"Your Majesty, you have also seen that this air tightness is not solved, such a mass production machine is too slow, not much better than ploughing cattle, but now that the prototype has been successfully developed, as long as the fleet can bring back the rubber, the hope of mass production is at hand." Gao Fuji explained.

Li Er nodded: "Where is the fleet that sailed now?" ”

Gao Buji said: "A few months ago, I went out of Beihai and entered the Goguryeo Sea, and there was no news back after that, because there were fewer people on the route, and it was more difficult to send back the news, but if it goes well, I estimate that they should be in the Bering Sea at this time, and they should be able to return to Datang at the end of next year or the beginning of the year after that." ”

"Their trip is too important for me Datang." Li Er touched the tractor in front of him and sighed: "What kind of rubber tree is it, do I really not have it in Datang?" ”

"The minister searched through the ancient books and asked the local elders, but he never saw them." This is absolutely a lie, just kidding, has the rubber tree been found in the future, how can Gao Buer waste time on this?

Saying this, it is also to let Li Er remember that it is not easy to sail the fleet, and I hope that when they return smoothly, the imperial court will be able to reward them, otherwise who will rush to sail and fight for their lives with the sea, the previous people did not know the horror of the voyage, and after this time, I am afraid that the world will have a more intuitive understanding of the horror of the sea.

If there is no greater temptation in the future, it is estimated that it will be difficult for people to sail far away, if they do not sail far, how can the high-yield grain reach Datang, and how can it meet the problem of feeding the population that will grow rapidly in the future.

After visiting the academy, it was already dark, Li Er asked Gao Buer to enter the palace early tomorrow morning, he wanted to know what was going on in finance as soon as possible, Gao Buer was naturally full of promises, Li Er and the students of the academy waved goodbye again, Luan drove slowly to start, before leaving, Li Er promised to implement the examination system in the country, and would select students for the college to be included in the education system of the country, and he was ready to continue to eradicate illiteracy.

Early the next morning, Gao Buer took Xu Jingzong, Wang Yuanbao and four students from the academy to Li Er's palace gate to ask to meet the emperor. ”

Gao Buer nodded, and the group followed the inner servant to the Qinzheng Palace, at this time, the six important members also hurried to this side, today is the top priority of Li Er's trip to the south of the Yangtze River, which directly affects the luck of the country, so Li Er attaches great importance to it, and orders the accompanying ministers to participate, and they are not allowed to ask for leave.

Gao Buer and the others came to the hall, and saw that Li Er and Du Ruhui had already been waiting there, the hall was full of tables, on which were placed the four treasures of the study and paper, Gao Buer was a little strange, I didn't know what Li Er was going to do with these, came in to pay homage to the emperor, Gao Buer sat down on Li Er's left head, and the hundred officials arrived.

After the official ceremony, Li Er said: "Today, King Zhou will explain finance to everyone, this is a major event of the country, I hope that all Aiqing can listen more, remember more, and sit down." ”

Feelings, these tables, paper, are used for this.

The hundred officials sat down, and Gao Buer looked at Li Erchao's side, and then walked out and said, "Thank you, Your Majesty!" ”

"Uncle Huang, please."

Gao Buer said to these hundred officials: "In order to let everyone have a clear understanding of finance, I will demonstrate it first. Waving his hand to signal Wang Yuanbao and the students of the academy to come out, Xu Jingzong carried another cloth bag, and when he heard the bell, he knew that it was a gold coin.

Gao Buer took out the gold coins from the cloth bag and gave ten gold coins to each of the five people, including Wang Yuanbao and the students of the academy.

Then he said: "Now if I am the shopkeeper of the cabinet, my cabinet provides both deposit and loan services. Deposit your money with me, and I will give you three percent interest per month on a monthly basis, and you need to give me five percent interest every month if you take something from me as collateral to borrow. ”

Gao Buer raised his hand, Wang Yuanbao and the students gave Gao Buer the money in their hands, and Gao Buer accepted it and wrote down the voucher for them.

"With the voucher, they can go to the cabinets I opened all over the country to receive money, but I will charge half a cent for each payment, of course, the upper limit is one or two silver."

"Now, Wang Yuanbao Wang Yuanwai needs fifty gold coins because he needs to buy goods urgently, but he only has ten gold coins saved by me, so he wants to borrow ten gold coins from me with a house as collateral, and repay the loan after one year, according to the agreement, he needs to pay me five percent of interest per month as a handling fee, so that after a year, he needs to return ten gold coins plus forty-eight taels of silver (according to one gold coin and twenty taels of silver), and these forty-eight taels of silver is the revenue and profit of the cabinet, and they have four ten gold coins stored in me for a year, I will also pay each of them seven taels of silver, so that the cabinet will make a profit of twenty-seven taels of silver, and these twenty-seven taels will be the net profit of the cabinet. ”

"Of course, in reality, you also need to deduct the house rental fee, labor cost and so on."

Du Ruhui said: "Lord Wang, that is to say, you only provided a trading place, and you earned twenty-seven taels of silver in vain." ”

"I can't say that I made it for nothing, I have to take the risk if you save my money, and then you can take a fluttering voucher to the cabinets all over the country to withdraw money, how much effort has been saved, and it is also appropriate to charge some service fees."

"I'm afraid that no one will dare to deposit money in your cabinet easily."

"So you need to be in the name of the imperial court, so that it is reliable, people trust you and make money, and you will save it slowly."

To put it bluntly, it was the main function of the bank in later generations.

Then it is time for Wang Yuanbao to play his strengths, he talked about the operation of the cabinet in detail, after discussing for seven or eight days, it was finally determined that the name of the cabinet was called the royal cabinet, Li Er agreed to take the royal gold-lettered signboard out of the guarantee, with a ten-year period, the imperial court accounted for seventy percent of the income, Wang Yuanbao they accounted for three percent, and then for a period of ten years, Wang Yuanbao they all withdrew. This is Gao Fuji's suggestion, and it is definitely not a wise choice to do business in partnership with the imperial court.