."

"Your Majesty, if the interest rate on the loan is only two to five percent, it is indeed not considered a loan shark. I was too anxious just now. Please forgive me, Marquis Jiangling." Meng Xianli bowed his hand apologetically.

"Mengge Lao is dedicated to serving the people, and the lower officials admire him!"

"Your Majesty, the Marquis of Jiangling has a very good idea to establish Dayan Bank. In this way, ordinary people can save their spare money in the bank, which is safe and earns interest. It kills two birds with one stone."

"When ordinary people are in a hurry for money, they can go to banks for loans, thereby avoiding the persecution of private loan sharks. When the court is in urgent need of money, they can also go to banks for emergency loans. This is a good policy that kills two birds with one stone. I agree to pilot it in Fengyang City first. Dai Qian said.

"My minister agrees!"

Cheng Wuwei and Meng Xianli nodded in agreement.