There are many ways for banks to make money, but the most important way is to borrow interest, if you just lend your own money, then the bank's income may not even be 1/10,000 of the current one.

"Using other people's money to make money for yourself is the smartest way to make money."

Li Er was obviously very interested in what Wang Xiang said: "How to use other people's money to make money for yourself?" ”

Wang Xiang said with a smile: "This is going to talk about Qianzhuang." ”

"Money is not only a loan, but also attracts people to save money, which is the most profitable business in the world."

Hearing the most profitable business in the world, Li Er's eyes lit up, his eyes burned, what Wang Xiang said before felt very convincing after his careful scrutiny, and now he is more and more confident in the business of Qianzhuang.

"Why do you want to attract people to save money, and why do people want to save money? Let's take it into detail! He had already vaguely guessed Wang Xiang's intentions.

"Isn't Your Majesty worried that there is not enough money to lend to the people of the world, but if the money of the people of the world is in the ......hands of Your Majesty," Wang Xiang smiled.

Li Er understood that this was the reason to attract people to save money, but why did the people keep their money in the bank?

Facing Li Er's question, Wang Xiang said unhurriedly: "Let's not talk about ordinary people first, let's talk about the merchants of Datang, after all, they only have a lot of money in their hands." ”

Li Er nodded, don't look at the low status of merchants, the real rich merchants are even richer than some families, and the word rich is used to describe those rich merchants most of the time.

"Merchants often travel from place to place to buy and sell, and the amount of money required is so great that it is inconvenient to carry such a large amount of money. Second, it is not safe. Take Yangzhou businessmen as an example. It is a long way from Yangzhou to Chang'an. Carrying a lot of money along the way is naturally a reminder of fear. If His Majesty has a money bank in Yangzhou and Chang'an respectively, then Yangzhou merchants who come to Chang'an to do business can first deposit money in Yangzhou's bank, and the money bank will charge some storage fees and then issue a certificate of deposit, so that Yangzhou businessmen only need to come to Chang'an with a certificate of deposit, and when they need to use the money, they can get back their money in Chang'an with the deposit certificate issued by Yangzhou bank. Doesn't Your Majesty think this is more convenient and safer for them? ”

Li Er had never thought that things could be done like this, and suddenly he had a feeling of enlightenment, and nodded and motioned for Wang Xiang to continue.

Wang Xiang swallowed his saliva and continued: "Moreover, in fact, many people don't need a lot of money on weekdays. These temporarily unused money is placed at home to occupy a place, and if there is a robbery, it will be a great loss, but if they keep the money in the bank, they don't have to worry about these troubles, they just need to keep the proof of saving, and when they need to use the money, they can go to any bank at any time with the proof of deposit to exchange for cash, what does Your Majesty think? ”

Li Er had basically understood the meaning of the money bank at this time, but he still doubted: "I'm afraid the people won't believe in depositing money in the money bank so easily, right?" ”

Wang Xiang smiled slightly and said: "If it is a money village run by someone else, of course the people will not believe it easily, but if it is a money village run by His Majesty or the imperial court, it will be different, although there will still be many people who are skeptical, but there will always be people who are willing to try, as long as someone tries it, everything is not a problem." It's just a matter of course. ”

"Hmm." Li Er nodded and was silent for a moment.

"I understand your intentions. You are going to lend the money that the people have deposited in the bank to other people, so that you can use other people's money to make money for yourself, but what if you lend out the money and the people who saved it come and withdraw the money? ”

"Haha, some people borrow and some people repay money, some people withdraw money and some people save money, the cycle goes on and on, and money comes and goes."

Li Er's brows finally relaxed, and he took a sip of wine and asked, "What if no people are willing to try?" ”

Seeing Li Er's expression, Wang Xiang knew that he must have also thought of a countermeasure, and said with a smile: "The ministers are also the people, if Your Majesty opens money, Zhuang will be the first to save money." ”

"Haha, I'm waiting for you to save money first!"

Don't underestimate the wisdom of the ancients, especially the powerful ancients, there are many other problems in opening a money bank, and even many problems are not even taken into account by Wang Xiang, but Li Er has come up with them one by one and has a solution, Wang Xiang can't help but feel that if he doesn't have the knowledge of later generations, he really has nothing to do.

The matter of the money bank is not in a hurry, there are too many things that need to be carefully planned, these are not things that Wang Xiang is good at, he only mentioned one point, anyone except the court to run a money village privately is a felony!

Li Er thought at first that Wang Xiang was worried about others competing for profits, but after listening to his explanation, he understood that the meaning of Qian Zhuang was by no means as simple as making money.

"Isn't Your Majesty worried that the family has become a hidden danger of a chaotic country, as long as the money of the imperial court rises, these problems will not exist, even if they want to disturb the country, they can't make a mess."

"Oh? What makes sense? Li Er's eyes revealed a gleam, he cared more about the stability of the Tang Dynasty than making money.

Wang Xiang spread his hands and made a strange expression: "The money of the people in the world is stored in His Majesty's bank, who will have trouble with their own money......

"Hahaha!"

Li Er's laughter shook the sky, and even the guards outside the Taiji Hall could hear Li Er's laughter, and they all showed envy on their faces, and there was probably no one else who could make His Majesty laugh so heartily except for Marquis Jiayuan.

Wang Xiang's suggestion won Li Er's heart, and the people's money is in whose hands, and the people will naturally stand on whose side. Similarly, if the money bank is held by the family, it will also be a fatal blow to Li Er, so if someone runs the money bank privately, he will definitely not be soft!

"After talking for a long time, the dishes are cold, let people change to a table of wine and food, and we will have a good meal." Li Er's mood was really good, he couldn't help but be excited when he thought that the money of the people in the world would be deposited in his own bank, and there was no need to worry about any family at that time.

Accompanied Li Er to eat and drink, Wang Xiang was already stumbling when he left the palace, Li Er was good at wine, and naturally drank more when he was happy, plus he drank a high degree of wine like a special daughter red, Wang Xiang drank averagely, and it was not strange to get drunk out of the palace.

After returning home, he lay down and slew, even the clothes were taken off by Wu Shun for him, and the corners of his mouth were raised high when he fell asleep, obviously very happy in his heart, the income of Qian Zhuang is definitely not comparable to other transactions, this is equivalent to the net profit of all the banks in the future, and he is happy when he is drunk.

After Wang Xiang left the palace, Li Er couldn't wait to go to the Lizheng Palace, he felt that it was not appropriate to discuss the matter of Qian Zhuang with anyone, the eldest grandson queen was Li Er's most trusted person, and he was delicate, and this matter was only relieved to discuss with her.

Although the money village is run in the name of the imperial court, it is actually Li Er's private property, and the proceeds also go into Li Er's inner treasury rather than into the national treasury, which is very different, which is also Wang Xiang's proposal, Li Er deeply thinks so. (To be continued.) )