Chapter 21 Banks

"Why is it so difficult for this firearm to be popularized in my Great Liang Army?"

"Before Master Li improved this gunpowder formula, the cost of making firearms was too high, and the power was not as good as that of a bow and crossbow." Feng Chaozong was always able to answer Li Yue's questions about the effectiveness and promotion of firearms in the army at the first time.

Jiang Hongfeng, who was on the side, was good at technical problems, and he immediately added: "With the improved gunpowder of the lord, the power of firearms is far greater than that of bows and crossbows, but there is still one problem. Whether it is artillery or firearms, the reloading speed is less than one-third of that of bows and crossbows. The training of the personnel involved is also much more difficult than the training of crossbowmen. ”

"This officer has a way to greatly increase the speed of reloading artillery. You can use the artillery barrel as the mother gun, and make a slightly smaller circle of sub-guns in advance. You can prepare more guns before the war, and you can replace them with each shot during the war. This will make it possible to significantly increase the speed of gun reloading. ”

After Li Yue finished speaking, he picked up a sketch of the son and mother, and attracted Feng Chaozong and Jiang Hongfeng, who had not fully understood, to surround him.

Since the success of the earth-shattering experiment that day, Li Yue has been immersed in the ordnance prison for three consecutive days and three nights, discussing the issue of firearms with Feng Chaozong and Jiang Hongfeng day and night.

In this era when everything is inferior and only high in reading, as a court official with a bright future, Li Yue showed an unusual interest in firearms, which were regarded as sideways, and were a little different in the eyes of others.

However, I won the sentence "If you are good at the top, you will be very bad at the bottom!" His chief official was so interested, Feng Chaozong and Jiang Hongfeng could only accompany him to the end.

The three of them were too involved in the discussion, and often missed the restaurant, so Li Yue simply sent a servant to go to the street every day to buy wine and food, and sent it directly when he arrived. This will save more time to study how to reduce the cost of firearms production, increase the power of firearms and promote firearms.

By the time Li Yue finished drawing the sketch and then explained to Feng Chaozong and Jiang Hongfeng, the official had already bought today's lunch.

The three of them were hungry for a long time, Feng Chaozong, Jiang Hongfeng and Li Yue had been together for a few days, and they knew that Master Li had no fight, and they all ignored the disparity in status, and unceremoniously threw off their arms to eat.

But Li Yue just brought a steamed bun to his mouth, and before he could take a bite, someone came to the palace!

The Holy Lord's oracle, Xuan Li Yue entered the palace to meet him!

Looking at Feng Chaozong and Jiang Hongfeng, who were devouring them, Li Yue could only helplessly put down the steamed buns in his hand and followed the little eunuch hungrily.

After entering the imperial city, the guards were strictly guarded, five steps and one post, ten steps and one sentry, the eunuchs and palace maids shuttled between them, people came and went, coupled with the dazzling pavilions and palaces, Li Yue, who was already hungry and panicked, was dizzy.

Walking to the small vertical arch hall, there were obviously many more guards than in other places. The little eunuch went in to report, and Li Yue, who was hungry and a little unsteady, looked up and glanced at it, this was the second time he entered the palace, but the last time was at night, and he didn't have any impression of the palace. Today, this beam is really shabby, except for the grand scale of the Daqing Hall where the court meeting is held, the other palaces are simply inferior to the residences of the rich people.

When Li Yue was thinking nonsense, the little eunuch from before came out and shouted sharply: "Xuan Dynasty invites Lang Li Yue to enter the palace to meet him!" ”

Li Yue didn't dare to slack off, and after entering the hall, he knelt down on his knees when he walked to the center of the hall, and swept the hall with the momentum, and there were many people who came today. Wang Wenbin of Wu'an County, Tang He on the left, and Zhang Qi on the right are all there, and there are a few people I don't know, but I can also judge from the purple-red official robes that the other party's grade is not low.

