The Wuyan clan received ten times the income by investing in Emperor Xiaojing, and now there is no war in the Han Dynasty.

Liu Che is not the kind of emperor who will borrow money from Ziqian's family if he has no money in the war, so these businessmen who put Ziqian have greatly reduced the loan interest rate.

The incorruptible put five profits and one, and the greedy put three profits and one.

And the saltless family happens to take the balance value in the middle, and they put four benefits and one.

The interest rate on the loan is as high as 25% per annum.

Although Zhang Yuan was unhappy with these loan sharks, he knew that the wicked still need the wicked to grind.

In the future, after Liu Che has a deep foundation, people will also become shameless.

The collection of property tax began with Liu Che.

The richer the people, the more taxes they need to pay, and now the money they make as businessmen will spit it out sooner or later.

For the accumulation of wealth, no one in the world today can match Sang Hong sheep.

As a pioneering dynasty, Liu Che did many unprecedented things during his reign.

State-owned enterprises in the true sense of the word also began at this time.

Property income tax is also levied from the time of qualification.

In the end, it will be a heavy blow to all the merchants in the world.

A 10 percent income tax was levied, and then the decree to report other people's property was like a peasant who wanted to kill the landlord's wealth.

What is done in the middle of a dynasty is not much different from what was done at the beginning of a dynasty.

The end result, of course, is that the wealth of society is forcibly cleared, the middle class is collectively bankrupt, and the people's desire to make money is greatly reduced, because the money earned will be taken by the government.

As for the treasury, of course, it is full.

These are nothing, and if the economy wants to develop, it must first circulate.

Sang Hongyang finally extended his hand to the circulation field in order to collect money for Liu Che.

In just a few decades, Sang Hongyang helped Liu Che block all the outlets for private capital, as well as all the ways for industrialists and businessmen to make a fortune.

The imperial conquest became the largest or even the only banker, entrepreneur and wholesaler.

Zhang Yuan said that this may be the time when China is closest to an ideal society, when capitalism is all killed, and the country is the only one to become the largest capitalist.

Sooner or later, these loans from the Wuyan clan will be a dead end, and even if there is royal support behind them, they will not carry it.

Sooner or later, Liu Che will understand that using the power in his hands to run a business will make all the wealth in the world continue to enter his pocket.

And what Zhang Yuan wants to do now is actually to confront Liu Che and the government.

If Wuyan helped Zhang Yuan first promote the five-baht coin, and then let the people regain confidence in the market and the economy, the currency would regain credibility.

There is a high probability that the Han Dynasty's tax revenue will be sufficient to cover the huge war expenditures.

When Dahan's finances are no longer negative, he can reach a balance of payments, and even have a surplus for Liu Che to squander, it is very likely that there will be no later destruction of commerce.

Zhang Yuan doesn't like capital, but he doesn't like business.

For a country to flourish, its economic activities are bound to be healthy.

The market has its own rules, and the state can be a reflection of credibility, but when the state ends up wrestling with businessmen, then it is an unhealthy phenomenon.

The state can regulate it, but it can't do it personally.

If you really do this, it will be an act of dimensionality reduction.

Regulation is to prevent monopoly enterprises in the market, once a certain industry or many industries are monopolized by one enterprise, then the victims will be consumers, that is, ordinary people.

Both the capitalist and the state may profit or suffer, but whichever side suffers damage will eventually pass on to ordinary people.

Therefore, stable development is the most important thing, thinking about rebates to ordinary people, and those who say and believe that there is basically a problem with their brains.

Ordinary people are already making a lot of money without losing money, and it is impossible to think that they can live a good life through a certain capitalist or the country, so they can only rely on their own efforts.

Zhang Yuan is well aware of this, so he did not shy away from wanting to choose the saltless family to promote the five-baht coin.

Early the next morning, Zhang Yuan woke up from Zhuo Wenjun's arms and did not go to Qingpingfang to see how the business was doing.

You don't have to guess to know that the people around Chang'an know that the price of paper is reduced, and they will inevitably flock to it.

One-twentieth of the price is enough to make the rich people of Changlingyi in Maolingyi excited, and they don't need to come to Chang'an City in person.

All they had to do was send their own servants from their own house.

It's just selling paper, and if no one is going to exchange it, you don't need to look at it.

So after Zhang Yuan confessed to Lao Zhao a few times, he planned to go to the Wuyan clan's mansion in Chang'an City alone.

Naturally, it was a place where the nobles gathered.

But to the east of Dongshi is where the civilian dwellings of Chang'an City are located.

The reason why Dongshi is called Dongshi is not because it is located in the east of Chang'an City, but because it is located in the east of Xishi.

Even when the Wuyan clan invested in him when the merchants and nobles of the country thought that Emperor Han Jing would not win, they still did not achieve a higher title.

