After Li Chengqian said this, everyone present began to think lively. 35xs

If it was really like what the prince said, they would get interest every month, and they would also want to put their money in the bank.

How much money can you have over time?

No one in this world will dislike having a lot of money, but everyone has a different path to get rich.

Some people follow the principle of a gentleman who loves money and takes it in the right way! Make money through legal means to get the wealth they deserve.

And some people don't care so much, as long as they have money, they can sell anything, and they can do anything that hurts nature.

"Your Highness! How exactly should this bank work? How is interest calculated? Li Jingxuan asked.

Everyone's eyes were focused on Li Chengqian, and this was a matter related to the interest on everyone's deposits.

"One percent interest is given every month, and all the money deposited to the Datang Royal Bank starts with one hundred copper coins, and you must save enough for one year to give interest, otherwise there is no interest on a penny." Li Chengqian stated his standards.

In fact, as early as the Tang Dynasty, there were similar institutions called counters for some banking businesses, which first appeared in the early years of Tang Xuanzong.

The main business of the cabinet is to keep gold and silver property on behalf of merchants, collect a certain rent, and when merchants need to use it, they can withdraw it with a post (equivalent to a check) or a token.

At the same time, it also charges interest on foreign loans, which can be said to be the earliest prototype of banks in China.

However, the predecessor of the cabinet shop evolved from the Didian.

The store is a storehouse, a shop, and a guest house, and in addition to helping people store goods, they can also buy and sell goods, and provide a place for food and lodging.

Li Chengqian, the royal bank of the Tang Dynasty, was similar to the cabinet in the early years of Tang Xuanzong, but it was different.

The difference is that the cabinet shop supports the operation of the cabinet by collecting rent for helping to keep the property, etc., which is equivalent to a locker.

Banks, on the other hand, are different in that they are fund-raising, pooling everyone's money and charging high interest by lending it to others.

Banks, on the other hand, need to pay a little interest to the people who save the money, and the bank acts as a transit point in this.

Datang Royal Bank will focus on these two businesses for the time being, and as for other businesses, it will not be too late to increase them in the future.

In the future, it is necessary to develop insurance, pensions, social security funds, etc., so as to benefit the people of Datang and let them live a better life.

"What do you think of the idea of the widow bank? If that's possible, just do it? Li Chengqian asked.

As the crown prince, Li Chengqian can set up the Datang Royal Bank without their consent.

But he alone can't play with the entire bank, not to mention, he also has to supervise the country and deal with government affairs every day.

Where there is the effort to manage the affairs of the bank, the affairs of the bank can only be handed over to the confidants and courtiers.

Li Chengqian, as a traverser, naturally had to vote democratically on whether the bank's plan could be passed.

Li Chengqian believes that as long as the money saving clause is introduced, many people will rush to deposit their savings in the Datang Royal Bank.

After all, you can still get interest on depositing in the bank, and who doesn't want to take the benefits.

Greed for small and cheap is one of the bad roots of human beings, and when the time comes, the matter of getting interest on bank deposits will be spread, and I am afraid that no one will invest money in the bank.

As long as they do what they say, the bank will be able to do it, and Li Chengqian has already given a standard for how to pay interest.

As for such lending, Li Chengqian has no need to worry about this aspect, because most of these people are all kinds of good hands when it comes to charging high interest on lending.

Lending is too simple for them.

"Your Highness! This bank is good, but does this bank allow the private sector to set up? Zhao Jie asked.

In the view of Zhao Jie and others, if the bank is really as Li Chengqian said, the bank is simply a good industry with no capital and no profits.

The high amount of money lending alone is enough for them to make a lot of money, and they are also very impressed, and if Li Chengqian agrees that the private sector can also apply for private banking, they will not hesitate to participate.

"This is naturally not possible, banks can only be run by the imperial court, and private banks are strictly prohibited." Li Chengqian said without doubt.

In this matter of the bank, Li Chengqian will not give in no way.

Since ancient times, monopoly business has been the most profitable, and Li Chengqian naturally will not share it with anyone.

After hearing this, everyone was somewhat disappointed in their hearts, such a good tool for making money could only be grasped in the hands of the imperial court, and they were somewhat depressed.

"So if you have any other views and ideas, you may wish to express your own opinions, speak them out, and discuss them." Li Chengqian said.

"The minister thinks that there is no need to discuss the bank, and the minister should support His Highness for such a matter that benefits the country and the people!" Duhe was the first to stand up in support.

"The minister seconded the proposal!" Zhao Jie was the second to stand up in support.

"The minister seconded the proposal!" Li Yifu, Li Jingxuan and others also expressed their support.

"Well, since everyone supports the establishment of a bank by a widow, the next step is to choose a location, where should this bank be built?" Li Chengqian asked.

"Your Highness! The minister thought that the bank should be established in the bustling West or East Market, where the most people came and went. ”

"In this way, it will be easier for merchants to borrow money, and it will also be convenient for everyone to deposit all their money in the bank." Li Yifu said.

The east and west cities are the industrial and commercial areas of Datang, and most of the people consume here.

Choosing the address of the establishment bank in these two places can be more convenient for everyone.

"Good! Just do what the Yifu said, where is the specific now, this matter will be handed over to the Yifu to handle it, and you can start it, and the widow will appoint full authority to deal with this matter, and you must run the bank within two months. Li Chengqian said.

"Thank you, Your Highness!" Li Yifu was overjoyed and hurriedly saluted.

"If you don't have any other opinions, let's all disperse! That's all for today. Li Chengqian said.

"Retire!" The people stood up and saluted, and withdrew.

After Li Yifu left the main hall, he left in a hurry, the prince only gave him two months, and he didn't have the time to delay it.

Li Yifu went to the east and west cities to investigate, and finally chose a site in the east market, and then requisitioned a shop here, directly transformed into a bank, as the bank's head office, and selected a place in the west market as a branch of the bank.

The reason why Li Yifu chose Dongshi as the head office is because Dongshi is close to Ouchi, and there are many mansions of royal nobles and dignitaries in the surrounding area, and most of the goods handled in the whole market are high-class luxury goods to meet the needs of royal nobles and dignitaries.

There are more wealthy people here, and there are more businessmen, which will definitely bring huge profits to the bank.

(End of chapter)