Chapter 1043

In the Tai Chi hall, hundreds of officials gather, the western expedition to Gaochang is imminent, and the three provinces and six departments are making intensive preparations.

"If you have something to start, leave the dynasty!" with Pound's sharp voice, the early Dynasty came to an end.

"My ministers have a script!" Li Chengqian, who stood at the head of the hundred officials and listened to politics, bowed out.

"Oh! Prince, come quickly!" Li Shimin said with a flash in his eyes when he saw Li Chengqian out of the line. Li Chengqian is the next generation of successor he has carefully trained. He acts very steadily on weekdays, which can be said to make him very satisfied. On weekdays, Li Chengqian has always listened to politics, studied government affairs carefully, and rarely played. It is natural to be surprised to hear Li Chengqian playing today.

"My son asked my father to let the post station send mail and prepare to build a post station bank!" said Li Chengqian Lang, handing a fold in both hands.

Finally! Suddenly, the officials burst into an uproar. The quarrel between the Mozi and the crown prince in the Lizheng hall had already spread all over the ears of the courtiers. Naturally, they knew that Li Chengqian was ready to set up a post station bank.

"Send mail! Post station bank?" Li Shimin was in a trance. The original post station was a very simple organization for transmitting official documents and information. It swallowed a lot of wealth every year. It was the most weak institution of the Ministry of civil affairs. It was tasteless to eat and a pity to abandon it.

However, he only traveled for a few months. When he came back, Li Chengqian reformed the post station to deliver letters and newspapers for the people all over the world, which greatly improved the post station's finances. However, three years passed, and the post station has grown into a giant, including mail and banks.

Wei Zheng frowned and said, "I heard that the post station mail is a business opened by the Queen's pity for wanderers all over the world. Naturally, it is beneficial to the country and the people, and the post station bank is for profit. Is it suspected of competing with the people for profit.

Unexpectedly, none of the aristocratic families originally involved with the Ziqian family came forward, but Wei Zheng, who had nothing to do with the Ziqian family, objected.

Li Shimin turned his head to Li Chengqian and said, "prince, what excuse do you have?"

"Return to your father! The post station bank is operating money, naturally for profit, but it is not competing with the people for profit. First, the profit of the post station bank can fill the post station's continuous losses for many years, turn the post station into profit and reduce the burden on the national treasury." Li Chengqian shouted.

Dai Zhou nodded. Since the reform of the post station, the Ministry of civil affairs only needs to allocate a small amount of money to operate. Once the post station bank is established, it may be able to feed the Ministry of civil affairs? He knows what kind of gold sucking weapon the Mojia village bank is.

"Second, the largest private bank is the flying money business of Mojia village bank and local banks. However, the two banks have their own advantages and disadvantages. Although the bill and loan interest of Mojia village bank are low, there are only ten Mojia village banks, which have no time to take into account all parts of the Tang Dynasty."

"Of course, the business of flying money is widely distributed, but the interest on flying money and bank loans is quite high, and the people are miserable. Once the post bank is established, it can learn from the two strengths. The post bank not only has the most extensive network, but also takes the most preferential bills of exchange and loan interest. In this way, the money and wealth of the world will be remitted to the world, which is naturally beneficial to the people."

"Your Highness is kind!" many neutral officials nodded one after another. Once Li Chengqian's move was successful, the world would benefit.

Li Chengqian said positively: "The Posthouse bank should not only set an example, but also take the responsibility of supervising the banks and banks in the world. A few years ago, the harm of Indian money was announced. However, indian money is still popular all over the world. People are deeply affected and countless families are destroyed. My son begged my father to abolish the Indian money in the world, and all private loans with an annual interest rate of more than 6 / 3 will be abolished 。”

"The annual interest rate is 3.6%!" many officials nodded one after another. Compared with the terror of Indian money, 3.6% is already extremely conscience,

"Why is it 6 / 3? Like the Mojia village bank, it's not better to have an annual interest rate of 6% to 10%." Wei Zheng didn't understand.