Emperor Han Jing is also very open at this point, and the money is not less than a point for the Wuyan family, even if there is gratitude in his heart, he has not broken the rules, so that a businessman is among the nobles.

Zhang Yuan has not yet been to the northeast corner of Chang'an City.

After asking passers-by on the way, he learned that the mansion of the Wuyan clan was the most extensive building here, and Zhang Yuan easily found it.

As a Ziqian family, in order to show his strength, the lintel of the Wuyan clan looks like that kind of golden and palatial.

As for the shops that the Wuyan clan lent money to various places, there was actually one of the greatest uses that had not been discovered.

These lenders can set up the initial bank.

The shops below them all store a large amount of money, and if they can open the function of storage and withdrawal, they will have the prototype of a money bank.

The biggest question is credibility, why should people believe in these usury.

It is impossible for Liu Che to endorse these Ziqian families, Zhang Yuan thought about it briefly, and then shook his head to let this idea, which now seems a little ridiculous, dissipate.

After taking a breath, Zhang Yuan walked towards the Saltless Clan's mansion.

Taking a deep breath does not mean that Zhang Yuan is nervous, but he is worried about the difficult situation that may arise later.

There is no businessman who does not love money, and there is no profit driven, and it is really difficult to get the Wuyan clan to implement the five-baht coin for Zhang Yuan.

"Whoever comes, this is the Saltless Clan's mansion.

If you want to borrow money, there is a Shio-free shop in Nishishi. ”

Even if there can be no samurai guarding the door, a few servants can watch the door.

"Ben Hou is not here to borrow money, go in and tell your family master that Xin'an Hou wants to see him."

"Are you Xin'anhou?"

"At the feet of the Son of Heaven, Ben Hou will tease you as a servant?"

"The villain will enter the house and spread the word, and please wait for the Hou Ye."

The servants at the door didn't dare to let Zhang Yuan wait at the door, so they immediately welcomed him in.

The servant of the pass ran quickly inward in three steps and two steps.

Zhang Yuan didn't look like he was begging for help.

It is a great honor for the lieges of the Han Dynasty to be able to come to meet a merchant in person.

If the business can be done, if it can't be done, then the Wuyan clan will completely offend Zhang Yuan.

Now even if the Huang clan in Shuzhong appeared in front of Zhang Yuan in any disrespectful place, Zhang Yuan would be able to easily kill the Huang clan.

For Liu Che, if the Huang family is gone, he can get another Lin family, and if the Wuyan family is gone, there will be a Bing family in the land of Qilu.

And the dignity of the liehous cannot be lost, can the more than 200 marquis of the Han Dynasty watch Zhang Yuan being bullied by a businessman?

It's definitely impossible, and this kind of thing can't start with this.

The princes could target each other because they were all in the same class.

It's like a certain capitalist who donates a lot of money to Harvard, but doesn't donate a penny to the grassroots education in his country that needs it the most.

Rich people only help rich people, but it doesn't prevent them from competing with each other.

Zhang Yuan didn't wait long.

A middle-aged man walked over with a panicked face, followed by the servant who had just entered.

"It's really a sin for the villain to make Xin'an Hou wait for a long time."

The middle-aged man walked over quickly and gave Zhang Yuan a ninety-degree bow, and he didn't dare to stand up straight without Zhang Yuan opening his mouth.

"Get up, Ben Hou didn't wait too long."

"Yes, Master Hou, please, a little snack and wine have been prepared inside."

Zhang Yuan nodded lightly and strode inside.

No matter how luxurious the mansion of the Wuyan clan is, it is impossible to be more luxurious than Zhang Yuan's Hou Mansion.

A crime of trespassing, Wuyan can't bear it.

That is, the door should be more open, and the inside is actually very low-key.

In just a moment, the people of the Wuyan clan had already prepared the front hall with things for hospitality.

This execution and vision can be seen, and people deserve to make money.

Zhang Yuan didn't ask the name of the middle-aged man, and sat directly on the top of the main seat.

If the Wuyan clan was an official, even if Zhang Yuan's title was higher than him, Zhang Yuan would not sit on the throne.

But the Wuyan clan is not a family of eunuchs, and Zhang Yuan's sitting in the second position will only make them think that Zhang Yuan is here to find trouble.

"Master Hou, what is the matter with your visit to the villain's mansion today?"

The middle-aged man asked Zhang Yuan with a flattering smile.

"Naturally, there is something to do, but Ben Hou's affairs are not in a hurry.

I haven't asked your name yet. ”

"The villain's name is Wuyan Lang, and he is the current head of the Wuyan clan."

"Oh, it's really disrespectful, it turns out to be the head of the saltless family."

Zhang Yuan was polite and began to eat the fruits and desserts on the table.

The more he didn't speak, the more uneasy he became.

Wuyan Lang wanted to interrupt Zhang Yuan's eating many times, but he couldn't say anything when the words came to his lips.

