As soon as he said this, Fusu was amazed in his heart. Why were Ran Fang's thoughts so sudden today?
It's even contrary to the previous thoughts. If you jump back and forth like this, I'm afraid it will harm me and Da Qin, right?
If the imperial court really proposes to raise food from the people of the world, then even if some people are unwilling, for the sake of His Majesty, they may not dare to say no easily, right?
In this case, doesn't it mean that the court will use means to let the people take out the food at home?
What is the difference between that and the previous tax?
Even more excessive than taxes!
Although he felt some disapproval in his heart, when he saw Ran Fang, his tone softened unconsciously.
"Sir, is there something wrong with this matter?"
"Now that the people have just become rich, we have to take out food from their hands. I'm afraid the people won't agree to this matter, right?"
"What should we do if it arouses rebelliousness among the people?"
"Besides, it was Mr. who proposed the cancellation of corvee before, and if he acts like this now, I'm afraid it will make the people think that the court is going back on its word, and will it reduce the strength of the court's words?"
Ying Zheng said nothing, with 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 understood it wrong again. How could Ran Fang do such a thing?
He looked at Fusu, then at Ying Zheng who was sitting on the high platform, and explained, "Master Fusu said something wrong."
"What I said was not to force the people to take out the food at home, but to ask them to take out the food willingly."
"Or to put it another way, it is to use money to borrow food from the people."
"Borrow?" Fusu exclaimed, even more puzzled, "And borrow money from the people?"
"Let's not talk about whether the imperial court's treasury is sufficient. Let's talk about the imperial court and the people borrowing food. Are they worried that the imperial court will not pay it back? How can anyone be willing to take it out?"
Ran Fang replied: "Of course they won't be willing, so we have to 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 sufficient.
He couldn't help but exclaimed: "Benefits?!"
Ying Zheng, who was sitting in a high position, now had a new understanding of Fusu's existence.
As long as Fusu is here, he doesn't need to ask these questions, and he seems a little smarter.
Seeing that they didn't understand, Ran Fang finally concluded: "Yes, just give benefits."
"So, we need to establish a bank in Daqin."
Such a novel concept shocked Ying Zheng. What novel idea was proposed by Ran Fang?
This time, before Fusu could speak, he asked: "Food bank?"
"People with little food can understand, what is the meaning of this bank?"
"What is this bank for?"
Ran Fang smiled and said: "Banks are places where people come to save money. If necessary, 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 will naturally have to charge additional interest."
"And this food bank allows people to deposit food in the food bank."
"Other rules are the same as banks."
"At that time, we can set up a bank and a grain bank in the city, one for storing money, and the other for storing grain."
After their explanation, both of them understood the meaning of Ran Fang's words.
But Fusu still had something puzzling. He looked at Ran Fang and asked, "I understand the truth, but why do people save money?"
"And how should the interest mentioned by sir be calculated?"
"If this continues, won't the imperial treasury be empty soon?"
Ran Fang felt that Fusu was only half-listening to what he said.
As I said just now, if you save money and give money, then borrowing money will naturally cost money.
"People who save money will have it, and people who borrow money will naturally have it."
“There are many people with money, and there are many people without money.”
"Many small businesses in the city have been liberalized now. If they want to do business and make money, they will naturally borrow money."
"Just like the last auction, those nobles who want to expand their business need to borrow money."
"If there was a place specifically for borrowing money, how could they let it go?"
"Because borrowing money will allow them to expand their business, they will naturally make more money. When we lend money to them, we will also charge a certain amount of interest. The difference in price is the bank's income."
Now, both Fusu and Ying Zheng understood what Ran Fang meant.
As the emperor, Ying Zheng could naturally see the profits behind the bank, but at the same time he was also a little worried.
"I understand that the money they borrowed was money deposited by others."
"But there is a problem. If everyone goes to do business and borrow money, then the bank won't be able to afford it, right?"
Greed is human nature.
Who would pass up the opportunity to borrow money to do business?
If all those people come to borrow money, the bank may be closed before it even opens.
It can only be said that Ying Zheng has a thorough understanding of human nature, but he does not understand the human heart well enough.
Ran Fang said: "Your Majesty's words are reasonable, but now the people have just lived a subsistence life, and not so many people dare to use their money to do business."
"It can be seen from what happened in the small shopping mall this time, and doing business is not that simple. Some people can make a lot of money with the same things, but some people can lose all their money. .”
"They naturally understand these things, so those who dare to do business must have brains and a certain amount of capital. Otherwise, they are not so stupid if they invest all the money they have accumulated into the business before the business starts."
"Furthermore, people who want to borrow money also need to be investigated. You can't just lend money to just anyone. It still depends on their own strength. If you lend money to a rogue, isn't it like giving money to others? ?"
Ying Zheng couldn't help but nodded, and felt relieved after hearing what Ran Fang said.
He was really worried that when the time came, everyone would come to borrow money, and even if he took out all the treasury, it wouldn't be enough.
"In this case, it is feasible."
“So what do food banks do?”
“If someone saves food, who will borrow it?”
Food is different from money. Food is a consumable. Why do people who have food at home need to borrow food?
If someone comes to borrow food, it means that his life is very difficult, and the borrowed food will never be returned.
This is an unsolvable problem.
Ran Fang said softly: "Your Majesty, the food bank only accepts but does not lend."
"Moreover, when the food bank is started, His Majesty must also propose a concept, which is to store food to benefit the people."
