Li Shimin kept weighing things in his mind, frowning and asked:
"Isn't it okay to call it Datang Bank? Why do we add the words "Royal Central" on it?" After all, it is a tacky thing to do with money.
After all, the status of businessmen is lower than that of common people. Even if a businessman has money, he cannot avoid the smell of copper.
Even if businessmen were not so discriminated against in the Tang Dynasty, they were not much higher. Li Shimin didn't really want the royal family to get involved with money.
Xiao Yu opened his mouth and explained:
"Your Majesty, before I came here, I also consulted the Grand Governor. The reason why I added the four words "Royal Central" is to make the people of the world have confidence in the bank."
"Now that the Tang Dynasty is stable and His Majesty's name has spread all over the world, only if the people know that the bank is opened by His Majesty and the imperial court, will they feel free to take out gold, silver and copper coins to exchange for new currencies."
"With the words Royal Central, it is equivalent to the bank's credibility guaranteed by the court. This will also be a key link in the bank's storage and lending business in the future." After hearing this explanation, Li Shimin acquiesced and added the words Royal Central. , asked again:
"The Royal Central Bank of the Tang Dynasty is responsible for printing and issuing unified coins, so why does it need to engage in money lending and coin custody?" Li Shimin still didn't understand why Yang Fan wanted to re-establish a 'bank' to engage in these businesses.
After all, Datang actually had money banks. Although most of these banks are privately owned, banks that engage in lending business will definitely touch the interests of the original rich and powerful.
If it is not handled well, it may be counterattacked by the powerful people in the world. You must know that many powerful people set up banks just to obtain high interest rates.
Throughout the Tang Dynasty, no matter which state or county it was, there were banks that engaged in lending business, and there were also special lockers for depositing, pawning, and keeping money and items.
Now, Yang Fan asked a bank responsible for printing coins to do this, which seems to be a bit of a copy of the experience of these powerful people.
Not only Li Shimin, but also Li Daliang and others looked at Xiao Yu curiously. Seeing the confused looks in everyone's eyes, Xiao Yu felt that he could do it again.
When I asked Yang Fan for advice on this issue in Jiangnan, I was almost scolded by Yang Fan like a grandson.
Now Xiao Yu finally feels that he is superior to these people. He knew it was time to give the emperor and several big bosses of the Tang Dynasty a good financial lesson.
Although Shi stole it from Yang Fan, he also said it from his mouth! So Xiao Yu held his head high and said:
"Your Majesty, since the bank is responsible for the printing of coins and the exchange of equivalent currencies, it will involve the issue of currency circulation. The normal circulation of currency requires unified standards."
"For example, if people urgently need a loan, they will need to borrow money. However, if the bank does not have lending business, then the lending interest rates from one state to another will not be unified. This will easily cause complaints from the people, but unifying the interest rates will completely It’s different.”
"In addition, there are other benefits to conducting banking business. For example, if a merchant purchases goods from one state to another, the merchant does not have to carry a large amount of money as before. This is not only convenient, but also safe."
"Think about it, if banks were opened in various counties and towns in Datang, then merchants could deposit their money in one place and then directly go to a bank in another place to withdraw it with bills. Wouldn't it be very convenient? "Xiao Yu slowly explained the simple economics he heard from Yang Fan.
The people present could become some of the most awesome people in Datang, and no one was stupid. What they lack is just knowledge.
After Xiao Yu’s explanation, everyone can certainly imagine the benefits of banks. Once the banking business is truly launched, it will not only effectively promote the commercial development of Datang, but also facilitate people's lives.
Of course, without the support of the emperor, it would be difficult for banks to open all over the Tang Dynasty.
Although Li Shimin recognized the benefits of banks, it also touched the interests of many people, which made him a little embarrassed.
"According to what Song Guogong said, wouldn't the Royal Central Bank of the Tang Dynasty become a tool to compete for profits with the people? Once the bank carries out various businesses, how will other banks survive?" Li Daliang asked with a frown.
Li Damin's question was immediately echoed by Changsun Wuji and others. After all, many of the officials present had bank properties in their families.
Banks are the bulk of the income of major families. Once this industry disappears, they will have to tighten their belts to live a better life.
After living a comfortable life, poverty is not a pleasant life. Xiao Yulu did not argue with people like Li Daliang, but explained:
"Everyone has misunderstood. The bank was not established to run on banks everywhere. The Governor said that the Royal Central Bank of the Tang Dynasty exists in the form of a joint-stock system. If you want to open a bank, you can participate as long as you buy shares. Of course, bank personnel need Only after passing the unified training can you be qualified." In fact, Yang Fan asked Xiao Yu to convey these words.
No matter how frightened Yang Fan was, he would not be so frightened that he would become an enemy of all the upper-class people. What's more, these people are originally engaged in bank business. As long as they are trained, they can quickly open banks in every corner of the Tang Dynasty.
