Chapter 420 Bank

Style: Historical Author: The best is like no waterWords: 3361Update Time: 24/01/12 06:43:30
Li Er prides himself on being an all-rounder and has high attainments in music.

Of course I have heard of Tao Xun. Although it was almost lost in later generations, it was one of the commonly used musical instruments in the Tang Dynasty.

Although Li Er prefers cheerful Qiuci music, good music is common and everyone likes good music.

Li Yunze's pop music is not pop music, you love me, I love you, you love him pop music, nor is it hip hop or anything like that.

In the era of thousands of years ago, it was impossible for pop music to arouse any resonance, and it was even less possible for a song to win the hearts of beauties and win the admiration of everyone.

Let alone the rhythm, I can’t even understand the words.

Only pure music that truly belongs to music itself can have a basis for common appreciation.

All the nobles gathered around him, and all kinds of admiration sounds could be heard.

There is naturally some suspicion of flattery among them.

But he does have abilities, and there is no doubt that he has great abilities in music.

In this era where educational resources are monopolized and it is very difficult for the emperor to hire anyone to be a teacher, Li Yunze, who possesses many unique skills, is absolutely popular.

"This song caused ripples in my heart, as if it awakened the deepest echo in my heart." Li Er covered his heart and patted it. "I don't know how to describe this feeling. I always feel suffocated."

Hearing this, Li Yunze smiled indifferently, "I've never seen the ancients before, and I've never seen the newcomers since. Thinking about the long history of heaven and earth, I shed tears with sadness!"

"Okay! Okay!" The fat man Changsun Wuji was the first to react. He clapped his hands vigorously, "It really fits the mood of listening to this song. It's great!"

Everyone also praised him one after another. The element of flattering the horse was instantly reduced a lot, and his poems were indeed very brilliant.

Li Er, who was still unfinished, asked, "Can this music be passed down to the palace musicians?"

"Anyone can." Li Yunze said loudly, "Anyone can use these cultural things. As long as it can spread our Chinese culture, you can use it whatever you want."

Xun is undoubtedly one of the carriers of Chinese culture.

Even in the Tang Dynasty, it had been passed down for six thousand years.

Words, language, music, etc. are all cultural inheritance. It is precisely because of these inheritances that China can stand up again and again.



Without cultural identity, cohesion will be lost.

Li Er has known Li Yunze for so long, and this is the first time he has seen him helping so happily without asking for anything in return. He even couldn't believe it for a moment.

However, he quickly realized that such a good opportunity should not be missed. "Great kindness! If you have time, can you compose a few great songs for the palace?"

"no problem."

Li Yunze, who had the air of a master, waved calmly, "Your Majesty's new palace is called Daming Palace. To celebrate this event, I have already composed an original song "Memory of Daming Palace". When Daming Palace is completed, Your Majesty can invite envoys from various countries and tribes The leader, the noble family held a grand ceremony

celebration. When this song comes out, the world will be shocked. "

"Although I haven't heard this song yet." Changsun Wuji, who was standing next to him, stroked his beard and smiled, "But I am already fascinated by it."

This is the reputation Li Yunze has accumulated before. In addition, he just played a self-composed Tao Xun song that resonated. It is natural that he will be sought after and recognized.

If there is nothing, if you travel through time and open your mouth to say this, this, that, and that, who will pay attention to it?

After talking about music for a while, Li Yunze, who was satisfied, asked Sister Wu Meiniang to arrange tea seats and hold a tea party in the backyard.

Yuchi Baolin led a group of farmers and came over carrying several cushions.

Wu Meiniang brought tea and snacks with a group of girls sent by farmers to work.

The arrangement of the seats, the arrangement of the refreshments, and the order of seating were all arranged by Wu Meiniang.

Everyone saw that a little girl behaved freely in front of many noble people, and the arrangements were so appropriate, they all praised Li Yunze as a good teacher.

Wu Meiniang secretly rolled her eyes. These things were not taught by Professor Li Yunze, but were taught by her mother after she officially took charge of Lijiazhuang.

"Your yard."

Li Er, who stood with his hands behind his back, looked around and nodded with satisfaction, "It's really good."

Of course it was good. Li Yunze's yard was renovated according to the Jiangnan garden model. The rockery and flowing water were full of charm, the flowers, plants and trees were scattered in an orderly manner, and the occasional chirping of insects and birds made everyone marvel.

"If Your Majesty likes it, you can find a place in the Daming Palace for repairs."

As soon as these words came out, Li Er was overjoyed at first, and then hurriedly explained, "Very good, but they are all used by my father to support him in his old age."

Everyone's expressions remained unchanged, as if they had not heard anything.

Only Wei Zheng rolled his eyes, but he also held back his complaints.

The most important thing now is to settle the matter of getting money. The emperor's little thought can be left to be criticized later.

"It's about the bank." After sitting down, he sipped tea and ate some snacks. Li Er got straight to the point very simply, "Just tell me what your plans are."

Li Yunze nodded and looked at Du Ruhui first. "Du Gong, what I said before is wrong. I overestimated the economic vitality of the Tang Dynasty and underestimated the difficulty of transferring money due to transportation difficulties. You cannot save money in a bank. Give interest, but you have to collect it

Storage fee. "

At first, he thought he could apply the banking model of the modern world.

