After arranging for them to sit down, Li Chengqian came to the apse of the Mingde Palace.

Nowadays, several people who listen to the play are holding the bank's instructions and studying them diligently.

"Your Highness, the ability of the bank, the old minister almost understands half of it, to put it simply, it is to collect the world's lending power to the bank, control the circulation of money in a region, and play a role in the exchange of money between regions. And the bank's profit lies in the handling fees for lending and cross-border deposits, right? ”

Seeing that Fang Xuanling clearly stated the role of the bank, Li Chengqian couldn't help but stretch out his thumb. It's as simple as that, as for the bank's stimulus to the economy or something, it's all derivative.

"Okay, I almost understand, you want to establish a bank, you can use the power of these eleven when you set up a framework, but you must beware of them playing tricks on them, Dai Guan, since the imperial court is going to issue a decree prohibiting private lending, then you should also formulate relevant regulations for banks. The regulations promulgated by the imperial court are more convincing. ”

Dai Xuan got up and gave up his hand.

The eldest grandson Wuji also got up and said: "Your Majesty, there is no doubt that the bank will be handed over to the management of the household department in the future, and Weichen hopes that some officials of the household department can join the bank and start managing it from now on, and when it is handed over in the future, it will not be impossible to understand anything." ”

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

The Chongjiao Hall is now occupied by the heads of the eleven families, and the emperor is very annoyed that there is no opportunity to eat, so he can only snort coldly at the main hall before leaving with Fang Xuanling and the others. Today's regular court meeting has not yet been held.

After sending the emperor away, Li Chengqian returned to the Chongjiao Palace. A banquet is naturally a joy for the guests and the hosts.

No matter how long the winter is, there is a time in the past, when the spring rain season continues, Chang'an Guangdefang and Changle Fang, almost at the same time, a store called a bank appeared.

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

Other people's homes are directly opened after the land is acquired, that is, there are very few changes to the building, and there are very few that have been bulldozed and rebuilt. But this one is different, not only bulldozing the ground, but even digging several feet into the ground, and the material used is also rare cement, boulders mixed with cement, which is used to build the city wall, and as a result, people use it to build a building.

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

When the bank was built, Li Chengqian was too lazy to be a supervisor, so he simply handed over the design and construction to Li Tai, and Li Tai did not live up to his expectations, and the bank he built was exceptionally excellent. In particular, the vault in the basement is not only anti-theft, it is estimated that some people want to rob it, but there is nothing they can do about the heavy iron door.

As long as it is a compliment, Li Tai likes to listen to it, and says while drinking tea with a teacup: "You don't look at who is out of the horse, but Brother Huang, do you say that the taxes of my fiefdom can also be transferred to Chang'an through the bank?" In this way, it can save a lot of labor. ”

In the end, it is a smart person, it is indeed an extremely wasteful process to transport taxes from all over the country to Chang'an, if it becomes forwarded from the bank, the labor consumed by the former is not comparable with the handling fee of the latter.

However, now it is not a real commercial society, and the taxes collected by the local government are more grain, silk and linen, how can this thing be forwarded through the bank? The state treasury collects grain for the preparation of military rations or for disaster relief, and even if the taxes are exchanged for silver, it is useless for the imperial court to ask for it. After all, Datang's current grain output is still a pitiful figure.

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

Li Tai nodded, he also found the unreliability in his thoughts.

The construction of the bank has been completed, and the next step is to promote what the bank does. If you change to an ordinary businessman, most of the choices are shouting, and if you change it to the imperial court, you will post announcements. However, Li Chengqian's words will choose to distribute leaflets. Although the paper is a little expensive, there is a printing workshop of the college, and I don't know how much manual copying has been saved.

So, just before the bank opened, the people who handed out leaflets appeared, and anyone who walked the street would get a leaflet with a record of the bank's function and origin.

Ordinary people received leaflets, and after asking literate people to introduce them, they stuffed them into their stoves. Poor and small households, how can they have surplus money to deposit in the bank, it is rare to save one or two copper coins a year, and they can eat and drink enough, who needs a loan?

Unlike the common people, the nobles and merchants studied it thoroughly when they got the leaflets. Whether it is saving money for profit, or direct access between the two places, it is particularly touching to their hearts.

Those who move around a place can only be small merchants, and those who come and go between the two places are big merchants, and as for the wealthy merchants, they generally deal in goods from the Western Regions, sea goods, or rare things from the north and south. For them, the transportation of goods is already very difficult, and it is absolutely exhausting to take care of the transportation of money. After all, it was only a few merchants who agreed to trade silver and gold, and many more only accepted copper coins or even silk cloth. However, it is too difficult to transport copper coins.

Consistent money, that is, about 1,000 copper coins, can be strung up to 13 catties, 100 catties, that is, more than 1,300 catties. Put the copper coin in the carriage, and fall a few coins when you encounter a dangerous road, and that's it, 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.

