Empress Eldest Sun was stunned for a moment, she thought that there was something wrong with her ears, could it be that she heard it wrong? What did Li Mu say, he only needs one cent to three points of interest? How is this possible?!

"Li Mu, you said that you only need one cent to three cents of interest, but what do you mean, if you take out a loan of 10,000 yuan, the maximum annual interest rate is only 3,000 yuan?"

Li Mu nodded and said, "The queen is not bad at all, that's what it means!" ”

Empress Eldest Sun looked at Li Mu as if she was looking at a fool, and said, "Li Mu, do you know how much the interest on the loan is made by the public party?" If you lend money like this, if someone takes all the money out and lends it to another person, then the profit of that person will be greater than the profit you get, and then you will not make a wedding dress for others? ”

"Please let the queen be careful."

Li Mu had a confident smile on his face, what he liked most was this link, like a docent, doing popular science for the Tang Dynasty people like a blank piece of paper.

"The minister has learned about the current loan situation of my Datang. With all due respect, today's borrowing situation, whether it is the government or the people, is in an abnormal situation. What the queen said is exactly what she said, such a loan, it must be the people who exploit it, and the ministers will never do this kind of thing. ”

"But why is the interest rate so low when you lend money to a large gatekeeper? Do you not allow them to exploit the people? ”

"The minister has no such intention, the queen, please think about it. The purpose of the minister's loan is, first, to want someone to do things. Because the cost of doing things is too high, many people, even if they have ideas, can't come up with such a large amount of money. Lend them money, and they will be able to do it. Get things done, that's the main purpose. And the reason for the low interest rate is that since it is a business, it must be profitable. If the ministers lend normally, the interest rate is too high, and all the profits they get are not enough to give the interest, and no one will do such a stupid thing. As long as the minister only has one to three points of interest, it will give up the profit margin. When they pay back what they owe, they will be more profitable, which will motivate them to take out loans. ”

"Also, to do something, someone has to take the lead. Let's say, a carriage and a horse. It is unrealistic to expect a common man to be a chariot and horse, because he has neither money nor people. But if the gate valve family or the big family comes to take the lead, they have the capital, and the loan also has the pledge, so they can do it. The important thing is to use people in everything you do. They don't have enough people, so they hire guys. These fellows may be homeless or poor, and if they get this job, they will be able to make a living, so the interest transferred by the minister will become their monthly money, and it is the second purpose of the minister to feed the people. ”

"The third purpose is to increase the income of the internal funds. If you lend 1 million yuan, at an average interest rate of 2 cents, it will be an income of 200,000 yuan a year. In terms of the current cost of domestic money, 200,000 yuan is basically enough. What's more, now that the bank has 2 million yuan, if it goes smoothly, the interest of 400,000 yuan a year, the expenses in the palace will definitely be much more comfortable. ”

When Empress Eldest Sun heard this, she really longed for it. She's also a person, who doesn't want to live a better life? With more money in the palace, the concubines won't always come to it to complain. But what Li Mu said, can it really be implemented smoothly?

Empress Changsun felt that it was not necessarily.

"Li Mu, your idea is good. But there is a problem, the money you lend out is not the money of the internal funds, but the money of the shareholders of Datang Salt and Datang Mining. In other words, if this palace does not understand correctly, you plan to lend the money of the gate valve family to the gate valve family, and if you do this, will they agree? ”

Li Mu smiled and said, "Queen, the ministers don't know why they need to agree to this." ”

Empress Eldest Sun frowned slightly, Li Mu was really as arrogant as rumored.

"If it gets big, what if they want to withdraw their shares?"

"Wouldn't it be nice if the current shareholders withdraw their shares, just so that those who regret not being able to join in the shares can join in?"

"What about the money?"

"Don't worry about the money, return one, add one, use the money in the back to make up for the money in front, one on top of one, just right!"

Seeing that Empress Changsun still had doubts, Li Mu further explained: "The rule set by the minister is that if you want to participate in the company, you must pay a subscription fee, that is, a deposit. Because these two companies are businesses that are bound to make money. There is no such cheap thing in the world, they don't pay a deposit, and the minister won't let them participate in the shares. They put the money in the minister's place, which they must pay, and the minister did not rob them of their money, if they withdraw their shares, the minister guarantees that not a penny will be returned to them, which is very reasonable and fair. ”

Empress Eldest Sun said: "This makes sense, but how can you guarantee that the money released can be recovered, if they lose money and can't pay back the money, you can't kill them, right?" Is it possible that you have a way to make their business profitable? ”

Li Mu smiled: "Of course, there is no way for the minister to make everyone make money, if the minister has that ability, the minister is not Li Mu, but the god of wealth." However, what the queen was worried about, the minister also thought of it. First of all, the minister does not lend credit, but only quality lending. Such a low-interest loan is already a good thing that can't be found with a lantern, and it is not too much to ask them to come up with some guarantees. At the same time, the ministers will also verify their family background. If a person's family has 100,000 yuan, the minister will only give him a loan of up to 20,000 yuan to ensure that he can repay it. Moreover, the minister will not let them only take loans to do things. For example, if a transaction requires a principal of 30,000 yuan, then the minister will lend them half at most, and it is absolutely impossible for the white wolf to be empty-gloved. ”

"With these guarantees, I believe it is still safe."

