Datang Fenghua Road

"What should I do, Yue'er, tell me quickly!" Li Shimin seemed very anxious, he was really moved by this.

The emperor may not be wholeheartedly for the people, and half of the reasons still value the benefits.

In the third year of Zhenguan, the Ministry of Household Affairs of the imperial court made a statistics, and the annual tax revenue of the Datang treasury was 970 million. This is because Han Yue continued to stimulate the economy, which made Datang gradually rich.

The national treasury income is only 970 million, but the total income of the private sheep interest is as high as 3000 million. The statistics of the Ministry of Household Statistics are not much, because some sheep interest is hidden deeply, and some aristocratic families bribed the statistics officials of the Ministry of Accounts to make them cross it out. Or write less about your own lamb interest income.

In real calculations, Datang's profit for one year is guaranteed to be 4000 million yuan!

How can Li Shimin not be jealous of such a huge amount of money? The emperor is now very poor. Not only does he ask for money for raising troops and horses, but also for disaster relief in various places, water conservancy construction, etc. .

Now that another [-]-large town is to be built, the emperor can't afford a penny and has to let his son take it upon himself. Li Shimin is actually very ashamed as a father.

Han Yue naturally knew that Li Shimin was anxious, and since it was late at night, he also wanted to hurry up and let everyone go back, and immediately said: "Erchen, the ninth industry and the tenth industry are inseparable. Deposit, and the second is to borrow money, the two industries together have the same name, I named him the bank, the Royal Bank of the Tang Dynasty..."

"Datang Royal Bank?" Li Shimin's eyes lit up, but he didn't say what the industry was, just hearing the name made him feel great.

Everyone in the courtyard also quietly raised their ears, and everyone vaguely felt that the Tang Dynasty was not long before the sky changed.

Regardless of everyone's reaction, Han Yue continued on his own: "The so-called bank does not require you to invest a penny or a cent, it uses the royal family and the court as a guarantee of strength to absorb funds from the common people or court officials, and then take the money. Everyone's money is lent to those who need it, in order to earn the difference..."

Han Yue has tried his best to make this explanation as easy to understand as possible. Unfortunately, the banking industry is far beyond that of the Tang Dynasty. Everyone was confused, and Li Shimin was also puzzled.

"Yue'er, why do you say that you take other people's money and lend it to others?" Li Shimin kept pondering, his eyes suddenly turned cold, and he asked: "Do you want me to kill some people to raid their homes?"

Han Yue was startled, and his face was full of strange colors.

As expected of a person who ascended the throne by relying on the Xuanwu Gate, the first thing that comes to mind when encountering a problem is to kill. There are 500 million people in the world, can you kill them all?

In desperation, we can only continue to explain and say carefully: "Father, don't be impatient, there is no need to kill or rob the bank's deposits, we only need to pay an interest, no matter who makes the deposit, the interest will be calculated on a monthly basis. For example, [-] yuan of Erchen is temporarily useless, and I can’t find a suitable transaction to do it. Is it useless to keep this money at home? Not only do I have to build a bank to keep it, but I also worry about being stolen and robbed. The more you worry, the more you sometimes have to spend a lot of money to hire captive family caregivers..."

Li Shimin was silent, but his eyes were faintly alive.

Han Yue smiled slightly, and continued to say: "spare money makes people worry, but it's different when you have a bank. It's the same as the analogy just now. Erchen's 35 guan is put in Datang Royal Bank, and 400 guan can be born every month." Interest, if it is not withdrawn for a year, the interest can be increased a bit, it is estimated that the monthly interest is [-] yuan, and the annual interest is more than [-] yuan..."

"Think about it, saving money is not only safe, but also earns more than 400 yuan in interest a year. Isn't this Datang Royal Bank very powerful? Is this Datang Royal Bank very popular?"

"People's hearts..." Li Shimin murmured, his face was tangled for a long time, and he suddenly gritted his teeth: "Forget it, for the sake of people's hearts, even if I tighten my belt, I have to spend more than 400 yuan in interest. This is buying the world with my own money." An, I decided to do it, even if there is not much money left in the national treasury, I can use my private treasury to post money to those who save money!"

Han Yue opened his mouth and was speechless for a long time.

After co-authoring his explanation for a long time, Li Shimin actually thought that opening a bank was a loss-making business. In the emperor's opinion, the deposit interest was paid to others for nothing.

Turning around and looking at the people in the courtyard, I found that everyone seemed to have this kind of expression on their faces, and some people even looked around, as if they thought they were a fool, maybe they were calling themselves a prodigal...

"Prodigal son, your mother!" Han Yue rolled his eyes silently and murmured in his heart.

