"Inks and money?"

Li Shimin blurted out.

As a generation of emperors, how can you not know Yinzi money?

What is the Indian money, the Indian money is the donkey rolling, in fact, the original name should be called the introduction of money, the meaning is to use a little introduction can attract gold and silver, but because the word introduction is too straightforward, people can figure out the benefits and disadvantages when they hear it, so it will be changed to the printing money, which belongs to the ghost trick of the lender who wants to set up the archway.

Later generations mostly thought that there was only Yinzi money in the Qing Dynasty, in fact, there was already this industry in ancient China, starting from the Shang and Zhou dynasties, there were nobles who lent money, such as Meng Weijun in the Spring and Autumn Period, and some people borrowed usury from Xuecheng, because they could not repay the high interest, and finally played a means of administrative exemption.

By the time of the Tang Dynasty, lending was already common, not only common, but also varied, but all the organizations with a little money were engaged in lending money to make money.

A lot of names!

For example, the monks engaged in usury, the name is the temple incense kitchen, which means that the incense and kitchen in the temple have accumulated a little spare money, so they take it out and lend it to people who need it urgently.

Another example is the family and the gate valve to engage in usury, the name is called donkey rolling, donkey hair is originally smooth, rolling on the ground can get a body of mud, used in lending is simply very vivid, the people hate the most is donkey rolling, why, because the interest of donkey rolling is too strict.

Whether it is the soup kitchen or the donkey rolling, in fact, it is a kind of Indian money, because the soup kitchen is an industry engaged in by the temple, so the interest is set a little lower, and the donkey rolling is the industry of the family gate valve, so naturally there is a black heart.

Even if it is a fragrant soup kitchen, the interest is also black and scary, borrow in the spring, repay it in the autumn, how much is the interest, the interest is 50%

And the donkey rolled directly doubled.

Spring loan and autumn repayment, the interest is 100%

This refers to long-term borrowing, if short-term borrowing is more ruthless, for example, if someone only borrows for one month, then the interest is nine out of thirteen, what is nine out of thirteen, it is said that borrowing 10,000 yuan can only get 9,000, but when the full moon is returned, you need to repay 13,000, and the monthly interest is as high as 4,000, basically borrowing a bankrupt one.

It is precisely because the Yinzi money is so cruel that Li Shimin's face will change dramatically, and the emperor knows the harm of usury, because he also borrowed it in the year he just ascended the throne, and he borrowed 500,000 yuan from the family at that time, but he only got 450,000 yuan, and it took less than a month to repay 650,000 yuan.

A full 200,000 interest a month.

Even the emperor felt his scalp tingle.

……

Li Shimin suddenly took a deep breath, and for some reason his tone was a little panicked, and muttered: "Yinzi money, one repays three, the interest rolls over, it turns over year by year, it is borrowed in one year, it is repaid in ten years, and it is ......not over in a few lifetimes."

Suddenly staring directly at Li Yun, he asked for the first time in an extremely cold tone: "What your bank wants to do is printing money?" ”

Without waiting for Li Yun to speak, he suddenly snorted angrily, and said, "I, I won't agree." ”

"Second master!" Li Yun suddenly changed his title again, and said in a slow tone: "You can't stop this matter." ”

Li Shimin's eyes were clear, and there was a vague murderous aura.

However, Li Yun didn't seem to see it, but continued to speak: "The bank can indeed be regarded as Indian money, but it is not all Indian money. ”

Uh-huh?

Li Shimin's angry expression was about to be quickly retracted.

"Make it clear!" Although the angry expression was accepted, the tone was still cold, there was a so-called hatred of iron and steel, and what the emperor was most afraid of was that his nephew would go down the evil road.

Li Yun suddenly smiled, and even stretched out his hand to lie on Li Shimin's palm, this was the first time to be so bold, which made Li Shimin slightly stunned, but heard Li Yun say softly: "Second uncle, people will always lack money in this life." Even if it's a person like my nephew and me, who makes money from landslides and tsunamis, haven't you fallen into a cyst and shy situation for a while? As a generation of princes, I am still like this, do you think about the situation of the people? ”

"Yes, the people ......" Li Shimin subconsciously spoke, as if muttering: "Actually, it's not just you, I have also lacked money, do you remember the ninth year of Wude, when you just arrived in Chang'an, you are a homeless, and there are many homeless, since ancient times, all dynasties have strictly guarded the homeless, and if there is a slight inappropriateness, they will immediately raise a knife to kill them, only I strictly ordered the door to open, so that the homeless people can enter the city of Chang'an, the more the door of the high-gate valve, the more the homeless people must be allowed to sleep, because the eaves of the high-gate valve can shelter from the wind and rain, at least it will not let the homeless people freeze to death too much." , I still remember that you slept in the corner of Cheng Zhijie's house at that time, and A-Yao's girl also shrunk in the corner to accompany you......"

