"Lord Qi, Xuan Yingwei has detected abnormal movements." Hu Xiaosi in Changqing Palace hurriedly came and handed Li Xuanqing a report on the situation: "Our money bank has alerted Zhu Quanzhong, and is currently urgently summoning military advisors Xie Tong and Zheng Fan in Bianliang to discuss countermeasures, and I heard that they are trying to find a way to disrupt our market." ”

Cen Tianshi was originally discussing the planning of Chang'an's commercial district with Li Xuanqing, and he was very dissatisfied with Zhu Laichen's obvious distinction between commercial and residential areas, so he was ready to revise and find a way to change it to the kind of integrated commercial and residential system in Fengzhou. After hearing Hu Xiaosi's words, he thought for a moment and smiled: "I guess they can only come up with how to fake to get our money, and they can't do anything else." Although Xie Tong is extremely smart and scheming, the lord's money is from scratch, and we all cross the river by feeling the stones, not to mention that he is looking at flowers in the fog of Bianliang. ”

"Let him make it hard. We'll have one more weapon next month. When the time comes, I'll see what he does with inflation. Let Xuan Yingwei hurry up the time arrangement. Li Xuanqing didn't bother to care, anyway, in this era, he casually threw a so-called economic weapon in later generations, which basically belonged to a state of insolvability.

"Inflation? What is this word? Cen Tianshi had talked to Li Xuanqing about the later plan before, but he was puzzled by the new words that suddenly popped out of Li Xuanqing's mouth.

"This inflation is the rise in prices and the depreciation of currencies caused by the excess of money in circulation over the actual needs of the economy." Li Xuanqing explained a little weakly and then continued: "In short, we suddenly put all the copper coins in the northwest region into Zhu Quanzhong's ruling area, and artificially caused a shortage of goods by purchasing bulk goods, which caused prices to rise, which caused other problems and caught him off guard. ”

"Is there a way for Zhu Quanzhong to deal with it? Will this price rise affect us? And it should be ordinary people who suffer from rising prices, right? Cen Tianshi frowned and asked a little uncertainly. Since the opening of Qianzhuang, he has finally seen Li Xuanqing's endless economic means, and he has become more and more aware that it is no longer appropriate to hold on to the previous policy of governing the country, so he decided to start from himself, and pulled Li Xuanqing to appear at the School of Administration from time to time.

"Because we use Tang currency settlement, do not allow the circulation of silver money, so it will not affect us, and secondly, part of the materials purchased locally will also be transported to Guanzhong through various channels, but will promote a slight drop in local prices, what we have to do at that time is to prevent some merchants from smuggling materials from Guanzhong when they see the rise in prices in Bianliang and other places." Li Xuanqing knew what Cen Tianshi was worried about, and said directly: "As for most of the materials left in place, they will be distributed to ordinary people in the form of relief to the victims in accordance with Xuan Yingwei's arrangement, so as to win the hearts of the people and accelerate the process of reunification." ”

"The lord can rest assured, Xuan Yingwei has basically completed the layout, and the local businesses have also been selected, just waiting for the lord's funds to be in place." Hu Xiaosi on the side said with a smile: "When the time comes, I can still earn a lot of grain, grass, population or other materials, I am good at this." ”

"Sir, let's go, how about a private visit to Weifu today, go to the field?" Li Xuanqing clapped his hands, stood up, and walked out of the prayer hall.

A few people didn't notify the others, and after changing into civilian clothes, they began to wander around Chang'an City, but basically Cen Tianshi and Hu Xiaosi led the way in front. During this time, Li Xuanqing either took all kinds of plans in the palace city or plunged into the military camp outside the city, and he basically rarely walked the road of Chang'an City, and this huge city that can live in a million people in the history books passed by in a hurry most of the time, and basically did not look at it very carefully.

