Chapter 649: Minor Changes in Statistics

In the run incident, Zhang Xiaobao didn't spend much energy at all, so he calmed down the emotions of his younger brothers and sisters.

Xiaobei and the others recovered quickly, helping others catch fish for an afternoon, and more than a dozen children who skipped class to catch fish on the boat each saved a consistent amount of money in Datang Qianzhuang, naturally their parents helped to save, and their business has not yet started.

It wasn't until the evening when Xiaobei and the others left by boat and continued to go south that the children knew the identities of Xiaobei and the others.

Standing by the river one by one, looking at the shadow of the boat in the distance, watching the sun slowly setting red in the west like an egg yolk, my heart was peaceful.

When the person sent by the shopkeeper of the restaurant who invited them to dinner called, he showed a happy smile again, forgot his tiredness, and ran towards the restaurant in a group.

The children who caught the fish were happy, and how much money they saved was not so important to the others than to be able to see Xiaobei and the others, and after many years, they could proudly tell their children and grandchildren about today's events.

Equally happy was a part of the crowd at noon the next day.

Just after noon the next day, the branches of Datang Bank, at the moment of opening in the afternoon, piled bundles of Datang banknotes on the counter of the bank.

The face value varies from 10 to 500 yuan, and the colors are colorful, so that people who want to withdraw money and save money make expressions that are not much different after seeing it, and that is shock.

Immediately the voices of annoyance and the shouts of joy echoed in the money house one after another.

Qian Zhuang also hung out a public notice board at this time, with inked blackboards and white chalk words, which were very dazzling.

"The little brother-in-law of the Zhang family, you are literate, help me see, what is written? That kid in my family went to school, otherwise he would have dragged it to read. ”

A woman who saved money did not know the words on the blackboard, and asked the person next to her to withdraw the money, and her face did not show a look of shame that she was illiterate, but emphasized her son, with a hint of pride.

The person she called the little uncle of the Zhang family knows why she is like this, because her son has been ranked first in the school for three consecutive quarters, and the reward alone is enough for her family to raise two people, in addition to the symbolic direct monetary reward, there are also two kinds of oil, cloth, rice, meat and vegetarian, and even got four knives of pork before the New Year.

There are such children, which is worthy of every adult's pride, the children are happy to learn, the businessmen are happy, and the adults are even happier when they eat what the children get.

It's just that this little uncle himself is not happy, he has withdrawn four times yesterday, but he did not find today's passbook, and when he got up in the morning, he scolded his mother-in-law for a while, and rummaged through the cabinet for a morning, before he dismantled the passbook from the gap in the mattress.

When Datang Qianzhuang opened in the afternoon, he hurried over by himself, never thinking that sometimes the gap between reality and imagination was too big.

The announcement in white on a black background, as well as the colorful coins, made him want to find a crack in the ground and go back to yesterday.

"Uncle Zhang, what did you write?" The woman continued to ask, and she also saw that there was something wrong with the other party's expression, but she couldn't think of a specific reason, so she could only guess that the words written on the blackboard were not very good for the person who wanted to withdraw the money.

The little uncle of the Zhang family held the passbook tightly in his hand, and saw that the passbook had changed shape, but he didn't know it, and said to the woman calmly:

"I finally know the strength of Datang Qianzhuang, Zhang Xiaobao, will always be Zhang Xiaobao, but unfortunately I don't regret the medicine, it is written, written."

The woman was a little frightened, and what she said was too frightening, and she looked like she was looking for death and life, so she didn't say anything.

Then a woman next to her, who was also saving money, pulled her and said, "His sister, let me tell you what was written, my daughter usually comes home and always wants to teach me the literacy of this mother, just right, I can recognize that word." ”

"Then sister, you say." The woman was more envious of people's literacy: "When my baby comes back today, I will let him teach me." ”

"Okay, I know that your kid is studying well, every time my girl talks about him, I always have to be envious, one day let my girl go to your place to help do things, you also see if the water is spiritual, I look at your kid is good."

Oh, let's not talk about this first, what is written is that Datang Qian Zhuang announced today that the money banks in various places have used the secondary currency reserves, a total of 100 million guan, so that people who withdraw money do not have to worry, and do not crowd, if 100 million guan is gone, there will be a first-level reserve of 200 million guan and then released.

