When the new thing of money bank appeared, not many people recognized its prospect and how much money it could make.

However, in less than two years, after a capital injection and share expansion, coupled with the increasing prosperity of the Silk Road trade, the business volume of the bank suddenly skyrocketed, and the income also shocked the shareholders.

In fact, in Xu Qilin's view, this is already a relatively slow result. But there is no way, the establishment of credibility cannot be established overnight.

In particular, remote exchange in different places, for merchants, can only be used in small tentative ways first. Once, twice, or even many times before you can put your mind at ease and start doing big business.

And the collection of money can only be carried out on merchants. In ancient times, individuals still preferred to keep their money at home, or put jars and bury them in the ground.

Even so, the bank's funds are sufficient to support the lending business. This project was only temporarily implemented in Chang'an, Luoyang, and Yangzhou, but it achieved quite good benefits during the one-year trial period.

Especially in Chang'an, the interest is fixed, the collateral is reasonable, and it is fully executed in accordance with the agreement. There is less borrowing from wealthy and powerful people, and it is more favored by businessmen.

With abundant funds, strong background, business reputation, and the spirit of contract, the merchants are most concerned about the aspects that Qian Zhuang undoubtedly occupies.

You must know that the shareholders of Qianzhuang not only have the royal treasury, but also many royal nobles and powerful officials. With such strength, will it still be tricked, and will it hack your money?

In fact, as long as it is on the royal side, in people's hearts, it is also a kind of protection.

Qian Zhuang's lending in Chang'an naturally affected other people's income. You must know that there are not a few wealthy and powerful people who lend money. Not only does not touch the edge of the business, but can use the money to make money, but it is a fairly stable income.

At this time, it is not so easy to squeeze into the door of the big profit treasury bank. If you want to invest, people are not short of money!

Since Qianzhuang has no plans to increase capital and shares, can we open a similar joint venture by ourselves? There are not a few people who have this kind of thought, they are all people with rich family resources, connections, and power.

Xu Qilin didn't block this road, not because he didn't expect it, but planned to go with the flow, so that there will be more currency in circulation on the market, and also create a better atmosphere for the issuance of banknotes in the future.

What is a banknote, just a currency symbol. Whether the bills of exchange that are now accessed in other places can be directly spent as money and become the currency in circulation is, of course, verified by time.

Of course, Xu Qilin will not be completely laissez-faire, and supervision is always needed. Don't wait for a big incident to happen to the mixed money bank, causing public resentment to boil, and then find a way to solve it.

At this time, the regulations on the supervision of Qianzhuang were placed on the imperial case of His Majesty Li Er, and together with the regulations, there was also a report on the income of Qianzhuang in recent years.

His Majesty Li Er only knew at this time that the money village that Xu Qilin had made up would have such a profit. Originally, he just thought that Xu Qilin was a move to facilitate businessmen, but he really didn't expect that this was a way to make a lot of money.

"I understand this truth, but isn't this algorithm a little scary?"

Ma Da Secretary has eyesight, and seeing that His Majesty Li Er has signs of magnetic stunnedness, he hurriedly spoke to cover up the embarrassment that His Majesty does not understand.

Xu Qilin sent to report to His Majesty Li Er was Chen Jingxuan, the accountant of the Chang'an headquarters of Dayingku, who was already his own relative, who would he not give this opportunity to show his face?

Although Chen Jingxuan is only a seventh-grade official, he has been trained well in the past few years, and he is not much panicked in the face of His Majesty.

Bowing down and arching his hand, Chen Jingxuan opened his mouth to explain: "Just in terms of remittances, when the merchant saves a large sum, when he takes it, he spends as much as he wants. The money bank is like a pool, with more in and less out. The amount of money deposited is about one-eighth of the total, or more. ”

Ma Dami blinked his eyes and asked as if he had realized something: "You mean that one-eighth of the deposit will belong to the money bank forever?" ”

"Not forever, but for a long time." Chen Jingxuan said: "This does not include the storage fees and handling fees that have been earned. If the size of the deposit is very large, this one-eighth is a very large amount, and if it is used for investment, the income is huge. ”

His Majesty Li Er flipped through the data, and now the deposit of the money bank has reached one million guan, and one-eighth of it is more than 100,000 guan. If the deposit reaches 10 million......

"Deposit interest, loan interest, there is a difference in this interest, and it is also earned!"

Chen Jingxuan replied: "This is a fixed deposit with interest, mainly for individual users. Of course, merchants can also apply, and the storage fee will be abandoned, and only the handling fee for remote access will be charged. ”

His Majesty Li Er somewhat understands that this money bank is a means to make a lot of money. Now it's only six outlets, and there are such benefits, and when they are set up in every province, it's a behemoth!