Since Li Xuanqing's focus was to see the repercussions of Qianzhuang in the hearts of the people, he went directly to the headquarters of Yongxingfang Datang Qianzhuang in Dongshi. Cen Tianshi asked as he walked: "Lord, people need to pay for saving money, is this not conducive to the operation of the bank?" ”

Li Xuanqing led everyone to stand at the door of the money village and watched people come to exchange money from time to time, nodded and said: "That's true, the main reason is that the current progress of the money village has not kept up, and our current industrial and commercial people do not have the habit of borrowing money as working capital or construction funds." Therefore, in the early stage, the income of the bank is still mainly based on deposit costs, and after the adjustment period, the Ministry of Civil Affairs can borrow money from the bank to carry out large-scale project construction, such as road repairs and so on. ”

"The Ministry of Civil Affairs can also borrow money?" Cen Tianshi was stunned for a moment, and then said with a wry smile: "I suddenly found that since Qian Zhuang appeared, I feel that I am old, why can't I keep up with the rhythm of the lord." ”

"Sir, in fact, if you look at the money bank like this, you can understand the role of the money bank. The role of the money bank is to concentrate the funds scattered in the private sector, and then spend it to the places where the money is urgently needed through loans and other means, and concentrate the wealth of the whole society to do great things under the premise of ensuring the safety of the people's assets. Li Xuanqing knew where Cen Tianshi was confused, and said with a smile: "In the past, the imperial court needed to do great things, and if there was no money, it would need to increase taxes and taxes, which would easily provoke popular uprisings and shake the foundation of the country. However, after having a bank, you can borrow money from the bank in advance and repay the principal and interest in the later stage, so that a virtuous circle can be formed and the pace of social development can be accelerated. With Qianzhuang, within ten years, there will be a prosperous atmosphere in the world. It is not a dream for us to restore our ancestral business and carry on the past and forge ahead into the future, but it can be realized by our generation. Li Xuanqing's sonorous and powerful voice reached Cen Tianshi's ears like a thunderbolt, which made the latter stunned for a moment, and then looked at Li Xuanqing's immobile figure in front of him with emotion, and his face became extremely flushed in an instant. And Hu Xiaosi on the side was also embarrassed, his group of people traveled from Lingzhou to Chang'an, then traveled thousands of miles to Fengzhou, and then turned back to Chang'an, going around and around for a long time, isn't it just for Li Xuanqing's oath at the beginning, how not to be excited now that hope is close at hand? Li Xuanqing, who was walking in front, didn't feel any excitement, the money village in front of him already had a little shadow of the bank in the future, although there were still many defects to make up for in the later period, fortunately, there was no one who could fight with himself in this era, but gave himself more time to slowly run in.

Li Xuanqing entered the backstage department of the money bank directly through the back door. Yin Honglin inside is formulating the detailed rules for the loan of the bank, and the detailed rules from the risk control measures of later generations still need to be implemented in combination with the conditions of the world, so Li Xuanqing just wrote out the outline, and the rest needs to be refined by the helmsman of the money bank selected by himself.

"Lord, civil chief, General Hu, why are you here?" Li Xuanqing didn't let people inform Yin Honglin, so the latter didn't find that Li Xuanqing and the others were already standing at the door of his office until he accidentally looked up, and hurriedly came to Li Xuanqing to salute.

"Come and see you, and by the way, check the operation of the bank." Li Xuanqing walked in and sat down and said with a smile: "Don't be nervous, come and tell me and the chief civil affairs officer, how has it progressed in the past half a month?" ”

"Honglin, now the people who understand the operation of the money village are you and Director Qi in addition to the lord. He's been busy with tax reform lately, so I've had to drag my lord to you. Come, sit down and speak. Cen Tianshi sat next to Li Xuanqing and laughed.

"Lord Qi, Chief of Civil Affairs, the current operation of the money bank is relatively stable, and the expected conflict has basically not appeared so far, but the current recovery of Tang coins is relatively small." Yin Honglin was not verbose, and talked eloquently.

"Low recycling? Do you mean that the people left the Tang coins in their hands? Cen Tianshi felt a little puzzled, "It can't be that people from other feudal towns came to exchange maliciously, right?" ”

Li Xuanqing saw that Yin Honglin wanted to speak and stopped, and said with a smile: "If you have anything to say, say it quickly, what do you want to do?" ”

"If the lord agrees, I want to relax the fee restrictions on deposits and savings from the beginning of March, and you can set a short interest period in advance, and the loan details of the money bank have been basically completed, and it will soon be sent to the lord for review, and if there is no problem, you can lend." Yin Honglin saw the smile on the corner of Li Xuanqing's mouth and followed.