"Lord Wei doesn't know that the annual interest rate of Mojia village bank's loan of 6% to 10% is indeed very benevolent, but it needs enough value collateral. Even if the borrower doesn't go to Mojia village bank, there will be no big loss. However, private lending has no collateral. If the annual interest rate is 6%, I'm afraid not many people are willing to take risks to borrow money. If the interest rate is too high, for example I'm afraid no one can pay back the money game in the market. In the end, it will only end in the destruction of their families, and 6 / 3 is the upper limit that most people can pay back, which can not only ensure the interests of lenders, but also prevent borrowers from going to a dead end. "Li Chengqian Lang said.

"Your Highness, the crown prince has a heart!" when they saw that Li Chengqian was very considerate, they couldn't help nodding. When the interest rate was low, no one was willing to lend to others, and the borrower was afraid that no one would help. If the interest rate was high, the borrower couldn't afford to pay back, it would also lead to tragedy. Li Chengqian set the limit at 6 / 3, which can be said to take into account the interests of both the lender and the borrower.

"If the borrower and the borrower sign a contract in black and white, the borrower will voluntarily bear a quarter or even higher interest?" An official was a little guilty. He was entrusted by the Ziqian family to deliberately look for the flaws of the prince at the court meeting, thinking that the Ziqian family would find a way to break the situation. Once the black and white contract came into force, the Ziqian family could naturally take advantage of this loophole to continue lending money in the future.

Many officials frowned. Mohism's trustworthiness has been widely spread for thousands of years. Under the leadership of Mohism's necessity to sign a contract, Datang attaches the most importance to the spirit of the contract. Once the contract is signed, it will take effect immediately. If both sides sign and borrow at high interest rates, I'm afraid it will be difficult.

Li Chengqian glanced at the official and said with a sneer: "if there is no way out, no one in the world is willing to bear high interest rates. Although the contract is signed voluntarily by the borrower, it must be forced. Therefore, even if the contract is signed, it is also impossible. The borrower can repay the interest of up to six-thirds of the annual interest, and the remaining interest does not have to be repaid."

All officials nodded. The so-called contract was signed voluntarily by both parties and should be observed naturally. I'm afraid none of the civil and military ministers of the Manchu Dynasty believed that the so-called high interest loan treaty was signed willingly.

"How should I pay back the money I borrowed before?" suddenly Merton made a noise and gave the money family a fatal blow.

The officials entrusted by the Ziqian family couldn't help listening. This is related to the interests of the Ziqian family,

Li Chengqian said forcefully: "as long as the father and Emperor agree, from now on, the highest interest rate in the world is only 3.6% a year. The same is true for those who have borrowed indian money before."

The officials entrusted by Ziqian's family were deeply worried. If this went on, Ziqian's family would suffer heavy losses. However, to his relief, chaotang did not turn over Ziqian's back accounts and did not continue to investigate the settled loans.

"Father and emperor, nowadays, private money is becoming popular, and the people suffer deeply. My son and Minister begged to set up a post bank to supervise banks and banks all over the world, as well as private lending, so that the lenders can be profitable, so that the borrowers can tide over the difficulties and have the ability to repay them. In this way, we can achieve win-win results and make the people stable." Li Chengqian solemnly requested.

Everyone's eyes focused on Li Shimin. Li Shimin stood up and threw himself to the ground and said, "sure! I'll leave it to the prince."

"Thank you, father!" Li Chengqian said with great joy.

The ministers were not only in an uproar, but no one expected that Li Shimin would agree to let Li Chengqian set up a post bank. You know, once so, Li Chengqian can control huge wealth in his hands.

However, people didn't know that it was the embarrassed chaotang finance that made Li Shimin decide to set up the post bank. The spreading brick road was like a gold devourer. This time, Gaochang in the western expedition almost hollowed out chaotang's family. If he could set up the post bank, he could bring the source of wealth for the court, and he could realize the freedom of wealth again.

In addition, the Bank of Mojia village and the Bank of Ziqian family are rising in the sky. As an emperor, how can he rest assured that such huge wealth is gathered among the people, and the post bank can supervise the Bank of the world, which is exactly in Li Shimin's mind.

Of course, the most important thing is to put an end to the reappearance of Indian money. The Zi Qian family used Indian money to suck blood wantonly in the Tang Dynasty, causing great resentment among the people of the Tang Dynasty, which can make the people all over the world grateful. Li Shimin will not miss it.