Wang Ke knew that it would definitely not be possible for him to directly tell Comrade Li Er about his plans, because Comrade Li Er still did not understand what he was going to say, and if he said it directly, not to mention that it would be difficult to get Comrade Li Er to agree, it would be difficult for Comrade Li Er to think about it.

What we need to do now is to first let Comrade Li Er know what this matter is going on and what the benefits are.

Wang Ke knew that since ancient times, although there were no formal banks before the Qing Dynasty, there were also some shadows of money banks, but they were all very late, and they only appeared at the end of the Qing Dynasty at the earliest. However, it is certain that before the appearance of the bank, there will also be the borrowing and lending of funds, which is inevitable in any dynasty.

For the raising of capital, most of them are borrowed from relatives, and a small part is borrowed from the private sector, but because the strength of the individual is limited after all, there are still great difficulties when the demand is great, which is also an important reason for the difficulty in expanding the scale of production and low productivity, and of course, the development of science and technology at that time was also a big problem.

Wang Ke understands that he must think clearly about the various relationships in order to explain to Comrade Li Er one by one, to touch Comrade Li Er's heart, to make Comrade Li Er resonate with him, and to make his opinions be recognized.

Seeing that Wang Ke didn't speak for a long time, Comrade Li Er felt a little strange, and asked puzzledly: "Boy, why don't you speak?" I'm still waiting to hear what you say, it's so magical! ”

Wang Ke saw Comrade Li Er asking about himself, and hurriedly replied: "Your Majesty, this matter can't be rushed. The minister is thinking about how to explain this matter to the emperor, if the minister can't clearly let the emperor understand the reason for this matter, then it is useless to say it! ”

Seeing Wang Ke's serious appearance, Comrade Li Er didn't want to perfunctory himself, nodded and said, "Okay, boy, you have to understand and then talk to me, I don't want to listen to it for a long time and still don't know what to say." Today, as long as you let me understand what this is all about, you can go back to the house with peace of mind and wait for Nanping to come back to the council after giving birth. ”

Wang Ke was busy thinking about how to introduce this matter to Comrade Li Er, but he turned a deaf ear to Comrade Li Er's words. (Fastest update // ap.16 )

Wang Ke still admires Comrade Li Er in this regard, unlike many superiors, as long as he speaks, if his subordinates do not answer quickly, even if they say useless words, they will be furious, thinking that it is disrespectful to themselves. Comrade Li Er has a very clear understanding of this point, and his subordinates must answer everything that should be answered, and those who do not need to answer must not be forced, so that they will not have so many worries in the face of their subordinates, and they can do things better for themselves.

Wang Ke cautiously said to Comrade Li Er: "Your Majesty, the ministers will not explain to the emperor what this matter is and what to do. Let's talk about the relevance of this matter first, let the emperor know a rough idea and then talk about this matter specifically, I don't know if the emperor has any opinions? ”

Wang Ke's plan is to first explain the cause of this incident to Comrade Li Er, let Comrade Li Er know the meaning of this, and then slowly explain what are the benefits of running a bank, so that Comrade Li Er can think about it in comparison, and should be able to better let Comrade Li Er understand his intentions.

And Comrade Li Er is now black-eyed, he doesn't know anything, he doesn't understand anything. It's just that Comrade Li Er has an advantage, he doesn't know or understand things, so he doesn't easily assert them, but lets those who know about it explain it clearly for themselves, and asks those who don't understand, without any concerns, unlike many people in higher positions, who don't understand themselves, and are deeply afraid that others will know, and constantly suppress those who know, and don't allow others to say it, and in the end they can't do anything, and nothing can be done, so that when later people mention him, they will have a look of disdain.

Comrade Li Er nodded, let Wang Ke play freely according to his own ideas, he has only one purpose, that is, as long as Wang Ke can explain things and let himself understand, as for what Wang Ke says, how to say, he doesn't care, anyway, he doesn't understand, and he doesn't know how to say it, so it also gives Wang Ke a space to trust the horse and sway freely.

