In just a few days, dozens of caravans came to the Datang Bank in Shunzhou City to withdraw money from the Datang Bank in Shunzhou City, holding deposit receipts from banks from various places.
These caravans all planned to buy more mutton, wool, horses and cattle from Shunzhou before it snowed.
Horses, cattle and sheep in Shunzhou are considered the cheapest in the entire Tang Dynasty.
As long as Shunzhou's horses, cattle and sheep are sold to Datang, especially to the south of Datang, the price can directly increase several times.
Therefore, after these caravans exchanged all the goods they brought with them for horses, cattle and sheep, they would again withdraw tens of thousands of copper coins from Datang Bank to purchase a large number of horses, cattle and sheep.
However, what no one thought about was that Shunzhou was a newly built city with no aristocratic families or powerful people.
At most, they are just some merchants, and these merchants don't have much capital.
The richest people left are the herdsmen, and all the money of the herdsmen has been invested in horses, cattle and sheep, and there is not much money left in the bank.
Therefore, the Datang Bank in Shunzhou City actually did not deposit much money!
Including the copper coins shipped in advance from the Tang Dynasty Bank in Chang'an, the maximum amount is more than 200,000 coins.
There is so much money that there is no way for the caravans to get it!
In just five days, all the money was taken away, and not even a single copper plate was left in the entire Datang Bank in Shunzhou City.
After the news about Datang Bank in Shunzhou spread, the caravans who were leisurely selecting horses, cattle and sheep in Shunzhou City suddenly panicked!
Dozens of caravans blocked the entrance of Datang Bank!
"Manager Li, why is Datang Bank running out of money?"
"That's right, I'm waiting for so many caravans to come all the way from all over the Tang Dynasty, but they are all preparing to withdraw money from the bank!"
"Manager Li, I'm not forcing you, but I'm waiting for such a large caravan to come all the way to Shunzhou, not only to transport goods, but also to buy a large number of horses, cattle and sheep from Shunzhou!
Otherwise, I would have to wait for so many guards to go back empty-handed, and the food consumed along the way would be enough for me to pay for it!"
"Yes, Manager Li, just tell me, how much money is left in the bank now?"
"The Tang Dynasty Bank is the property of His Majesty, the King of Jin, and all the princes and aristocratic families. We don't believe that the bank has no money!"
"I'm waiting for each of these caravans to have more than 100,000 yuan deposited in the bank..."
"..."
"Everyone, I definitely did not deceive you. The money you deposited was deposited in the states of your family, not in Shunzhou. Moreover, the bank where you deposited your deposits is thousands of miles away from Shunzhou. It takes only one or two months to transport it.
Come to Shunzhou!"
Li Zhao, the steward of Datang Bank in Shunzhou City, explained helplessly.
He had just been sent to Shunzhou from the Prince's Mansion in Hejian County.
I am not very clear about these things in Shunzhou City.
I thought that the fact that Shunzhou City, a remote barbarian land, could deposit more than 200,000 yuan in just one month was worthy of celebration.
But he was not happy for a few days. Only a dozen caravans took out the more than 200,000 yuan in the bank that he had not kept warm.
But now, dozens of caravans were standing guard at the bank's gate, holding deposit receipts and asking him for money!
However, there was really not a single copper plate left in the bank.
Thinking about it, even in Saibei where he had to put on thick clothes, Li Zhao's forehead was already covered with beads of sweat!
Seeing that Li Zhao didn't look like he was lying, all the caravan managers couldn't help but look at each other, and then their eyes were full of bitterness.
"What should we do?"
"Yes, if I can't withdraw the money this time and bring back enough horses, cattle and sheep, something big will happen!"
"How should I explain this to my family?"
"Manager Li, this matter is the fault of your Datang Bank. Please resolve this matter as soon as possible!"
"otherwise……"
All the caravan managers were staring closely at Li Zhao, with both hope and despair.
At this point, if they can't withdraw the money and buy enough horses, cattle and sheep to go back, their caravan will suffer huge losses, and the master behind it will never forgive them!
"Don't worry, everyone, I have sent out cavalry two days ago to ask banks in Liangzhou, Ganzhou, Shuofang and other cities to borrow money. In addition, I have also sent cavalry to report to Chang'an!
I believe that as long as I stay in office for a few more days, I will have enough money and luck to come to Shunzhou..."
Li Zhao hurriedly comforted him!
However, he did not know that the cities in Liangzhou, Shuofang, Huazhou, Changzhou, Dingxiang, and Yunzhong in the Tang Dynasty were also filled with caravans from all over the Tang Dynasty.
All the money from Datang Bank in the city was taken away!
One by one, they rode quickly towards Chang'an.
Even in Qingzhou, Dengzhou, Fuzhou... some cities rich in local characteristics, all the money in the city was not taken away by groups of caravans.