Only mutual benefit can bind everyone together and twist them into a rope. Yang Fan has the vision of future generations. Although he does not understand the operating model of the bank, he still has some understanding of some superficial things.
After all, these concepts were developed more than 1,000 years later and are definitely much more advanced than those at this time.
"Joint-stock system? Then who is the decision-maker? What should we do if there are differences? In addition, how can we join the legal system if we want to invest in shares? How much capital is needed?" When they heard that their bank would not go bankrupt because of the opening of the bank, of course everyone had no objections, but instead cared. handle the specific affairs of the bank.
Seeing this, Xiao Yu breathed a long sigh of relief and said with a smile:
"The Royal Central Bank of the Tang Dynasty initially issued 1,000 original shares, of which 300 shares were controlled by His Majesty and the imperial court, and the Governor-General who proposed the establishment of the bank owned 50 shares. The other shares were sold in the form of raised funds. Each share The stock price is 50,000 yuan. Of course, if you have a bank, you can use the bank's capital to buy shares, and you will make up for the excess!" Looking at the shocked expressions of everyone, Xiao Yu smiled proudly.
He finally pretended to be in front of these big guys again. The people present were indeed shocked! For 50,000 yuan per share, only 1,000 shares were issued, and everyone present was in an uproar.
You must know that the monthly salary of a fifth-rank official in the imperial court is only about five guan, which is equivalent to spending 1,000 years without food or water to raise it.
Although none of the people present depended on salary, they were shocked by the price. Everyone couldn't help but take a breath of cold air.
Doesn't that mean that the shares of Datang Royal Central Bank are equivalent to 50 million yuan. This is equivalent to two years of taxes from the Tang Dynasty. It was equivalent to a behemoth when it was first established. Who can compete with it!
Although I don’t know how big the bank can develop in the future, according to the plan, it definitely has great potential.
What shocked everyone the most was that only about half of the shares were sold, which can be said to be a paucity of money.
Since it was in the interest of the court and everyone, Li Shimin certainly approved the petition to establish the bank. For the trial operation of the bank, Jiangnan, where Yang Fan is located, naturally became a pilot area.
Seeing that the emperor had approved it, Xiao Yu finally breathed a sigh of relief. After all, the 10 shares given away are a lot of wealth.
The matter of the bank was settled, but for Li Shimin, Shi Jian Yin Shan was his biggest concern. After all, this time Yang Fan sent 1 million yuan in silver, which is cash!
In terms of shock, it is by no means less than the bank that is about to be established.
"Song Guogong, is the reserve of Shijian Yinshan true? Does Wannian County Duke have any plans?" Shijian Yinshan has been widely spread in Jiangnan, and Li Shimin has naturally heard about it.
"Your Majesty, although I have never been to Fusang Kingdom, it should be true. As far as I know, Governor Yang Fan went to sea for just over a month and brought back 1 million taels of silver. If the silver mine reserves are not large, It is absolutely impossible to smelt so much silver in just one month." Xiao Yu neither concealed nor exaggerated, he just told the truth what he knew.
After hearing this, Li Er couldn't help but sigh that Yang Fan was really a lucky general. A random sea trial actually discovered a silver mine with amazing reserves.
No wonder this guy always thinks about opening up overseas markets. It turns out he has already planned it. At this time, Li Er couldn't help but think about whether to send one of his sons to Yang Fan, maybe he could benefit from it next time.
Thinking of this, Li Er sighed:
"I always thought that the Tang Dynasty was vast and rich in resources. I didn't expect that a small Fusang Kingdom would have such a huge silver mine. It seems that Yang Fan's previous plan to develop sea trade is really promising. I have pity on my princes. I don’t have the opportunity to see the vastness of the outside world.” Changsun Wuji, who has followed Li Shimin for many years, naturally understands Li Shimin’s thoughts very well and said quickly:
"Your Majesty, since the Royal Central Bank of the Tang Dynasty is piloting in the south of the Yangtze River and the imperial court has the largest share, why don't you send one of your highnesses to take a look?" His Majesty Li Er was overjoyed, but he still pretended:
"That's what I said, but now Yang Fan is the governor of Jiangnan Province. If I send the prince south, wouldn't it be suspected of seizing power."
"The world is not as big as the royal territory. All the territory of the Tang Dynasty belongs to your majesty, so why should you have such worries? What's more, the prince went south just to study, not to fight for power." Now Yang Fan's heritage is getting stronger and stronger. , Changsun Wuji certainly can’t rest assured.
Although sending the prince south may not necessarily be able to control Yang Fan, this guy is still able to do it.
Li Shimin pondered for a while and asked:
"Which prince do you think is more suitable to go?"
"As the crown prince, it is not appropriate for the prince to leave the capital. The ministers believe that we should choose between the King of Wei and the King of Jin." Since the emperor had such thoughts, Fang Xuanling and others quickly advised him.
