The first rebel of the Tang Dynasty

Chapter 521 Banks and currencies are extremely hot

Li Yin's words shocked everyone present.

That was a revolutionary change.

In the future, you can carry huge sums of money with you.Don't worry about too much money.

Especially people who go out to run errands.

Wu Jue said: "If this is the case, the scope for businessmen to go out and do business will be wider! As long as they have these banknotes! And the existence of our Shengtang Group, there will be no business they can't do."

Su Mei said: "If this is the case, they don't have to be afraid that the money will be reduced artificially."

Sometimes the silver becomes lighter because someone intervenes to withhold the silver metal and mint new money.This is something that costs nothing.It is different if it is paper currency, one is one, one hundred is one hundred, and it will not depreciate because the paper becomes smaller.

Ji Ruxue said: "One more thing, don't worry about being robbed. No one knows how much money you have on you. It's not like before. It's very inconvenient to transport a carload of money, and it's also easy to let go. People are watching."

"Also, the liquidity is stronger, and we can increase investment!"

Kong Jingting said.

This is what everyone can think of, and it is also the shortcoming of metal currency that people criticize.

Li Min nodded.

"You are right, that is the case. In the future, paper money may directly replace metal currency!"

He said.

As soon as these words came out, the four women were puzzled.

After all, this has exceeded their cognition.

In their opinion, metal currency cannot be completely replaced because it is valuable in itself.

The banknotes seem to have no other value except to look better.

But Li Yin believes that these values ​​are endowed by people.

The paper money of the future will not be the same.

But future banknotes will depreciate, which is inevitable.

Metals are like gold, but they can preserve value and avoid risks.

All this will be controlled by the market.

For now, he wants to make a change first.

"Zi Li, wait, can you let me see?"

Ji Ruxue asked.

"Look at it!"

He handed the paper to the four women.

They looked carefully.

Su Mei first saw the words on the banknotes.

"Shengtang Bank? What is a bank? Is it a business related to silver?"

This explanation seems to make some sense.

But it really doesn't mean that.

"It is the business of operating deposits, lending, exchange, savings and other businesses and issuing currency!"

In fact, Shengtang Group itself does not have the right to issue, but if it is only used as self-circulation and has circulation with relevant businessmen who do business with itself, then he can issue it.

After all, it does not circulate among the people of the entire Tang Dynasty.It is not an official currency, but in essence, it is a certificate.

There will be many commercial banks in the future, and they will also be privately owned.

No state management.

But he didn't want to make it so complicated, simple is good.

"I see!"

The four girls watched for a long time.

"Zhu Shan, tomorrow's newspaper will directly put my article that day, and increase the printing volume! Also, banknotes have also begun to be printed in large quantities! Each piece must have a unique code! And the quality must be controlled. !"

Regarding the printing of banknotes, Li Yin will not release some core things.

Such as paper, ink and printing process.

"Yes!"

"Also, all places that can be advertised must be involved!"

"understand!"

"By the way, you have to ask people to build a wall outside the group to analyze and explain the anti-counterfeiting of banknotes! And this knowledge should also be reflected in the newspaper. You can't let criminals participate in it. To ensure nothing goes wrong!"

Zhu Shan agreed.

Still waiting there, for fear that Li Yin still has something to do.

"Okay, it's okay, you go!"

Zhu Shan then left and went to deal with it.

"Su Mei, Wu Jue, you are in charge of promoting bank-related work."

"understand!"

"what about me?"

Ji Ruxue asked.

"You deal with the family's factory, and the bank will be handled by them."

"OK then!"

"what about me?"

And Kong Jingting also asked.

"You should study hard with Sun Zhenren. In the future, you will also be the top leader in medical school, and you will flourish together with Sun Zhenren!"

According to Li Yin's understanding, this woman's talent is not inferior to that of Sun Simiao.

For the comprehension of medicine, I have my own views.

Especially in terms of understanding of future medicine, there are still some that surpass Sun Simiao.

Maybe it's because I'm young and accept more things.

"understood."

Next, Li Yin will grow up.

He didn't tell others what his purpose for doing this was.

In the future, the World Bank will be a very profitable business.

Also because of his actions, the pattern of Datang will be changed.

At the same time, he will also expand the industry and help more people earn more money.

……

Soon the entire page of the Zhenguan Daily was published.

And it caused a huge repercussion among the people.

Only on the first day after the newspaper came out, the entrance of Shengtang Group was full again.

A large number of officials, businessmen, and common people blocked the door, carrying carts and carts of money on their backs, wanting to exchange them in the Shengtang Group.

There are even more people who came to Chang'an from outside.