"Oh......" After hearing this, the doubts in her heart were all solved. She thought about it for a while, couldn't think of any loopholes anymore, nodded, and said, "Li Mu, you are really resourceful, such a way, only you can think of such a way in the whole world." Using other people's money for your own benefit, even if Fan Li is reincarnated, it can't compare to you. ”

"The queen has a good reputation, and the ministers dare not be ashamed." Li Mu hurriedly humbled himself, he didn't want to be killed: "And the queen also said that it was bad, the minister did not use other people's money for his own benefit, the minister used the money of the gate valve family to benefit His Majesty's internal funds." The ministers do not take a penny among them. ”

Empress Changsun heard what Li Mu meant, he was clarifying the relationship and attributing the responsibility to the inside, so that the gate valve family and others could not say anything. Empress Eldest Sun thought about it and didn't pierce it. With a profit of hundreds of thousands of yuan a year, it is also a matter of responsibility to take some responsibility. It's not good to get money inside, and the black pot is left to Li Mu alone, if he really does this, Li Mu probably won't do his best.

At this time, the four concubines arrived.

It was the first time Li Mu saw Li Shimin's four concubines, and hurriedly got up to salute. Empress Changsun introduced her and said, "Sisters, this is the famous Zhulu Marquis of Chang'an." The mahjong tiles we play were invented by him. Today he offered perfume and soap, which the palace did not want to use for himself, but gave them to the sisters. ”

As she spoke, she introduced Li Mu again and said, "Li Mu, this is Wei Guifei, Yang Guifei, Yin Guifei, and Yan Guifei. They are all people who have followed His Majesty for many years, and you should treat them the same as I am, you know? ”

Li Mu hurriedly saluted and said, "Minister Li Mu, please greet all the noble concubines." ”

The four concubines rarely saw their ministers except for their relatives. Seeing Li Mu, it is also quite new, and they have heard of Li Mu's reputation many times. Mahjong has to be played every day, and if you don't play for two hours, you can't eat. Now that I see the living, I am very happy and keep asking. I was also quite satisfied with the perfume and soap offered by Li Mu.

As he spoke, it was already noon. Li Mu was not so thick-skinned, so he waited for dinner in the palace and found an excuse to retreat. The eldest grandson queen did not stay, Li Mu is a man after all, although he is a junior, but it is also inconvenient. If Li Shimin opened his mouth, it would be different.

Li Mu left from the Lizheng Hall and happened to pass by the Chongwen Pavilion along the way. Caught up with Chongwen Hall to get out of school, and happened to meet Li Chengqian and Li Tai, two brothers, coming out of the door, Li Mu hurriedly waved his hand, Li Chengqian's eyes were sharp, and when he saw that it was him, he hurriedly trotted over.

"Big brother!"

'Big brother' shouted crisply and neatly, Li Mu waved his hand, signaling Li Chengqian to make a quieter voice. But Li Chengqian refused, and still called him a big brother. He is so obedient because of the charm of money. The scimitar he wanted, Li Mu asked Ergou to buy it, and sent it to Li Tai, who handed it over to Li Chengqian, and made him so happy that he didn't fall asleep for a few days. also wrote a letter to Li Mu in person, saying that from now on, Li Mu will be his eldest brother.

I bought the prince for just a hundred taels and called 'big brother', which is really cost-effective. But Li Mu didn't dare to accept it, he was joking, how dare he let Li Chengqian call him big brother on a serious occasion.

Li Chengqian is different from Li Tai, Li Chengqian is the crown prince, and the prince can be appointed as the prince because he is a 'grandson' and a 'long'. If the prince calls someone else's eldest brother, he is not the eldest brother, which is a big violation of the rules.

Li Mu was waving his hand here, Kong Yingda came out of the door, and when he heard Li Chengqian call Li Mu brother, his face changed instantly. Strode forward and pointed at Li Mudao: "Zhulu Hou, you dare to be so bold, the prince is the prince of the country, you induce the prince to call you eldest brother, what do you want to do, do you want to do wrong?" ”

Li Mu frowned suddenly, he looked at Kong Yingda, and felt a little helpless.

has fought Kong Yingda many times, and his perception of him was very disgusting at first, but gradually, somehow, he has become less annoying. Although the old man's temper is a little stubborn, his personality is very upright. Even if he can't say it, he is just positive and will not make small movements behind his back, which Li Mu appreciates very much.

But he always finds fault, and Li Mu still doesn't like it. And he can't control himself, as long as Kong Yingda jumps out, he wants to say a few words. Maybe it's lonely because I haven't had anywhere to use my mouth cannon lately.