"Throughout the past dynasties, it was probably because the emperor was fatuous, the court was corrupt, and natural and man-made disasters made it difficult for the people to survive, so a new dynasty rose up..."
Li Shimin said seriously while considering his words.
Seeing that he was so serious that he almost forgot his own personality, Wang Zi'an couldn't help but feel funny in his heart. He lazily leaned on the back of the chair, crossed his legs, and said half-jokingly, half-seriously.
"If the emperor is not fatuous, can the common people survive? Emperor Wu of the Han Dynasty cannot be considered fatuous, right? However, during his fifty-five years in power, a total of forty-three serious natural disasters occurred."
This data was pulled out by me in my previous life when I was arguing with those troll netizens on the Internet, so I still have some impressions.
"Among them, there were 10 droughts, 11 locust plagues, six floods, three earthquakes, three wind disasters, two frost, snow and hail disasters, three famines, and one plague. How many people died? This does not include the old guy Emperor Wu of the Han Dynasty who went on a military rampage. The people who died in the war..."
Having said this, Wang Zian couldn't help but feel a little sad.
"The prosperity of the people is miserable, the death of the common people is miserable. How can the common people live a good life for a few days? You say, the same thing is that they can't survive. Why didn't the common people rebel during the reign of Emperor Wu of the Han Dynasty?"
Seeing Li Shimin and Wei Zheng with thoughtful expressions on their faces, Wang Zi'an couldn't help but have a somewhat playful expression on his face.
"If this question is a test of your knowledge, then I will ask you a more realistic question. Since the Zhenguan period of the Tang Dynasty, floods, droughts, locust plagues, ice, snow, and frost have occurred one after another, and many people have been unable to survive. , Lao Li, tell me, why didn’t they rebel?”
Ah, this——
You kid, why do you still want them to rebel against me?
Li Shimin's eyes twitched when he heard this, and Wei Zheng and Li Junxian couldn't help but feel frightened.
This brat plays with his heartbeat every day.
"Well, it goes without saying that your Majesty is of course wise and benevolent, compassionate, considerate of people's livelihood, all officials are attentive, and the top and bottom are integrated. He has been working hard to provide disaster relief..."
Wei Zheng quickly interrupted.
As the old man spoke, he secretly glared at Wang Zi'an.
Brat, are you talking nonsense like this?
Seeing that this stubborn old man still knew how to protect himself, Wang Zi'an couldn't help but feel happy. He nodded to him with appreciation and no longer challenged his sensitive nerves.
"Actually, what you said is only part of the reason. It is important for officials to govern the Qingming Festival, but the most important reason is that they still have hope, at least most of the victims still have hope -"
""The imperial court has not given up on them, and their land is still in their hands. As long as they survive the famine, they still have hope of survival..."
Hearing this, the three people couldn't help showing thoughtful expressions on their faces.
"You have seen natural disasters, you have seen the corruption of the emperor and the court, but you have not discovered that the inevitable factors-"
Having said this, Wang Zi'an sighed with some emotion.
"Haven't you discovered that in any dynasty, as the dynasty develops, the phenomenon of land annexation will become more and more serious. Once the seriousness reaches a certain level, some conflicts will be inevitable."
"At this time, coupled with the natural and man-made disasters you just mentioned, it will be difficult for the people not to rebel..."
This truth was told by his history teacher when he was in school. He was still ignorant at the time, but now in this era, he has truly realized how troublesome this issue is.
Li Shimin, Wei Zheng and others couldn't help but be silent after listening.
They all came from the late Sui Dynasty, so they naturally knew the seriousness of this problem.
However, this thing is a stubborn disease that cannot be controlled at all.
If you have money, you want to buy land. This has almost become an obsession of ordinary people.
"So, you're saying that using land as an anchor might solve this problem?"
Li Shimin's eyes were like lightning, trying to see a look of certainty on Wang Zi'an's face. Unexpectedly, Wang Zi'an shook his head gently.
"It can be alleviated, but it cannot be eradicated..."
Oh, it can’t be eradicated?
The three people couldn't help but let out a sigh of relief. They didn't know what kind of emotion they were feeling in their hearts.
Obviously I felt very disappointed, but I didn't know why, but I felt relieved again.
"That's already amazing. Can you tell me more about it?"
Li Shimin came back to his senses, picked up the cold sugar water in front of his eyes, sipped it gently, and looked at Wang Zi'an thoughtfully.