The emperor paused at this point, and said with sadness: "Don't blame me, don't blame me, you don't know, at that time, I was so short of money, I wanted to help everyone, but I couldn't get a little money in the treasury, so I had no choice but to borrow the family's money, and I collected 200,000 yuan of interest in just one month, but how much was the borrowed capital?" It's only 450,000, what is 450,000 enough? Buy more food to buy more? Tens of thousands of displaced people ate and drank, and in three or five days, they were gone. ”

This is the first time Li Shimin has confided in his heart, who would have thought how difficult it was for an emperor to be at the beginning.

Li Yun knows.

He held Li Shimin's hand and said solemnly: "Second master, this is the pain of lack of money, a penny is difficult to defeat a hero, and a penny can make the emperor unable to sleep. In this life, everyone has three disasters and five difficulties, and maybe one year will be green and yellow, and some folk families will collapse. ”

"yes!" Li Shimin subconsciously nodded again, and couldn't help but say: "It is precisely because of this that Yinzi Qian can exist, although I know the harm of Yinzi Qian, but I can't strictly order the destruction of this industry, after all, there are too many people who need to be rescued." ”

said with a wry smile, as if laughing at himself: "Even I, the emperor, didn't I borrow money to live at the beginning......

Li Yun exhaled lightly and said abruptly: "Because of this, it should be solved, since the Yinzi money cannot be extinguished, and since there will always be people who are short of money in the world, then why not let our emperors and princes do this matter personally." ”

Li Shimin was slightly stunned, and his eyes couldn't help but look at Li Yun.

Li Yun raised his hand and pointed outside, and said in a deep voice: "The bank, is where I want to lend, but the interest rate I lend is very low, so low that it belongs to the blessing of the people, although it is still Yinzi money, it will destroy countless Yinzi money." ”

Li Shimin was obviously a little hesitant, and it took a long time before he slowly spoke: "According to what I pointed out, the gap in Yinzi money is extremely huge, even if the interest rate is terrifying, there are still most people among the people who can't borrow, it's not that the people who lend money don't want to borrow, but they don't have so much money, there are so many people in the world, there are sixty or seventy million in my Datang alone, if you add your Bohai Sea and grassland, the population has exceeded 10,000,000......"

Speaking of this, he paused for a moment, and looked directly at Li Yundao: "If you want to destroy all the Indian coins now, doesn't it mean that you have to have the total number of all the Indian coins in the world?" No, it's not enough to have the total amount of Indian money in the world, you have to have at least three, five, or even ten times as much to be possible, because I just said that all the Indian money in the world can't satisfy people who are short of money......"

After another pause, he pondered: "And borrowing money is not immediately recycled, there is still a loan period, within this period your money is outside, and you have to pay for it when someone comes to borrow it, so you need to have extremely large wealth, and the amount of this wealth is definitely not something that anyone can reach." ”

After a pause again, he finally said: "But only if you meet the amount of all the people who are short of money, can you turn the industry of Yinzi money into your own monopoly, otherwise as long as one person can't borrow money from you, then he will still go to others to borrow in desperation, once this happens, you still can't destroy the Yinzi money......

He is worthy of the emperor.

Although I don't understand finance, I can see it thoroughly.

But Li Yun smiled, looked at the emperor and said, "Who said that you must use your own money to open a bank?" ”

He pulled Li Shimin out, aiming at the Chengxi branch opposite the alley.

It's better to look at it, it's time for the emperor to see the bank's business with his own eyes. Since Master Zu called out to a person who entered the door, he must have fooled that person at this time.

Whoever opens a bank is cool.

The world's money, in and out, one in and one out, slippery Kai oil, cool scalp numbness, will only get more and more cool.

……

…… There are still 18 chapters owed, and only 6,000 words were written today, and the state continues to recover.