"The prince of the prison state decreed, in the future, all the nobles who have the title of fief in my Tang Dynasty will be stored in the traffic money village for five years each year, and they can be taken out as needed after five years. During the five-year period, the bank will pay four cents of interest every year, which will be borne by the bank. If you do not take it out after five years, you can continue to negotiate the renewal for a certain period of time, and the transportation money bank will not charge the deposit fee, but will give a specified interest. Each income can only be withdrawn after five years, after which it is up to both parties to negotiate and settle it themselves. If there is any loss of money during the storage period, the transportation bank will be responsible for compensation. For specific reasons, you can consult Qin Jiarui, the female owner of the traffic bank. ”

With the order of Li Shimin, the prince of the prison country, an astonishing splash was suddenly blown up in Chang'an, which was almost no less than a thunderbolt on a sunny day! And although this edict of the prince of the prison state is not a formal edict order, its power makes everyone almost no less than the result of the edict order. Because Li Shimin will ascend the throne tomorrow, and at this time, he actually issued this order, which can almost be said to be an edict. Moreover, it was announced in such a hurry the day before the accession to the throne that it was obviously a matter of great urgency.

And in this order, several key things are mentioned. That is to say, Li Shimin ordered that all the nobles of the Tang Dynasty in the future must deposit their annual income from the fiefdom into the transportation bank, and they cannot take it out within five years, and only after five years can they gradually take it out and use the expenses. And after five years, it can still be renewed, and on the contrary, this traffic bank will give interest. This surprised everyone, and some people wondered why the traffic money bank not only did not charge a storage fee, but gave interest. And after the loss, compensation will be made, which is really an accident.

You must know that the Tang Dynasty at the same time was not without such a thing as a money bank, but the money bank in this era was mainly a mortgage pawn shop, or a vault. This kind of pawnshop is to take the precious to pledge, and then obtain the wealth, and later repay and redeem it. If you can't repay the loan, then the pawned thing will also become a "quality bank". Of course, there are some who are in charge of safekeeping, but there is a fee for this. However, this traffic bank not only does not charge, but also gives interest, so what kind of business model is it, so everyone is very strange.

Of course, what is even more surprising to everyone is that everyone doesn't know who the female owner of this traffic money bank is Qin Jiarui? Moreover, the three words "Qin Jiarui" appeared in the official order of the prince of the prison state, and it was still a woman's name, and the more deceptive thing was still behind, and it was actually a businessman's name that appeared in the prince's order. This is probably the first time in the world, a businesswoman's name actually appeared under the official order of the prince, which makes everyone even more suspicious of this woman's identity.

Even, many people who don't know the truth are wondering who this Qin Jiarui is. Some even made up this so-called "story" between Qin Jiarui and Li Shimin, anyway, this kind of rumor is everywhere. Of course, people who really know the inside story know that Qin Jiarui is Shi Bu's sister Qi, and of course she is also Shi Bu's lover.

"Now we have a large number of people coming to us to discuss our savings, and even many businessmen are willing to deposit their money in our bank. Although our money bank has not officially opened yet, many people have already come to inquire about the news. And even some people still praise me, and even doubt the relationship between me and the crown prince...... But in fact, if it weren't for you, how could I have this opportunity to make money! Qin Jiarui said embarrassedly.

However, Shi Bufan was much more bland, saying: "What's so strange about this, this world is full of rumors, and listening to the wind is rain." Especially for those so-called court who don't know much about it, they think they know something, they speculate about this and that, and what kind of uncle they are in front of those ordinary people, as if that's what they say. A large group of underground organization ministers and propaganda ministers, nothing is used! They guys, they dare to arrange anything, let alone you, this kind of guy is very bold, if you really care, then you are useless. ”

Although a large group of people underground are talking nonsense, Shi Bufan, who is Qin Jiarui's man, doesn't care about these so-called rumors, because he knows that Qin Jiarui is nothing after all, and if it weren't for himself, Li Shimin wouldn't give her face at all. In the final analysis, Li Shimin is giving himself face, not Qin Jiarui. These rumors at the bottom are inevitable, someone is promoted from above, and then those who are jealous and hateful will make up the orchestration. If it's a woman, it's arranged to say that he's the lover of the leader, and if it's a man, it's a bribe. Of course, if a female leader promotes a male official, then there will also be a group of people who will be choreographed to become a little white face or something. This kind of thing in officialdom is full of rumors, and even listening to the wind is rain. Legend has it that it still seems to be like this, but it turns out that it doesn't work any. These things sound very important, but after careful analysis, they are useless, so Shi Bufan doesn't care about them.

