It turned out that he didn't know, or that Tang Ping didn't notice the loan sharking in these temples.
Now that I know it, I naturally can't let it go like this.
Normal lending is beneficial to the people, but usury definitely harms the interests of the people.
Therefore, we should take this opportunity to eradicate this cancer.
It is easy to overthrow the opponent. It is said that everyone in the world is here for profit.
The people's spare money is stored in the temple, and those who save money still have to pay.
Tang Ping directly copied the model of modern banks, paying lower interest rates to those who save money, and then lending these funds out at higher interest rates.
As for credibility and funds, he has both, and can even be said to be richer than these temples.
The richest man in the Tang Dynasty is not just a nice title.
"Let's go back to Xiahe Village!" Tang Ping directly asked the driver to turn around.
"Aren't you going to find your Majesty?" Li Yuanji asked.
"I won't go for the time being. I'll inform the presidents of the major trading houses in the city, as well as the envoys from Honglu Temple who are stationed in Chang'an, to come to Xiahe Village and I'll treat them to a meal."
Tang Ping invited him to dinner. The presidents of the major trading houses in Chang'an City were all preparing for the celebration, so they just dropped what they were doing.
This is especially true for the envoys from various countries at Honglu Temple. Although Tang Ping was hosting a private banquet, they were still representatives of a country.
Moreover, most of the people stationed in Chang'an are high-level figures such as princes who can directly make some decisions.
But in Chang'an City, how dare they not give Tang Ping face?
If you don't give him this face today, he might be kicked out of Honglu Temple tomorrow.
So in the two largest halls in Xiahe Village Resort, one hall was occupied by the presidents of major chambers of commerce, and the other hall was occupied by envoys from various countries.
"Shopkeeper Tang, could it be the celebration? What happened?" Shopkeeper Yun was the first to ask, unable to sit still.
Because other people, such as Fatty Liu who cooks and Li who sells medicine, can wait until before the celebration to prepare their ingredients.
However, their Yun Family Woodwork Shop has sold out all the materials. These materials can only be used to make tables, chairs and benches for the celebration. If something happens and these materials are not used, they will suffer a big loss.
"No, no." Tang Ping smiled and comforted him and said, "He Qing
It has something to do with the code, but not much. The main reason is that I have an idea to make a little money today, so I invite you to come over and discuss it. "
When people here heard Tang Ping say he could make money, they all got excited. Who didn't know that Tang Ping was the most profitable person in the Tang Dynasty?
"Shopkeeper Tang, please tell me how to make money?"
"You should all have some spare money, right?" Tang Ping looked at the people around him with a smile.
These people originally planned to listen to Tang Ping talk about how to make money, but when they heard that he actually asked this question, they all said with embarrassment: "Shopkeeper Tang, who didn't put in all their efforts for the celebration this time? All the money was basically invested. Now, where is the spare money?"
"Yes, yes, there are really three melons and two dates. You, shopkeeper Tang, don't even look down on it."
"Youah, you misunderstood me!" Tang Ping waved his hand to tell everyone to quiet down.
When these people heard Tang Ping ask this question, they thought he was trying to allocate some funds for the celebration, so they all complained about poverty.
"I told you that I am here to make a little money for everyone, and I am not asking you to contribute money." He looked at Fatty Liu and said, "Brother Fatty Liu, are we old friends? Tell the truth, are you in Daxingshan Temple?" Did you save money?"
Fatty Liu looked at Tang Ping, gritted his teeth and said, "That's right, how much shopkeeper Tang wants, I'll ask someone to come up with it tomorrow."
"Hey, why don't you people believe me?" Tang Ping was helpless: "I really don't want you to pay."
"Brother Liu Pang has to pay two cents of storage fee every year for the money he deposits in Daxingshan Temple, right?"
These large commercial banks actually have a lot of cash, but with so much cash, it is not safe to keep it there.
Especially twenty years ago, the entire Central Plains was still in a state of war. If you left the money at home, your life would probably be lost.
Therefore, they will basically be kept in temples, so that they can pay a small storage fee every year and can withdraw it at any time when needed, which is also convenient.
Fatty Liu nodded and said, "My Liu family has been saving money at Daxingshan Temple for generations. This is no secret. They only charge us one and a half cents for the storage fee."
Tang Ping nodded: "What if Brother Liu puts the money in Tang's Commercial Bank? I will give you 0.35% annual interest on a demand deposit. If you want a time deposit, it depends on how many years you keep it."
"I deposited the money with you, and you give it back to me?" Fatty Liu asked with some disbelief.
"That's right!" Tang Ping said, "Isn't this the same as lending money to me? You also know that your money is actually being lent to those temples."
"If you don't do the lending business yourself and mainly lend money to the people, it would be too troublesome to collect bits and pieces of payments. In the end, it's better to do your original business well."
"But now you can all leave your money with me. Not only will Tang's Trading Company give you the money, but you will also be able to withdraw cash in other cities with the proof of depositing money in Tang's."
As soon as Tang Ping finished speaking, the chamber of commerce presidents were in an uproar.
Now everyone can use Datang coins, which is much simpler than using copper coins in the past. However, if you carry too much money from one city to another for large transactions, you will always have to pick it up on the way Terrified.
If he could really tell Tang Ping that if he deposited money in Chang'an and went directly to Yizhou to withdraw it, wouldn't it be much safer?
With the financial resources and credibility of Tang's Trading Company, many people are planning to withdraw how much money to deposit here first to try it out.
If it is really as convenient as Tang Ping said, it would be nice to slowly deposit all the money in the temple with Tang Ping in the future.
Fatty Liu calculated it and asked, "If I deposit 1 million in Tang's Trading Company, will you give me 1 million 3,500 in one year?"
Although the interest was only 3,500, he originally had 1 million in the temple but had to pay 15,000 to the temple. Over the past two years, the difference has been close to 20,000.
Tang Ping shook his head and said, "No."
Seeing that Fatty Liu was about to question, he smiled and said, "If you promise not to use this 1 million for a year and save it regularly, I can give you 1,035,000."
"Hiss..." Fatty Liu took a breath. This time, it was 50,000 a year.
"If it is a three-year term, it will be an interest of 50,000 per year, and the interest will be converted into the capital every year."
Tang Ping added another chip.
The presidents of each chamber of commerce looked at each other, and then began to figure out how much spare money they had and how much they could save with Tang Ping.
"I have ten million deposited in Tang's Trading Company." Li Yuanwai was the first to say something shocking.
Tang Ping smiled and cupped his hands towards Mr. Li.
"But this place is not called Tang's Commercial Bank, it's called Tang's Bank. It will specialize in deposit and loan business in the future."
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