And choosing a bank is much easier. If you want to bring money to Chang'an in Yangzhou, you only need to deposit the money in the bank in Yangzhou, and then take the voucher and memorize the password, and you can take the money out again in Chang'an Bank. Although the so-called "handling fee" of three copper coins has to be deducted for each consistent money, it is simply too affordable compared to the consumption and possible accidents caused by the transportation of copper coins!

Large merchants value the convenience of access in two places, while medium merchants and small merchants value the loan function. Compared to the shameless bald donkeys, the interest rate of the bank is simply so low that it is painfully low. When everyone is short of money, the opportunity to make money is in front of them, and if you don't have money in your hand, you can only endure it if you can't make it. Now you don't need to, as long as you go to the bank and ask the bank official to check your background, or get a letter of guarantee, you can get a loan.

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

"Dude, tell me, can such a good thing be true?"

"Heh, it can't be fake, you must know that this bank is run by the royal family, the East Palace, and the eleven families in Jiangnan, so naturally one spittle and one nail. Even if you don't believe in those eleven big families, you still don't believe in His Royal Highness the Prince? ”

"What Brother Tai said is that as long as it is the property of His Royal Highness the Crown Prince, there is no need to doubt it. Tomorrow, the younger brother is going to leave for Yangzhou, I heard that the bank in Yangzhou has not yet been built, but the time of this road must be enough for the construction of the local bank in Yangzhou. It is really reassuring to rush with a small half of the family property, it is better to pay three points of handling fees, Chang'an to store, Yangzhou to take it. ”

.....

Such a conversation resounded all over Chang'an.

Li Chengqian didn't expect his reputation to be so strong, and he originally thought that he would be on guard for a period of time before there would be people who ate crabs, but as a result, only three or four days after the bank opened, some people chose to deposit money, or deposit and withdraw money in two places.

"In the early days of the opening of the bank, the most important thing is to spread the reputation, notify the branch presidents of the banks in various places, and if there is a slight mistake, they will come to see them. Wuzhong, although the local government is the Lu family and others with their own cards to operate, but still can not be taken lightly, when auditing, must be careful and careful! ”

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

Zhang Wei is the president of the bank designated by the emperor, and he has a strong ability to contact new things, but in a few days, he has put the accounts of Chang'an Bank at the head of the Tao, and he has to be said to be a talent.

Zhang Wei nodded and said: "The truth that everything is difficult at the beginning, it is still clear that the humble position is still clear, and now the major businessmen choose to believe in the bank because of His Royal Highness's reputation." We must not let His Highness's reputation be damaged. ”

Seeing Zhang Wei's thoroughness, Li Chengqian was a little relieved.

It is also helpless to give the reputation of the prince to the bank platform. If something really happens to the bank, it won't be a disgraced level, and it is estimated that he won't even be able to do this prince. But in such a dangerous situation, the emperor was still watching the laughter, and even proposed that when the court borrowed the function of the bank, was it too much for the bank to collect money?

After that, the bank is still in the nascent stage, and when it grows up, it is naturally the right thing to give the court a fee waiver, but not now.

Glancing at Zhang Wei, Li Chengqian advised: "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, and it will be caught with pigtails. ”

Zhang Wei nodded, and he couldn't help but ask, "But, what if it's the Internal Affairs Office?" ”

"No, the Internal Affairs Office involves the private property of my father, and the fee should be charged the same! If there is no righteousness, you can't break the rules! ”

....

After tossing around in the bank for a day, I returned to the East Palace with a sour body.

When you go to the toilet, you have to get up and walk to open the door to facilitate flushing, wash your hands, and close the door and come back, not to mention the bank. Although Fang Xuanling and others have optimized the various institutions of the bank, they still can't help but be terrified when they really launch the bank. Building a house without an embankment by the river is like this, and in the face of the raging river, no matter how careless people are, they will be worried.

Xiuxiu is used to the prince's early departure and late return, as a palace maid, all she can do is prepare bath water and appropriate meals for the prince.

Lying in the bathtub and being wiped on the back, Li Chengqian now has no original sense of embarrassment.

"Your Highness is thirsty? The slave maid brought you a pot of tea? ”

patted Xiuxiu's hand, Li Chengqian shook his head and said: "It's not thirsty, it's tired, the body is tired, and the heart is tired, you say, I'm a prince, I'm obviously waiting for the emperor, I will take over by myself, I usually eat, drink and have fun, why do I find so much guilt for myself?" ”

Facing the prince's question, Xiuxiu waved her hand at a loss: "Your Highness didn't find fault for yourself, the slave maid listened to many people, whether it is a businessman outside, or a minister of the court, even Your Majesty, I think you are very powerful in this matter." ”

It must be powerful, after all, the bank is a thing, I don't know how many years it has been going forward. Reproducing what is facing forward in ancient times, who knows whether it is good or bad? It's strange to step on the accelerator so hard and not worry about the speed.

Grabbed Xiuxiu's hand and pulled her in the direction of the bathtub, and suddenly there was a subtle touch on her back.

