Three hundred and twentieth chapters open a ticket number
In the end, Chao Yong was realized by sleeping together, but the three of them spent a quiet night. Because Hu Sanniang was afraid of waking up the child, she was unwilling to switch to other rooms to open a battlefield. In the end, Chao Yong could only hold two women and fall asleep quietly.
It was noon when Chao Yong got up.
Hu Sanniang, who was teasing the child, saw Chao Yong get up and immediately got someone to get breakfast.
After breakfast, Xiaoqing couldn't wait to say, "Crown Prince, I will accompany you to clean up those eunuchs and palace maids."
Chao Yong smiled and said, "What are you anxious about, little girl?"
Xiaoqing frowned and said, "The scenery of Prince* is very good, but now there are people everywhere, so it's not fun at all."
Xiaoqing's words immediately reminded Chao Yong of the scenic spots in later generations, with crowds everywhere, and even the beautiful scenery was destroyed by crowds.
Chao Yong smiled and said, "You can do it as I told you, I still have a lot of things to do."
When Xiaoqing heard this, she jumped up and said, "Then I'm going."
Chao Yong teased the child and came to the palace to pay tribute to the emperor.
At this time, the morning court had already dispersed. Chao Gai saw Chao Yong and said with a smile: "You have been traveling around for many days, and you will not use it in the palace these days. By the way, you can straighten out your prince's people."
Chao Yong said helplessly: "Dad, you give me so many people. It's hard for me to dismiss them without money. You can't drive them out directly."
Chao Gai shook his head and said, "Friendship is coming to ask for money. How much do you want? Just think that you conquered Tokyo this time and convinced the old master to give the rewards of the silver. Now the treasury is rich, but the treasury does not have much silver."
Chao Yong thought for a while and said, "Since you are winning the reward of Tokyo, you must have more. Let everyone in the world know that I treat the heroes well, so that they can attract them to surrender. Give them one million coins first."
Chao Gai spoke so loudly, and was stunned, staring at Chao Yong and said, "What do you want so much money?"
Chao Yong smiled and said, "First send away the extra people in my palace, and then do some business to make money, otherwise the 10,000 yuan my father gave every year is enough."
Chao Gai shook his head and said, "There are too many, so how can there be an example of rewarding one million yuan?"
Chao Yong smiled and said, "There is no such example of conquering the capital so easily. Dad also knows that the money belongs to the national treasury. Dad gives me the money and I will get a ticket number. The money I earn is our royal family. I will save money from the national treasury to the internal treasury."
Chao Gaiqi said: "What is a ticket number?"
Chao Yong smiled and said, "Simply put, let the people come to me to save money. I will give them some interest, and then I will lend the money they deposit to those in need. Of course, they also need to pay interest. This interest must be higher than the interest I give to the people. The difference in the middle is the profit of the ticket number."
Chao Gai was still interested when he heard Chao Yong say that it could solve the royal expenses, but when Chao Yong said that he had made a living, he immediately shook his head and said, "Aren't you more ruthless than the landlord's usury? The landlord's borrowed money from his own, but you are borrowing money from the people. No, your business will ruin my reputation as a royal."
Chao Yong smiled and said, "The interest I lend is definitely not as high as that of the landlords. And with the ticket number, those landlords can suck less blood from the people. Dad, think about it. My ticket number only has one cent profit a year, but the landlords need four cents or five cents. At that time, the merchants will borrow from me, so as not to suffer a disaster and be destroyed by those vampires."
Chao Gai thought for a while and said, "But if the people all come to save money and borrow fewer people, wouldn't you lose money?"
Chao Yong smiled and said, "As long as the interest rate is not high, those merchants who want to expand their business but have no money will rush to borrow it. Moreover, if the interest rate on the loan is five times higher than the interest rate on the deposit, I will deposit one million guan. If I lend it out 200,000 guan, I will not lose money."
Chao Gai nodded and said, "In this way, this is a good business to make money. But if you lend all the money and if the people come to withdraw money, then what will you give to the people?"
Chao Yong smiled and said, "This problem is easy to solve, so it is just to leave some money for spare."
Chao Gai frowned and said, "What if you want to withdraw more money than you keep?"
Chao Yong did not expect that Chao Gai would react so quickly. The piao number is indeed most afraid of being run. Sometimes it is his own problem, and sometimes it is his opponent who deliberately does it. The piao number depends on credibility. If it cannot be cashed out, who dares to save money in the future. The best way to deal with the run is to expand the scale and save appropriate cash.
If the size of the ticket number is only one million guan, it is easy to be maliciously run by some opponents. The opponent only needs to save 100,000 guan. When the ticket number is cashed, the ticket number may not be cashed out and defeated.
But if the scale is 100 million yuan, no one can maliciously run. Even if you save 1 million yuan, it is only a small proportion. Unless you launch a lot of people to run together, but with the reputation of the royal family, unless the country is unstable, most people will not run.
Chao Yong smiled and said, "As long as my royal reputation is not bad, there will definitely be more people who save it than those who take it. Besides, I want to issue bank notes instead of Jiaozi in the past. As long as there is no problem with the circulation of the bank notes, I can also exchange all the deposited money for silver notes."
Chao Gai frowned and said, "I'm a little confused about what you said, but Jiaozi was issued by the imperial court before. You just want to use it as a money envoy if you print a piece of paper yourself. Who would the people want it?"
Chao Yong smiled and said, "Of course, you can't print it casually. If I have 100,000 guan, I will print 100,000 guan silver notes to ensure that the ban is exchanged for cash. Others will naturally use it. Jiaozi was also printed by merchants at the beginning. As long as it can be guaranteed to be cashed, everyone will use it. It is also convenient to use Jiaozi to do business. A merchant who goes to other places to do business 10,000 guan, has to pull a cart. If there is a few silver notes, it is enough."
"Why did the businessmen from other places take your silver notes? They have to come to the capital to cash out."
Chao Yong smiled and said, "In the future, I will set up semicolons in all larger prefectures to ensure that the banknotes can be cashed in all states, so that everyone will naturally use the banknotes."
Chao Gai thought for a while and said, "Now the war is in chaos, I'm afraid you can't do your business, right?"
Chao Yong nodded and said, "It is impossible to open a semicolon now. The silver bill can only be done after unifying the country. However, you can first make deposits and loans, so that the people of Tokyo can deposit the money, and then I will lend it out."
"What if you borrow money and others can't pay it back?"
Chao Yong smiled and said, "Of course not everyone can borrow money. Those who want to borrow must have a mortgage. They can use a house deed, land deeds, etc. to mortgage them. If they cannot repay the debt at the due date, I can sell their mortgage."
Chao Gai frowned and said, "Why do I hear it a little vicious? He sells land and houses."
Chao Yong explained: "Borrowing is always yourselves and I will not force them to borrow money. Besides, if I don't borrow money, they will also go to those pawn shops to resist. My ticket number interest is always lower."
Chao Gai shook his head and said, "I don't understand your number either, it sounds like nothing wrong. You can do it yourself, make trouble, be careful with family rules." Chao Yong smiled and said, "Then Dad first allocate one million guan, so I can find someone to arrange it." (To be continued. Please search Piaotianwen, the novel is better and faster!)