Although it is not a big court meeting that all officials above the sixth rank in Lin'an have to participate in, this face and formation are obviously not small, Li Yue hurriedly kowtowed and said: "Weichen Li Yue knocks to see Your Majesty!" ”

Zhu Chongli said in harmony on the dragon chair: "Li Qing is exempt from courtesy, flat body!" ”

As soon as Li Yue stood up, he heard Zhu Chongli say: "Li Qing not only raised 200,000 coins in three months, but also produced a new firearm with infinite power in a short period of time. You have really done a great job in the imperial court! ”

"It is the duty of a courtier to share worries for the saint!"

"Haha!" Zhu Chongli Longyan Dayue, "If the Manchu Dynasty is like Li Qing, why should I worry about external troubles and the world is difficult to govern!" ”

"I am full of talents, and the prosperity is coming!" Li Yue secretly complained in his heart, this emperor would really pull hatred for himself. Zhu Chongli praised himself so much, which would only make these old ministers feel disgraced and hateful to Li Yue. This is definitely not a good thing for Li Yue, who has a shallow foundation in the DPRK and China.

"Asahi Lang! Let's put it bluntly, the main reason for summoning you here today is to make ends meet for the imperial court's finances, and the imperial court officials' treasury can't be taken out. Today, I discussed with Zhu Qing all morning, but I didn't come up with a solution. ”

The emperor is now treating himself as a cash cow, such a big country can't even pay the salaries of officials, it seems that he has to give this group of ignorant turtles a good economic lesson, Li Yue couldn't help but scold, but his mouth was still serious: "Weichen thinks that if the imperial court wants to dredge the financial resources, it must first set up a bank!" ”

"Banks?" The monarchs and ministers in the palace asked in unison.

"It can also be called a money bank, or a ticket number." Li Yue said eloquently: "Now that my Liang merchants are walking north and south, it is very inconvenient and unsafe to carry silver and copper coins. Sometimes, when a merchant arrives at his destination, even if he discovers a new business opportunity, he will miss it in vain because of the limited amount of money he has with him. The minister has a strategy to solve this dilemma, and it can also bring an objective benefit to the imperial court. That is, the imperial court came forward to open a bank, and the first thing to do was to raise a sum of money, at least more than one million. Then set up a head office in Lin'an, and set up branches in major cities to provide deposit and exchange services for the people, as long as someone deposits money into a branch, you can withdraw the money deposited in any branch with the deposit certificate issued by the bank. With the credibility of the imperial court as a guarantee, and then providing depositors with an interest rate of two to three percent per year, wouldn't the merchants and the common people still have to break their heads to deposit their money in the bank? ”

"That's a good idea." An old minister with a scruffy beard and unkempt appearance came out and said: "But forgive the old man for being stupid, there is no fee for deposits, and interest is also provided, so isn't the court losing money?" Where is the benefit of what Asakiro said? ”

Li Yue bowed and said, "The bank can charge a certain percentage of the deposit bank for withdrawing deposits from other places. ”

"Why is local exchange free? Isn't this a big loss of income in vain? "The other party has a bit of a posture of getting to the bottom of things.

"My lord, this is to attract more people to put their money in the bank. The fees for cashing out are only a small fraction of the bank's profits. Li Yue continued: "And the bank can use the money to lend to powerful merchants and wait for interest. ”

The other party nodded and said: "If what Chao Yulang said can really be implemented, it will be of great benefit to the country and the people." ”

Zuo Xiangtang He, who had been watching coldly, suddenly said: "Lord Wen, you are in charge of the three divisions, and you know very well that the imperial court can't even get together the money of officials at all levels, where can you get the one million yuan needed to set up a bank?" ”

Only then did Li Yue know that the greasy middle-aged man who pestered himself to get to the bottom of the matter was Wen Anguo, the third envoy of the "Ji Xiang" of the Great Liang, and he replied loudly: "This is easy to say, you can raise money!" ”

"Financing?" Zhu Chongli and the ministers asked again suspiciously.