My servant in the Tang Dynasty is Li Shimin

Chapter 54 Your IQ can't even compare to Xiao Leer's!

"Borrow money from the world?"

Li Chengqian was taken aback again, still unable to keep up with Wang Yuan's brain circuit:

"Ten Dao in the world, Guannei, Henan, Hedong, Hebei, Shannan, Longyou, Huainan, Jiangnan, Jiannan and Lingnan."

"With such a vast territory, how can the imperial court borrow money from the world!?"

Hearing this, Wang Yuan smiled and shook his head: "Why is it impossible?"

"As long as the imperial court builds countless cabinets throughout the country, whenever merchants hand over money to the cabinets, the market will give them a certificate."

"With the voucher, no matter where they are, as long as there is a cabinet there, they can deposit and withdraw any money by showing the voucher."

"You must know that the people in the Central Plains have been prepared for any danger since ancient times. The money they have saved will not be used easily under normal circumstances."

"In this way, wouldn't the imperial court be able to use part of the money stored up by the people and the family to build the Beiting Protectorate?"

"At that time, the imperial court only needs to wait for the tax to arrive in the coming year, and then it can slowly make up for the gap."

"Isn't this borrowing money from the world?"

In fact, the method Wang Yuan just mentioned is the prototype of a bank.

Backed by the credibility of the Tang court, wealth can be gathered on a large scale, and some major events can be accomplished with the money of the whole country.

Of course, there is still a big gap between Wang Yuan's method and the modern banking system.

The most obvious difference is that for depositors, it basically has no interest.

Because the ancient currencies are all physical currencies, copper coins are copper coins, gold and silver are gold and silver, and the value of currency is itself.

As a result, they cannot be compared with modern banknotes at all. They cannot be printed at any time, and it is difficult to have room for interest payments.

Moreover, the transportation of physical currency is extremely difficult. Even with a certificate, it is difficult to get money in some remote places.

However, for the current Datang, it is enough.

After all, in ancient times, there was no such terrifying commercial circulation as in modern times.

Even though Datang is known as the country of all nations, Chang'an City is the only place that can truly be regarded as a super metropolis.

In fact, Wang Yuan had such an idea a long time ago. When he first time traveled, he still had a bit of ambition to be a time traveler, not the old Xianyu now.

It's a pity that this matter is more dangerous than selling refined salt. Most importantly, no one would believe such an "ordinary" rich second generation like him!

So this matter can only be handled by Li Er himself as the emperor.

"Master, I still don't understand what you mean."

At this time, Li Chengqian was still at a loss:
"Why is Master so sure that as soon as the imperial court builds a cabinet, everyone will put money in it?"

"We don't send money, why should they do it?"

"You must know that since ancient times, the people of the Central Plains have always paid attention to their wealth."

"Even if it is a famous family in Chang'an City, there will be a special place to store money, and they will also send servants to clean and manage it. There is absolutely no need for them to put money in the cabinet!"

There is nothing wrong with Li Chengqian's words. In ancient times, not only famous families, but basically every household would hide some money.

"Ha ha!"

Wang Yuan laughed again and shook his head helplessly:
"Xiao Li! Again, the way you think about problems is so simple."

"But you are still young after all, it's normal that you don't understand the key points."

Still young?

The corner of Li Chengqian's mouth twitched, he really wanted to say, you are not much older than me!

But this idea is only a flash in the pan, because at this time, he has already deeply understood a truth.

The gap between people is sometimes even bigger than the gap between humans and pigs.

"Come, Master, please drink tea!"

"I hope that the master will clear up the confusion for the disciple."

Li Chengqian respectfully poured a cup of tea. The tea in the palace is all scented tea. Although it is light, the fragrance is far away.

Wang Yuan took the teacup and said with a smile: "Xiao Li, since your family is a merchant, do you ever feel that it would be very inconvenient to put money together?"

Hearing this, Li Chengqian was even more confused: "It's inconvenient, but isn't everyone doing it this way?"

"So! Isn't that a loss?"

"No matter how well it is kept, some of the money will be lost in the end, and the amount is not small!"

Wang Yuan took a sip of the tea, and continued:
"Not to mention that every time you do business, you often have to transport several trucks of money. Traveling all the way to the north and south is not only extremely troublesome, but also prone to danger."

"If at this time, there is an official market that takes the initiative to keep money for you, and you can exchange money with a voucher."

"Fangshi can also guarantee that there will be no loss and no management fee. Do you think they will not put money in?"

Hearing this, Li Chengqian was shocked, and his eyes were full of shock.

Indeed, even if there is no benefit, as long as the market can guarantee that the money will not suffer any loss, there will be countless businessmen scrambling to deposit money in it!

As expected of a master, this kind of strategy can be conceived, it is too amazing!
Li Chengqian was completely shocked.

But soon, he seemed to think of something again, frowned and said:
"But in this way, wouldn't the court be at a loss?"

"Are you a dummy?"

Hearing this question, Wang Yuan became more and more helpless, and said angrily:

"It's already at this time, and you are still thinking about whether you are losing money or not. Can't you take a long-term view?"

"Don't focus on the crooked melons and jujubes of the storage fee. Even if it loses to the sky, how much money can it lose?"

"Can't you be more serious and think about it a little deeper?"

"This, Master, I still don't understand."

"No matter how small the loss is, it's still a loss!"

"In the final analysis, all the money in Fangshi is borrowed money, and sooner or later it will have to be repaid."

"If you want to pay it back in the future, what should you do?"

At the end, Li Chengqian was about to cry.

As the prince of the Tang Dynasty, he had never felt so stupid before.

Why does he understand every word the master said, but once it is connected together, he doesn't understand it?
"Hey!"

Wang Yuan rested his forehead and sighed, seeing his cheap apprentice's appearance of arrears in IQ, he really felt helpless:

"Xiao Li! I have to say, you are really lucky!"

"You can say such things, thanks to the fact that you are only the son of a merchant, even if you are stupid, you can inherit the family business."

"If you are that, the current crown prince Li Chengqian who is about the same age as you, I guess you don't even know how to die now!"

Li Chengqian: "."

"Am I that stupid?"

At this moment, Li Chengqian felt like he wanted to cry.

Master's words, to him, are simply killing people!

"nonsense!"

Wang Yuan curled his lips, and continued: "No wonder Lao Li wants to send you here, with your IQ, even Xiao Le'er can't match it!"

　Thank you Geography Kun, for the reward of reading Zongzi, thank you????
　　There are also monthly tickets for the other two big guys, thank you very much.

　　Beggar writer, thanks a few online

　　
　
(End of this chapter)