Li Shimin kept weighing in his mind, frowning and asked: "Can't we call it Datang Bank? Why should we add the four words "Royal Central" on it?"
Having anything to do with money is, after all, a tacky thing.
After all, the status of businessmen is lower than that of common people.
Even if a businessman is rich, he cannot avoid the smell of copper.
Even if merchants 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 then 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 owned by Your Majesty and opened by 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 means that the bank has the credibility guaranteed by the court. This is also 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 Bank" and asked again: "The Royal Central Bank of the Tang Dynasty can just be responsible for printing and issuing unified coins. 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, when banks engage in lending business, they 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, 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 has asked a bank responsible for printing coins to do this, which seems to be a bit of an attempt to copy the experience of these powerful people.
Not only Li Shimin, but also Li Daliang and others also looked at Xiao Yu curiously.
Seeing the doubtful looks in everyone's eyes, Xiao Yu felt that he was doing well again.
When I first asked Yang Fan for advice on this issue in Jiangnan, I was almost scolded by Yang Fan like a grandson.
Now Xiao Yu finally felt that he was superior to these people.
He knew it was time to give the emperor of Tang Dynasty and several big bosses a good financial lesson.
Although I stole it from Yang Fan, I 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 first and then directly go to a bank in another place to withdraw it with bills. Wouldn't this be very convenient?
"
Xiao Yu slowly explained the simple economics he heard from Yang Fan.
The people present can become some of the most awesome people in the Tang Dynasty, and no one is stupid.
All they lack is knowledge.
After Xiao Yu’s explanation, everyone can certainly imagine the benefits of banks.
Once the banking business is really launched, it will not only effectively promote the commercial development of Datang, but also make people's lives more convenient.
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 somewhat 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 accounts for their family properties.
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 that the bank was not established to run on banks everywhere. The governor said that the Royal Central Bank of the Tang Dynasty existed in the form of a joint-stock system. If you want to open a
For banks, you can participate as long as you invest in shares. Of course, bank personnel need to undergo unified training before they can be qualified."
In fact, Yang Fan asked Xiao Yu to convey these words.
No matter how frightened Yang Fan is, he will not be frightened to the point of becoming enemies of all the upper-class people.
What's more, these people are originally engaged in bank business. As long as they are trained, banks can soon be opened in every corner of the Tang Dynasty.
Only by reciprocal interests can everyone be tied together and twisted 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 ago 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 do we enter 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 due to the opening of the bank, of course everyone had no objections and instead became concerned about the bank's specific affairs.
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's Office who proposed the establishment of the bank accounted for 5
Ten shares, and the other shares will be sold in the form of raised funds at a price of 50,000 yuan per share. 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!"
He finally pretended to be in front of these big guys again.
The people present were indeed shocked!
For 50,000 yuan a 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 1,000 years of not eating or drinking 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 grow 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 put up for sale, 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 bank matter was resolved, but for Li Shimin, seeing the silver mountain 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, are the reserves of Shijian Yinshan true? Does Wannian County Duke have any plans?"
Shi Jian Yinshan has been widely spread in the south of the Yangtze River, and Li Shimin 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.
Hearing this, Li Er couldn't help but sigh that Yang Fan was really a lucky general.
A random trial voyage unexpectedly discovered a silver mine with astonishing 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 didn’t have the opportunity to see the vastness of the outside world.”
Having followed Li Shimin for many years, Changsun Wuji naturally understood Li Shimin's thoughts very well, and said quickly: "Your Majesty, since the Royal Central Bank of the Tang Dynasty is piloting it in Jiangnan this time, and the imperial court has the largest share, why don't you send one of your highnesses to take a look?"
die of hunger
His Majesty Li Er was overjoyed, but he still pretended to say: "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 that Yang Fan's background 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, so that 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.
."die of hunger
Hearing this, Li Shimin hesitated.
On the one hand, he really wanted Wei King Li Tai to go and gild the palace.
On the other hand, Li Shimin was reluctant to let his favorite son travel far away.
At this time Li Er was indeed in trouble!
He waved his hands to everyone and said: "We will discuss this matter after this matter. Please go back first!"
"promise!"
The ministers knew that they only had the right to make suggestions anyway, and the final decision still rested with Li Erzhi.
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 and proud.
Thinking about the past few times when he was dismissed as prime minister, others avoided him, but he 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!
Seeing 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 area to deal with various materials.
Just after discussing the issue of banknote printing paper with Quan Wanji, I heard that Xi Jun bought it.
"The Governor and several ladies have entered Huating County together with His Highness the King of Wei."
"How many ladies are here?"
"Exactly!"
After hearing Xi Junmai's answer, Yang Fan's expression froze slightly.
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 all had big bellies.
It looks like it's been at least six months.
Yang Fan was so happy to see the maternal glow emanating from the brows of the girls.
"Why didn't you tell me that you were pregnant? Now that you are traveling long distances down to the south of the Yangtze River, how will you survive if someone comes to you?"
Yang Fan looked calm on the outside, but he 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 feel a sense of belonging.
But if there is blood inheritance, the feeling will definitely be different...
If you could act willfully in the past, you will have to work hard and plan for your descendants in the future.
With the support of the twin maids, Princess Changle slowly came to Yang Fan and said softly: "Husband, don't worry. We are here this time with Taoist Master Sun Simiao accompanying us, so 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 beside him and said: "Go and inform me that the governor is hosting a banquet in the mansion tonight. Not all officials who are not on duty will be notified. I have 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 enhance cohesion.
No matter how big an official is, only with a successor can everyone work together as one and strive for a common goal.
Seeing Yang Fan's excited look, although the girls had a hard journey, they felt that everything was worth it!
Which man can take such good care of himself like his husband?
Of course, the girls of Princess Gaoyang, who were not pregnant yet, looked depressed.
I secretly decided in my heart that I must catch up as soon as possible...