After thinking about it carefully, I realized that was not the case at all.

Banks can maintain income above interest through loans, but who can Datang lend to?

If it all depends on the court, if there is any problem, it will immediately collapse.

Therefore, not only cannot interest be paid, but storage fees must also be charged.

The main reason is that money is difficult to operate in this era.

At this time, the main currencies of the Tang Dynasty were copper coins and cloth. These items were not only large in size but also light in weight.

In the case of long-distance transportation, the risk of loss or robbery and theft is very high.

On the contrary, the custody fee charged by banks, which is a convenient way to withdraw funds anywhere, is very reasonable.

"Of course, the storage fees must also be treated differently." Li Yunze continued to explain, "If a single person deposits less than ten yuan of money, he can be given one cent of interest every year. In other words, if he saves one yuan of money, he can get ten cents of profit a year. This is mainly is to attract the majority of the population

Common people deposit the remaining money in their hands in banks. If you don't give benefits, I'm afraid people won't save. "

At this time, Yu Shinan said, "You can order local government offices to urge people to deposit their remaining money in banks without giving inducements."

After hearing this, many people frowned.

Li Yunze looked directly over and said, "What you said will make the people of the Tang Dynasty rise up and send you all to the underworld!"

These words were so serious that Yu Shinan's face turned red with anger and felt uncomfortable.

Over there, Fang Xuanling hurriedly explained to him, "There are many things wrong with what government officials do. If they take advantage of the opportunity to plunder, the people will lose their wealth. They will either starve to death or..."

Li Erleng snorted and scolded, "This matter doesn't make sense to you, so don't talk too much."

The embarrassed Yu Shinan sat down and raised his sleeves to cover his face.

"The rules of the bank are to deposit at least one thousand guan." Li Yunze continued to explain, "If you save less than one hundred guan, and more than 10 guan, no interest will be given, and no storage fees will be charged. Those who can save these are mostly wealthy households in the countryside and middle-class people in the city. .For them, putting it in a bank is comparable to

It’s much safer to hide it at home, so you don’t have to worry about being lost or stolen. "

"As for those with more than one hundred guan, they will be charged a storage fee of ten cents per guan per year. Those who can save so much are really wealthy families and big businessmen. The convenience brought to them by the bank far exceeds these custodial fees. "

Tang Jian over there couldn't help but shouted, "You said so much, why do you guys deposit money in the bank? If I don't deposit, what can you do?"

Li Yunze smiled slightly and turned to look at Li Er, "I have to count on Your Majesty."

"Me?" Li Er was stunned for a moment, and then asked, "What should I do so that people in the world can willingly deposit their wealth in banks for the use of the court?"

"Common people save money for profit. The middle class save money for safety. Really wealthy families can use all kinds of temptations to save money."

Li Er asked, "Why not?"

"That is to say, when His Majesty ransacks the house, the money stored in the bank will not be included in the scope of the house raid."

As soon as this statement came out, there was an uproar.

For civil and military nobles, what they fear most is having their homes confiscated.

Once your home is confiscated, all your savings over the years will be wiped out. Even if there is something hidden, it cannot be seen in the light.

If, as Li Yunze said, the house was confiscated, then wealthy families must be actively saving money.

If you can ensure the safety of family property, the custody fees paid are nothing.

Li Er, who was lost in thought, was silent for a long time, and after a moment he said, "Go on."

"If this matter is completed, I estimate that there will be at least tens of millions of dollars in savings." Seeing everyone's happy faces, Li Yunze smiled and waved his hands, "This is not the imperial court's, this is the wealth of the people all over the world. If your Majesty, the imperial court wants If you take it as your own, then wait for the whole world to rise up

Let's get up. "

Changsun Wuji spread his hands and said, "It can only be seen but not used, so why waste so many things?"

"Of course you can use it, but it can only be borrowed." Li Yunze continued to explain, "His Majesty's court borrows money from the people all over the world. It has to pay interest and the interest is high, and it uses the income of the court as a guarantee. This is called concentrating the power of the world. Big things can be short-term

Raise a lot of money in a short period of time to get important things done. Otherwise, just accumulate slowly and little by little. "

Discussions arose, and everyone was discussing it.

There are those who agree and those who are against it, some who say it is good and some who say it is unfavorable.

The debate was very heated, but the voices of opposition far outweighed the voices of approval.

Li Er simply walked over, sat cross-legged next to Li Yunze, and asked in a low voice, "In addition to lending money to the court, can this bank also lend money to the people?"

Hearing this, Li Yunze raised his eyebrows, "Your Majesty is indeed a wise king. He has indeed seen this. Once ordinary people are in debt, their families will be destroyed. They will either sell themselves into slavery or rise up. The real beneficiaries are the local tycoons." With family members

. "

"Your Majesty himself is the founder of the Li family in Longyou, so he naturally knows that the powerful and aristocratic families are the real main force in the rebellion."

Although the words sounded unpleasant, Li Er narrowed his eyes and looked around at the people who were fiercely opposed.

"I have fought in the world and know that what you say is right. Therefore, people can only borrow money from me. I will be the biggest creditor in the world!"