As soon as these words came out, Fu Su sighed in his heart, why was Ran Fang's thoughts today so sudden?

It's even contrary to the previous thoughts, jumping back and forth like this, I'm afraid it will hurt Lao Tzu and Daqin, right?

If the imperial court really proposes to raise food from people all over the world, then even if some people are unwilling in their hearts, but for the sake of His Majesty's face, I am afraid that they will not dare to say no easily, right?

In this way, doesn't it mean that the imperial court should use means to let the people take out the food in their own homes?

What's the difference between that and the previous taxes?

Even, even more than taxes!

Although he was a little disapproving in his heart, when he saw Ran Fang, his tone was still unconsciously soft.

"Sir, this matter ...... Is there something wrong? ”

"Now that the people are just getting rich, they will have to take more food out of their hands, and this is ...... I'm afraid that the people won't agree, right? ”

"What if it arouses the rebellion of the people?"

"Besides, the abolition of conscription was also proposed by Mr. before, and now he is acting like this, I am afraid that it will make the people think that the court has reversed itself and will reduce the strength of the court's speech, right?"

Ying Zheng didn't speak, and there was obviously a hint of approval in his eyes.

Therefore, his thoughts were the same as Fusu's, and he obviously disagreed with Ran Fang's matter.

This time, they misunderstood again, how could Ran Fang do things like this?

He looked at Fusu, then at Yingzheng who was sitting on the high platform, and explained: "Fusu Gongzi is wrong. ”

"What the minister said did not force the people to take out the grain at home, but asked them to take it out willingly."

"Or to put it another way, to borrow food from the people with money."

"Borrow?" Fusu exclaimed, even more incomprehensible, "Still take money and borrow from the people?" ”

"Let's not talk about whether the imperial court's treasury is enough, let's just say that the imperial court and the people borrow grain, will they worry that the imperial court will not pay it back? How could anyone be willing to take it out? ”

Ran Fang replied: "Naturally, they won't be willing, so give them enough benefits, as long as there are benefits, no one will be unwilling." ”

With this series of questions, Fusu felt that his brain was no longer enough.

He couldn't help but exclaim: "Benefits?!" ”

Ying Zheng, who was sitting in a high position, had a new understanding of the existence of Fusu at this moment.

As long as Fusu is there, he doesn't need to ask these questions, and he seems to be a little smarter.

Seeing that they didn't understand, Ran Fang finally concluded: "Yes, it is to give benefits." ”

"Therefore, we have to set up a bank in Daqin."

With such a novel concept, Ying Zheng was also shocked, what novel idea did Ran Fang put forward?

This time, without waiting for Fusu to speak, he first asked, "Food bank?" ”

"Can the food widow understand, what does this bank mean?"

"What is this bank for?"

Ran Fang smiled and said, "The bank is a place for people to deposit money, and if they need it, they can also borrow money from the bank." ”

"Their money is deposited in the bank, and the bank has to pay them a certain amount of interest, and if they want to borrow money, they naturally have to charge additional interest."

"And this food bank is to let the people deposit their food in the food bank."

"The rest of the rules are the same as banks."

"Then we can set up a bank in the city, and a grain bank, which can be used to store money, and second, to store grain."

After their explanation, both of them understood the meaning of Ran Fang's words.

But Fusu still didn't understand something, he looked at Ran Fang and asked, "I understand the reason, but why do the people save the money?" ”

"And how should the interest that the gentleman said be calculated?"

"If it continues to develop like this, won't the imperial treasury be empty soon?"

Ran Fang felt that this Fusu was obedient and only half listened?

As I said earlier, if you save money and give money, you will naturally need money to borrow money.

"There will be those who save money, and those who borrow money will naturally have."

"There are many people who have money, and there are many people who have no money."

"Now that a lot of small businesses in the city have been opened, if they want to do business and make money, they will naturally borrow money."

"Just like in the last auction, those nobles wanted to expand their business, and borrowing money was a must."

"If there is a place to borrow money, how can they let it go?"

"Because borrowing money will allow them to expand their business, they will naturally make more money, and when we lend money to them, we will also charge a certain amount of interest, and the difference in the price is what the bank receives."

At this time, Fusu and Yingzheng both understood what Ran Fang meant.

As the emperor, Yingzheng can naturally see the profits behind the bank, but at the same time, he is also a little worried.

"The widows understood that in fact, the money they borrowed was money deposited by others."

"But there is a problem, if they all go to business and borrow money, then the bank can't afford it, right?"

Greed is human instinct.

Seeing that there is an opportunity to borrow money to do business, who will let it go?

If all those people come to borrow money, the bank will be closed before it opens.

It can only be said that Ying Zheng sees human nature very thoroughly, but he does not see enough people's hearts.

Ran Fang said: "Your Majesty's words are reasonable, but now that the people have just lived a life of food and clothing, and not so many people dare to take out their own money to do business." ”

"It can always be seen from the things in this small business market, and doing business is not so simple, some people can make a lot of money with the same things, but some people will lose all their money."

"They naturally understand this, so those who dare to do business must have brains and certain funds, otherwise the business will not be done, and they will put all the money they have accumulated into it, and they are not so stupid."

"Moreover, the person who wants to borrow money also has to be investigated, and no one can be willing to lend money to any person, it still depends on their own strength, if they lend money to a scoundrel, wouldn't it be a gift of money?"

Ying Zheng couldn't help but nod his head, and when he heard Ran Fang say this, he was relieved.

He was really worried that when the time came, everyone would come to borrow money, and he was afraid that it would not be enough to take out all the treasury.

"That's right, but it's possible."

"So what is the food bank going to do?"

"If someone stores grain, who will borrow it?"

Food is not the same as money, food is a consumable, why should people who have food at home need to borrow food?

If someone comes to borrow grain, it means that his life is very difficult, and the borrowed grain will not be returned at all.

It's an unsolvable puzzle.

Ran Fang said softly: "Your Majesty, the grain bank only accepts but does not lend. ”

"Moreover, when the food bank started, His Majesty wanted to put forward a concept at the same time, that is, to store grain for the benefit of the people."