There were more than 300 money houses in the Tang Dynasty, and dozens of banks sent fast riders to Chang'an!
…
Chang'an!
Tai Chi Palace, Liang Yi Palace!
Li Shimin sat behind the desk and reviewed the memorials handed over by the Central Publishing House.
Especially when he saw that the amount of money deposited in various state banks in the Tang Dynasty had reached 10 million yuan, he couldn't help but feel happy.
You know, the total taxes of Datang last year were 23 million yuan!
And now, just by opening a bank shop in the Tang Dynasty states, you can receive 10 million yuan!
Although the money does not belong to him, according to the experience of Goguryeo banks, he can use at least 30% of the 10 million guan in these banks.
Moreover, this is just one month's deposit for opening a bank.
If the bank had been open for a year, wouldn't it be possible that the bank would have deposits of 20 million guan, or even more?
The more he thought about it, the happier Li Shimin’s face became!
In my mind, I subconsciously thought of the strange rumor in Chang'an City!
The King of Jin should be the wealthy king of the Tang Dynasty!
On the side, Li Wei and a group of servants stood quietly at a distance. Seeing Li Shimin so happy, everyone could not help but curl their mouths slightly!
However, the good times did not last long.
"Your Majesty...I am waiting to see you, Your Majesty!"
Before Li Shimin finished reviewing the stack of memorials on his desk, Fang Xuanling hurried in.
Behind him are Changsun Wuji, Li Xiaogong, Du Ruhui and others!
"Um?"
Li Shimin was startled and asked quickly: "Auxiliary machine, Xuanling, Xiaogong, what kind of big thing happened, why are you so panicked?"
"Your Majesty, this is a matter for our bank in the Tang Dynasty!"
Fang Xuanling quickly reported the news.
"Qianzhuang?"
Li Shimin's eyes narrowed and he asked hurriedly: "It has been less than two months since our bank in the Tang Dynasty was established. What kind of big thing happened?"
"Your Majesty, in Shunzhou, Liangzhou, Shuofang, Huazhou, Changzhou, Dingxiang, Yunzhong, the northern cities of Saibei, as well as Qingzhou, Dengzhou, Fuzhou and other seaside cities, because there are many caravans going there,
However, not much money is deposited in the local Datang Bank.
As for the aristocratic families and merchants of our Tang Dynasty, as long as they deposit money at the Datang Bank in the state where their families are located, they can withdraw money from the Datang Bank thousands of miles away with the deposit certificate.
Therefore, less than two months after the Tang Dynasty banks were built in those prefectures, all the money in the banks was taken away by caravans from the prefectures! "
"And now, in every Tang Dynasty bank in these cities, there are dozens of caravans waiting to withdraw money!"
"Is that so?"
Hearing this, Li Shimin couldn't help but look solemn.
"Your Majesty, we have sent people to borrow copper coins from the nearest state cities. However, there are too many caravans in these states, and tens of thousands of coins need to be taken away every day.
Therefore, transferring bankers from those surrounding the state cities will only provide temporary relief, not long-term relief!"
"Your Majesty, especially in Shunzhou and Huazhou, we have more Tang Dynasty caravans in these cities, and the surrounding cities do not have much money. I estimate that the Tang banks in these cities still lack a lot of money!
"
"Your Majesty, this matter is related to the credibility of our Datang Bank. It is extremely urgent. We are incompetent and need your Majesty's decision!"
Fang Xuanling, Changsun Wuji and others all looked anxious.
At this moment, Li Shimin was also filled with worries.
Datang Bank claims to be the largest owner, but he is Li Shimin.
If even an ordinary matter of withdrawing money could not satisfy the caravan stewards, he could imagine what would happen to Li Shimin's reputation in the hearts of the people all over the world.
Thinking about it, Li Shimin couldn't help but ask: "Is it feasible to transport money from Chang'an to Shunzhou and Huazhou, cities that are in urgent need of a lot of money?"
"Back to Your Majesty, the Tang Dynasty Bank in Chang'an City has more than 20 million guan in deposits. At present, the money banks in Liangzhou, Shunzhou, and Shuofang in Saibei Prefecture City are extremely short of money. At least 5 million guan of money must be transported.
Meet the needs of these states and cities!”
Fang Xuanling hurriedly replied: "Your Majesty, if you want to transport so much money to the cities of Shunzhou and Liangzhou at one time, you will need at least tens of thousands of carriages and 20,000 soldiers. It will take more than ten days and the food, grass and baggage required along the way."
Another huge amount of money!”
Hearing this, Li Shimin couldn't help but fall into deep thought.
After a long while, Li Shimin raised his head and asked, "What good ideas can you guys have?"
"Your Majesty, the Li family in Longxi also has money bankers. You can borrow some money from the Li family in Longxi. In addition, tax money from cities like Liangzhou and Shunzhou that have not yet been sent to Chang'an does not need to be sent to Chang'an. It must be deposited in the bank first.
