After Li Shimin arranged Li Junxian's task, there was nothing to arrange. Normally, Li Junxian cannot become the prime minister in more than ten years, so Li Junxian is mainly responsible for teaching the prince and the kings the art of war, so that they can become talents, and Li Junxian may be able to assist the prince as the prince's teacher in the future.

"Your Majesty, in fact, there is one more thing at present, which may not be inferior to tutoring the crown prince." Li Junxian said.

"Oh? What's the matter? Li Shimin asked.

"Your Majesty, the minister plans to ask Your Majesty and the princes and nobles to jointly establish a money bank." Li Junxian said.

"Money? What's that? Li Shimin obviously didn't know what a money village was.

Li Junxian also had a headache, and he didn't know how to explain the concept of finance. In fact, even in later generations, many people do not know why finance is what it is, and they do not know it deeply. And if you explain finance to the people of this era, it is playing the harp to the cow, because the financial industry has not yet developed. What Li Junxian has to do is to let the financial industry pass through the initial embryonic stage and directly enter the initial stage of finance. This kind of jumping surname development is not without problems, and there will even be some troubles. Because of the imperfection of various financial theoretical knowledge, and because there is no corresponding talent, it is not easy to control.

But although it is difficult, what needs to be done is also to be done. The financial industry can speed up the development of many industries, and even help the poor people at the bottom to tide over difficulties, which is what must be done. The so-called lack of talent, but it is possible to train talent while starting, so this is not a big problem.

"Your Majesty, Qian Zhuang is a business that specializes in money, and uses money to make money. However, our money bank is not mainly for profit, but to help the lower class of people to tide over the difficulties. Li Junxian explained.

Li Junxian then explained to the emperor the so-called depositor deposits, and then ordinary people took out loans, and then profited according to certain interests. And Li Shimin was also very happy to hear it, because this can help many poor peasant households tide over the difficulties. Because in the Tang Dynasty, the interest rate on private loans was mostly 10% per month, and 120% a year. With such a high interest rate, I am afraid that I will not borrow when it is not a terrible time. Even in business, who can guarantee that they will be able to make 120 percent of their profits a year? So it's hard to really borrow for development.

Once ordinary poor peasant households borrow this money to survive, I am afraid that in the end, once the profits roll over, they will become debts that they cannot repay. At that time, it would be very miserable to sell yourself into slavery or sell your land. As an empire in the feudal era, the number of yeoman farmers was a barometer of the stability of the dynasty. The more yeoman farmers a dynasty has, the safer the dynasty will be.

Although Li Shimin did not think of such a profound theory as land annexation or any other influence, this is a problem of the times. But Li Shimin is also cheeky, of course he knows that if the people can't survive, then let the rebellion. Li Junxian's method can delay the livelihood of many people, at least without having to sell their land. There is no need to sell the land, that is, it is still the class of yeoman farmers, then the country will be stable.

"Well, according to your interest rate of only 10% a year, this is a very low interest." Li Shimin sighed.

Li Junxian thought to himself: "The interest of 10 percent a year will probably be almost non-existent in the banks of state-owned assets in the future." Only those who borrow from individuals will have such high interest rates. If I raise the interest rate of this state-owned bank to 10 percent, I am afraid that I will destroy the jobs of many people who rely on loan sharks. ”

Li Junxian has no good impression of those loan sharks. Although Li Junxian was dissatisfied with many situations in society in later generations, he was still very supportive of cracking down on usury, and even supported it with both hands and feet. So he doesn't have any pressure at all about smashing the jobs of those loan sharks now. Anyway, Li Junxian was not afraid of their retaliation, during this period of the Tang Dynasty, the strength of the financial industry was not so strong, and he could not use the means of influencing the political axe to retaliate against himself.

"Your Majesty, in fact, this money bank can also help with business development." Li Junxian said.

"Business? What can business do? Since the pre-Qin period, China has always been heavy on agriculture and suppressed business, how can you promote commercial development? Li Shimin asked.

Only then did Li Junxian remember that in ancient times, agriculture was heavy and commerce was suppressed, and the Tang Dynasty was the same. However, Li Junxian knows that business can bring a lot of wealth resources, even more than agriculture. From the perspective of the later Song Dynasty, the benefits that commerce can bring are very many. The Song Dynasty was the only era in China that did not despise commerce, so commerce was able to develop and bring a lot of wealth to the country. Therefore, don't look at the Song Dynasty being beaten to a runny nose, but his social output value and national income far exceed that of the Tang Dynasty, and even the wealth of the Tang Dynasty cannot even reach a fraction of that of the Song Dynasty.

"Your Majesty, let's not talk about business first, let's talk about something else first!" Li Junxian said.

Li Junxian is not stupid, he will not take the initiative to say more business, which is not in line with the traditional thinking of the ancients. And Li Junxian intends to support business in the process of implementation. There are some things that cannot be said, as long as you make money and secretly support business, when the country brings great wealth, then the country will not despise business. In this world, you can have hatred with anyone, but no one can have hatred with money! Especially for a country, it needs money to develop its domestic economy, build the country, and fight wars and open up its borders. As long as business can bring great wealth, who will have a grudge against business!

"Okay, Jun Xian, then who will be in charge of this money bank? After all, this is often very philistine, and ordinary people are probably reluctant to do it! According to what you said, this money bank is a public-private partnership. The imperial court contributed a part, and the princes and nobles also contributed a part, and if a random person was invited to manage it, it would not be appropriate, and everyone would not be at ease. But who among the princes and nobles is proficient in this way? The profit model of this bank is different from the previous business, who are you going to let manage it? Li Shimin asked.

"Your Majesty, let Dugu Yiren, the daughter of General Dugu Yanyun, manage it, I will work with her to build this money bank, and then let her be responsible for managing this money bank." Li Junxian replied.

"Dugu Yiren? Woman? Li Shimin was a little surprised.

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