"Zhang Wenwei."

"The minister is here."

"Your household department has drawn up a plan, I want to open a cabinet in the capital, and the name of the cabinet is Kaiyuan cabinet. The order was announced by the imperial court to the world, and silver taels were used as the transaction currency, and one tael of silver could be exchanged for consistent money. The silver tael shall not be minted privately, and the silver ingot must have the official seal number on it, and the word 'Kaiyuan' will be printed on it. ”

Cabinet shop, something similar to a bank during the Tang Dynasty.

In the middle of the Tang Dynasty, there was a "cabinet shop", and the voucher had a mutually agreed physical object, that is, a specific thing, and more used the "voucher", "book sticker", "document coupon", "coupon deed", etc., which was a single paper or origami type of single transaction record, which can be said to be the predecessor of the "passbook". The Tang Dynasty cabinet was the second name of the money bank, that is, the early bank.

"Your Majesty, there are many people in this cabinet. If the court goes to open the cabinet again, will it cause criticism? Moreover, it is unknown whether the income and expenditure of this cabinet can make money, what is our imperial court planning? Prime Minister Dugu asked.

Li Ji chuckled: "The Kaiyuan cabinet opened by the imperial court is different, and it is recognized by the government. When they come to Kaiyuan Cabinet to save money, they not only collect rent, but the imperial court will also give them interest on a monthly basis. The more you save, the higher the interest! ”

As soon as these words came out, the ministers were stunned. The ancients not only deposited money in the cabinet shop without interest, but also had to pay rent to the cabinet shop. And now the emperor wants to turn around and save money, and the court will not only not charge you rent, but also pay you interest? What kind of fuss is this, the emperor won't be stupid!

"Your Majesty, this must not be done. If the people go to the cabinet to deposit money, where will the interest come from if they do not collect rent? Why do you have to look for depositor interest? "Yushi Zhao Zhanguo resolutely opposed.

Li Ji really didn't bother to explain economic and monetary issues to them, and this thing can't be explained in one or two sentences: "The imperial court can lend, and use the people's savings to lend to the outside world, and the interest is enough to support the operation of the entire cabinet." In this way, I told you that I also played the piano to the cow, and the matter of this cabinet was decided. ”

"I don't think it's possible, it will empty the treasury and let the money outflow!" Zhang Wenwei also stood up against it.

The rest of the courtiers, such as Dugu Zhen, even Kong Lin, Pei Shu and others have always been opposed, and doing so is simply a waste of money from the treasury.

"Enough!" Li Ji was furious: "You courtiers, are your heads made of paste!" Since I took office, have I made any mistakes? You are against what I want to do, and you say it's wrong to do this. You can't say it's right to do that, but as a result, am I wrong or are you wrong? ”

Dugu stood up tremblingly: "Your Majesty is wise and far-sighted, beyond the reach of ministers. It's just that this cabinet shop, the minister never dares to agree. Not only does the money not collect rent, but also pays the interest backwards, and the court will collapse if it goes on like this! When the time comes, all the money from the treasury will be taken out to pay interest to the people, where will the treasury still have money? ”

Playing the piano against the cow, Li Ji was defeated. I can't tell them clearly, in fact, the interest rate does not need to be set too high, this is just a means to absorb savings, and lending is the most important thing.

Tea merchants, cloth merchants, cotton merchants, grain merchants...... There are many wealthy businessmen in the capital, and they are all struggling to fund turnover. If there were cabinets opened by the imperial court to lend, they would have become bigger a long time ago.

Private cabinets are not absent, and the high interest rate is scary. The interest is more ruthless than the loan shark, and the private cabinet is unreliable, they collude with the children of rich families to engage in gambling, theft and other activities, which was repeatedly strictly prohibited in the Song Dynasty. "Wulin Old Things: Wanderers" put the cabinet shop in the category of "nomadic and treacherous" such as gambling, fraud, and theft, which was often banned by the government, and ceased to exist in the Yuan Dynasty.

However, if there is a cabinet opened by the government, the official signboard is here, absolutely rest assured, and the loan interest can be a little lower than that of the private one.

But his mother's household refused to give a penny, and all the courtiers of the entire court unanimously objected, and Li Ji compromised.

"I knew that you, the so-called ministers of the humerus, would object. Well, I will undoubtedly open this 'official' cabinet! Li Ji was angry, and he wanted to fight against the ministers.

Zhang Wenwei is even more tough, he is really a master who is not afraid of death: "Your Majesty is the Son of Heaven, if you ignore the opposition of the ministers, you will insist on going your own way." There is no way for the ministers to wait, Your Majesty will open the cabinet if you want to, but Your Majesty doesn't want to take a penny from the treasury! ”

"Zhang Wenwei! Hello so bold! Li Ji stood up suddenly, only feeling his blood surging, and he couldn't wait to drag him out and break his body into pieces.

"Your Majesty forgive your sins! The ministers did not agree with His Majesty to take money from the treasury and open the cabinet! All the courtiers knelt down.

Li Jiqi's face has changed, he can't kill Zhang Wenwei and kill all the ministers. Besides, this is Zhang Wanxi's father, and Li Ji regrets letting him be this household servant.