Wang Ke stood up and said as he walked: "Your Majesty, under the governance of the emperor, the common people are now very different from before, not only can they eat well, but they also have a few spare money in their hands, but they can only be stored here and there at home, and there is no fixed place to store them; In the house of this rich man, he has to clean up the house to store it. Although the emperor has reformed the numismatic system and used gold and silver as currency, the storage has been greatly improved compared with before, but there is still a place to store it, and this problem still exists. Whether it is a business or a workshop, you must have capital, and the size of this capital determines the size of this scale. Many people also want to do something on their own but can't do anything because they don't have the capital. ”

When Wang Ke said this, he peeked at Comrade Li Er, and saw that Comrade Li Er was slapping Comrade Li Er on the back because he was talking about the facts and reasoning without missing a trace, and he was leisurely and complacent, Wang Ke knew that he would continue to say in this way, Comrade Li Er would not interrupt himself, but would think that what he said was reasonable, which would be of great help to his chances.

Wang Ke cleared his throat so that Comrade Li Er could continue to listen to himself: "Since ancient times, although there has been a strong contempt for businessmen, because businessmen can make money to support their families, when there is no hope of entering the industry, many people are still willing to engage in this industry. Now the emperor encourages all industries to develop at the same time, making our Datang a vibrant scene, so that more people are willing to engage in various industries other than entering the government and farming. However, due to the cost of money, many people are unable to become bigger and stronger, which also seriously hinders the faster development of our Datang. Now, as far as the minister knows, there are some people in the people who do nothing for a day, and specialize in one thing, that is, to act as brokers between those who have spare money but do not know how to use it, and those who want to borrow money but have no place to raise it, so as to make peace for both sides, and they can also profit from it. But there is a very bad thing about this, once the person who took the money loses money, the person who borrowed the money will lose all his money, and the broker will disappear without a trace, and there will be no guarantee at all. ”

As soon as Wang Ke said this, Comrade Li Er was a little moved, what Wang Ke said was so simple and easy to understand, Comrade Li Er understood what was going on as soon as he heard it, and now although what Wang Ke said was something that Comrade Li Er had never heard of, but from Wang Ke's gorgeousness, Comrade Li Er still believed that what Wang Ke said was true.

At this time, Comrade Li Er had forgotten that this was just Wang Ke's opening speech, and asked anxiously: "Boy, isn't this making the people unable to live?" If the merchant didn't pay it, he could say that he had lost it, and he wouldn't pay it back because of the money. These businessmen are just hateful! Is there any way to punish these 'profiteers'? ”

Wang Ke didn't expect that he would say this, but Comrade Li Er caused hatred for businessmen, this was not his original intention, he just wanted to use this case to tell Comrade Li Er how unreliable this private loan is, and to pave the way for himself to say his thoughts next, but now he has been heard by Comrade Li Er, which is really a mistake of his own!

But the mistake has been caused, and what Wang Ke can do now is to make up for it, and there is no other way.

Wang Ke said to Comrade Li Er: "There may be such a situation as the emperor said, but it will not be much. After all, this businessman is very profitable, but he still has to talk about credibility, and now my Datang's household registration system is still very perfect, and it is not so easy to abscond with money, besides, unless he doesn't want to do this industry, otherwise it can only be worth the loss. But if you don't want to do it, it is probably not easy to live the rest of your life with this money. ”

Wang Ke said that there is a basis for him, although since ancient times businessmen are profitable, but the people of this era are still quite simple, and the reputation of their own family is still very important, Wang Ke has encountered such a thing several times, all his confidence that has long disappeared has begun to awaken, and the trust in this era has also increased a lot.

Comrade Li Er couldn't say anything wrong with Wang Ke's explanation, so he had to listen to it and believe it.

After Wang Ke had done all the foreshadowing, he began to get to the point at this time: "Your Majesty, what the minister is thinking now is that this kind of disorderly activity should be strictly forbidden by the imperial court!" However, since this was all done 'privately', the government was unable to respond in a timely manner. Therefore, the minister felt that instead of going around to find these people to fight, it was better for the imperial court to take over this matter, and the imperial court would do it, so that these people would have no market and naturally disappear. ”

Comrade Li Er didn't understand how Wang Ke's words were related to what he was going to ask today, and he couldn't understand how this matter could have nothing to do with his own contributions, but he could use the world's funds for his own use.

