At noon, I saw the night all the time, Uncle Li was still enjoying himself, as if he wanted to learn all the relevant information I had sorted out, and he could make a money shop in his mind. I don’t know how many cups of tea I have drunk, well, but I haven’t even urinated for a while, and I still feel dry mouth. It seems that the spit that the young master spits out is almost as high as three or five kilograms of tea.

Zhao Kun, behind Uncle Li, was already sitting cross-legged on the ground, with his sword stationed, his eyes narrowed into slits. If you observe carefully, you can see that this guy is sleeping. Li Zhi also tried hard to understand what money is, what finance is, and what financial activities are. However, he could see from his face wrinkled into a dead-faced pancake that this guy's ability to comprehend is only one-third of Uncle Li's. Uncle Li's eyes became more and more eager, and even the dinner he sent was eaten voraciously, and then wiped his mouth and continued to examine it.

Well, there are two types of registered capital of Qianzhan. One is a regional bank, that is, the Tang Dynasty. The registered capital of such banks must reach at least one million guan. This threshold is not high. There are not many people in the Tang Dynasty who have a wealth of one million guan, but they are definitely indispensable. Even if they don’t have enough money, they can still invest in a joint venture. Besides, as long as the Tang Dynasty cracks down on private lending, in this way, Qianzhan, such a state-protected commercial institution, will become the only choice for the people of the Tang Dynasty to save money and loans.

Only when this threshold is reached can you open a bank. In addition, if you want to open your outlets in the region, then every outlet must be approved by the local government agency and issued a document certificate before you can open business.

Otherwise, a few gangsters or trash are random, or they have bad intentions, get some money to decorate a store, decorate it, and pretend to start a business. At that time, you will abscond with the money. What should the people do? You will definitely blame the court. Therefore, the threshold for this access system must be there, and there must be many treaties to bind it. It must be very strict to prevent such things from happening.

I don't want me to turn aside a good plan to benefit the country and the people, and make people criticized me by others. I even become the most failed example among time travelers.

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"What you mean is that the court sets up an institutional money deal managed by the court. It is only responsible for policy adjustments, such as monitoring the deposit and loan interest rates of institutions like my Datang, and not operating business to the people, right? Well, this is a good way, but what is your deposit reserve?"

"What is this deposit reserve?" Uncle Li pointed out and pointed a noun above and asked me. "This deposit reserve is specifically used to make the withdrawal of customers. If the bank loans all the money, what should I do if someone comes to withdraw money? If the withdrawal is not possible, the people think that this bank is just a ghost place that only enters and cannot go out. Who is willing to deposit money? So, the son-in-law thought of such a way. At the beginning, in order to reassure the common people, the deposit reserve can be increased a little. Pay the national bank at a deposit rate of 30%. If five to ten years later, the people trust the bank and no longer worry about losing their money. At this time, we are reducing the proportion of deposit reserves, but no matter what, it cannot be less than 15%.

For example, if the bank deposits total one million guan, then he has to pay 300,000 guan to the local national bank's vault, and the remaining 700,000 guan is the loan funds that can be used to issue.

In my eyes, the bank's set is also very simple. Well, at least I think it is very simple. Anyway, we don't engage in other financial activities, we only engage in savings and lending, so that we can also make a lot of money. The benchmark interest rate of the bank's loan is up to 10%, which eliminates the trend of private lending to the greatest extent. Of course, we only use mortgage loans for loans. This work must be strictly controlled. Whoever borrows the loan is responsible for recovering it? If the other party maliciously does not want to repay the loan, then we will meet in the government office.

Besides, compared with the current private interest rate of 30% to 50% of the Tang Dynasty, 10% is probably the meeting that the meeting will be robbed of. Therefore, the check on loans must be people who are good at calculating and loyal to serving the money market.

Of course, there is another point. If the other party is willing to repay the loan for three years, but at that time, the other party will lose money due to natural disasters or business operations. In that case, it can apply for a loan extension, which will also avoid the hardship of the people...

