"It's always been a good month, and it's not profitable?"

Li Er seemed to be a little unconvinced of what Wang Xiang said.

was criticized and educated by Li Er, Wang Xiang really felt wronged, but he also figured out one thing, the Tang Dynasty did not have a money bank, but lending has existed since ancient times, and it is all usury, so when Li Er heard Wang Xiang talk about borrowing money to collect interest, Li Er would be so angry.

Li Er misunderstood that he wanted to lend usury, of course, Wang Xiang had to quickly explain clearly, it has always been that the monthly interest of 200 Wen is 20 percent, and in ancient times, it was all profitable, he was not so black. He already thinks that there is a lot of money per month, which bank has such a high monthly interest rate in the future? Of course, lending is only one of them, and the most important thing has not yet been said.

"If Your Majesty thinks that the monthly interest of ten wen is still high, we can drop it a little more, how about eight wen?"

Only then did Li Er react, shook his head and said, "If it has always been Qian Yueli, it is not high. "Not only is it not high, in Li Er's opinion, the interest rate is too low, the interest of lending a thousand wen a month is only ten yuan, what is ten yuan enough? Who can casually lend 1,000 yuan?

"This, I am not bad for the benefit of this ten cents...... the dignified Tang Emperor actually talked about the interest of ten cents, Li Er was a little embarrassed.

Wang Xiang knew as soon as he saw Li Er's appearance, it turned out that he couldn't look down on the interest of the ten wen, and he couldn't help but despise it in his heart: if the interest rate is high, it is an unrighteous act, and if the interest rate is low, he can't look down on it, it's really difficult to serve.

However, who made the matter of running a money village inseparable from Li Er, Wang Xiang had no choice but to follow the temptation: "Consistent money is ten wen per month, ten guan money is one hundred wen a month, and one hundred guan a month is consistent profit...... If it's 100,000, there will be a thousand benefits in January! 100,000 guan in your hand will always be 100,000 guan and will not cost a penny more, but you can lend it out. There are 1,000 profits per month. ”

Li Er suddenly became interested when he heard this, he just thought of lending his usual money to make a profit of ten wen a month, and he couldn't look down on ten wen, but if it was thousands of profits, I am afraid that no one would care.

"But would anyone borrow as much as 100,000?" Li Er thought of another question.

Wang Xiang smiled and said: "It is not uncommon for a business to require tens of thousands of turnovers, and besides, Your Majesty can not only lend to one person, even if it is only borrowed." If the people of the Tang Dynasty all borrow money from His Majesty, how much is it? ”

Li Er's eyes are getting brighter and brighter, and the people of Datang are more than one million, and each person borrows the same ......

Of course, it is impossible for everyone to borrow money from themselves, but it is also impossible to borrow only consistently, so the benefits are really considerable, and the most important thing is that you can benefit by simply borrowing money, and there is nothing easier than this.

Thinking of this, Li Er was indeed a little tempted, and he had always made no more than ten cents in a month's interest. Not only is it not an unrighteous act, but also as Wang Xiang said, it is a move to benefit the people, and the people will definitely be grateful if they can borrow a sum of money to solve the difficulties with very little interest when they encounter difficulties, and this move can not only make a profit but also win the support of the people, which is really feasible.

The ideal is full, but the reality......

As soon as he thought of the rest of Li Er, he couldn't help frowning, with the glaze of the Gewu Academy, Li Er's inner library was indeed a lot fuller, but it was impossible to say that lending money to the people of the world could only be said to be a drop in the bucket.

Theoretically, the more money you lend, the more you will get, but the problem is that Li Er's inner treasury is only about one million yuan at most. Moreover, the expenses in the palace are not small, and it is impossible for him to lend all the money, thinking of this, he has another layer of worry.

"What if someone borrows money and doesn't pay it back?"

Wang Xiang smiled: "That's why I said that Your Majesty has to borrow this money." Some people may dare not to repay the money lent by the minister, but I am afraid that not many people dare not repay the money lent by His Majesty. Moreover, this money is not borrowed casually, who can borrow and how much can be borrowed These need to be carefully considered, simply put, according to the borrower's own economic strength and business ability. Character, morality and other aspects give them credit ratings. ”

"Creditworthiness?"

"Yes, for example, the Yangzhou merchant who bought and sold golden silk nanmu. First of all, he has been doing business for many years, and he has never traveled to the pool, and only such an accident shows that he has strong economic strength and management ability, as long as he can pass this pass, he will have the ability to repay in the future. Secondly, after the accident, he did not abscond, but sold his house to make up for his mistakes, which shows that this person is honest and trustworthy. With the ability to repay, it is natural to take the initiative to exchange money. Moreover, this Yangzhou businessman has supplied gold silk nanmu to the palace for many years, and the court knows him well. All aspects can be combined to classify him as the one with a higher degree of creditworthiness. If you are a lazy and untrustworthy bachelor, you will naturally have no credibility. It is easy for people with high credit to borrow money, and the amount of money that can be borrowed is also large, while it is difficult for people with low credit to borrow money, and the amount of money that can be borrowed is naturally not much. ”

"Of course, people who borrow a lot and repay well all the time can also slowly accumulate creditworthiness......"

Wang Xiang said in great detail, and Li Er listened very carefully, sometimes bowing his head and sometimes pondering.

I have to say that the idea of credibility proposed by Wang Xiang is very novel, but it is very convincing, and Li Er can't help but nod slightly.

Wang Xiang hit the railway while it was hot: "If Your Majesty thinks that this method is feasible and can let people formulate a detailed credit standard, then there will be no situation that Your Majesty is worried about." ”

Li Er habitually knocked lightly on the table, groaned for a moment and looked up and said, "The credibility you said is indeed feasible, but it ......"

Seeing that Li Er was already a little moved, Wang Xiang hurriedly asked, "Does Your Majesty still have any doubts?" ”

"Although I am the emperor of the Tang Dynasty, if all the people in the world borrow money from me as you said, I don't have so much money to borrow."

Li Er's inner treasury can lend out about one million guan, that is to say, the interest of 10,000 guan a month, tens of thousands of guan a year, is a lot, but if it is just like this, I am afraid that it will not even be able to compare with the purchase and sale of salt and printed books, and besides, I have to lend out all the money in my inner treasury first, and I am somewhat reluctant in my heart.

Wang Xiang laughed when he heard this: "Your Majesty, but you don't think this deal is big enough?" ”

Li Er snorted noncommittally, he naturally wouldn't say it, but the expression on his face was like this, Wang Xiang said that the world's transactions are not as good as this deal, and now it is still far behind.

"The minister said that he wanted His Majesty to lend money to the people, but he didn't say that he would borrow His Majesty's money."

This sounded weird, and Li Er couldn't help frowning and said, "Since I lent money to the people, how can I not borrow my money?" ”

Is the money lent by the bank the bank's own money? Wang Xiang smiled and said meaningfully: "Why does Your Majesty want to borrow your own money......" (To be continued.) )