The head of the household department is the number one, but the position of the secretary is temporarily vacant, and the household department is now Zhang Wenwei's final say.

"Okay, yes, you're all against me, aren't you! Well, I don't need a penny from you. But this Kaiyuan cabinet workshop must be an 'official' signboard, opened by the imperial court. said that if he dared to oppose again, I would let him go home to retire, and there would be no need to go to court in this Hanyuan Palace! ”

The ministers finally breathed a sigh of relief, as long as you don't take the money from the treasury to go out and die. You can play whatever signboard you like, the emperor is determined to open a cabinet, and the ministers have to compromise. This is a good emperor, if he had changed to a tyrant, he would have gone on a killing spree a long time ago.

Don't say anything like the scholars and doctors sharing the world, even the Great Song Dynasty. Imperial power will always be autocratic, except for those puppet emperors, if the emperor really wants to do something, no one can oppose it, otherwise there will not be so many unreasonable and unscrupulous monarchs in history.

Li Ji did not belittle officials in a big way, but chose to compromise with his courtiers, which is a rare kind of emperor.

The ministers don't dare to kick their noses too much, if you are willing to open an official and call yourself a cabinet, then you can do it. When the people go to save money, and you spend all the interest to make ends meet, you will go out of business. Anyway, the treasury won't give you a penny, you have the ability to come.

"Your Majesty Shengming, the ministers seconded it!"

Seeing that they had finally compromised, Li Ji nodded. Lao Tzu has long known that you bastards will not agree, as long as you promise to open a cabinet shop with this official signboard, I will have a way to make this bank all over the capital, and even the whole world.

"That being the case, the matter is settled. There is only one more point, the exchange of silver taels for copper coins must be implemented. You Aiqing may have also experienced it, is it not inconvenient to go to the market with a heavy string of copper coins? If you exchange it for a silver ingot, one or two pieces of silver for a thousand yuan, and when you go out with the silver, it will be much easier. ”

Silver can be had, and the ministers did suffer from trading with copper plates.

It's like going to Zhu Ji Department Store to consume, holding strings of copper coins is heavy and inconvenient. Zhu Youneng has a deep understanding of this, his one million copper coins are piled up in ten rooms, there is too much money, and his head is too big.

If you use two taels of silver, it is much simpler, and ten taels of silver are worth ten dollars.

The minting of silver was also a great event that would benefit the income of the imperial court, and the ministers unanimously agreed.

Some of the silver ingots in Huangling Mountain were sent to the capital by Pan Da stunned, and the minting supervisor had already begun to mint them according to the mold.

Silver ingots, there are one tael, five taels, ten taels, twenty taels and four kinds.

Since the cabinet is open, it is still the old rule, looking for the loser Zhu Youneng.

Li Ji and Zhu Youneng invested 500,000 yuan in one go, so that Kaiyuan Cabinet Fang was opened.

First of all, don't rush to absorb savings, lend first. Those big grain merchants, tea merchants, cloth merchants, medicinal herb merchants, and fur mountain merchants in the capital have very low interest rates as long as they come to Kaiyuan Cabinet for loans.

The first 'official' cabinet in Beijing, Kaiyuan cabinet was grandly opened in Jade Lane, and the whole capital shook.

On the first day alone, nearly 100,000 yuan of loans were released. However, they are not blindly lending, Li Ji first asked the bad people and the big businessmen to carefully investigate. They did have the ability to do so, so they lent them money.

Kaiyuan cabinet shop is close to Zhu Ji Department Store, a few days after the opening, the people heard that it is a monopoly of the imperial court, and not only does not charge rent when depositing money in it, but also has interest in the future. Where to find such a good thing, for a while, the Kaiyuan cabinet was overcrowded.

Less than a week later, Kaiyuan Cabinet has entered a semi-paralyzed state. People、It's so fucking much.。

No way, although Emerald Lane is not small, it can't hold too many people, and there are many shops around. So under the mediation of Jingzhao Yi Peishu, Emerald Lane East Street opened.

Emerald Lane East Street, close to the main street of Emerald Lane, the street is long and wide. Kaiyuan Cabinet had to move to East Street, and originally set up 22 counters. Due to the large volume of business, it was increased to thirty-six.

All the people who come to deposit money, Kaiyuan counters are issued with silver ticket stubs. The Kaiyuan Cabinet Silver Ticket was designed by Li Ji himself and printed with a mixture of seven different colors of ink.

Li believes that with the existing technology of the Tang Dynasty, no one can make imitation banknotes.

What's more, each silver ticket has a number, one for depositors, and one for the cabinet.

Silver bills are large amounts, and deposits are not accepted within 100 taels. The largest silver ticket has a face value of 1,000 taels and can be used as a merchant's trading currency.

However, Kaiyuan Cabinet is the only one in Beijing, and it cannot be used nationwide.

This is excessive, the establishment of the first bank of the national brand has made other cabinets in the capital on the verge of bankruptcy.

The bosses of the cabinet shops sighed one by one, complaining that the Kaiyuan cabinet shops had robbed them of their business.