Xiao Yu thought for a while and said:
"Your Majesty, His Highness the King of Wei's fiefdom is in the south of the Yangtze River. I think it is most appropriate to send His Highness the King of Wei south. In this way, His Highness the King of Wei can not only inspect the fiefdom, but also assist Wannian County Duke to open up the situation in Jiangnan." After hearing this, Shi said, Li Shimin hesitated.
On the one hand, he really wanted Wei Wang Li Tai to go and gild. On the other hand, Li Shimin was reluctant to let his favorite son travel far away.
Li Er was indeed in trouble at this time! He waved to everyone and said:
"We will discuss this matter later. Sirs, please return first!"
"No!" The ministers knew that they only had the right to make suggestions anyway, and the final decision still rested with Li Ershu.
What everyone is most concerned about now is the issue of Datang Royal Central Bank taking a stake. As soon as he left the Tai Chi Hall, Xiao Yu became a hot cake.
Xiao Yu was surrounded by people who wanted to buy shares. Seeing everyone groveling and fawning, Xiao Yu finally felt proud.
Thinking about the past few times when he was dismissed as prime minister, others avoided him. I didn't expect that he would still be sought after by everyone in his old age.
Of course, Xiao Yu also knew that Yang Fan brought all this. At this time, Xiao Yu couldn't help but rejoice. Fortunately, he followed Yang Fan's footsteps. Otherwise, how would he have such a day!
When Shi saw Xiao Yu's proud expression, many ministers were envious. I originally thought that Xiao Yu would be scolded by the emperor when he came back from Jiangnan, but he never expected that he would achieve such great achievements.
Judging from the emperor's praise, it is definitely a matter of time before Xiao Yu recovers his status. Everyone lamented that those who followed Yang Fan would either get rich or be promoted. This guy was truly a lucky star!
While everyone is trying to figure out how to get along with Yang Fan in the future, Yang Fan, who is far away in the south of the Yangtze River, is too busy to touch the ground.
Although all kinds of infrastructure construction are going smoothly, there are too few manpower. Yang Fan, who originally wanted to take some time off, could only stay in the Metropolitan Governor to process various materials.
Just after Shi and Quan Wanji had finished discussing the issue of printing paper for banknotes, they heard Xi Jun buy it.
"The Governor, several ladies, together with His Highness the King of Wei, have entered Huating County."
"How many ladies are here?"
"Exactly!" Yang Fan's expression froze slightly after hearing Xi Junmai's answer. He couldn't imagine what kind of trick Li Shimin was doing.
It stands to reason that the family members of high-ranking officials like the Governor would generally stay in the capital as hostages. Li Er not only released all his wives, but also sent His Highness the King of Wei. What's going on?
"Grand Governor, what's wrong with you?" Xi Junmai asked suspiciously when he saw that Yang Fan looked strange.
"Oh, it's nothing. How long will it take for them to arrive? I'm going to pick them up. You bring some people and we can go out together."
"No! I'll arrange the arrangements right away." Xi Junmai said excitedly. As the guard captain who protects Yang Fan, Xi Junmai has been staying in the Metropolitan Governor to protect Yang Fan during this period, which really made him bored!
When Wu Meiniang and her party came ashore, Yang Fan was dumbfounded. After all, Princess Changle, Wu Meiniang and Xiao Shiyun are all pregnant.
It looked like he was at least six months old. Yang Fan was so happy to see the maternal glow radiating from the brows of the girls.
"Why didn't you tell me that you were pregnant? Now that you are traveling long distances to the south of the Yangtze River, how will you survive if something happens to you?" Yang Fan looked calm on the outside, but was extremely nervous inside.
It has been more than three years since I came to Datang, and I can’t say that I don’t have a sense of belonging. But if there is blood inheritance, the feeling is definitely different... If you could do whatever you want before, then you will have to work hard and plan for your descendants in the future.
Princess Changle, supported by the twin maids, slowly came to Yang Fan and said softly:
"Husband, don't worry. We are here this time, and we are accompanied by Taoist priest Sun Simiao. There is no risk."
"Haha, it's good that the ladies are here safely, I miss you too." Yang Fan replied with a silly smile. Then he turned to Xi Junmai and said:
"Go and inform. The governor is hosting a banquet in the mansion tonight. Not all officials who are not on duty will be notified. I want to take care of the ladies." Now that he has blood, Yang Fan naturally wants to publicize it.
After all, this is a good opportunity to strengthen cohesion. No matter how big an official is, only when there is a successor can everyone be united and strive for a common goal.
Seeing Yang Fan's excited look, although the girls had a hard time along the way, they felt that it was all worth it!
Is there any man who takes such good care of himself as his husband? Of course, Princess Gaoyang and her daughters, who were not yet pregnant, looked depressed.
I secretly decided in my heart that I must catch up as soon as possible...
