When Liu Qing went to discuss with Cui Ying about opening a bank, Jingwen was ready to go to the palace and ask to see Li Shimin. And the reason Jing Wen used was to help Li Shimin solve the problem of military salary transportation, which of course made Li Shimin pay attention to it. Now, not only do merchants need to transport large quantities of copper coins when trading, but also the transportation of government financial funds is also a long-standing problem. Back then, didn't Jingwen's father-in-law Cheng Yanjin start by relying on a "robbing the emperor"? In fact, all that Cheng bit gold and looted were copper coins, that is, the military salaries issued by the Sui Dynasty to the localities. Such a large amount of military salary, transportation costs and protection costs are also very huge. And since Jingwen can say how to solve this problem, it will naturally make Li Shimin pay attention to it.

"Your Majesty, the minister saw that the emperor had worked hard for the development of my Tang Dynasty and did his best, so the minister naturally wanted to share his worries for the emperor! A few days ago, the courtiers heard from an adult in the military department that it was difficult to transport military salaries, so the ministers got along with a good way to help the emperor transport military salaries simply! Jingwen said.

Jingwen is very shameless, obviously he wants to make money, but he actually said that he is for the emperor's worries, as if the reason for making money is for the good of the country, and making money is only secondary. However, Li Shimin may have known about Jingwen's urine for a long time.

"Tell me, what idea do you think of to make money, and then you want me to cooperate?" Li Shimin asked.

"The emperor is wise, of course the minister's careful thinking can't hide it from you!" Jingwen immediately said politely.

Li Shimin laughed and scolded: "It's your ability that you still want to hide from me?" ”

Jingwen immediately laughed. Apparently not taken seriously. Jingwen actually did this intentionally, because this is also a way to pat on the back. Jingwen learned this from He Shen, a sycophant master of the Qing Dynasty, and He Shen deliberately showed off his talent in front of the emperor several times. But. In the process of teasing, he deliberately said some mistakes so that the emperor could correct them. In this way, the emperor was able to show his ingenuity, and felt a sense of contentment, vanity, and satisfaction. And Jingwen meant this way, although he said that it was for the emperor's good. But in fact, deliberately exposing flaws for Li Shimin to point out, doesn't this make Li Shimin feel that his head is very good? In this way, Li Shimin's vanity also came up.

Jingwen hurriedly explained about the financial bank exchange. That is to say, let the imperial court exchange the military salary into gold and silver, and then let a small number of elite troops escort these high-value, small-weight gold and silver to the border pass, so as to reduce the consumption of many people to eat horses. Usually the escort of military pay requires a large army. Now it's just a matter of sending out some elite troops. This way the consumption is much less. For example, the Einsatzgruppen is up to the task. And at the border pass, so that the gold and silver can be exchanged for huàn again into copper coins, and then distributed to the soldiers.

"You mean, you want to make money with this too? Let me use the government to give you publicity? Li Shimin asked.

"The emperor is wise!" Jingwen said immediately.

Jingwen's meaning is obvious, that is, let the emperor come forward and let the government use this method to transport money. Aren't those businessmen going to follow suit? As long as the emperor's government wants to do so. That means that the credibility of the bank opened by Jingwen is also there. The most important thing in starting a bank is credibility. If there is no creditworthiness, then the bank will be run. Of course, at present, Jingwen does not provide deposit business, and only provides the business of exchanging huàn currency. But this also requires credibility, because in the Tang Dynasty, gold and silver were not currency, but only a kind of goods. If you don't have credibility, the merchants won't trust you to recycle the gold and silver and give them back the coins.

This is like the robbery of gold in later generations, but in later generations, gold is not a currency, but a commodity. In the future, when there was gold, it was not possible to use it to buy things, so there was no point in storing it. The same was true in the Tang Dynasty, where gold and silver were just a commodity, no different from all kinds of other commodities. Therefore, the merchants were inevitably afraid that if Jingwen did not exchange the gold for currency, they would smash it in their hands.

And now Jingwen has asked the government to do the same, that is, to be able to tie his bank to the government, so that he can use the prestige and credibility of the government to make businessmen believe. And now the imperial court also has a need for this kind of funding, so of course it is necessary to provide services.

"Your Majesty, this bank is also beneficial. For example, if the local government escorts taxes into Chang'an, it can also be the same! As long as the copper money is handed over to the local bank, then the local government can take the gold to Chang'an, and then turn the gold into copper money again after arriving in Chang'an, and this is the same thing! Your Majesty, think about how much money we can save on money escort just in this way! And this year, I'm afraid the loss will be countless times less, so isn't the rest of the money our net earnings? Moreover, I can give the central government a free allocation for services, while the local government escorts to the center, and we only charge a thousandth of the fee. Jingwen said.

Li Shimin simulated this operation mode in his mind, and found that it was not impossible. In this way, the government can save a lot of costs in transporting copper coins every year, which also reduces the safety and various risks. Li Shimin couldn't help but think of Cheng Biting Jin, who robbed the emperor's gang, wasn't it that he robbed the military salary of the Sui Dynasty, and then he was arrested, and then he was recruited by Zhang Xutuo into the army to fight in the south and the north? However, this can also show that a large number of copper coins are transported together, and it is indeed easy to be robbed!

"Tell me that if you convert all these copper coins into gold and silver, won't you transport them then? If someone else converts copper money into gold and silver, then don't you also have to transport it to another place for someone else to exchange huàn back? How are you going to transport it? Do you have such a strong transport capacity there? And that's a lot of money, so how can you transport it? Li Shimin asked.

Li Shimin just couldn't figure it out, since the government couldn't transport so many copper coins, how did Jingwen transport it? Jingwen ate these copper coins, didn't that mean that he was transporting these copper coins to other places? Isn't this risk all passed on to Jingwen's bank? Therefore, Li Shimin was very curious about how this Jingwen was transported.

And Jingwen listened to Li Shimin's words, and then he understood that Li Shimin was a financial idiot! (To be continued......)