As long as you want to withdraw money, you don't have to worry about not being able to withdraw it, and it has been operating until the time of the child, the people of the money village do not rest, sister, you see, there is a pile of money, and there are five hundred yuan, even if the merchant comes to take it, he is still not afraid. ”

The literate woman first made a gesture to sell her daughter to the past, and then spoke about the words on the blackboard.

Hearing her words, the woman who asked showed a smile: "Datang Qianzhuang seems to be really rich, and my head and I are still worried that the money is not enough, and it will collapse in the end, now it's okay, but why does the little uncle of the Zhang family look unhappy?" I was able to get the money. ”

"His sister, that's because he saw another content, Datang Qianzhuang said, they are not short of money, but in less than two days, they have harvested something more precious than money.

So there was a retribution activity, starting from yesterday morning, until noon today, that is, during the morning closing, all the people who saved money, the interest on the money saved during that time was calculated according to four times the original.

All those who did not withdraw their money during that period of time, according to the time they deposited their money, the interest will be doubled, and I saved a total of 45 yuan yesterday, and in a little more than three years, it will become 90 yuan. ”

The literate woman became excited, calculated the interest, and came to a conclusion.

"Really? I also saved thirty-two times yesterday, and I just made up three times of money today, but it's a pity, it's late, if I come in the morning, it's a lot more, sister, what if I save it now? ”

When the woman heard the fourfold interest, she was afraid of the attendees, and twisted her arm vigorously with her hand until she felt pain, and then she was relieved.

Then he asked, "Isn't there four times as much money saved now?" ”

"Not to mention that there is no quadruple, Datang Qian Zhuang has adjusted the new interest, and now if you save money, you can only get the interest of 70% of the previous one, which has been reduced by 30 percent, so the person who started to withdraw money yesterday has lost a lot.

Sister, do you think, they take out the money, and they won't spend it right away, what's the use of keeping it in their hands? If you want to deposit it in the bank, one out and one in, you will be the least ...... How many times at least? Heck, it's hard to calculate, it's more than four times anyway. ”

When the literate woman spoke, her eyes looked at the little brother-in-law of the Zhang family, and there was a sense of schadenfreude in her words.

This little uncle's face is green, he has calculated, one in and one out, when the biggest loss is nearly six times that of the depositor, and now the money is doubled, it will take twenty years.

What he wants to do most is to smash Datang Qianzhuang, he bullies people too much, it's normal to save money and withdraw money, why should he give benefits because others have saved it, and suffer a loss if he takes it himself? What if I have something urgent to get the money?

However, ideas are ideas after all, he didn't dare to smash Datang Qianzhuang, and he didn't even dare to say a bad word to others, he knew very well who was behind Datang Qianzhuang.

"I'm just a fool, Datang Qianzhuang is in charge of Zhang Xiaobao, how can he let people take money from Qianzhuang? His family has hundreds of millions of dollars, and I am blinded by pork. ”

He thought about it, squatting in frustration, pulling his hair vigorously with his hands.

Those who also wanted to withdraw money, and those who were going through the procedures at the counter, heard this and stopped moving.

"This guest officer, your money is a total of seventy and two hundred and fifty-one wen, you can count it and collect it." A person who handled the withdrawal business put a passbook and money of different sizes on the counter, and there was a penny coin in it, and said to the person who was stunned.

"Huh? Taken out? I don't take it, why are you moving so fast? I won't take it, will it be successful if I don't take it? "This man is even more stupid.

The salesman shook his head slightly, gave the other party an apologetic smile, and said, "The procedures have been completed, if you feel that you don't need too much money for the time being, you can save it again." ”

"What about interest? Has it doubled? The man asked, glaring.

"Because the bank has readjusted the deposit interest rate, if you save now, it can only be calculated according to the original 70 percent, and you ......."

"I was wrong, I know I was wrong, I don't dare anymore, in the future, Datang Qianzhuang said that it would be yellow, and I won't withdraw money, give me a chance, my money was saved in January last year, and I have been saving for more than a year, and double the interest is equivalent to two and a half years of saving.

If you give your steward a good talk, just say that I don't take it, and according to the previous calculation, will it be successful? Even if it's less, don't need to double, I'll do it fifty percent, this little lady, you help me, who hasn't had a problem? If you help me once, I will definitely repay you well. ”

The tears of the person who took the money flowed out, lying on the counter, looking weak, begging the salesman.