"The country has established a money store, and then it is responsible for supervising and managing the commercial money store below. This is the reason, right?" Uncle Li pursed his lips, his red tongue was like a poisonous snake's letter.

It shrank and made people feel cold.

I quickly nodded to express my understanding of Uncle Li. Uncle Li reached out and touched his forehead, and his face became more and more joyful. I knew that the opportunity finally came. "My father-in-law, my son-in-law also wants to ask Your Majesty to invest. With the power and reputation of Your Majesty, the people will trust Your Majesty's integrity. At that time, the business business activities of the son-in-law, the business of the son-in-law, can be carried out better. In addition to the investment of His Majesty to obtain shares according to the proportion of the total shares, the son-in-law wants to make this money a royal money store in the name of the royal family. In this name, it is worth ten percent of the shares. I wonder what my father-in-law thinks?"

"Oh?" Uncle Li looked at me, as if he was thinking about something in his heart. On the side, I pushed Li Zhi to the point of my foot and threw a look over. The little guy naturally knew how to cooperate: "Father, my son-in-law also felt that Master's words were reasonable. After all, if the father could set the precedent in this matter, even those who were greedy for land who used high profits to gain the people, I would not dare to object to this matter. My son-in-law also thought that the sooner the money was established, the better. My son-in-law was willing to follow my father and invest in the money shop."

Li Zhi's words were definitely sincere. Although this guy has no financial mind, he has been following me for so many years, and has never eaten pork or seen pigs walking? Cough cough, I have never seen how much money I make. At least everything he does with me counts money and puts it in my pocket all day long. Naturally, I understand that following me will definitely have meat to eat and soup to drink.

Uncle Li didn't say anything, blinked his eyes, as if he was thinking about something, and Li Zhi and I could only look at Uncle Li straight. Uncle Li seemed to be hesitating. ***, it seems that we will no longer throw away some more bait. Uncle Li's ghostly ten thousand-year-old fish is difficult to catch.

I cleared my throat: "In addition, if Your Majesty agrees, my Tang Dynasty Royal Money Store is willing to start the insurance business of my Tang Dynasty soldiers in order to support the country."

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"Insurance business?" Uncle Li blinked his eyes and looked at me without saying anything, as if he wanted to understand what the hell I was talking about. I stood up with a righteous look on my face, looked out the window with a distant look, with a very solemn expression: "Your Majesty, although my Tang Dynasty is strong, there are border troubles from time to time. In order to maintain unity and justice, the country sent our Tang Dynasty elites to wipe out the enemies and rebellion so that our Tang Dynasty can be peaceful. Then, the country has also paid a heavy price for this. Let's not talk about anything else. Just the money spent on the soldiers who have lost their labor and their lives every year is afraid of hundreds of thousands of coins, right?"

"Almost, in the 18th year of Zhenguan alone, in order to compensate the general who died and lost his ability to work, our Tang Dynasty spent nearly 500,000 yuan. However, in order to relieve his revenge, destroy Baekje, and conquer Japan, the weapons and equipment of our Tang Dynasty became more and more elite. There were many fewer soldiers who died and lost their legs and feet, but they also spent nearly 200,000 yuan." Uncle Li looked sad. It seemed that he felt sorry for the losses of the elite soldiers of the Tang Dynasty. Of course, it was also possible that Uncle Li felt sorry for his pockets and lost some money.

"This is related to the insurance mentioned by the son-in-law just now. If you let the money deal, it will not only reduce the country's losses, but also greatly increase the reputation of Your Majesty." If this move is useless, we will have no tricks. Uncle Li frowned in confusion: "Son-in-law, what do you mean? Do you want to do a money-lossing business?"

"My father-in-law, this is actually a mutually beneficial method. Even if the son-in-law loses, he can't actually lose much money. However, for the sake of the country, the son-in-law is willing to bear the burden." I replied to Uncle Li with a grudge. Uncle Li was really interested now: "Tell me, what is this insurance."
Chapter completed!