However, someone soon came to the door. All of the original small cabinets were acquired by Kaiyuan Cabinets.

In less than two months, it was almost early autumn, and Kaiyuan cabinet workshops were already all over the streets and alleys of Beijing.

Money? Now for Zhu Youneng, it is a piece of waste paper, and no matter how much money he has, it is just a constantly beating number on his account.

Rich rivals the country, rich rivals the country! In the end, how much money Zhu Youneng has now, he doesn't have a number in his heart. According to preliminary estimates, the assets on the books have now exceeded the financial revenue of the entire Datang in a year.

Zhu Youneng didn't dare to think that he was used to it when he had too much money. It's just numbers, it's all floating clouds.

The explosive income of Kaiyuan Cabinet Square shook the capital, the government and the opposition, and even more shocked the vassal kings everywhere. People know that Kaiyuan Cabinet is getting bigger and bigger, and no one knows how much money it makes.

In the market, large-value transactions are also gradually being replaced by silver taels and silver bills. In particular, the large transactions of the wealthy merchants in the capital are basically silver or silver tickets.

The silver is certified by the imperial court, and the emperor's seal is stamped, which is absolutely reassuring. Compared with private cabinets, Kaiyuan cabinets are also hung with the signboards of the imperial court. Once everything is linked to the state, the people can rest assured.

Zhang Wenwei Zhang Mansion, as the head of the household, Zhang Wenwei felt that he was really a failure. He never dreamed that the Kaiyuan cabinet workshop would be overcrowded, and the emperor really opened the cabinet workshop.

"My lord, the second son of Guangwangfu Zhu asks to see you." The steward came in and reported.

Zhu Youneng? What are you doing here, showing off?

"Let him in."

For Zhang Wenwei, Zhu Youneng did not dare to offend. This is Li Ji's father-in-law in the future, and he has to follow up when he farts.

"Lord Zhang, boy Zhu Youneng is so polite." As soon as he entered the door, Zhu Youneng saluted in a proper manner.

The first impression of being a man is particularly important, this guy has teased his daughter before, Zhang Wenwei doesn't have a good impression of him: "I don't know if Zhu Gongzi is here, what are you doing?"

"Oh, that's right. Didn't the Kaiyuan cabinet that I opened with Brother Li and my majesty make some money recently, and I want to ask Lord Zhang for a little help. Zhu Youneng said shamelessly.

Zhang Wenwei snorted: "As far as I know, your Kaiyuan cabinet is making a lot of money, and there is anything else I can do to help."

Zhu Youneng didn't treat himself as an outsider at all, he found a seat and sat down, he slapped his thigh: "It's because of this, didn't we make some money." There's no place to put it, you said that you have to build a silver vault, it's time-consuming and laborious, and you have to send someone to take care of it. If you're not careful, it's still a trouble to be remembered by thieves. I heard that the Tobu Treasury is still idle, and we would like to rent one. The treasury is safe, the ground is full of 10,000 catties of boulders, and the guards around are guarded by three layers and three layers outside, how safe you say, hehehehe. ”

It's a show-off, it's a show-off, it's a show-off.

Zhang Wenwei knew that they had made a lot of money, but he didn't know how much.

Zhang Wenwei sneered: "I have heard for a long time that Kaiyuan Cabinet has made a lot of money, but it is not enough to move the treasury of the user department!" How many can you have, and it's worth looking for this official to help? ”

Zhu Youneng smiled sheepishly: "That's that, your household is rich, so naturally you don't look down on our little money." Isn't there three treasury in the household department, rent one to us, and the rent is negotiable. ”

Zhang Wenwei is disdainful, the nouveau riche, just 1.8 million yuan, don't know what his surname is. Still want to go to the tenants treasury? Is there enough of your scattered silver to stuff your teeth?

"Say, Zhu Gongzi, how much money do you have to save, and you still need to use my household treasury?" Zhang Wenwei asked arrogantly, his eyes full of disdain.

Zhu Youneng quietly stretched out three fingers: "This number."

Zhang Wenwei looked at it and gasped, this fucking guy got so much money, three million yuan.

At this time, you can't lose in momentum, otherwise it will make this loser look down on the household department too little: "Hmph, three million guan, do you know that my Tang Dynasty now adds tribute to the feudal town, and there is a full annual income of 20 million guan." However, your three million yuan are all people's savings, not all of your money. ”

"Yes, yes, your household is rich, and you have money. Our mere 30 million is naturally a little less, but we have to find a place to store it. ”

Zhang Wenwei picked up the teacup on the table and nodded: "Yes, it's only three thousand...... Poof......"

Zhang Wenwei choked on a sip of tea, his face was red and his neck was thick and coughing, he pointed at Zhu Youneng and asked in shock, "Much, much, how much?"

Zhu Youneng looked innocent, as if he was saying something that was nothing more than usual: "Thirty million yuan, it's a little bit more than your annual income, or I wouldn't have come to ask you to rent a money vault." Your Majesty is inconvenient to come forward, so let me come and discuss with you. ”

PS: Thank you for the reward from Brother Miracle.