In line with the purpose of not participating, not dissuading, and staying away from right and wrong, Li Hao ran away without any loyalty, leaving the old man to face the chattering Hongfu.

I really don’t know if menopause has been earlier. This is not the case with my cheap mother before.

After passing through the increasingly prosperous East City, Li Hao entered the palace. After the imperial guards ran to report, he entered Li Er's imperial study: "Minist, Li Dejian, see Your Majesty, long live the emperor."

"Are you back?" Li Er, who was writing something, didn't raise his head and pointed casually: "Let's find a place to sit by yourself."

"Thank you!" Li Hao found a chair far away from Li Er to sit down, and maintained a certain safe distance from him. This is the experience I learned after suffering several losses in the past, in case a certain emperor was angry and smashed himself with something.

After a while, Li Er finally finished writing. He put down his pen and sighed with an unfulfilled sigh, as if he was a little regretful. He looked up and found that Li Hao almost sat outside the door. He couldn't help but angrily said, "Why are you doing that far? Come here."

"Oh." Li Hao shrank his neck and said with a smirk: "I have not been scolded by His Majesty for half a year. It sounds so kind today."

Such a thick face made Li Er roll his eyes angrily: "Stop smiling with me, I ask you, do you really feel confident about the banking matter?"

Li Hao touched his nose: "Uh..., what is your Majesty's determination? If you say that you make money, you must be making money. In other aspects, I don't know, after all, this is still a new thing, and it is normal to be rejected."

Li Er nodded and ordered the palace servant standing beside him: "Go and invite Changsun Wuji, Fang Xuanling, Du Ruhui, and Wei Zheng to come."

"promise!"

The palace servants flew away. Soon, Changsun Wuji and others came one by one outside. Li Hao smiled and greeted everyone one by one, asking if this was safe, and asking if the food had been eaten sooner or later. The old guys were a little embarrassed.

Li Er let him toss and coughed dryly: "Well, everyone, today I have called Li Dejian, so you have any ideas about the bank. Just ask him directly."

Ah? Ask me directly? What does this have to do with me?

Li Hao was a little confused, and his eyes swept over the old guys, feeling like he was being cheated: "Your Majesty, you asked me to come back to give me some old masters a lesson?"

"Why, aren't you happy?" After not seeing you for more than half a year, Wei Zheng still had a black face: "I heard that you are struggling in Bingzhou, and many people are thinking about the good of the cooperative. I originally wanted to plead for you and ask Your Majesty to transfer you back to Chang'an earlier. But you are going to make trouble again. I suggest Your Majesty promote a bank to gather wealth from the world. Have you ever thought about how to explain this money to the people in the world if it is lost?"

What do you mean by this? Is this old guy now aware of inflation?

Otherwise, how could such a sharp question be asked?

Li Hao blinked his innocent eyes and wondered how to explain.

But Changsun Wuji said on the side: "Xuancheng, don't be so excited. What you are talking about is just a possibility. After all, natural disasters and man-made disasters are difficult to avoid. As long as the court keeps the money, no one will touch the money."

A series of question marks appeared on Li Hao's head, and he felt that his thoughts were a little unsatisfied. He always felt that these old guys had something to say...

Maybe, maybe, maybe, it seems that he almost targeted Li Er openly and secretly.

Yes, in Datang, which lacks supervision, it seems that only Li Er, the only one who can embezzle all the money.

Poor, no wonder I felt that the emperor's face was full of dissatisfaction, and it turned out that he had been misunderstood.

With a wry smile, Li Hao said embarrassedly under the gaze of the old guys: "Don't look at me like this, the bank is not as simple as everyone thinks. Without some restrictions, it would be impossible.

To give the simplest example, I personally think that unless I have deposits in the bank, no one else has the right to take out money from the bank, even the founder of the bank cannot do it.

This will solve your concerns, but... this requires a reasonable regulatory agency to supervise, which can be directly responsible to the three provinces independently of each department.

Of course, this is just my immature advice.

After all, banks are an emerging product for Datang. We are right to worry about it, but we can’t give up because of the choke. If there are problems, we can only find a way to solve the problem.”

"What you said is easy, but what is the solution to the problem? Only supervision is enough?"

"No, I don't mean that." Li Hao shook his head and looked at Wei Zheng and said, "I mean, it is correct to consider adverse factors before doing anything, but it is not advisable to just consider adverse factors and not consider advantages.

After all, everything is relative. If there are disadvantages, there are benefits. The same is true for banks. You only see the disadvantages. What about the advantages? How much money can you save when setting up bank branches everywhere and uniformly allocate taxes from various prefectures every year? Have you calculated it?"

Everyone was silent. After all, Li Hao was right. The taxes from each state were sent to Chang'an every quarter, and there were countless expenses on the road. If a bank was established and the bank was dispatched uniformly, these expenses could be saved.

To give the simplest example, if there is a batch of autumn grain in Taiyuan Prefecture that needs to be transferred to Chang'an, if there is a bank to allocate it, the grain can be sold on the spot to various grain merchants who come to Bingzhou. These grain merchants do not have to bring too much money, just deposit the money in the bank, then bring the bills to Bingzhou, and then purchase grain from the government with the bills.

The whole process did not use a copper plate or a tael of silver, but the transaction was successful.

The government has not taken over the money, so there is naturally no need to send the money to Chang'an next, at most it is just a bill.

And this is just the beginning. As time goes by, the circulation of various bills will gradually consume less and less copper coins, and it is even possible that copper coins will no longer be needed in the end.

Of course, there are no problems that need to be solved, such as the anti-counterfeiting of bills, or simply the anti-counterfeiting of paper money, but later examples can prove that this is the most correct way to do it.
Chapter completed!