Li Xinchen's hand swept over the map, and clicked in several places on the map: "Everyone, please see, now a complete trade route has been established in our Han system, from the White Emperor City where we are at this time to the southern county and then to Ba County, and then the road is divided into two, one goes to Hezhou to Chengdu, and the other goes to Luzhou and then turns north, connecting the entire Bashu hinterland, and at the same time, the two trade routes converge in Chengdu and go north through the Shu Road to Hanzhong, and in Hanzhong you can reach Xiangyang and the northwest. ”

Tang Deng and others have bowed their heads, their families were originally from the Three Gorges and Shu Road to transport goods to and fro, for these trade routes naturally know very well, whether it is war or peacetime, the coming and going convoys through these roads, for the family to bring inexhaustible wealth.

Especially with the situation in Bashu now has been completely stabilized, the original only the main business route is now gradually expanding to the periphery, like an old tree beginning to sprout, and with Li Xinchen opening the trade route to Guanzhong, the best Shu brocade began to pour into Guanzhong, which suddenly brought great profits to the large and small merchants of Bashu, and also made them begin to face up to the Shu Road and Guanzhong trade route that had been abandoned for a long time.

It can be said that now with the full cooperation of local businessmen mainly from major families and government governments, the commerce and trade of the entire Bashu can be called thriving.

At this time, Li Xinchen actually wanted to make an article about the business route that everyone had built up with great difficulty, which made several representatives of the family surprised and wanted to see what Li Xinchen wanted to express. The King of Han will definitely not cut off his own financial path.

And Li Xinchen said with a smile: "These towns pointed out on the map just now are actually places that can't be avoided no matter how you go, so why don't we try to build some money banks in these places where commodities are transshipped and intersected?" ”

Li Xinchen gathered representatives of the major families this time in order to introduce to them the implementation methods of the money bank, the so-called money bank is actually the banking system of later generations. The presence of banks can eliminate the need for large amounts of money to carry with them, which can encourage the movement of people and goods and further promote economic development.

"What does Your Highness mean by money?" Tang Deng suddenly couldn't help but ask curiously, in the original time, Qian Zhuang was the treasury where everyone saved money, and obviously Li Xinchen's meaning of wanting to sustenance was definitely not so simple.

Li Xinchen immediately said:

"For example, we will build a money village in Ba County and a money village in Chengdu, so that when the Tang family's caravan goes to Chengdu from Ba County, it no longer needs to carry a large amount of money, but only needs to deposit the money in the money village in Ba County, and the money bank in Ba County will use the credibility of the king and the government as a guarantee to issue a voucher for you, and you can go to the money bank in Chengdu to obtain a sufficient amount of money with this certificate, of course, if your money is stored for a long enough time, Then the money bank will also give you a certain profit. ”

Tang Deng and the others glanced at each other, most of them were people who walked the trade route when they were young, of course, they also knew how difficult this trade route was, especially on the side of the Shu Road, the caravan of bulk goods passing through was indeed a worrying thing in the channeling, and in this case, if you still carry a lot of money, then it is really dangerous, not to mention that in some deep mountains and old forests, it is inevitable that there will be lawbreakers, and the threat to family wealth and human life is self-evident.

"But in this case, even if the money bank is opened by the government, how can it make a profit?" Tang Deng then asked, and the representatives of the other families all looked at him, "Even Qian Zhuang can bring us extra income, so how did this extra income come about?" ”

This is indeed a question that everyone is considering, but if you have the courage to ask it directly, I am afraid that it is the old man of the Xiajiang Tang Clan, after all, this does mean to question the execution ability of the government at a deeper level.

Li Xinchen laughed, which has to mention another important role of contemporary banks, lending!

Loans, known as sub-money in ancient times, is a common means of making money in feudal society, of course, this is mainly the local tyrants to earn the people's money, and often the interest rate of this kind of sub-money is very high, in fact, it is the so-called usury.

When poor people have to borrow money to do things, they are often caught in the trap of sub-money, and they have been working hard to repay the money all their lives, which also allows local families to accumulate wealth in a steady stream, while not worrying about those poor people challenging their status.

It's just that with the long-term war in Bashu, the local people really have no oil and water to exploit, and it is obviously faster to make money from business and trade than to bully the people, so at least these families in front of Li Xinchen have rarely put money after completing the basic wealth accumulation.

Of course, for Li Xinchen, it is impossible to copy the sub-money model of this era. This is no different from murder for money. Li Xinchen said in a deep voice: "We will lend your money to the rest of the people who need it, and at the same time we will charge them a certain amount of interest, but this interest is not too much, and the excess profit delivered to you also comes from the interest repaid by the borrower, and the profit given to you is slightly less than the profit obtained by the money bank from the borrower, so that the difference in the middle is enough to maintain the operation of the bank." ”

Although Li Xinchen had to admit that his explanation could not be said to be easy to understand, after all, everyone here was from a businessman's background, so they still figured out what Li Xinchen meant.

This can indeed ensure everyone's money and at the same time keep the bank running. More importantly, this is in the name of Li Xinchen and the government, if the borrower refuses to repay, it will challenge the authority of the government, and the government will definitely not sit idly by at that time.

In this way, everyone can not only reduce the rush of money in the process of business, but also obtain additional profits, and more importantly, Li Xinchen's approach has undoubtedly given everyone a new enlightenment. We can save money, and naturally we can also borrow, so that when the family encounters a financial crisis, we do not need to endure the exploitation of the money of the rest of the family, but only need to borrow from the government, which naturally reduces the risk in the process of surviving the difficulties.

If the interest rate of the government money is not high, then after surviving the difficulties, with the ability of each family, it will definitely be able to be repaid.

From another point of view, although Li Xinchen did not say it explicitly, none of these old foxes knew in their hearts that the start of the money village naturally required a large amount of money from various families as a guarantee, Li Xinchen was telling them a new way to make money, and he was also looking for them to seek investment.

After the battle of Xiangyang, Li Xinchen was vigorously carrying out local infrastructure construction and reducing taxes, and the treasury was completely wiped out without thinking.

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