Without waiting for the salesman to smile and refuse again, a man next to him who wanted to save money and did not have a greasy place on his body took over the conversation, and shouted to the person who was lying on the counter and wanted to rely on it:

"Hey, I said you're a pancake seller, you still have to be shameless, I know you, last time you wanted to get a good tool for pancake fruit, I wanted to borrow money to collect hairy pigs, we came here together, Qian Zhuang has seen our household registration, and the money borrowed together is interest-free.

What did you say at the time? You said that if you remember this kindness, you will repay it in the future, and you will repay it like this? Do you still have the face to say, 'Who doesn't have a problem?' If you have difficulties, people will help you, and if others have difficulties, you want to make things worse for others.

He has no regret medicine in this world, now you know how powerful Zhang Xiaobao is, why don't you know how to cross the bridge between the two families of Zhang and Wang? That's called a thought of heaven, a thought of hell, the road is your own walking, who do you blame? Take the money and get out of here, and then dare to make noise and I will slap you away. ”

"I was wrong, I really won't take it in the future, I was wrong......." The man continued to mumble as if he hadn't heard.

The salesman shook his head helplessly, glanced at the guards next to him, and immediately two guards came over to put the person to the side and find a doctor to take a look.

"Next." The salesman's voice is as good as ever.

The second person who wanted to withdraw the money did not move forward, and his head shook like a rattle: "I don't take money, I just see, yes, I went to the wrong place, what am I going to do today?" Oh, there are a lot of things, it's busy, oh, I remember, I'm going to buy cloth, yes, buy cloth, don't delay your work, go first, go. ”

With that, he turned and walked away.

The third man didn't even say a word, but bowed his head and followed.

In just a dozen breaths, the row of people who wanted to withdraw money all disappeared, thanks to the wide enough door, otherwise they would have to squeeze two to death.

"Phew! I deserve it, if you want me to say, I should wait a little longer, and wait until tomorrow night to issue a notice, let them take it, take out all the money, I can still save an extra copy, add some interest, this is good, become seventy percent, come, I have saved it, seven percent is seventy percent, and I can't get any interest left in my hand. ”

A man standing at the deposit counter looked at the departing man, snorted disdainfully, and pushed the money over.

Such a situation is staged in different places, and while countless Datang people feel the warmth and coldness of the world, they also have to ask themselves what they think at the moment they make their choice.

******

Zhang Xiaobao didn't care about other people's thoughts at all, anyway, he did what he should do, that is, to repay grievances with straightforwardness and repay with virtue.

"I'm a saint now, that's what a saint does, with this incident, look at the next time I really get into trouble, do you dare to fall into the ground?"

Zhang Xiaobao said to Wang Juan with wine, but listening to the meaning of his words, it always made people feel that he was looking for an excuse for himself to act.

Wang Juan was still doing her embroidery, raised her head when she heard this, and said: "There will be many people who are sad, in case someone can't think of committing suicide, don't you feel responsible?" ”

"What do you mean by that? They shouldn't be sad, I should be sad, I have a backhand, if I don't prepare? Where is Datang Qianzhuang going? Although it is impossible to go out of business because of a run, it will make many people question it.

The only way is not to handle the business of withdrawing money for others, and the credibility will plummet, and it will not only lose the credibility of the money bank, but also the court and our family, and it will not be as effective as it is now if I speak in the future.

Suicide? I don't believe that anyone would commit suicide because of less interest, and there is no shortage of capital? If someone really commits suicide after one interest rate reduction, how many people do you say will die?

I've heard of people who commit suicide after failing to play stocks, futures and gambling, and I've never heard of people who don't live if the interest on their deposits is less, besides, I don't care if someone commits suicide because of this, if Datang Money Village collapses, I go to commit suicide, how many people who withdraw money will pity me? ”

Zhang Xiaobao looked very angry.

Wang Juan sighed and didn't say anything, she also understood that Zhang Xiaobao was right, many people who went to run on it, even if they really collapsed the Datang Money Village, and then knew that Zhang Xiaobao committed suicide, they would not have much reaction.

There are even people who can gloat over the disaster, and occasionally have leisure time with others, there was once a person who stood on the altar of God fell like this, and that was beyond the top list of Monopoly people.

This is the disregard for life, the special excitement of others after they have come down from high positions.