Secretary Ma gave Chen Jingxuan an encouraging look and asked him to continue to explain.

"With Qianzhuang, it will definitely be much easier to do business. And if you put all your idle money together, you will be more effective and you will be able to do more things. For example, low-interest loans are provided to poor people to develop production; or relief to the victims and rebuilding their homes......"

Xu Cheng believes that Qianzhuang, or Yinhao, must have binding laws and regulations before expanding various businesses and before other Qianzhuang appears, so as to avoid accidents. After all, it is a new thing, and loopholes are inevitable, so we must try to prevent them. ”

His Majesty Li Er nodded, and finally spoke, "Qi Lin is thoughtful. Dayingku built a money bank, and others will follow suit. Without a unified decree and without oversight, it is easy to get confused. The money bank should be better and better, but it can't be more and more chaotic. ”

Ma Da Mi bowed down and said, "Your Majesty is wise. These charters of Xu Cheng can be taken to the household department for research and supervision, and Weichen thinks that it should also be based on the household department. ”

His Majesty Li Er bowed slightly, looked at Chen Jingxuan, and said, "Chen Jingxuan, you take my edict and these regulations, go to the household department to contact the office, and assist the household department to handle the mission as soon as possible." When Qi Lin returns to Beijing, he can make a final decision. ”

"Yes, Wechen obeys." Chen Jingxuan bowed down and thanked him.

After sending Chen Jingxuan away, His Majesty Li Er was still immersed in thinking about the new thing of Qianzhuang.

From just facilitating remote access by businessmen to now collecting deposits and expanding, the development of Qianzhuang is not fast, but the pace is very solid.

It can be seen that Xu Qilin is also quite cautious and cautious about Qianzhuang. I don't know how many times it has been changed in practice before it can be regarded as perfect as possible.

Of course, His Majesty Li Er knows that there is no perfect thing in the world, and even the laws of the Tang Dynasty have loopholes, not to mention the rules and regulations of this money bank.

And Xu Qilin's ability to take precautions and formulate regulations for supervision first has made him feel gratified. What does this mean, it shows that Xu Qilin will not make a crooked idea on the money bank and fill his pockets.

"King Bin-" His Majesty Li Er took a long time to shake off his thoughts, looked at Ma Zhou and said, "After Qi Lin returns to Beijing, I am still going to release him. In two or three years, it must be possible to make Hebei Province rich, right? ”

Ma Dabi immediately guessed the mind of His Majesty Li Er, Goguryeo is a necessary battle to surpass the martial arts of the Qin Emperor and the Han Dynasty.

"In the land of Liaodong, Zhou is the country of Jizi, and the Xuanwu county of the Han family. Before Wei and Jin, they were close to the seal, and they could not be allowed to be disobedient. ”

After a pause, Secretary Ma continued: "However, Goguryeo is not as good as Gaochang, and the Sui Dynasty's four expeditions ended in failure. His Majesty wants to compete for all the success in a battle, and it is really the best policy to send Xu Cheng to run Hebei Province. ”

Goguryeo's strength was more than ten times greater than that of Gaochang, and although there was no thousand-mile Gobi Desert during this period, the mountainous terrain and climate would still be a great difficulty for the Tang army.

The failure of the Sui Dynasty's attack on Goguryeo and the difficulty in transporting grain and grass materials should be one of the main reasons.

If Hebei Province is well managed, it can be supplied nearby, and the Tang army's chances of victory will be greatly increased.

In view of the lessons of Emperor Yang of Sui's conquest of Goguryeo, Secretary Ma had to remind His Majesty Li Er to be cautious and not to underestimate the enemy.

Last year, His Majesty Li Er sent Fang Langzhong Chen Dade and others to Goguryeo and learned about its mountains and rivers.

Chen Dade and others were watched by the road in Liaodong, and "the Sui people looked at them and cried, all over the suburbs."

His Majesty Li Er made up his mind to attack Goguryeo because of this, and he didn't pay much attention to Ma Daji's reminder, and said: "Goryeo is the four counties of Di'er, I have sent tens of thousands of soldiers to attack Liaodong, and he will pour the country to save it. ”

Secretary Ma knew that moderation was enough, and military affairs were not his forte. However, His Majesty Li Er fought in all directions and was full of experience.

……………

Remote access, or exchange, is certainly profitable. But with the level of communication at that time, it was impossible to expand too widely.

