"This ......"

Li Mu showed hesitation, but in fact, he had already planned it in his heart. Even if everyone in the palace was supplied with perfume and soap, it would not be enough to cover any burden. But if he really does this, he will lower the 'rank' of perfume and soap, because what is too easy to give away, no one will cherish.

Seeing Li Mu's hesitant expression, Empress Eldest Sun guessed what he was thinking, and said with a smile: "The meaning of this palace is not to let you give it away for nothing. Instead, I want to discuss with you whether it can be cheaper if the amount needed in the palace is large. You are the internal decree of His Majesty, and you know how much money you have. It would be a lot of money to supply perfume and soap to every concubine. ”

Li Mu hurriedly said: "The minister is panicked, the minister has added an internal order, but he has not added much income to the palace, and he really can't meet the expectations of His Majesty and the queen...... That's good, the minister gives the queen ten bottles of perfume and a hundred pieces of soap every month, which is considered a courtier's filial piety to you. The minister has entered the clan, and he can be regarded as the younger generation of His Majesty and the queen, so he should be filial, and I hope that the queen will not refuse. As for the rest, the ministers will account for it at cost price, and they will never dare to make a penny in the palace, please rest assured that the queen will not worry. ”

"That being the case, then the palace will be disrespectful." Empress Changsun is a smart woman, she wants to give the palace the rest of the money, but she doesn't want to owe Li Mu favors. Li Mu also understood what she meant, so half bought and half gave away, which was exactly what she wanted.

Now that he has talked about the matter of internal money, Li Mu, the internal order, has to say something.

"Tell the queen that the minister has come up with a good way to deal with the income of the internal money. Just about to tell His Majesty, the minister heard His Majesty mention that the queen has the name of 'hidden appearance in the palace', and the minister wants to say this method, and ask the queen to check it to see if it is suitable, so as not to make a joke in front of His Majesty. ”

Empress Changsun said with a smile: "This palace is the queen, and she only cares about the affairs in the palace, and the major affairs of the court, and the palace should not ask about it." You better wait for Your Majesty to go down to the court and go to the Taiji Hall to tell Your Majesty. The so-called 'hidden phase' and the like, don't mention it again, this palace is only the queen and does not participate in the affairs of the court. ”

Li Mu hurriedly said: "The queen misunderstood the meaning of the minister, and the minister meant ...... It was not to chase the queen to the queen, but to ask the uncle to give the boy an idea. ”

In fact, Li Mu's father is a few years older than Li Shimin. Although in Li Mu's memory, there is almost no impression of his father, but from the age of Li Mu's mother Sun, one or two can be inferred. Sun is Chinese New Year's Eve six years old today, and Li Mu's father is older than Sun, at least thirty-six. And Li Shimin is only thirty-two years old this year, and he should be called his aunt, but the rules of the royal family are not based on this. Li Mu entered the clan, but Li Mu was personal, and from him onwards, he was a member of the Li family in Longxi. And before him, it depends on whether he pushes grace or not. If you push grace and posthumously seal Li Muzu, it is another kind of title. Nowadays, I can only call my uncle and aunt.

"What do you say...... Empress Changsun hesitated for a moment, and said, "If that's the case, well, you can tell it and listen to it." ”

A few days ago, the little nephew received 2 million yuan of the company's share subscription, which is now stored in the ice cellar of the Ministry of Industry, and a company called "Bank" is responsible for managing the money. The money is also useless in the ice cellar. But if it is misappropriated, I am afraid that those shareholders will not agree. Therefore, the little nephew came up with a way to use the money and add a lot of income to the internal funds. ”

These things, the eldest grandson and queen have all heard Li Shimin talk about. Two million yuan of money, even as an emperor, is coveted. Since Li Shimin ascended the throne, he has been a poor emperor, and there are many places where he uses money, and no amount of money is enough to spend. If you don't promise Li Mu, let him deal with it with all the powers. When Li Shimin saw the two million yuan, he had already spent it all.

Listening to Li Mu, there is a way to solve this problem with the best of both worlds. Empress Eldest Sun was also curious about what the method was, and asked, "I wonder what your plan is?" ”

Li Mu smiled and said, "Lending." ”

"Lending?" When Empress Eldest Sun heard these two words, she couldn't help but be a little disappointed, she thought that with Li Muzhi's magic, she could really come up with a good way. But I didn't expect it to be a loan, and I was a little unhappy in my heart, but I didn't say it directly, and said euphemistically: "Although this lending policy can be profitable, it is extremely hurtful to the people." If you ask what Hongu means, Hongu will not agree. ”

The reason why Empress Changsun said this is related to the social environment of the Sui and Tang dynasties. There is such a poem in the Tang Dynasty, which describes borrowing.

New silk is sold in February, and new grain is sold in May. Heal the sores in front of your eyes, but tear off the flesh of your heart.

As everyone knows, in February, the silkworm has not yet been born, where does the new silk come from. The May grain is not yet ripe, where does the new grain come from? But there is no way, who made you owe money?