Li Xuanqing sighed slightly: "What will you do with your expenses after you have calculated the cancellation fee?" The Ministry of Finance doesn't have much subsidy for you, you have to think clearly. ”

"Please rest assured, during this period of time, the Loan Management Department has been carried out in various places, although the situation in Guanzhong is not very good, but the loan demand in Fengling is much stronger than expected, the two provinces according to our statistics at least 50 million Tang Yuan total loans, according to the interest rate set by the lord, is enough for the early operating costs of our bank, and although Xiazhou and Guanzhong are relatively small, but there are still some, as long as the civil affairs minister can help at that time, the expansion cost of our second department is basically enough. When the scale of loans accumulates to a certain point, the interest can be returned to the people to attract savings, thus embarking on a virtuous circle. ”

After listening to Yin Honglin's words, Cen Tianshi also laughed and said, "In the morning, the lord also said that he was going to give you a period of time to prepare, but I didn't expect you to do several things together." I think it is possible to issue proclamations and make plans in advance. ”

Li Xuanqing nodded and said with a smile: "I agree, you and the head of the hall will discuss the specific time, and if you need help, you can go to the chief of civil affairs yourself." ”

"Please rest assured, Honglin will do its best to ensure the smooth development of Datang Qianzhuang and benefit the country and the people." When Yin Honglin saw Li Xuanqing agree, a trace of joy suddenly appeared on his face, and he hurriedly bowed down to accept the order.

"Okay, tell us about your current situation, shall we?" Li Xuanqing waved his hand to signal him not to be so restrained, and said, "There is also a new style of bookkeeping, how are you learning?" I heard Murong say that those business masters sent the most elite personnel to the Finance Department to study. ”

"All the staff of the new bookkeeping method have been learned, and the abacus and new numbers advocated by the lord have also been promoted. At present, the paper and pen used by Qian Zhuang are specially customized, which can meet the needs of the lord to write from left to right with charcoal. Speaking of this, Yin Honglin looked at the young lord in front of him, his eyes were full of admiration and admiration, a young man made a complete set of calculation methods and calculation tools from scratch, and in his eyes, he couldn't think of anything else except God's endowment.

"I heard that the logistics department is trying to produce a quill pen that is different from the traditional brush, and it is also a hard pen, which can be popularized and used when the time comes." Hu Xiaosi, who was sitting in the pass, suddenly interjected.

"Quill, this pen is better than a brush?" Cen Tianshi was a little puzzled, the logistics department was secretly experimenting, that is, it was basically about to be promoted, he was just curious about a pen, and he could use such a password?

Li Xuanqing smiled slightly, the quill was proposed by him, but the craftsmen in the early stage did not understand the production principle of the quill pen, so it was delayed. At this moment, I heard Hu Xiaosi mention it, and said: "The handwriting written by the brush is an art, but it is not very convenient to use for arithmetic, astronomy and geography and other subjects, and the quill will not be as difficult to use as the brush, suitable for beginners, this is for the future national literacy preparation." However, it is estimated that your money bank will need to be used often, and you can use it in advance when the time comes. ”

Yin Honglin didn't understand what a quill was, but when he heard Hu Xiaosi and Li Xuanqing say that it was easy to use, he hurriedly agreed, which made Cen Tianshi smile and said: "Honglin, you're welcome, you want everything." ”

"Has the tax payment from the Tax Department been included in your money system?" Li Xuanqing had a general understanding of the situation of the bank, and also put down his mind, as long as the money bank can operate stably, then many of his plans can be implemented in advance. So the purpose of this trip is the last one.

"The result of the discussion between our money bank and the tax department is that where the money bank lays the road, the tax payment reform will go, and the two departments have specially coordinated. At present, the provincial governance offices have basically completed the docking, and Chang'an City has completed the docking one step ahead of schedule because there are two Qianzhuang branches. Yin Honglin replied.

Yin Honglin's answer also made everyone present breathe a sigh of relief, the economy of Tiance Mansion was finally established with Datang Qianzhuang as the center.