Chapter 261 Be a Dead Dog
"Didn't you find that nowadays, merchants from all over the world are moving to do business, and the longer the distance they cross, the more inconvenient it is to carry the money and silk for trading? Kaiyuan Tongbao has always weighed six catties and four liang, which is both heavy and takes up space. If it is thousands of guan, That's 10,000 to 20,000 catties, and the carts have to be loaded with several carts."
Ma Zhou immediately understood the meaning of Qin Lang's words, "It's not safe to take so much money out."
Qin Lang nodded in satisfaction, "That's right, both money and silk are heavy and take up space, they are inconvenient and unsafe to carry, and carrying so many things will slow down the speed of travel, so, I plan to launch a flying money !"
"Flying money? Flying money?"
"Basically, our transshipment department itself is responsible for the finances, taxes, money and silk. The capital is rich, and there is a head office in the capital, branch offices in the local area, and all roads in the world, so we can take advantage of this."
Chang'an is the commercial center of the world. Merchants from all over the world transport goods to Beijing for sale. After selling the goods, they get a lot of money. It is inconvenient and unsafe to take them there. So Qin Lang planned to set up Feiqian to let the merchants directly hand over the money to Chang'an. The Yamen of the transshipment department in the capital, and then the transshipment department issued a voucher for them, stamped with a seal, half of the family.
The Transshipment Department can send someone to quickly send the half of the voucher to the Changping Department where the merchant is located. After the merchant returns to the local area, it can be verified to be consistent, and the cash can be withdrawn locally.
"This voucher is called Feiqian!"
"So this is Feiqian, is it similar to the money stickers in gold and silver shops today?"
"It is indeed the same thing. Don't some big companies in the capital already have cross-regional exchange between Luoyang and Chang'an, but our transshipment department has stronger capital, and it is an imperial government office, so the credit is higher, so if we come to manage this Feiqian , the conditions are undoubtedly better.”
To operate Feiqian business, you must first have credit, and then you must have capital.
And the transshipment department happens to have capital, because they are in charge of the world's finances and taxes, and they originally wanted to transfer local taxes to Beijing. Now, if they operate Feiqian, they can reconcile accounts on both sides, one import and one sale, and there is no need for two places. Transfer money and silk.
If a businessman deposits money in Chang'an and withdraws it in Luoyang, for example, the Luoyang Transshipment Department will directly deduct a corresponding amount of money that was supposed to be transshipped into Beijing, and transfer it directly to the capital's transshipment account. Very, it is also more capitalized and efficient than those private businessmen.
"Businessmen can either withdraw in the capital, deposit locally, or deposit locally, withdraw in the capital, or deposit and withdraw in any other Taoist government. We only need to send the voucher quickly, which is very efficient and fast."
Of course, service is expensive, and such a good service must also be valuable. According to the current market conditions, Feiqian charges a certain service fee.
In view of the extremely high service fees of the private gold and silver shops in Chang'an, Qin Lang thinks that the rate can be lowered, ten thousandths, or five thousandths, it is all possible, of course, even if it is higher, it is estimated that the merchant They are just as willing.
You know, historically, the handling fee for flying money in the Tang Dynasty was one-tenth.
"We can set up such a separate business organization under the Transshipment Department, which can be called a bank or a bank. In addition to accepting remittances and flying money, we can also absorb deposits from common people and merchants, give them interest, and then lend to merchants. Charge interest. The interest on loans is higher than the interest on deposits, and the price difference can make a lot of money. As long as the scale is larger, we can keep less deposit reserves, and the more loans we make, the higher the income."
Qin Lang wanted to set up a bank a long time ago, but relying on his own personal financial resources, he could only do small things, so he might as well take this opportunity to set up a state-owned bank and start a bigger business.
In the future, paper yarn such as banknotes and bank notes can be released. Although bank notes are not entirely money, they can be overissued with money and silk as the principal.
"The imperial court is currently short of coins, so it uses silk to do both. If it sets up a bank and distributes money, it can greatly improve the money shortage."
Ma Zhou thought of another problem. The imperial court has always been in a dilemma of insufficient money, so it is called money shortage, and silk cloth has to be used as currency. A large amount of trade will keep a lot of money on the road, making the money shortage even worse.
Insufficient coins will cause serious damage to trade and industry, which will lead to insufficient circulation. Later generations of Yangma will release water at every turn, in fact, sometimes it is for currency circulation. Insufficient currency circulation will inevitably lead to business damage, trade shrinkage, and economic downturn.
Ma Zhou became more and more excited as he talked.
"It is extremely inconvenient and safe for merchants to carry large sums of money for long-distance trade, but we only need a fast horse. If there are too many businesses, one horse can carry more than one piece of flying money each time, and the cost can be further reduced.”
As for the handling fee, Ma Zhou decided to charge 10 percent, and 100 yuan for 1,000 yuan.
Qin Lang thinks this fee is too high, but Ma Zhou said that now the Jingshi Gold and Silver Shop only collects with Luoyang, the handling fee is higher than this, and the time is longer. Behind us is the national finance, with strong capital, and can be exchanged at any time. For merchants In terms of cost, it won't waste a bit of time, even if it's a 10% fee, but compared to their own transportation and **** costs, it's still cost-effective, not to mention saving a lot of time.
Ten percent.
Qin Lang really felt that he was stealing money.