"Okay, now it's better to think about how to get these savings back, this time I just asked the prince to issue an edict order, asking him to order the income of those fiefdoms of the great lords to be suppressed for five years, and then it will come to you as a fixed deposit, and then you can use it to lend money to those ordinary people who need wealth. And those noble money are all fat and oily, especially those fiefdom income, the annual income of each Guogong's fief is tens of thousands of yuan, if we can temporarily use these wealth as fixed deposits, we can use it to lend to those people. If these nobles are allowed to save in the house, they can only wait for the money to be used to rust, mold and rot. Either it is used to buy all kinds of luxury goods, so that those second generations of officials can use it to consume luxury. Anyway, this money will not have children, and it is good to save it, so that we will not only give him interest, but also give them this money to have children. Then they can also give those people small low-interest loans, so that they can resume production as soon as possible. Shi Bufan said.

However, when the two beauties heard Shi Bufan's words, their faces were also a little red. Obviously, Shi Bufan didn't pay attention to his choice of words and sentences, saying that there were too many words for "giving birth", so these two women also blushed a little. If it is a later generation, it will naturally not, but in ancient times, it was a little very ambiguous. Even in the most open to the Tang Dynasty, almost no one would put the word "giving birth" on their lips all day long, so listening to Shi Bufan's words that are not taboo made the two girls quite embarrassed.

"Why are you red?" Shi Bufan asked.

"Well, it's fine!" Qin Jiarui replied first.

Shi Bufan continued: "It's actually very simple, these nobles are actually just a waste of money with this money. However, all of these nobles are very rich, and a national prince has an annual income of tens of thousands of yuan, and their annual income can meet the needs of 2,000 families for small low-interest loans. Their annual income can at least meet the needs of tens of thousands of farmers for small low-interest loans, which is a very important source of wealth. If we can temporarily withhold this wealth for five years, it will allow us to help many people resume production as soon as possible, so that tens of thousands of households can buy advanced iron agricultural tools to resume production first, and they can directly reach the maximum output without this process of primitive accumulation. In this way, although they are saddled with debt, they have actually increased their production, so it may not be much less than before. On the contrary, they will be able to recover more quickly, which will allow them to better solve the painful phase of the original accumulation. ”

"And this noble wealth fief comes from the rent adjustment, so this is a very stable income, which will not increase or decrease suddenly, and it is a very reliable source of savings. If we can take advantage of it, qualifying is a very good source of fixed deposits. ”

Shi Bufan knows very well that the main source of funds for bank mortgages comes from time deposits, and long-term time deposits are the most important source of loans. And Shi Bufan thought about where Qin Jiarui's transportation money bank went to get this long-term fixed deposit, and Shi Bufan quickly set his sights on these nobles. Those nobles have a lot of income, and a prince has an annual income of almost tens of thousands of yuan, and I am afraid that it will be tens of millions in the future generations.

The feudal system of the Tang Dynasty was derived from the tax system of the Tang Dynasty, and the tax system was the rent and the rent adjustment was also derived from the Juntian system. Therefore, every male family in the Tang Dynasty had a certain amount of Yongye land and mouth divided fields, and each family had the actual right to use 100 acres of land. However, in the absence of rapid development of the productive forces and the mode of production of production tools, these people receive almost the same amount of food every year, and the error will not be too large. And in the case of a small error, the annual taxes paid are also about the same, so the income of those nobles who have obtained fiefs is actually about the same.

Therefore, as long as this is not a large-scale natural or man-made disaster, the income of these fiefdoms is stable and will not increase or decrease suddenly. Therefore, Shi Bufan set his sights on the income of those nobles, and he directly suggested that Li Shimin order that those nobles must deposit the annual income of the nobles into the transportation money bank opened by Qin Jiarui, so that they can make small low-interest loans to the people, so that they can quickly resume production. If those nobles are allowed to take the money and store it in the warehouse, not only will there be no possibility of "giving birth", but it will rust and mold. As for letting those second-generation officials use it for extravagance and waste, it is also a loss, and it is better to use it to do something meaningful for the people who are temporarily lent to the people.