Wang Zi'an stopped pretending and nodded.
"With land as an anchor, the value of the land will not fluctuate too much under the intervention of the bank -"
"For example, during a famine year, people can use land as collateral to borrow money from banks. After the famine passes, they can take the land back and repay the loan over a number of years according to the agreement..."
"In this way, the people may have a hard time for two years, but as long as the land is still in their hands, there is still hope of survival..."
Li Shimin couldn't help but let out a breath and quietly sat up straight.
This method seems to actually work!
According to Wang Zi'an's description, the land was only a mortgage in this process, not a transaction.
If people can get mortgages, who will sell their land?
Even if there are really prodigal sons who have to sell their land, it will definitely be only a small part and not enough to cause trouble - at least, not enough to cause trouble in the short term.
"Zian, according to what you said, aren't you afraid that this bank will develop into a behemoth in the future and become a cancer that no one can check and balance?"
As an old man in the court, Wei Zheng naturally saw the consequences of the problem at a glance.
If people never repay their debts, wouldn't it mean that according to the agreement, they would have to struggle to repay their debts for years, decades, or even a lifetime?
The bank will become the creditor of countless people and control the life and death of countless people!
"So, this bank is related to the rise and fall of the country and the safety of the country, and must be in the hands of the imperial court!"
Li Shimin took a deep breath, suddenly stood up, and waved decisively.
Wang Zi’an:……
You thief, there is no sign of the bank yet, you old boy not only wants to pick peaches, but also wants to dig up tree roots!
"Hey, Lao Li, what are you so excited about? If you don't know, you'd think you're the emperor?"
Wang Zi'an glared at him angrily and said deliberately.
"Butt, where is your butt sitting? We, father-in-law and son-in-law, are in the same group. Really, chewing on spicy carrots and worrying about the emperor's heart-"
Li Shimin:...
Damn it, believe it or not, I’m going to show it off on the spot!
Forget it, I'll endure it.
Li Shimin took a deep breath and patted Wang Zi'an on the shoulder.
"Zian, we are Weng's son-in-law, will I still hurt you? Listen to my advice, this bank is of great importance and is not something we should get our hands on. If we take control of it by force, there may be unexpected disasters..."
Gan, this is a serious threat!
Wang Zi'an couldn't help crying or laughing.
"No, on the contrary, Lao Li, we are husband-in-law, will I still harm you? You should also listen to my advice. Under the current system, if we want the long-term peace and stability of the Tang Dynasty, this bank must not fall into the trap. In the hands of the imperial court, otherwise, at the least, the bank will collapse quickly, at worst, it will harm the country and the people, and the country will overthrow——"
Li Shimin:...
Looking at Wang Zi'an's attitude, I really feel good for you.
Li Shimin wanted to rush up to him and give him a good punch to wake him up. But then I thought, ah, no, I am in a hurry.
Even if according to what this brat said, the bank must be controlled by "oneself", it is no different from being controlled by oneself.
The emperor takes 60%, and "himself" gets another 20%.
Tsk tsk, 80%!
You think I only have 20%, but actually I have 80%——
I am the real boss of this bank.
When he thought of this, he felt calm and calmed down. He picked up the teacup and leaned back on his chair, looking at this "silly boy" with a playful look on his face, preparing to watch the show.
Tsk, come on, silly boy, start your show!
"Good son-in-law, please tell me why we and I can control this bank, but the court cannot -"
Wang Zi'an was a little surprised by the sudden change in his attitude towards this old boy, but he never expected that he would have so many inner dramas at this moment.
So, he pondered for a moment and said seriously.
"I won't talk about anything else. Let me give you an example - for example, during this snowstorm, if this bank was there, do you think that His Majesty the Emperor, who is so poor that his eyes would turn blue, would be able to resist moving to the bank? Money?”
When Li Shimin heard this, he couldn't help but be speechless.
Yes, if there really was such a bank at that time, could I have endured it?
He thought about it for a long time and asked himself countless times in his mind, but he did not dare to answer this question head-on.
"Even if our emperor can endure it, can his descendants endure it? Can his ministers endure it?"
Having said this, Wang Zi'an glanced at Li Shimin, who was speechless, with a mocking look.
"Believe it or not, once this bank falls into the hands of the imperial court, let alone corruption under various banners and names, once the imperial court encounters any difficulties, the bank will eventually become a fat sheep in their eyes, and they will There are countless righteous excuses to reach out and take the money - when the time comes, will this bank still be a bank?"