Thinking of this, Wang Juan was a little sad, he and Xiaobao had done a lot of things for Datang, but as a result, when there was a crisis in Datang Qianzhuang, there were still many people who were unwilling to share their hearts with themselves.

"Ignorant, no matter how they are educated, the ignorant people will still be ignorant, they may never have thought about it, if Datang Qianzhuang is gone, you Zhang Xiaobao is finished, what will become of Datang?

They may feel that as long as they have money and money in their hands, they don't have to be afraid of anything, and it seems that they need to teach them more political and economic knowledge in the future, Xiaobao, don't you say? ”

Wang Juan asked Zhang Xiaobao.

Zhang Xiaobao nodded: "Indeed, at least let them know that it is not that money is useful in their hands, let alone paper money, even if gold and silver are piled up at home and politically unstable, they do not have a good life."

The current salt tax, which we have always controlled with Li Longji, is very low, and there is no situation where the people spend a lot of money to eat salt, and the annexation of land has also been curbed.

Otherwise, even if they have 10,000 taels of gold at home, it is just the fate of being robbed of someone, these stupid things, short-sighted, don't say anything, dare to question me, run, run, this trick will work for me? ”

"Okay, I know you can do it, do your thing, don't bother me." Wang Juan said Zhang Xiaobao with a smile, and lowered his head to embroider her flowers.

It's just that she can't calm down in her heart, she found out that because of her and Xiaobao's strength, now Datang can operate normally, if the two of them suddenly leave it alone, one by one, the stalls will become fragrant and gluttonous to be scrambled by countless people.

In that case, it would be better for her and Xiaobao not to be strong now, so that everything can return to the trajectory that Datang should take, even if there is a problem, it can persist for a few more decades.

And now what the two of them have to do is to gradually improve Datang's system, so that people can get used to living and doing things under the system, even if the two of them really let go, Datang will not have any chaos, because people have developed the habit of going on according to the system.

It's just that this system is too difficult, and the imperial power must ensure that it is not that it does not want to change, but that it cannot be changed immediately, and that requires the development level of production technology and productive forces to reach a certain level, and the knowledge and culture of the people to the point where it has to be changed.

The process of turning every imperial power into a democracy like that of the West is a long one, and if you want to change it within a few decades, it will require a very large investment in both internal and external forces, which is simply impossible at present.

"Wait, wait until future generations come to do it, and when the time comes, see which system is good, use which, or think out a new system, under the framework of a constitutional monarchy, retain some of the monarch's powers, and hover between democracy and non-democracy."

Wang Juan said something again.

Zhang Xiaobao put down the pen and said helplessly: "You embroider your flowers well, what are you doing studying this?" The system is only adaptable, not absolute, and adopts different systems according to different social environments and needs, which is correct.

We can't put the system in the first place, what needs to be put in the first place is the needs of the life of the social group, the system can be changed, but the goal of survival cannot be changed, that is, to live, to live a better life. ”

"What died alive? Tell me about it, I'm very happy today, the situation in various places has been passed over one after another, so that those disobedient people know that they have to defend my Datang together, yes, in order to live well. ”

As soon as Zhang Xiaobao's words fell, Li Longji's voice came, and at the same time, he himself appeared at the door of the cabin.

Wang Juan continued to bow his head to embroider, Zhang Xiaobao wrote again, the two of them didn't seem to see Li Longji coming, in fact, they had heard Li Longji's footsteps just now, and Zhang Xiaobao's words were deliberately said to him.

Seeing that the two of them didn't move, Li Longji was not annoyed, and continued: "Xiaobao, you said that after the interest on the deposit is lowered, the interest on the loan will not be adjusted?" Do you want to adjust back in the future? ”

"Why is this the problem again?" Zhang Xiaobao raised his head and said with a sigh.

"I don't care about this, what do I care about? To tune or not to tune, give a sentence. Li Longji glared.

"Adjustment, deposit interest will be lowered, of course loan interest will be lowered, if it is not adjusted, won't people who want loans go to the private sector to borrow? It will lead to abnormal concentration of capital.

In fact, I originally wanted to lower the interest, but I just waited for a suitable time, and it happened that I met Xiaobei and their revenge on the manager of the money bank, so I did it together, otherwise it would be ....... ”

"Otherwise, how can you not fight a propaganda war with others, and not stop Xiaobei from them, right? Now you have taken advantage of it, gained some of the people's hearts, warned some people, and strengthened the status of Datang Qianzhuang in the hearts of the people.