Regarding this point, Li Yin was also a little surprised.

Did not expect such a response.

It can be seen from the side that people have been inconvenienced by metal currency for many years, and finally someone went out to solve these problems.

The entire Shengtang Group was crowded with people.

As a result, other industries of the group have been paralyzed.

Moreover, there are more and more of these people, and they come here to exchange banknotes regardless of the obstacles of the strong wind and snow.

They almost occupied the entire East City, and the business of the inns around them became ten times better than before.

People kept talking about banks and banknotes.

"What the Shengtang Group has done this time is really big. In the future, we will have banknotes, which will be more efficient!"

"This is a good thing for us who have been doing business with Shengtang Group all year round."

"It's not limited to you. It's not bad that we don't do business with them. We can exchange them first, and then trade the money. If they want silver, they can directly exchange it at Shengtang Bank. The convenience is simply leveraged."

"In the future, no matter how much money you bring, you won't be afraid to walk around at night! It's not just a piece of paper!?"

"Yes, yes, as long as Shengtang Group does not fail, our money will always be there."

"How could Shengtang Group collapse? His building is still here, and one of his buildings can support tens of millions of taels, right? There are still a lot of industries."

"More than that, it can also prevent some silver from being adulterated."

……

These people speak well of Shengtang Bank.

Their cars are full of silver, and the whole street is full of silver.

There are also many people who just hold their number plates and line up, but they don't bring any money.

Then someone asked: "Aren't you here to exchange paper money?"

"No, I want to expand my business. I want to mortgage my assets to see if I can get a loan to expand production!"

"I heard that the interest on the loan is quite a lot, 100 taels, 20 taels of interest a year."

"It's not too high. If you can't make double the money in a year, then the loan will be meaningless!"

"Right!"

They were discussing, but it caused some troubles to Li Yin.

Above the tenement building.

Li Yin looked at the people below, full of them.

Ji Ruxue came over.

"Unexpectedly, Shengtang Bank became so popular as soon as it opened."

Wu Jue said: "That's not true, people have been inconvenienced by the previous currency for too long!"

Su Mei said, "It must be because our advertisements are well done. Zili and others gave up a large portion of the profits from the advertisements to promote this bank. Is it okay?"

Li Yin said nothing, just looked at everything below.

At this time, Ji Ruxue asked a very crucial question.

"Zi Li, wait a minute, if there are more people borrowing than deposits, will Sheng Tang Group be able to persevere?"

"Money can be printed at will. As long as they don't exchange it for silver, I can print more money, but this is overdrafting future credit! At the same time, if our financial resources reach a certain level, we can shrink lending. Furthermore, Let me tell you, it is impossible for the bank to lose money. The interest for one year alone is a terrible figure. If we continue to do this, in a few years, our bank's assets will exceed that of the imperial court."

"Then why do we need so much money? We have enough money now?"

Wu Jue was puzzled, that's why he had this problem.

Li Yin only said two words.

"Research!"

"Research?"

The three asked at the same time.

"Yes, I also want to increase investment in research, medicine, science and technology, literature and other aspects. These all need money. In the future, we will grow bigger and bigger. The money earned by a Shengtang Group alone is Not enough research. And the benefits that research can bring, have you all felt it?"

The three girls nodded.

Yes, the convenience brought by Li Yin's research results has indeed improved the sense of well-being of society a lot.

Investment in medicine can prolong human life and create higher value.

"Understood, everything that Zili and others have done is for the common people of the world!"

Su Mei said so.

Li Yin was very pleased to hear that.

That's right, it's for the common people in the world, and it's also for myself.

"Ru Xue, go down and open a few more counters, and open a few more counters at Cheng Chumo's place!"

"understand!"

Ji Ruxue went down to deal with it.

At the same time, in the royal family, Changsun Wuji sat on the throne.

Wang Yang's death was faked by him as an accident.

And he became the head of the Wang family as a matter of course, but surprisingly, no one objected.

Because those who opposed were dead.

Standing below him are some people from the Chang'an Chamber of Commerce.

At this time, there are not many people in the Chang'an Chamber of Commerce.

Li Erhu was also among them.

"What the hell is that Zili doing?"

Changsun Wuji asked.

Li Erhu came out and said, "I heard it's about banks and currency. Now that the city is full of storms, I really don't know, what is this kid going to do with this?"

He obviously didn't know what Li Yin's purpose was in doing this.

But Changsun Wuji knew it.

"He wants the money of the entire Tang Dynasty, this kid's ideals are so big!"

"What? How is that possible? How much can a bank do?"