Therefore, Xu Qilin set the storage within the local scope. Local storage, local access, simplification. The business scope of foreign exchange is only implemented in Youzhou, Yangzhou, Luoyang, Guangzhou, Chang'an and Ganzhou.

East, west, north and south should be taken into account first, and then continue to increase the number of exchange outlets according to the situation. It doesn't matter if the pace is steady, the pace of expansion is a little slower. You can't become a fat man by eating in one bite, Xu Qilin is not in a hurry.

Starting from Ganzhou, Xu Qilin and his entourage were resting in Dayingku's mansion.

After several years of development, the distribution of Di shop has been very wide, or contracted, or sent to operate by themselves, and the income is very considerable.

And these shops along the post road have also carried out the business of saving money and withdrawing money. Strictly speaking, it is only for the businessmen to keep their belongings, and it does not belong to the operation of the money bank.

Every time he went to a store to rest, Xu Qilin talked with the shopkeeper to understand the business situation. Sometimes I think of a way to come up with an idea to make the store more profitable.

Relying on Didian, logistics and transportation are also carried out very well, which makes it convenient for businessmen.

You bought commercial goods in Chang'an and handed them over to the transportation team of Dayingku. Then, whether you walk with the car or go to the destination in advance to wait for the pick-up, you can arrange it as you like.

Of course, you can also hire your own leg, but the cost of transportation is more than that of the big surplus warehouse.

Because the distance between Didian is moderate, the transportation of Dayingku has also adopted the principle of section-level transshipment, which is basically not out of the county. Changing people and horses without changing cars, just like a post station, can always maintain a very fast speed.

These changes are visible in the eyes, and many clues can also be seen in eating.

Soy milk, tofu brain, fried dough sticks, and hu cakes, such breakfasts have become common in many restaurants.

Although the recipe was written by Xu Qilin as a supplement to the practical agricultural book, the increase in the cultivation of soybeans among the people can also be seen from the other side.

The addition of soybean milk and sugar has also become the standard, indicating that white sugar is also entering ordinary people's homes, and is no longer just a high-end commodity.

Along the way, while walking, the temperature is also very comfortable in the season of spring and summer, just like visiting the mountains and rivers.

But the closer you get to Chang'an, the more you can see the tension of Fang Er. This guy has become a veritable muscular man, but he is still afraid of the slaps and sticks of his parents.

"Luck is in the body, you can resist it." Xu Qilin couldn't help but joke.

Fang Er grinned and said with a forced smile: "If the adults beat them, they will be beaten, and they will suffer less, so they are not afraid." ”

Xu Qilin smiled and said: "I got a notice from Dayingku yesterday that Tubo sent an envoy to propose, and His Majesty agreed. ”

Fang Er didn't care, and said: "I'm afraid that the princess won't marry in that bitter cold place, and most of them are clan girls!" ”

Xu Qilin doesn't care which princess is married, from His Majesty Li Er to the ministers of the court, he has no objection to the marriage, and he naturally does not have the ability to obstruct it.

But he will not let it go, at least among the craftsmen who accompany the marriage, there are some techniques that cannot be passed on.

Historically, Songtsen Gampo married a princess, envied the Chinese style, sent the children of the Tibetan nobles to Chang'an Guoxue to learn poetry and books, hired scribes in the Tang realm to take charge of the table for him, and asked the Tang to give silkworm seeds and craftsmen who made wine, milling, paper and ink.

It is said that the leakage of China's silkworm technology is because of the gift to Tibet.

In addition, there are many books on agricultural production, poetry, books, rituals and music, and even skilled craftsmen from the Central Plains.

Poetry, writing, etiquette and music can cultivate sentiment, and Xu Qilin feels that it is also a good thing to make the Tibetan people gentle and elegant, although this is just a dream.

But the books on agricultural production, as well as skilled craftsmen, Xu Qilin did not plan to give. Although this may be an unstoppable opening, it can't be too easy for Tibet.

After all, agricultural books can be bought on the market, and Tubo has to send someone to buy them and bring them back, or even ask the merchant Jia to buy them on his behalf, but they can't stop it.

The control of skilled craftsmen is much easier, there are restrictions on household registration, and it will be difficult to check the relevant cards and want to be hired to go to Tibet.

Of course, not all skilled craftsmen in all industries need to be restricted. Only those that are related to the national economy and people's livelihood and help enhance Tibet's national strength.

Fang Er glanced at Xu Qilin a little strangely and asked, "What, do you have any opinions about marrying Tubo?" ”

Xu Qilin smiled bitterly and said, "What if you have an opinion?" Your Majesty has not consulted me about this, and I have only heard about it, so I will say it? ”

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