In the morning, Zhang Yuan was like he hadn't eaten breakfast.

Although Zhang Yuan has been eating, his eyes have been glancing at Wuyan Lang.

Seeing that sweat was already oozing from his forehead, Zhang Yuan clapped his hands and stopped eating.

"Not only is the business of Wuyan doing well, but the desserts in the house are also doing well."

"If Master Hou likes it, the villain will send the chef who makes desserts to the Hou Mansion in Xin'an."

"The head of the saltless family is still a bright person, but the gentleman does not take the favor of others, if Ben Hou thinks of this in the future, he will come to disturb it."

Wuyan Lang heard that Zhang Yuan still wanted to come, and he was anxious to climb on the hot pot with ants.

The official doesn't want to have anything to do with the businessman, and the businessman doesn't want to deal with the official every day.

Get close to the government, stay away from politics.

That's the way of doing business.

"If the Hou Ye can still come to the house, the villain will definitely do his best to entertain the Hou Ye."

Zhang Yuan glanced at Wuyan Lang with a smile, knowing that although he was now holding him to death, he had not yet been involved in the interests after all.

"Alright, let's get down to business.

Ben Hou came this time to ask for something from you. ”

What Wuyan Lang is most afraid of is this sentence, Zhang Yuan is not the only noble who wants to come to Wuyan to fight the autumn wind.

But the rest of the people knew that the Wuyan clan was behind the royal family, so they would retreat by themselves.

However, there will still be new aristocrats who do not understand the distribution of benefits and will come to the door repeatedly.

Zhang Yuan is now in Wuyan Lang's heart, and he is the kind of person who wants to fight the autumn wind.

"Master Hou, the villain's business doesn't make much money.

Most of the cases have been paid tribute to the big man, and I ask the Hou Ye to be considerate of the villain. ”

"Don't worry, Benhou has a lot of money, not much worse than your Wuyan clan.

I'm not here to ask for money, I'm just here for a small favor. ”

Wuyan Lang knew that Zhang Yuan was not here to ask for money, and his heart instantly relaxed a lot.

"Master Hou, please say, as long as the villain can do it, he will definitely serve the Hou Ye."

"What kind of copper coins do you usually use for loans?"

Wu Yanlang's heart that had just relaxed suddenly tensed.

He began to worry that Zhang Yuan wanted to do his own money business, although he was worried, but Wu Yanlang still said it honestly.

"Naturally, it's half a tael, and if something happens, I will put some gold outside.

As for the recovery, it is also a full two and a half taels of coins, and our Wuyan clan will definitely not use privately minted copper coins. ”

You don't have to mint copper coins privately, so what can I do?

Zhang Yuan's heart also sank.

Do you have to go to Liu Che to ask for an edict to implement the five baht money?

"You know that Your Majesty has always had a headache with copper coins.

Ben Hou wanted to relieve His Majesty's worries, so he minted a new copper coin.

The craftsmanship is exquisite, weighing five baht, which is better than the copper coins circulating in the market.

If the private caster wants to mint five baht privately, Benhou can guarantee that they will not even get the capital back.

But now it is a little difficult to implement, I don't know if you can exchange all your family's copper coins for five baht coins.

In the future, you will only lend five baht, and you will only receive five baht. ”

It is true that only usury is the most suitable option to implement the five-baht penny, in the current situation.

The interest rate set by Wuyan is 25% per annum.

When those borrowers need to repay the money, the extra 25 percent has to be 5 baht.

In this way, how much five baht money is released by the Wuyan clan within a year, Zhang Yuan's counter here to exchange five baht coins will have to be exchanged for at least 25 percent of the five baht coins in the next year.

And people borrow money just to spend it, and it is very likely that those who borrow money do not have a single five-baht coin in their hands.

Then you can only come to Qingpingfang to exchange, so the proportion is likely to be far more than 25%.

The proportion in Zhang Yuanxin's heart is more than 50 percent.

As for how much money the Wuyan clan can release in a year, Zhang Yuan feels that this number must be above 100 million.

Assuming that the Wuyan clan only puts 100 million, then Zhang Yuan's side will flow out of 50 million.

The person who borrowed the money on the last day of the year will pay it back on the last day of the following year.

For two years, the Wuyan clan put 100 million every year, plus the 50 million that flowed out from Zhang Yuan's side.

Then within two years, 250 million copper coins will flow out of Zhang Yuan's hands.

The role that these 250 million copper coins can play is not only the role of lending and repayment.

Once it is in circulation, the public will slowly accept such a beautiful workmanship, full weight, and not easy to imitate.

The people who don't have much money are okay, and those nobles will definitely find a way to exchange all the copper coins stored in their homes for five baht coins.

This is a complete plan for Zhang Yuan, so that the Wuyan family can help promote the circulation of five baht coins in the market.

This is how good money drives out bad money.

The Han should not be an economic manifestation of bad money driving out good money.