Li Shimin:...
He wanted to say it, but he couldn't. He knew better than anyone else that what Wang Zi'an said was almost inevitable.
"Do you know the terrible consequences of emptying the bank? People all save their money in the bank. Once the bank is emptyed by the court, the world will be in chaos. Lao Li, when the time comes, our son-in-law, no, mainly you, that is The sinners of the Tang Dynasty——"
Ah, I have become a sinner of the Tang Dynasty.
Li Shimin raised his sleeves and wiped the cold sweat from his forehead.
"Zian, according to your statement, can this kind of problem be avoided if the bank is in private hands?"
Wei Zheng, who had been taking notes seriously, suddenly raised his head and asked with confusion on his face.
What a good student——
Wang Zi'an secretly complained.
Then he picked up his tea cup and nodded slightly.
"Would a normal dynasty attack a trading company in which the emperor personally holds shares for no reason?"
When Li Shimin heard this, he couldn't help but raise his eyebrows slightly, while Wei Zheng and Li Junxian couldn't help but look thoughtful.
"Unless the world is in chaos, it shouldn't happen -"
Wei Zheng didn't dare to say a word, unless the emperor fell to the level of a puppet like Emperor Xian of Han Dynasty.
"Therefore, this bank must be detached and independent of the imperial court. Only in this way can the interests of everyone be guaranteed to the greatest extent possible. Only in this way can we ensure that this bank will not be damaged because of the imperial court or even the change of dynasty. And breaking through the bottom line will completely collapse the entire society..."
Wei Zheng and Li Junxian:...
Secretly wiping off a cold sweat, this brat really dares to say it.
Dare to bring up such a taboo topic as the change of dynasty.
"According to your statement, doesn't this bank have a higher status than the imperial court..."
Li Shimin frowned slightly, and his voice felt a little cold.
Although he greatly admired Wang Zi'an, it did not mean that he could tolerate the appearance of a behemoth under his nose that might threaten the dynasty's rule. Although this behemoth is actually still under his control, it is wrong to think this way.
Wei Zheng and Li Junxian were suddenly shocked. They wanted to remind Wang Zi'an, but they didn't dare. They could only pray secretly in their hearts that this brat must not let himself go too far.
You know, dragons have reverse scales.
"No--"
Regarding their reactions, Wang Zi'an acted as if he hadn't noticed them and shook his head gently.
"This bank is different from ordinary commercial banks. It has too much influence and cannot be completely independent. It must be under the supervision of the imperial court——"
Hearing what Wang Zi'an said, Li Shimin's face suddenly relaxed a lot, and Wei Zheng and Li Junxian couldn't help but secretly breathed a sigh of relief.
Fortunately, this brat still knows the importance.
"It must operate independently, but must also accept the supervision of the court, and make financial reports to the court every year. The court must also send specialized personnel to conduct surprise inspections of the bank at least twice a year - in this way, the good operation of the bank can be guaranteed... …”
"If you put it this way, the nature of this bank is a bit like the state capitals in various places——"
Wei Zheng seemed to have said something unintentionally. Hearing this, Li Shimin nodded subconsciously and his expression completely improved.
Well, it turns out that what this brat asked for was just the authority of the ordinary state capital.
From the perspective of the role of this bank, it is considered a match.
What's more, he still owns 80% of the bank's shares, so this request is not too much.
"It makes quite a bit of sense -"
Li Shimin nodded to Wang Zi'an with satisfaction.
"Okay, let's do this first. You get this bank up first. If there are any other problems, we'll talk about them later -"
Well, if you want to be on the safe side, leave some room for movement.
Don’t do six basic things.
Looking at Li Shimin who said, "Just do it with confidence and boldness, I believe in you", Wang Zi'an couldn't help but be speechless for a while.
He knocked on the table to attract his attention.
"It's such a crapshoot. Where's the deposit required by the bank? Several hundred thousand dollars. You don't expect me to pay for it myself, do you? Take the money!"
Li Shimin:...
No money!
"Ahem - you're going to cushion it first?"
Wang Zi’an:……
Shameless!
Seeing Wang Zi'an's eyebrows raised with a joking look on his face, Li Shimin quickly added.
"After the new year, I will pay you back after the new year - Zian, don't worry, I have such a big business, can I give you such a small sum?"
Wang Zi’an:……
I believed your evil deeds!
