"Exactly! With the training of scientific research institutes, he went to Yanzhou to set up workshops, and instructed all states and counties to pay attention to whether there is stone paint. Li Shimin nodded and ordered.

People who know a little bit about the military are very clear about the fierce fire oil, and of course they all agree with the control of oil fields.

"Father, Princes, here are some opinions about gold coins, silver coins, and samples." Feng Daiwen took out the prepared materials and samples, and handed them to everyone.

It is no longer appropriate to call the three provinces and six departments like this, not only the personnel and departments are much more, but the responsibilities are also more detailed.

Today is a discussion, and the head of the Tang Dynasty was called by Li Shimin more than a dozen people, as well as a group of secretaries.

Since the restructuring of the secretary and supervision, more than 100 people have been active in the leaders of major departments in Datang, whether it is left and right, or the chief officials of the three provinces, they are full of praise for this system, believing that it not only saves time and effort, but also cultivates talents.

After all, it is also a good thing to have a few assistants to help deal with chores, daily office, all kinds of orders, documents are passed on, and you can spend every day easily without leaving home.

Now Datang officials, especially civil officials, only need to see if they are valued or not, and there are a few people who know, at least one person, at most three people, Xiao Yu is old, and he is deliberately equipped with one more.

"May I ask Wei Guo, you proposed that the state-owned money bank here, is the interest on the loan too low, and others do not charge custody fees for depositing money, and there is interest. How to ensure profitability in the middle. Fang Xuanling, who was in charge of commerce, saw that everyone had seen it, and asked Feng Daiwen, who was slowly sipping tea.

"When the people or merchants deposit their money in the bank, they naturally need to pay interest, otherwise why would they be willing to deposit it, and lend the silver they have deposited to the merchants, the people, and the difference in price generated in the middle is the point of interest." Feng Daiwen explained.

"Since the money village belongs to the imperial court, if the imperial court embezzles funds in the future, it will be easy to cause chaos." Wei Zheng asked.

"So here's one thing, any reception must have a corresponding mortgage, and it must not be more than 70% of the total value of the item.

The opening of the money bank naturally requires the court to deposit a large amount of gold and silver as a guarantee, and if the court needs to embezzle it in the future, it must not exceed the guarantee fund deposited in the bank. Feng Daiwen came to explain to them today, so he naturally did his homework.

"Isn't it that I can't use it?" Although Li Shimin likes his own portrait on the gold coin, he really doesn't understand whether it is appropriate for the money bank to operate in this way.

"Indeed, the establishment of the money village must be an independent department, subject to the supervision and control of the imperial court, but no matter who is not allowed to embezzle, everything is to regulate the economy and facilitate the people.

If you join the Datang Money Village and open it in other countries, you can easily make other countries poor and cause turmoil. Feng Daiwen continued to explain.

For what he can't control, Li Shimin rejects it in his heart, but when he hears the effect, he thinks it's worth a try.

"How can it be used to regulate the economy?" Fang Xuanling asked again.

"The role of the bank, for example, if a businessman deposits money in Chang'an, he only needs a voucher to withdraw it from the bank, which is not only convenient, but also safe.

The most basic point of regulating the economy is that when businessmen disrupt the market, they can forcibly intervene and control the local government with their strong strength, which can also make it easier for local small businessmen to borrow money and tide over the difficulties.

According to the investigation of the lower officials, the money of the public party has made countless people miserable, and there are even many nobles and wealthy businessmen who lend money privately, causing many families to die. Feng Daiwen explained with a frown.

In the first year of Wude, the civil and military officials were formulated, and the capital of the public party was set up, which was operated by the state decrees, and each person took 50,000 yuan as the principal and handed it over to the merchant to operate, with a monthly interest of about 4,000 Wen, and the annual interest was about the same as the principal, and the interest collected was paid monthly according to the person, called "monthly material money". (That's the official lending.) ）

The people present naturally know about the public money, after all, the people here are all profiteers, so although Feng Daiwen is reasonable, there are too many implications, and it was set up by Li Yuan, so many people don't know how to speak.

"Ahem! It is actually a good thing to set up the capital of the public party, but it is only that many petty officials pretend to be public and private, and force them to lend, which makes the people slightly dissatisfied. The eldest grandson Wuji excused himself with a fake cough.

"Huh! Asking for double the interest in a year, please ask Zhao Guogong, how many businessmen can do this, and how many businesses have such profits; Moreover, Datang is changing with each passing day, and the irrationality should naturally be changed, and at the same time, it can also crack down on private lending, which is a great thing both in the present and in the long run. Feng Daiwen smiled and asked the eldest grandson Wuji.

"Wei Guo is reasonable, and now there is no shortage of officials in the imperial court, and I will tell the emperor about the cost of the public party, and then cancel it." Li Shimin saw that the eldest grandson Wuji was speechless and could not refute, so he immediately spoke out to relieve the siege.

"Father is wise! Datang business is developing steadily, as long as it is vigorously supported at this time, it will naturally be able to obtain rich benefits, lending is just killing chickens and eggs, and it is not beneficial to the imperial court. Feng Daiwen immediately complimented.

"My Emperor Shengming!"

Someone took the lead, and Li Shimin himself said that it was canceled, whether it was sincere or false, everyone was more flattering.

"In the four years of Zhenguan, the total commercial tax revenue is 4.5 million yuan, and it is still increasing every year, which is enough to pay various expenses, and the minister also believes that the capital of the public party can be abolished.

At present, there are thousands of workshops in Chang'an, Luoyang, Shuofang, Liaoxi, Jiangnan, Shuzhong, Nanyang, Lingnan and other places, and they are spreading throughout the country, and it can be expected that the tax will inevitably increase significantly.

However, merchants come and go, carrying gold and silver is easy to lose on the way, and secondly, large-scale transactions need gold and silver, and it is very troublesome to transport, so the minister seconded the establishment of a money bank, which is convenient for gold and silver exchanges, and the merchants can directly complete the transaction in the bank, and it is also convenient for taxation. Fang Xuanling read Feng Daiwen's plan several times, thought about it for a long time, and then stood up and listed a few benefits to support it.

"The old minister seconded the proposal! Although the capital of the public party can generate benefits, but after all, the impact is not good, the money bank borrows, the interest is low, but there is always income, and it can vigorously crack down on private lending.

If you can lend money to the people, you can also let many people in difficulty get through the difficulties, and there are countless people, it can be said that the merit is in the present and the benefit is in the future. Xiao Yu also stood up in support.

Generally, private lending is mainly concentrated in landlords and families, because they are deeply rooted in the local area, so they have the capital to lend to the local people.

Of course, there were many temples and Taoist temples that were doing the same thing, but they were cleaned up, which was basically eliminated.

As for the new Xungui, after all, the time is not long, the family background is not thick, and even if there is not much loan, even if it is canceled, it will not have much impact on them, of course, they will agree with it.

(End of chapter)