What he just said was just the prototype of a bank!
In fact, this thought had been lingering in Li Yun's mind for a long time.
He didn't even have a bank and had to guard a large house of money every day. Not only was it inconvenient, but he also had to take care of it frequently. It was very troublesome!
Especially when he went south to farm, it would be inconvenient to carry dozens of carts of money back and forth!
However, he hesitated over this idea and did not dare to act rashly.
If it was really successful, all the money in the country would be gathered. If the emperor knew about it, wouldn't he be arrested and beheaded?
Moreover, if he opened it himself, there would be no credibility. After all, no one knew him!
Who would be able to deposit their own money with ease?
After thinking about it, Li Yun had no choice but to give up on this plan!
Only the Emperor could do this!
Today, they had just finished chatting, so they brought it up.
"Cabinet? Is there a storage fee?" Fang Xuanling was confused.
"What does this have to do with earning money? How much is the storage fee for a year?!"
"Old Fang, you're wrong about that!”
"This cabinet I'm talking about, not only did he not accept money, he even gave it away!”Li Yun said with a smile.
He was a little bored in the countryside. It was good to have a few people who could still talk to him!
Sure enough, after listening to his words, the old master became even more confused!
Li Yun lectured him impolitely,
"Give money? Why did he give money? Wasn't this a loss?”
"I say, Old Fang, you're also a businessman. Can't you look further ahead?”
"Don't keep staring at those three melons and two dates. How much is the storage fee?”。
"I still don't understand. Old Du, do you understand?”
"No!" Du Ruhui shook his head.
Then, two pairs of eyes simultaneously aimed at Li Yun!
"For example, the aristocratic families in Guanzhong should have a lot of wealth, right?”
"How much do you think they spend in a year?”Li Yun asked.
"The expenses of the aristocratic families are huge.”Fang Xuanling said honestly.
"This Wanguan is nothing compared to their family assets, right?”Li Yun continued to ask.
"Of course."
"Then think about it. If they save their money in the cabinet, would they only need to use that 10,000 yuan every year?”
Old Fang and Old Du were shrewd people. When they heard this, they roughly understood what Li Yun meant.
"You mean that the rest of the cabinets that are not easily moved can be used by themselves?”Old Fang probed.
"Not bad, Old Fang. Your brain works very fast!”Li Yun praised.
"But what if they need money after the cabinet is embezzled? Wouldn't that expose us?”Old Du asked.
"Are you stupid? Can't we just find more people to save money?”
"Could it be that they agreed to withdraw the money together?”
"The more people there are, the less problems there will be. A large number of people won't be able to use their money for a lifetime!”
"That's why I said that this business can only be done by the royal family!”
"Because the royal family has an annual tax as a guarantee, after the money is misused, it can be quickly recovered. There won't be any major problems with the operation of the money!”
Upon hearing this, Old Fang and Old Du were stunned on the spot as if they had been struck by lightning!!
The two of them looked at each other, their eyes filled with shock!!
For a moment, the room became extremely quiet!
They could only hear the two of them swallowing uncontrollably!
This idea simply made one's scalp go numb!
If it was implemented, wouldn't it be equivalent to using all the idle money in the country for the country's use?
If this was the case, how quickly would the Great Tang develop?
He didn't dare to imagine!
In the past, due to the lack of money, he could only wait bitterly for the annual tax collection day. It was gone forever!
The two of them wished they could fly back to Chang 'an immediately and tell Second Emperor Li the great news!!
Li Yun smiled as he looked at the two people's shocked expressions. He was extremely satisfied!
Every day, he would farm, drink tea, and educate the ancients. This small life was wonderful!
Needless to say, Old Du, Old Fang, and Old Li were indeed talented.
It was not easy to understand what he said!
After the time it took to brew a cup of tea, the two of them barely recovered from their shock.
After calming down, he realized that there were still some problems.
Old Du asked," How do we get these people to deposit their money?”
"If it's just for convenience, then many great clans don't need it!”
"Doing this is only attractive to merchants, but how much money do merchants have?”
" It's very simple." Li Yun snapped his fingers and said," Didn't I say before, give them money!"”
"Save for a year and give him some money.”
"Not only is it convenient for them to store their money, but they can also earn money. They will definitely be willing!”
"This won't do. If that's the case, the royal family won't be able to afford this store. The annual expenditure is too much!”Fang Xuanling shook his head.
"The workshop is earning money by itself!"
"Open up the business of borrowing money. Borrowing 10,000 strings and returning 12,000 strings.”
"Use treasures, houses, and other valuable items as collateral. If you can't pay them back, they'll be confiscated!”
After Li Yun finished speaking, the two of them were dumbfounded again. They stared at each other and were speechless for a long time.
They were all citizens of the Great Tang, so why was there such a huge gap between them?
As the head of the officials, Fang Xuanling even began to doubt himself!
，!!
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