Although the silkworm has not yet grown, it has already mortgaged the new silk that will be earned. Although the grain has not yet been harvested, it has become someone else's storehouse. Therefore, this is called curing the sores in front of the eyes, but stripping the flesh of the heart. There are also those black-hearted loan sharks who lend money when they are not in stock, and the borrowers are forced to have no choice but to repay the loan at half price for silkworms and rice seedlings. If this is not enough, you will have to borrow money at a higher interest rate elsewhere to solve your immediate needs. As the saying goes, some people are eager to sell and consume their half straight, and those who are not asked for fake will pay them twice the price.

This creates a vicious cycle that makes the poor poorer even poorer, until they are sold into slavery or even commit suicide.

The reason for this extreme consequence is that the interest rate on the loan is too high. Lending as a form of business has existed since ancient times. According to legend, the person who invented this method was Fan Li, the "Shang Sage" who married the beautiful Xi Shi in the Spring and Autumn Period and helped King Goujian of Yue to take revenge. There are two types of loans: normal loans and usury. Fan Li is doing normal lending, the so-called eleventh interest, that is, one-tenth of the annual interest rate, beyond this standard, it is usury. During the Sui and Tang dynasties, both the people and the government engaged in usury.

There are two kinds of usury in the Tang Dynasty, and the distribution is the credit loan of later generations, which does not need to be mortgaged, but needs to be guaranteed by a guarantor who has the ability to repay. The pledge is a mortgage loan, which needs to be secured by the borrower's real estate or physical property.

Compared with the Tang Dynasty, the people who borrowed money in later generations were happy. In later generations, the maximum interest rate on bank loans was only 5 or 6 percent per annum. And in the Tang Dynasty, the high interest rate was terrible.

In order to engage in loans, Li Mu once went to the Ministry of Civil Affairs to check the files.

In all dynasties, there were official loans. Although the imperial court was very poor in the early Tang Dynasty, it also had an official loan institution, which was called the Gongshu. When Li Yuan ascended the throne as emperor, the interest of the Dinggong Mansion was 100 percent. What is this concept? If you take out a loan of 10,000 yuan and pay it off after a year, you will have to repay 20,000 yuan! What's the difference between this and money grabbing?

However, this is already the lowest interest rate for lending. Because of private lending, the interest rate is higher! At least three times! That's 300 percent interest!

When Li Mu saw these files, he thought that there was an error in the records, so he specially asked someone, and it was really 300% interest. This is corroborated by a homicide. There was a poor man surnamed Peng who borrowed two stones of wheat from a rich man named Gao in May, and returned four stones in September. The rich man surnamed Gao also said that he owed money and wanted to catch his daughter to settle the debt, and was stabbed to death by a poor man surnamed Peng.

The interest is twice the principal in four months, and the annual interest is as high as 300 percent, which is not enough, which shows how exaggerated the interest rate of this private loan. The reason why private loans, such high interest rates, and human loans are because the public party has no money to lend. The Ministry of Civil Affairs can't make ends meet every year, how can there be money to release it!

Ironically, in the Tang Dynasty, the people who took out loans were basically poor people. If you can't make ends meet, who will borrow?

In the Tang Dynasty, once the people borrowed money, they basically could not turn over forever, except for selling their sons, daughters, land, and slaves, there was only one way to escape.

When Empress Changsun heard Li Mu say that he wanted to lend money, she thought that he had targeted the poor people, and she was naturally displeased in her heart.

Li Mu had done his homework, and guessed that Empress Changsun would react like this, so he didn't panic and explained: "The queen misunderstood what the minister meant, and the loan that the minister said was not to lend to the poor, but to lend to the family of the gate valve, at least it must be a big family." ”

"Lend to them?" Empress Eldest Sun frowned and said, "These people are not short of money, how can they borrow?" ”

"Because they can't do anything with the money they have, they have to borrow money." Facing the Empress of the Eldest Sun, Li Mu didn't dare to be too appetizing, and hurriedly explained: "A few days ago, when the Datang Salt Industry and Datang Mining were established, the ministers saw the enthusiasm of various families. Because many people failed to buy shares, they even grabbed land with their heads to ask for accommodation. But the shares are limited, and the minister can't be accommodating, so he thinks if he can come up with a way to help them. ”

"One day, when the minister was drowsy, he suddenly thought of a way. The emergence of Datang Salt Industry and Datang Mining will give birth to many industries. For example, in coal mines, the coal dug up has to be transported to the big city for sale, and this transportation requires the transportation of vehicles and horses, and there may be dangers on the road, and it also needs to be protected by people. Someone has to do these industries. Such a problem arises, the person who wants to do this business may not have so much money turnover, even if he has the heart, he can only miss it. At this time, the minister came out to help them, and the minister lent them the money from the bank, let them start the business, and wait until they made a profit, and then return the money. The ministers have already thought about it, His Majesty is the Son of Heaven, and the ministers, as His Majesty's internal orders, are the messengers of the Son of Heaven. ”

Empress Eldest Sun shook her head and said, "Li Mu, have you thought things simple?" With the interest rate on lending so high, what kind of business can be earned? This palace thinks that I'm afraid you're going to make a mistake this time. ”

"No, no, no, I think that angel investment will be popular, because the interest on the minister's loan is only between one and three points! With such a low interest rate, it can be described as a love loan, don't they still rush to it? ”