Regarding the prince's actions, Xiuxiu's face suddenly turned crimson. Unlike Su Yuan, who is ignorant of the world, she is educated in etiquette and knows very well what things are going on between men and women.

"Don't be nervous, just find someone to rest and rest."

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

I know that this kind of thinking is wrong, but if I want to let go for a while, how can it be so simple.

Jumping out of the bathtub, he hurriedly wiped his body clean, and after putting on his clothes, Li Chengqian was ready to change places to stay.

I can't go to the study anymore, and when I go to the study, I must still think about these things. It's better to simply run to Yichun Beiyuan, feeding the horses is better than reading official documents.

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

After getting dressed and calling the black charcoal head, Li Chengqian went to Yichun Beiyuan without looking back. In the study, I don't dare to look at it.

There is money to make ghosts grind, the power of money has always been huge, there are more than 1,000 workers, it is only a matter of time before the Yichun Beiyuan is transformed into a grassland.

The original courtyard has been completely bulldozed, and the soft soil is planted with soft grass, but now it is just budding, and when the temperature rises, it can always be shaded with green.

In the middle of the courtyard stood a sheepskin tent, and next to it was a small sheepfold with a few lambs.

Ashina Xue, who was dressed in grassland costume, played with hay and teased the sheep.

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

"No, I'm here to escape, is there any room in your tent? I'm going to stay here for a few days...."

If you want to struggle out of the whirlpool, you have to exert yourself, and if you want to forget something, avoiding is the best choice. Therefore, Li Chengqian chose to eat and live in Yichun Beiyuan, forgetting the bank for the time being. There is a well-established framework in place, and there is no big problem with the bank. The bigwigs of the imperial court seem to be watching from the sidelines, but when there is a problem with the bank, it is strange that they do not intervene. The sun will not be bright without Li Chengqian, and the earth will not fail to turn without Li Chengqian.

"Hahahaha, I know that this kid will definitely not be able to bear it."

Looking at the impeachment fold delivered by the imperial history, the emperor's laughter sounded in the Liangyi Palace.

"What's wrong with Cheng Qian? The concubine left the palace today, and specially called the Su family, but he didn't come out. And the elder brother also told the concubine that he wanted the concubine to remind Cheng Qian to be careful and not to always come nonsense. ”

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

Pointing to the stack of twists and turns on the table, Li Shimin smiled and said: "Guanyin, these are all twists and turns to impeach the prince for his wanton behavior. You don't know, some time ago, the prince transformed Yichun Beiyuan into a grassland, and also got a tent and a few sheep for the Turkic princess. A few days ago, Cheng Qian entered Yichun Beiyuan and has not come out for a few days. ”

"Isn't this nonsense? The concubine is going to reprimand him! ”

It is a big joke that the prince lived in a Turkic tent in the East Palace and lived the life of a Turkic people. spread out, and it had too much impact on the prince's reputation.

Holding the queen's hand, Li Shimin smiled and said: "Queen, you don't know, in fact, Cheng Qian hid in Yichun Beiyuan, and he was forced by me." Didn't he come up with such an organization as a bank? Since the bank was opened, I have not asked about it, and I have not allowed Wuji and others to intervene, and I have completely handed it over to Cheng Qian, just to see if he can handle it well. As a result, this kid really couldn't bear the pressure and chose to leave the burden alone. ”

Seeing the emperor's bad appearance of laughing at his son, 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 I control all the major events in the world? asked him to supervise the country before, although he directly provoked the beam, but there were Fang Xuanling and others below to help him share the burden, this time, the bank is equally important, I don't care about it, I just want to see if he can bear it. The result also came out, and he couldn't bear it, so he ran away.

This is also human nature, in the face of such great pressure, Cheng Qian is just a child, and it is normal that he can't bear it. It is said that the emperor should have the heart to accommodate the four seas, 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 do everything, the saint can't do it. Anyway, I won't force him, and I will order the officials of the Ministry of Internal Affairs and the Ministry of Household Affairs to share the responsibilities and handle the banking affairs at different levels. ”

Although he didn't understand too much, the eldest grandson still knew that the prince was cheated by the emperor again this time. However, if you eat a trench and grow wise, you will suffer some setbacks occasionally, or if you are too smart, you will always suffer some blows.

Looking worriedly at the stack of impeachments, the eldest grandson sighed and forced himself to stop caring about the matter.

"Don't worry, the East Palace is the prince's territory, and Cheng Qian is not doing this because he admires the Turks, but because he loves the concubine, which is not a big deal. You just send down an edict to reprimand you, and these officials are only doing their duty, and they are not serious. ”

After calming the queen's heart, the emperor laughed again when he thought of the prince who was hiding in Yichun Beiyuan to calm down.

The appearance of the bank made the prince too prominent, and the prince who was too wicked would not be liked by the courtiers. What he has to do as a father is to teach the prince to learn to hide clumsy. There are some things that are done in person, and there is always a risk of failure.