At the same time, you have also completed the plan to reduce the interest rate, you say you, what do you want me to say about you? You even have to take advantage of Xiaobei and them, your brother is really unqualified. ”

Li Longji first praised Zhang Xiaobao twice, and then buried him.

Zhang Xiaobao didn't care, and said: "It's Xiaobei who helped us, if it weren't for this incident, I wouldn't know the general situation of the people's hearts, and it seems that in the future, we don't have to worry about the big chaos within Datang."

The reduction of interest rates can accomplish two things, one is to promote consumption, people find that the interest is less, they will be willing to take it out to buy something, but we must control prices, it is easy to rise too much in a short period of time.

The second purpose is to let people who have ideas in their hearts, in the case of the reduction of the loan interest rate of the bank, borrow more, and then use it to develop their own industry, start from a small scale, delve into production technology and improve the management model, so as to improve production efficiency and create more material resources.

But it is also necessary to control, not to encircle other people's land as the development model of the industry, nor to exploit the inherent non-renewable resources of Datang based on the development model.

The best result is that they follow in the footsteps of the Datang army, go outside to plunder, produce locally, and then transport it back to our Datang and use it for the people of my Datang. ”

"For a part of the people of the Tang Dynasty, if it is a run, you shouldn't care about them." Li Longji said.

Zhang Xiaobao was amused by Li Longji's words, and Wang Juan didn't dare to continue embroidering, for fear of pricking his hands.

Stopping his movements, Wang Juan said to Li Longji: "Your Majesty, you are the emperor, you can't compete with the people, if the people are really not good, it means that you, the emperor, are not good at fooling, you have not educated the people well, how can you put the responsibility on the people?" ”

"That is, how lovely the people are, there is something about Qianzhuang, it can only mean that our work is not in place, I believe that if we do not change our hearts towards the people and the efforts we have made for it, one day, the people of my Datang will behave very calmly when they face this incident again.

Some people go to withdraw money, not for a run, but just in time for the time when they need money, and some people go to save money, not to protect Datang Qianzhuang, but because they feel that the value of the money earned will be depreciated if they keep it in their hands. ”

Zhang Xiaobao echoed.

"So, is it wrong for me? How long will it take to be edification to the extent that you both say? Li Longji said faintly, feeling very uncomfortable, as soon as the situation came out, he felt that he had been betrayed by many people, and the taste was difficult to understand.

"It won't take long, there is a run now, but if someone says that the people of a certain place will rebel, then it is impossible for the people to follow him.

Maintain the rule of officials, ensure the development of productive forces, speed up the education of knowledge, consolidate the Tang Dynasty's external military and economic advantages, at most ten years, we can appear in the situation we want, of course, never think about making every citizen obedient, but at that time there will be very few disobedient people, who is disobedient to clean up who can be.

Grace is not good, we still have law and punishment, the two-pronged approach, the society will be stable, why hasn't the data been counted yet? Let me wait,"

When Zhang Xiaobao comforted Li Longji, his eyes looked at the door from time to time.

"What data are you waiting for?" Li Longji also turned his head to look at the door and asked.

"The data of the money bank, it can't be in vain, I have to see where the situation is special, here." Zhang Xiaobao stopped speaking at this point.

Sure enough, around five breaths, the people in the inner courtyard appeared outside the door, looked inside, stepped in, and said to Zhang Xiaobao and Wang Juan: "Little boy, little lady, the data has just been counted, it is not too complete, and some of it has to be done at night, please take a look." ”

"Not busy, tell me, how is the situation?" Zhang Xiaobao motioned to the people in the inner courtyard to introduce.

"Yes, after the run on Datang Qianzhuang, from yesterday morning to noon, various localities paid out a total of more than 43.2 million yuan, and at the same time absorbed more than 36.1 million yuan, which had little impact.

The only problem that has occurred is in Jiangnan West Province, where the entire Jiangnan West Province has spent 7 million yuan in a very unreasonable manner from yesterday morning to noon today, and people from other places have transferred money to the money banks there, presumably with the intention of emptying the cash of the money banks in Jiangnan West Road.

Our money bank system has just responded, urgently transferring cash from the nearby money bank to the money bank in Jiangnan West Road, and the team transporting currency has set off under layers of protection. ”

The inner courtyard introduced.