God-level Consort of the Tang Dynasty

Do you think my money is a leaf blown by a strong wind?

Last year's tax in Huxian County, which was handed over to the court, was only [-] guan.

100 million guan, but more than ten years of taxes.

This is a big hole.

"Qing family, ahem, your idea is very bold, but isn't 100 million pennies too much?" Li Er almost choked on himself.

Du He snapped up his fingers and began to calculate for Li Er: "Your Majesty, the city wall of Hu County has been in disrepair for a long time. Repairing it is no different from building a new one. It needs at least 20 guan, and more than 3 people need a place to live, right? Now An Hu All the land in the county was sold out by Qiu Wanjia, who was inferior to pigs and dogs, and all fell into the hands of the gentry. The gentry controlled the land, set prices on the ground, and needed at least 80 guan to build houses and solve the housing problem of tens of thousands of people. One million guan, and it will be gone... However, it is the duty of the minister to share the worries of the king, and the problem of food for the common people will naturally be solved by the minister, even if the minister eats chaff every day, he must not starve the people!"

Damn it, Du He was almost moved by himself.

Li Er was silent for a long time, then suddenly said: "One million guan, I really don't have one!"

Du He blinked: "Your Majesty, in fact, 80 guan is also fine, I will think of a way!"

"no!"

"One million pennies?"

"..."

"One million pennies?"

"It's...it's hard too..." As he spoke, Li Er took out one piece from the memorial and handed it to Du He.

This was written by Dai Zhou, Minister of the Ministry of Civil Affairs. In the memorial, it is said that in the treasury last year, the money that entered the treasury last year was 300 million guan, and now it is only June, and there are only more than 700 million guan left. If the year-old taxes are put into the treasury, the treasury will be empty.

Li Er sighed: "In recent years, the money put into the treasury has been increasing every year, but the cost is not small. At the end of each year, the treasury will be completely spent."

Du He looked at the memorial and didn't know what to say.

In this era of low productivity, commerce is underdeveloped, industry is zero, and the only reliance is agriculture, but agriculture depends on God for food. God is in a good mood, a bumper harvest, good harvest, and more taxes. That's bad... But even in a good year, how much income can you get from farming alone.

Looking at Li Er's gray temples, Du He suddenly felt that the emperor was a bit pitiful.

However, Du He didn't feel depressed when he didn't get a penny, because his purpose was not in this at all.

He put down the memorial sadly, and said: "I never expected that my Great Tang would be so tragic. It's because I'm ignorant that it's embarrassing for Your Majesty. Your Majesty, I don't want this money anymore!"

"Oh? You don't want money. How can we solve this mess in Hu County?" Li Er looked at Du He curiously.

Du He scratched his head, pondered for a while, and said, "Actually, Your Majesty, there is another solution!"

"tell me the story!"

"Chen, I want to set up a bank. This bank has many functions. However, in the early stage, it only does the business of lending money, and the business is all large sums of money. Hu County can borrow from the bank, let's take a loan of 100 million yuan, and the loan will last for 20 years. , the annual interest is [-] guan, and the loan is repaid annually. The principal and interest can be repaid with the taxes of Hu County. In this way, the problem of Hu County can be solved..." Du He began to popularize the role of banks. .

Li Er's eyes widened upon hearing this.

There are other operations!

Lending is very common among the people.

But those are all lending to ordinary people or merchants, and I have never heard of lending to a county.

This method seems feasible?

Li Er pondered in his heart.

……

Chapter 697

This is a good thing that benefits the country and the people!

It is a brand new financial method.

Li Er is by no means an ordinary person, and he quickly thought of the pros and cons.

However, the interest rate of [-] per year seems too high.

As if seeing Li Er's doubts, Du He explained: "Your Majesty, [-] guan per year may seem high, but it's actually not high at all. Has Your Majesty ever thought about buying a house in Chang'an during the reign of Wude, It only needs one or two thousand guan, but now, it costs at least [-] guan, which is a tenfold increase in price. In other words, the current [-] guan will be only [-] guan in ten years, or even lower ..."

Li Er's eyes lit up.

Yep, that's the truth.

Li Er likes to read history.

When the prices were the lowest, it was at the beginning of the founding of the country. After that, the world was peaceful and the people lived and worked in peace and contentment, and the prices would rise uncontrollably.

Li Er thought for a while, and said: "If the tax of Hu County is not paid, so what?"

Du He rubbed his chin and said: "Chen, actually I have been worried about this for a long time. If my dream group set up this bank alone, let alone Hu County, even a random high-ranking member of the court may not pay back the loan... People are soft-spoken and lonely. Who wants to bully the minister? Just... kill him!"

Li Er: "..."

Li Er asked: "If I use the money in the internal treasury to invest in shares, can I get a dividend?"

No way, Li Erqiong!

This Tai Chi Palace, and even the Imperial Palace, have not been repaired for many years.

All the money in the internal treasury comes from the national treasury.

If the treasury has a surplus, the internal treasury will be filled.

If the treasury is empty, the internal treasury will also suffer.

This is when the big river has water and the small river is full, and the big river has no water and the small river is dry.

In recent years, locust plagues, droughts, floods, and wars against Turks and Tubo have drained the national treasury. In the internal treasury, there is only 200 million yuan per year, but there are many places to spend.

Now that June has not passed, the internal bank has less than 100 million guan.

Therefore, he shyly asked if he could share dividends, because he wanted to use the money in the internal treasury to make money.

After all, this huge imperial palace is supported by the internal treasury.

Du He chuckled: "Your Majesty, it's definitely beneficial. Think about it, if you invest [-] guan, it will become [-] guan in a year. Is there any more profitable business than this?"

The business of this era is not developed, and even in many fields, the tradition of bartering is still maintained. A 50.00% profit is enough to make people excited.

Li Er knocked on the table with his hand: "Du He, you should think about it clearly. In the past, the annual tax in Hu County was less than 200 guan, and it had to be handed over to the court. The rest can be disposed of by yourself. According to your According to the saying, a loan of 20 million guan, with a period of 15 years, needs to repay the principal of [-] guan every year, plus interest, which is [-] guan. How can there be so much tax in Hu County? Moreover, I also heard that you have three chapters with the people of Hu County, One of them is to exempt Hu County from taxes for one year! That means, within a year, Hu County will not have half of the tax revenue! How can I pay back the money?”

Du He had already responded to this, and he smiled slightly: "Your Majesty is really wise, you can always see places that ordinary people can't see, I admire... However, I have made an agreement with the people in three chapters, and it is the people of Hu County who are exempted from the punishment." Taxation, if people from outside Huxian County come to Huxian County, taxation is unavoidable!"