It's really tiring to do something in this day and age. If people don't understand it, don't say it. If it's not good, they will laugh at you as a prodigal. Do you have a prodigal who runs a bank?

This is obviously the biggest lucrative industry, okay?

Chapter 437 Empress Zhangsun's Wrist

The ancients just lacked more than 1000 years of knowledge than modern people. Compared with their own wisdom and determination in their hearts, Li Shimin can defeat many people in modern times, and the same is true for those nobles and nobles.

Therefore, although the banking industry is difficult to explain, once the explanation is clear, it will be accepted by everyone immediately. There is no fool who can become a superior person. There may be certain opportunities during the period, but the most important thing is to rely on personal ability.

That's how the bank is settled...

Name it Datang Royal Bank...!

The banking industry starts tomorrow!

This bank will open a head office in the initial stage, which will be established by Han Yue's Tiancefu directly.

Originally, Han Yue wanted the Household Department of the Tang Dynasty to participate, but Li Shimin waved his hand over it after thinking for a while. The emperor didn't want the Household Department to send people to participate, or he didn't want the aristocratic family to participate, because in this era, all the departments of the Tang Dynasty are full of aristocratic families. Officials of origin.

In addition to the head office, twelve branch banks will be established in the Twelve Dao Roads of Datang, and each state will establish its own prefectural bank according to the state capital. Datang has a total of 360 prefectures, so 360 prefectural banks will be established.

Chang'an has a head office, branches in each road, and branches in each state...

Only at the county level, there are some differences. Datang has [-] counties, and it is said that [-] county-level banks should be established, but Han Yue discussed with everyone and decided to directly skip this level.

There are no banks at the county level, only outlets at the town level.

Datang will have [-] large towns. With the promotion of the banking industry in the future, [-] town-level outlets will be built directly. As for the county-level outlets, it is not that they will not be built, but they are currently on hold...

When the family officials were defeated, when did they make up for county-level bank branches.

This is an economic war, and it is also an open conspiracy!

One can imagine the impact of the banking industry in the future. There are banks in the town, but there are no banks in the county. As time goes by, the town will gradually become more prosperous than the county, and the economy of Datang will gradually transfer from the county to the town.

Aristocratic officials control the county, but Han Yue and Li Shimin control the town of [-].

At that time, the ability of the family will be weaker, and the ability of the royal family will be stronger. All the victories in the world cannot be achieved in one cluster, and it takes a single point to accumulate advantages.

It was getting dark, and the families who came to congratulate said goodbye one after another. The crowd began to disperse gradually, and another emperor’s carriage rumbled away. Li Shimin originally wanted to go back to the palace with his eldest grandson, but the queen chose to stay.

"My concubine finally became a grandmother, and this first night I will take care of my little grandson to sleep!"

This is the original words of Empress Changsun...

This is also the first time Empress Changsun has stayed outside since she married Li Shimin...

The emperor was helpless and had to go back to the palace alone. Anyway, his family did not lack a daughter-in-law, and he could find a concubine to accompany him at any time.

It seems that the stars were not last night, and for whom the wind was set for mid-night, they disturbed most of the night, Han Yue had no chance to enter the delivery room until this time, and he wanted to take a good look at Tian Doudou.

The little girl slept peacefully, her face was pale and ischemic just after giving birth, but there was a sweet smile on her brows. She was covered with a small quilt and swaddled in her arms. Satisfy.

Han Yue sighed lightly, couldn't help but reached out and stroked Doudou's hair, then opened the little swaddle to take a look, and found that the little guy was spitting bubbles at the corners of his mouth, and a milky fragrance rushed towards his face.

There were still many people in the delivery room at this time.

There were four palace maids in total, plus two royal midwives, and Tang Yao and Han Xiao were also there, but Luo Jinger was not here, she was about to give birth now, and she went to bed early every day these days.

The queen also sat beside the bed, patted the little baby with her hands from time to time, with a satisfied and kind smile on her face, although she yawned from time to time, no one could persuade her to rest.

A palace maid giggled and joked in a low voice, "Congratulations to Your Highness for becoming a father. The slaves and servants have been busy for most of the night. Now that the princess, mother and son are safe, should you reward me?"

"Reward, reward, reward..."

Han Yue also chuckled softly, and said with the wind and drizzle: "But this king didn't bring any money tonight, so I'll go back and be the housekeeper to give you a big red envelope!"

The two midwives hurriedly thanked him, but the four palace maids giggled, neither thanking him nor saying no, but all of them blushed and looked at him like water.

Han Yue suddenly felt a sudden shock in his heart!