Before he could open his mouth to ask, Wang Ke had already begun to say: "Your Majesty, what the minister wants to say is that the court will come forward and set up a bank, so that people who have spare money can put the money that they don't need for the time being here. ”

Comrade Li Er felt that Wang Ke's method was good, but he couldn't understand how the common people would voluntarily send money in, and Comrade Li Er did not hesitate, and directly threw this question to Wang Ke.

Wang Ke smiled slightly and said: "Your Majesty, there is no problem with this, they are only borrowing from the private sector for profit, as long as the bank sets a rule, what is deposited at any time and withdrawn at any time can only get the lowest interest; If you deposit it regularly and can only withdraw it after a certain period of time, the interest will be different depending on the length of time, and the longer the time, the higher the interest you get. It is also profitable, there are risks in private lending, but the bank of the imperial court is guaranteed by the reputation of the imperial court and the emperor, which is definitely much safer and more reliable than private lending! Everyone understands this truth, who would put the cart before the horse and take the risk of borrowing money 'privately'. ”

Comrade Li Er understood now, but another question came up: "This is better for the people, but the interest has to be paid by the imperial court, so isn't the imperial court making a loss-making transaction?" ”

Wang Ke really laughed now, Comrade Li Er can ask this question, which means that Comrade Li Er has already resisted this matter, at least speaking, but because there are still questions that have not been resolved, all of them are not in agreement, as long as this problem is solved, Comrade Li Er will also happily agree.

Wang Ke explained: "The emperor forgot what the minister said before, people who want to do business or open a workshop need capital, and they will only find those brokers without conditions, and now there are no people who contribute capital, and if they want to make up the capital, they can only borrow money from the bank opened by the imperial court. And because this bank was opened by the imperial court, even if the borrower wanted to abscond with the money, he would not be able to escape the court's pursuit of him. Also, the person who comes to the bank to borrow money does not want to borrow and can borrow, but must have a guarantee, such as collateral, guarantor, etc., once the loan cannot be repaid when it expires, it must be repaid with collateral, and the guarantor must be responsible for repaying the insufficient part. In this way, there should be no problem! ”

Wang Ke completely explained the implementation methods and the measures to prevent losses, and Comrade Li Er was dumbfounded when he heard it, he had never heard of such an industry, let alone thought about it.

Comrade Li Er looked at Wang Ke, his eyes full of doubt. He really didn't know what this kid was thinking about all day, it was all strange things, but it sounded so 'seductive'. What I said today, from Wang Ke's mouth, listened to my ears, but it is so real, there is a solution to the current shortcomings of the people, and by the way, I can get a lot of benefits for the court, and it is really as Wang Ke said before, the investment is not big, but it can make the world's money for my use.

Comrade Li Er is not a fool, although Wang Ke did not explicitly state this truth, but Comrade Li Er has already understood that this is like the water of a river, flowing continuously to the sea, even if there are so many lakes in the place where the river flows, and the water in the river will flow into a part, but the river water that keeps pouring in behind will not dry up the rivers below the lake. This is actually a good way to benefit the people and the court to share their worries, killing two birds with one stone.

Comrade Li Er already had no opinion on this proposal in his heart, but his years of habit still did not make him lose his mind, and he knew that no matter how good this method was, it would have to be discussed by several ministers who had calculated the situation before making a final decision.

Comrade Li Er waved his hand and said: "I have already heard this matter, the method is good, and I will make a decision after discussing it with Wuji." The kid has said a lot today, so let's go home first. Take good care of my Nanping, if there is anything wrong, I will not spare you! Go ahead, and think about it later. ”

Wang Ke already knew from Comrade Li Er's expression that there was no problem with what he said, and now when he saw that Comrade Li Er let him go, he did not delay, and after saluting Comrade Li Er, he left the imperial study and went straight to his home.

As for Comrade Li Er's final decision, Wang Ke no longer cares, he only cares about when his wife will give birth to a child for him, so that he can also give birth to a level, and he doesn't have to see anyone to perform junior salutes.