As for these nobles, they are actually not short of money, and without these fiefdoms, they are all income, and their quality of life will not decline too much. What's more, this is a five-year cycle, and after surviving these five years, it means that you can actually get income every year. It is just regarded as a five-year postponement, not a non-payment. However, the postponement of five years means that the wealth in these five years is enough to help many people, which is a very important help for the people.

"The essence of our money bank is to lend money that is not needed for the time being to those who need it urgently, so that both parties can meet their own needs. The biggest problem of our Datang is that the gap between the rich and the poor is too large, and there is a lack of circulation channels for wealth, so that the people can only passively and gradually accumulate wealth. But the gentry and the bureaucracy occupy a lot of wealth, but if they are willing to spend and let this money flow, it is reluctantly acceptable. But these people have money, but they don't consume, and even if they do, they use it to make those extravagant luxuries. Eating this and drinking that all day long, and getting a lot of useless luxuries, is actually not interesting in the end. However, the people are very envious of these funds, and if they have these funds, the people can resume production very quickly. Shi Bufan said.

The gap between the rich and the poor in the Tang Dynasty was very large, if not to mention the gap between the rich and the poor, but these rich people saved money and rarely spent money, even if they spent money, it was used as a luxury expense, which did not have any benefit to the economy and people's livelihood. Therefore, Shi Bufan had to focus on these wealth, let them lend it to ordinary people, and then let the people create more benefits after resuming production. The channels for the circulation of wealth in the Tang Dynasty were too narrow, it was difficult for wealth to circulate effectively, and the channels of capital circulation were also broken everywhere, and it was impossible to effectively make funds flow. Those who need money have no money, and those who don't need money don't know how to spend it, so it's sad!

Therefore, Shi Bufan's transportation money bank is actually a way to promote the circulation of funds, so that wealth can be circulated between the "bridge" of the traffic bank, so that people who need money urgently need money can have money, and then those who don't need money for the time being can save it to do something meaningful, so that they will not be used to make extravagant and wasteful luxuries.

Since Li Shimin explained the advantages of this money bank to Li Shimin, Li Shimin has also realized this problem. The people need money, but there is no way to get borrowing, and the interest rate of private loans is too high on weekdays, and the annual interest rate is often more than 100 percent, and the people cannot afford to borrow. And the large amount of wealth of the nobles and nobles is wasted and cannot be circulated, and then it is used to buy luxury goods, which has no benefit at all, but will encourage the luxury of the nobles. Therefore, it is better to pledge their five-year fiefdom as the capital for the money bank's lending, so that the people can live a better life, and will not receive the double exploitation of taxes and usury, and safeguard the interests of the people.

"Jia Rui, with the Prince's order next, your money bank can be easily developed. And the so-called poor and rich, rich scholars, those nobles have also saved their fiefdom income, and the merchants will also learn, and they will deposit a lot of wealth in it. Next, you need to review it carefully and don't let anyone get a loan. Once there is a bad debt on this loan, it will be very dangerous for you. In particular, this money bank is competing for credibility, if there is no reputation, then the money bank will inevitably die without a place to be buried. So, you have to pay attention to this. Credibility is something you earn, not someone else gives you. The prince's order can only give you the first help, and the prince will not give you the second help, so you have to take advantage of this opportunity to do a good job. After all, the prince's orders are not reliable, and even the orders of the imperial court should not be completely relied upon. There are definitely not a few things that change the imperial court's decree overnight, so the support of the imperial court can only be used, not relied on, understand? Today, the prince gave me face, so I helped you once, but the prince will not help you in the future. Even, if the prince finds out that this business is profitable, he will even get involved himself. At this time, whose reputation is better is the most important. Don't just rely on the order that I still have the crown prince and get carried away and think that you have no scruples. In the final analysis, the mouths of politicians are not credible, and the crown prince, that is, the future emperor, is also a politician, understand? Shi Bufan advised.

Qin Jiarui immediately nodded and said, "Understood!" ”