Even if there are so many nobles and royal relatives in Chang'an City, if anyone wants to join forces to deal with him and put some crooked ideas on him, where can he hold on! Therefore, it is not unreasonable to say that wealth is not exposed.

However, even if Qin Shou opened a bank by himself, in the final analysis, he did not have any prestige and security, no different from those underground banks, who would deposit money with him?

"What's the difference between this and those banks? If those money banks were to do serious business, as far as I know, they wouldn't make much money! I had a friend before, who was engaged in this, and in the end, the mother-in-law and children ran away! It's unacceptable! ”

"All his money was borrowed by those gamblers through the underground bank, those gamblers all asked for money, rotten life, my Datang law is clear, and I can't take people's lives, in the end, his money, bamboo basket is empty!"

Li Shimin said, and glanced at Du Ruhui meaningfully when he spoke.

"Yes, this can't make much money at all, and it's very troublesome, in case you lend money to others and run away from the debt, this is a lot of trouble, don't go the side door, this road is not easy to walk, and there is a lack of supervision, you can't see the hearts of the people!"

Du Ruhui lowered his head and shook his head and said.

Don't ask him how he knows, he is Li Er's friend, and his family also engaged in this business at the beginning, and in the end, he called you the secretary of the military department, and called you the prince of the country, saying that there is no money is no money, and saying that bankruptcy is bankruptcy!

Later, this incident was also taken as a negative lesson by Li Shimin, and it was preached among the civil and military officials of the Manchu Dynasty, telling everyone to take this as a warning, don't go to the side door, otherwise the mother-in-law and children will run away in the future, and only the wife will be separated!

Because it was the gamblers who borrowed money from Du Ruhui, as a result, overnight, Datang completely banned gambling, and those who opened gambling houses were killed! Those who work in the gambling house, even if they serve tea and pour water, are full of troops!

This also made Li Shimin see the harm caused by gambling, so many people were separated by their wives who were killed by gambling, and their families were ruined, everyone wanted to get something for nothing, and they didn't think about production or labor! Can it go on like this?

That's why Li Shimin was so angry that day! Because Qin Shou is his son of Li Shimin, he will have to take on the responsibility of the country in the future, if he doesn't let Qin Shou know these things strictly, it will be good at the top and effective at the bottom!

For the sake of money, will his Tang Dynasty still sell officials and poison lords like Emperor Ling of Han in the future!!

"Oh, I see, why you were like this that day, it turned out that I saw your friend's way, so you ...... I understand, I understand, don't take it to heart, but this one of mine is different from his one. Qin Shou said.

He had to do this for the sake of the Tang Dynasty that day, but he couldn't explain it to his son yet.

After sighing in his heart, Li Er said: "Okay, don't talk about this now, you can tell you what's going on first."

"Yes, baby, tell me." Du Ruhui also said.

"Our money bank can actually be called a money bank, which is different from those money banks, our money bank is different from the money bank, not only do we not charge the custody fee of the people who come to save the money, but we also have to give the people who save the money interest, that is, if the money is deposited with us, we will give them more money."

"If you have to give more money, isn't this a loss-making business? Now that the court is too busy to take care of itself, where is there spare money to give to others. Li Shimin was the first to say, I don't want it, I don't want it, I don't have money, and I came to refuse the triple road.

Du Ruhui's eyes also kept looking at Qin Shou suspiciously, could it be that this young man was forced to be anxious by his father's money?

"Uncle, this is the difference between you and the eldest grandson Wuji, why are you just a businessman, but the eldest grandson Wuji is a secretary of the ministry or the emperor's brother-in-law, all because you are just a frog at the bottom of the well!"

Qin Shou began to criticize Li Shimin unceremoniously: "Don't just look at what you give now, look at what you will get in the future, what you can get, and take a long-term view, uncle, do you know?" ”

Let his son say that he is short-sighted, Li Shimin was a little angry, looked at Du Ruhui and wanted to see if he knew what this stupid kid said, and help me translate it.

Du Ruhui also looked like I don't know, I don't know, how do I understand.

"Let me tell you this, for example, I have 100,000 yuan of money at home, but if my family needs to spend a maximum of 500 yuan a year, then can I only keep the rest of my money at home?"

"And I'm going to hire a bookkeeper and several people to manage the money, and I'm going to spend another buck?"

"If I can keep all this in the money bank, go to the expenses of the bookkeepers, and have someone to keep my money for me, and I can still have interest, why should I not keep my money in the money store?"

Li Shimin didn't understand what this meant, and Du Ruhui didn't understand what it meant!

Qin Shou was anxious and said: "Don't you know, no matter how much money you have at home, but what you need for daily life, that is, a small part, everyone's money will be kept in the money store at that time, and it will not be easily moved, in this way, within a certain period of time, the money in the money bank can be moved by the shopkeeper of the money bank at will." ”

When Qin Shou said this, Li Shimin and Du Ruhui understood, but Li Shimin also had new worries, and asked: "If the money bank uses this money, what if the person who just happened to deposit money needs to use this money?" ”

"For example, someone else deposited 10,000 yuan in your money bank, and then they happened to have an urgent need, but you just spent this money, how can this be good?"

"Then you find someone to save money, find more people to save money, try to let everyone save money in, the more people who save money in, the more there will be no problem, after all, you have to know that there are always some people who will only know how to save money for a lifetime and will not withdraw money." Qin Shou said.

Then, Qin Shou said: "There is still an emperor who can do this business, because the imperial court has taxes as the biggest support, and can do all the guarantees, even if it is misappropriated, it can be quickly made up, and there will be no shortage of money to a certain extent." ”

As soon as they heard this, Li Shimin and Du Ruhui's eyes were shining, and their eyes were like that of a hungry wolf seeing meat, and they couldn't wait to go up immediately and have a beautiful meal.

The power of this method is that as the emperor, he can concentrate the excess money in the hands of all the people in the country, and the court can take the money.

In this way, if the court wants to do something, it can also do it, and there is no need to drag it out and put it on hold because of the problem of money.