But think about the fact that the imperial court used public money to lend money before, and the annual interest doubled.
After a long discussion with Ma Zhou in the Transport Department, Qin Lang entered the palace to face the saint.
Seeing him coming in, Li Shimin said a little coldly, "You little bastard, you just hid for a while and stayed quiet."
"Your Majesty, I'm just a **** in the charge. Once I charge to the end and never return, I don't care about those behind me. Success or failure has nothing to do with me."
Li Shimin shook his head helplessly.
"I'm afraid this matter will be shelved for the time being."
"It's okay to put it on hold for the time being. The timing is wrong, so there's no need to force it, isn't it? You can also temporarily suspend the battle and fight again in the future."
Seeing that Li Shimin was a bit haggard, Qin Lang took advantage of the opportunity and proposed a plan to establish a bank, and to make money and bank notes.
It took a whole meal to explain this financial system clearly, and Li Shimin finally understood it.
"Your Majesty, this business cannot be operated with three to five thousand dollars. First, you must have good credit, and then you must have strong capital. It is easy for the bank to rely on the transshipment company."
"Your Majesty, please give the bank a name!"
Li Shimin pondered for a long time, "Kaiyuan, Kaiyuan bank."
Datang’s first currency was Kaiyuan Tongbao, and now it’s time to build a bank for Feiqian. Li Shimin thought for a long time, and thought it would be good to use Kaiyuan as the name.
"Kaiyuan Bank, praise!" Qin Lang hurriedly flattered Li Shimin.
Li Shimin didn't take it seriously, and waved his hand, "Originally, I wanted you to enjoy more peace and quiet in the countryside, but the scientific examination is about to begin, and you are the chief examiner of the Zhigong Ju appointed by me, so I called you back. "
Li Shimin saw that Qin Lang came back this time, with a good attitude, and was very pleased. He was also worried that the young Qin Lang would really quit in a fit of anger, and there would be some trouble.
This time the incident was abandoned halfway, which dampened the enthusiasm of the young people, but the Transshipment Department still had a lot to do, and Li Shimin couldn't find another suitable candidate to replace Qin Lang, and still believed that Qin Lang was the best candidate for the Transshipment Envoy.
"About the tax law, don't mention it for the time being. During this period of time, you should calm down and preside over the scientific examination."
"I understand."
Both the monarch and his ministers tacitly agreed not to mention the rent and mediocrity, nor to mention the land tax, household tax, and tax distribution, but both of them knew in their hearts that temporarily pressing this moment today does not mean that they have completely let go of this matter. .
Especially for Li Shimin, since he has seen the major hidden dangers of rent-yong regulation and the advantages of the new tax law, it is impossible for him to ignore it.
One day, he will bring up tax reform again, but at that time, he will definitely be fully prepared.
At that time, the young son-in-law in front of him will definitely be the reform general he re-enables.
"I heard that you bought 10,000 mu of marshland beside Xianyangzhen's royal hunting and pig farm?"
Qin Lang was not at all surprised that the emperor knew this. He had already confirmed that Yu Xuanji was a hidden stake placed by Baiqisi around him. He bought 10,000 mu, so it was naturally impossible to hide this from the emperor.
The emperor said it now, probably because he intended to remind him that he has been paying attention to Qin Lang.
Unspoken between the monarch and his ministers.
Qin Lang bid farewell and left the palace.
As soon as he walked out of Tai Chi Palace, he met Empress Changsun.
"The Supreme Emperor knows that you have returned to Beijing, and asked you to play mahjong with him by name."
Qin Lang hasn't played mahjong with the Supreme Emperor for a long time, especially after the scandal of Princess Danyang, who was famous in Chang'an last time, he didn't dare to go.
"I have just returned to Beijing, and I still have a lot of things to do. I have to be busy preparing for the scientific examination!" Qin Lang's scalp was numb.
Empress Changsun came to his side, "Do you think I am willing to go, but the Supreme Emperor has called his name, so I have to go. Let's go, just as a guard."
The mother-in-law has said this, what can Qin Lang do.
"Why didn't I see Princess Changle?"
"She went to the East Palace to see Chengqian, and I'm too lazy to take her with her. She chattered endlessly all day long." The queen said with a smile, "It's rare to be quiet."
Qin Lang reluctantly accompanied Empress Changsun to the residence of the Supreme Emperor in Hongyi Palace.
"I heard from my elder brother that you have given him a big profit from the business of sugar in the country. He is very happy."
"My eldest grandson is also my uncle, so if you have money, you naturally want to earn it together."
"You are still young, don't just think about money and things all day long. You have to use the court to make money, but you also need to cherish your body and love yourself. This tax reform is making a lot of noise, which is not good for you."
"Queen, I'm just your majesty's pawn. When the horn sounds, I have to rush forward. How can I look forward and backward?"
After hearing this, the eldest grandson could only appreciate Qin Lang more and more.
"Don't worry, Your Majesty sees your loyalty. No matter what the outside world says about you, His Majesty will protect you, and I will protect you."
"Thank you Your Majesty and Your Majesty."
The eldest grandson looked at Qin Lang with love in his eyes, "No matter how the Supreme Emperor treats you later, you have to bear it, understand?"
"The minister will be a dead dog in a while!"
Empress Changsun burst out laughing.
(end of this chapter)