.
Also, during this period of time, the caravans traveling from Chang'an to Liangzhou, Shunzhou and other state cities can remind them that the Tang Dynasty bank there is currently tight on money, so that they can be prepared. If they can go directly from Chang'an city to the surrounding states along the way,
It’s best if you can get enough money from the city!”
"In this way, if we send one million strings from Chang'an to Liangzhou and Shuofang, we can almost survive this period of time!"
Fang Xuanling, Changsun Wuji and others suggested slowly.
"Very good, just do it as you said!"
Li Shimin agreed directly.
"Yes, Your Majesty!"
Fang Xuanling, Changsun Wuji and others could not help but breathe a sigh of relief and quickly bowed their hands.
Then, he thought of something and hesitated.
"It's just that your Majesty, this method can only be used temporarily and is not a long-term solution! Wei Chen and others estimate that next year Shunzhou, Liangzhou, Qingzhou, and Fuzhou will need more money!"
"Do you have any good ideas to solve this problem?"
Li Shimin asked with some expectation.
"Your Majesty, please forgive me for being stupid!"
Fang Xuanling, Changsun Wuji and others couldn't help but look ashamed.
"Okay, let's go and quickly deal with the matters in Shunzhou, Liangzhou, Qingzhou, Fuzhou... these state cities! Even if the Datang Bank in these state cities will need more and more money, it will be next year!
"
Li Shimin said in a deep voice.
"Yes, Your Majesty!"
Upon hearing this, Fang Xuanling, Changsun Wuji and others quickly bowed their hands and quickly exited the hall.
Datang Bank is not an industry. Basically, the most powerful people in Datang invest money in stocks.
Therefore, just two months after Datang Bank was built, it encountered such a big crisis. Basically, every bank would actively respond to it.
Basically, in less than ten days, the Tang Dynasty banks in Shunzhou, Liangzhou, Shuofang...as well as Qingzhou, Dengzhou, and Fuzhou received a large amount of money one after another.
And in Liangyi Hall.
Not long after Fang Xuanling, Changsun Wuji and others left, Li Shimin, who was sitting behind the desk, became increasingly annoyed as he looked at the memorial in front of him.
After some time, Li Shimin let out a long sigh.
"Li Wei, go change quickly and follow me out of the palace!"
"Yes, Your Majesty!..."
Half an hour later.
Li Shimin took Li Wei and went straight to Lijiazhuang.
Sitting on the sofa, after listening to Li Shimin's words, Li Xuan pondered for a moment before speaking.
"Your Majesty is worried that those aristocratic families and merchants have deposited a large amount of money in the city where their families are located.
Then, it has to be taken out in a state city thousands of miles away.
However, the states and cities where such aristocratic families and merchants are located are all the rich states of the Tang Dynasty. And the states and cities where they want to do business and withdraw money are mostly the poor states of the Tang Dynasty. The cities of the Tang Dynasty in those states are
The bank does not store much money.
In this way, we, the Tang Dynasty, have to transport a large amount of copper coins from those wealthy states and cities to those poor states and cities every year.
Just the carriages, horses, soldiers, grain, grass and baggage used to transport copper coins, the money consumed is far more than the money earned by the bank!"
"exactly!"
Li Shimin nodded slightly.
"Xuan Ba, do you know that it was only because of the more than 20 million copper coins from the Tang Dynasty Bank in Chang'an City that I had to ask the Construction Department to build ten more warehouses to store all the money in it!"
"However, the reason why these aristocratic families, dignitaries, and merchants who have money in Chang'an City are so active in saving money in Chang'an City shows that they want to use the money elsewhere.
This is 20 million yuan. Not only do they have to use this money within a month, but they have to use it within two months in a certain state in the Tang Dynasty, or in places like Goguryeo or Tubo.
Withdraw this 20 million yuan.
That state, or the surrounding states and cities, or even the entire Goguryeo, could not collect so much copper coins.
Even transportation costs a lot of money!"
Unexpectedly, Li Shimin could also think of such a financial crisis. Li Xuan couldn't help but glance at Li Shimin in surprise, and said slowly: "So, your majesty still remembers the banknotes I mentioned to your majesty some time ago!"
"Banknotes?"
Li Shimin was stunned and thought about it for a long time before he recalled it.
"Xuanba, throughout history, all dynasties have used money to conduct transactions, and now copper coins are the most popular. If paper money is suddenly used to replace copper coins, I am worried that the merchants of the aristocratic families will not accept it, and most importantly, the people of the Tang Dynasty will not accept it because of paper money.
Because of this, I was deceived by those aristocratic families and merchants!"
"Your Majesty, you can first give paper money to aristocratic families, merchants, and dignitaries, just like deposit notes."
…
ps: I feel a little overwhelmed, the update is finished today, sorry!
Tomorrow~~if it’s not so uncomfortable, I’ll update as normal!