"It's not that the bank is big, it's that this kid has a good brain! Especially the implementation of banknotes, he really dares to think about it!"

"Then are we like him?"

Li Erhu asked.

"Do you have his notes?"

"Yes, I have someone exchange it for one, take a look!"

Changsun Wuji took the banknotes.

Can't help but find admiration.

"Amazing craftsmanship, such a thing can be made, this kid is very strong!"

Changsun Wuji said.

It made everyone very puzzled.

Changsun Wuji and Li Yin are rivals and enemies, how could he praise Li Yin?

Then he changed the subject.

"Go, let someone study the printing method of this banknote. If possible, we can print a large number of them, and then go to him to exchange them. I'll see what he will do!"

"Patriarch of the eldest grandson, you really are tall!"

Everyone said in unison, Changsun Wuji laughed.

"In the future, follow me, you will get better and better, I am not Wang Yang, I dare not do anything!"

"Yes, Patriarch of the eldest grandson!"

"By the way, is there any result in the research on fireworks?"

Changsun Wuji asked again.

Some time ago, he left the research on fireworks to Li Erhu.

"We probably figured out the ingredients in it, but although it can be set off, it can't be like his!"

"It's okay, try more and study more, you will succeed!"

Changsun Wuji said.

Then he said: "He must have never expected that I will succeed in my research! When the time comes, hum! You will die!"

……

In the Imperial Study Room of Tai Chi Palace

Li Shimin frowned.

Below is the previous guard.

"What did you say? The artifact can't be found?"

"Yes, Your Majesty, we have spent a lot of effort, but we were unable to find out the origin of the artifact, and because of what happened that day, the appearance of the sixth prince in front of the public has become very rare!"

"This one……"

Li Shimin was puzzled.

So what should we do?
"Your Majesty, can you let the son-in-law go to Shengtang Group to have a look?"

"You reminded me! Maybe I can ask Xue Rengui to take a look! Maybe there is an answer."

Li Shimin said so.

But it was interrupted by Empress Changsun who came in from outside.

"No! Your Majesty, don't let Xue Rengui go back!"

Li Shimin was puzzled, he saw that Empress Changsun was holding a newspaper.

"What does the queen think?"

"Xue Rengui is a son-in-law, so he can't go out as often as before, otherwise, people will see it, and I'm afraid it will have a bad effect. Another point, although Xue Rengui promised to marry Lizhi, he still yearns for Min'er. If Your Majesty wants If you tie him down, you should give him a chance to shine, instead of letting him go to the Shengtang Group. That is equivalent to giving him a problem. Although you have benefited, it will make him hate you."

"Thanks to the queen reminding me in time, otherwise I really did something stupid."

"By the way, the concubine just read the Zhenguan newspaper, and it seems that Min'er is about to start a new action again!"

Empress Changsun handed over a newspaper.

"New move? What did that kid do again?"

More than once, Li Yin made a big move.

The world was shocked.

This time, the newspapers reported it, and Empress Changsun also said it, it must be a big deal again.

"Your Majesty doesn't know?"

Queen Changsun asked.

"I haven't read the newspaper today! What's written in it?"

I don't know when Li Shimin got into the habit of reading newspapers. If he didn't read newspapers for a day, he would feel bored. If it wasn't for getting a pistol from Li Yin today, he might have read it a long time ago.

"It says Shengtang Bank and banknotes..."

"Oh? Let me see, what is a bank?"

Li Shimin took the newspaper and read it.

Seeing this, he didn't intend to stop, and murmured, "This is impossible, this is impossible!"

"Your Majesty, banknotes seem to be a good solution. It's really rare that I can think of it. And the bank, it turns out that there is such a meaning, it turns out that there is such a meaning, why didn't we think about it before?" How about it? He can even help the common people, help some people who want to do business, and help them tide over the difficulties!"

And they also discovered that the banknotes written in newspapers are irreplaceable and cannot be imitated.

It is unique.

"Queen, I don't think it's that simple."

Li Shimin said suddenly.

"I don't understand myself!"

Empress Changsun said.

"Look, the bank and banknotes are all made by the Shengtang Group, and they are also responsible for saving money and lending money. In this way, that kid is doing business without capital! He can gather a lot of money without paying anything. Although money can help some people in need, it also earns interest. Although interest is given to savers, their interest is not as good as the interest on housing loans. This business can be regarded as a steady profit!"

Li Shimin saw the essence of the matter clearly.

This is what Li Yin did.

He just wants to do it.

Most people can't see it, but Li Shimin can see it clearly.

No wonder, his height is not the same.

"Your Majesty, what you said seems to be the case, I didn't think of it!"

"What do you want to do, kid?"

"Maybe he just wants to do business to make money!"

Empress Changsun said so.

"Hmph, it's better like this, but I think it's impossible for him to succeed like this! People are not stupid, why would they take money to Shengtang Group instead of storing it at home?"

Li Shimin obviously did not believe that Li Yin would succeed.

Hence these words.

"Your Majesty, I think it's hard to tell!"

"Impossible to succeed, impossible to succeed! How can it be difficult to say! I conclude that his Shengtang Bank cannot be opened. It will open on the first day today, and no one must go there!"

He concluded so.

But after saying this, a eunuch trotted over directly.

"Your Majesty, the East Market is suddenly full, and there is a sudden disturbance. Now General Cheng has led people to maintain order!"

"Huh? What's going on?"

Li Shimin asked.

Empress Changsun said: "Chang'an has always had good law and order. How could there be turmoil? And why is it Dongshi? Who are they?"

"His Royal Highness, most of them are businessmen."

"Businessman? What is the purpose?"

Li Shimin seemed to realize something was wrong.

merchant?

Then it's time to go to Shengtang Bank!
In this way, they were looking for Li Yin.

In this way, I am not allowed to speak.

He was slapped in the face by Li Yin.

While he hesitated, another eunuch came to report.

"Report to Your Majesty! The West Market is also full! Dai Guogong leads troops to maintain order!"

"Huh? What's going on, come on, come on! What's going on!"

Li Shimin was shocked.

What exactly is going on?

Even Li Jing went out with his troops.

Then, his guard trotted in.

Report: "Your Majesty, there are a large number of businessmen rushing to the Shengtang Group, and they carry a large amount of silver, and some of them are diverted to the West Market to exchange banknotes! In addition, some people directly use their own real estate Make a loan!"

The guard's words completely slapped Li Shimin in the face.

"This……"

He looked at the eldest grandson empress.

If it had been anyone else, he would have been ashamed.

But in front of Empress Changsun, it will be better, but it is still not good.

"Your Majesty, Min'er seems to have succeeded."

"Report!"

"So what?"

"A large number of foreigners appeared outside the Shengtang Group, carrying cattle and sheep, ready to trade with the Shengtang Group and exchange banknotes!"

"what!?"

This time, Li Shimin's face was severely beaten.

Even foreigners have come to cooperate with Shengtang Group.

Getting their banknotes is a kind of affirmation to the other party.

"Your Majesty, he really succeeded. If things go on like this, even a big family is no match for him!"

Empress Changsun said so.

"Yes, this kid did a great job this time!"

"I thought that the appearance of the bank would deal the biggest blow to the family."

"Yes! Nothing wrong, that's it!"

"Then...can you let Min'er come back?"

Empress Changsun asked one more question.

"I also want him to come back, but what about him? It seems that he has no heart at all! Let me bow his head?"

Li Shimin asked back.

"Then... this...let me persuade you again?"

Li Shimin was right, that's how it is, now Li Yin doesn't want to come back.

Li Shimin has released a trace of sincerity, but he doesn't want to bow his head.

This is difficult.

At this time, Li Shimin had a different idea.

He was planning something different in his mind.

"Persuasion? This is good!"

"Your Majesty thinks it's okay?"

"No, no, no, it's not to persuade him to come back. I want to invest in Shengtang Bank. I want to promote the bank and banknotes! Let people in the world use banknotes. As he said in the newspaper, this is called increasing circulation."

Li Shimin is very smart and wants to use Li Min's power to complete his career.

And will Li Yin agree?

It depends on Li Yin's intention.

"Your Majesty, if the court comes by itself, wouldn't it be better?"

Empress Changsun suggested.

"I've thought about this too. Actually, there are two bad ideas."

"Oh? Which two aspects?"

"First, the bank was proposed by that kid. He knows how to operate the market better. If I make a certain decision, it is equivalent to crossing the river by feeling the stones. And if I choose to cooperate with him, I can use the power of the Shengtang Group to promote the development in one fell swoop. Come on! Second, regarding printing, the anti-counterfeiting technology of banknotes is so high that if the imperial court comes, it will not be possible. If some counterfeit banknotes appear on the market, it will not be a good thing for the imperial court or the common people !"

"That is to let the concubine go there?"

"That's right, it's best to let Concubine Yang go with me!"

Li Shimin once again had a crooked mind.

"When will we go then?"

"Look again, five days later, if his bank is still hot, you go directly! Remember, this time must be successful, it can make Datang stronger! It can also curb the development of the family from the side."

Li Shimin said earnestly.

"Yes! That concubine understands!"

(End of this chapter)