Manager Li withdrew, and there were no outsiders in the private room. Li Shimin, who had been impatient, could finally come out of the inner room.

Li Shimin was so curious that he was just not showing his face on purpose. He took the teacup handed over by Li Mu and tried his best to ask calmly: "Li Mu, this is not what you arranged, right?"

Li Mu was too lazy to argue and said, "Your Majesty thinks it is arranged, that is, it is arranged." As he said, he made a big remark and said, "As the saying goes, is the king's minister in the shores of the land..."

"Okay, okay!" Li Shimin waved his hand and said, "You should come with me for this, what's going on?"

"Actually, it's simple to say. If you don't say it, your Majesty can figure it out. It's just a matter of turning a corner." Li Mu analyzed Li Shimin: "Your Majesty, if you analyze something, you have to analyze it from both the outside and the inside."

"Take the internal situation first, the aristocratic families have always been united in order to fight against the court and against the imperial power. But they do not trust each other, so they need an intermediary to serve as a channel for communication. Jisitang came into being and acted as this channel. But now, the owner of Jisitang is my mother. Even if Jisitang is still as usual and can play its role, the various aristocratic families will not believe it. The original system is on the verge of collapse, and this is a matter of no way, and they can only accept it."

Li Shimin nodded. This is indeed the case. What Li Mu said was no different from the information collected by Dongchang and the bad guys.

"Besides, the external situation is not optimistic. In the past, everyone received education, scholars, farmers, businessmen, and businessmen are the lowest. Many people would rather farm and beg for food than go to business. The court would not touch business, so business became the private land of various families. Only they were doing business, and competition only existed among them. Many things, because of the same identity, status, situation, and even alliances brought by in-laws, etc., they digested it internally."

"But since the court had an Office of the Internal Affairs and now the Office of the Foreign Affairs, the situation has changed." Li Mu said seriously: "It's like there is only one sheep. It turns out that three people were divided, and now four people are divided. The fourth person is divided must have been picked out from the mouths of the other three."

"Your Majesty knows how much money the Office of the Internal Affairs made last year. The money the Office of the Internal Affairs earns is the money they lost. Although it is not exactly, most of it is like this."

"The court has also ordered that the people should not bypass the Ministry of Internal Affairs and the Ministry of Foreign Affairs and trade directly with foreign countries, which is equivalent to cutting off their tentacles. Although there are still smuggling situations, as long as the court is willing, they can deal with them at any time, which is equivalent to a sword hanging over their heads. They know that they will cut them down, but they don't know when they will cut them down. This kind of fear is the most difficult for them."

"So they urgently need to find an export, which is how to protect their own industries while coexisting with the court, while finding opportunities for development."

Li Shimin nodded subconsciously, and he basically agreed with Li Mu's statement. But thinking about all this, it was made by Li Mu step by step, and Li Shimin felt a little uncomfortable. For him, Li Mu was just a double-edged sword. Of course, it was easy to use when used, but he was afraid of hurting himself.

"The birth of cement has accelerated this process." Li Mu said seriously: "The changes brought by cement are earth-shaking. If you cannot master cement in the future, they will be eliminated within ten years in the near future."

"If there is a table now, where all the five surnames and seven sects eat on it. After ten years, someone will not be worthy of this table. So now it is not that the ministers are forcing them, but that they have to do this in order to keep their seats! Everything is done first and then the hell is fartful. Boling Cui offended me before, so they have to be more active in order to make up for their previous mistakes."

"In addition—" Li Mu chuckled and said, "There is another factor, their money has no place to spend."

"What?" Li Shimin was puzzled: "There is no place to spend money, what does it mean?"

"Your Majesty still doesn't know enough about these aristocratic families." Li Mu was very tempted and answered Li Shimin's doubts: "Give Your Majesty an example. When doing business, it is the most difficult to start. It is short of money, people, and goods, and everything is lacking. Just like the current court, there are more places to use money. It seems that no amount of money is enough, but it is not the case for aristocratic families that have been passed down for thousands of years. The money they should spend has been spent several generations ago. Over the past few hundred years, they have accumulated countless wealth, and the business that can be operated in the world has basically been divided up by them. If there is no new thing out, their money will only be in and out."

"The serious shortage of investment channels is the unsolvable problem faced by these people."

"As soon as the land reform was launched, this was even more so. In the past, we could buy land, but now we are not allowed to buy land. What else can they do?"

"Doing business? The industry you do is not competitive, and the industry you don't do can't get in. Nine out of ten are compensated. Borrowing interest? It used to be possible, but now with banks, when banks promote it everywhere, this road is equivalent to being blocked!"

Li Shimin thought to himself, it turned out that he was waiting here, and this kid really made up for every step. When he was implementing the new policy, he didn't say this, but now he is all connected.

Li Mu didn't know what Li Shimin was thinking, and he was still saying: "Not to mention, the high interest rate is also risky. Some people can't afford it, escape, run away, die, and the accounts will be rotten."

"So the most reliable consumption is only luxury. The gardens, the entertainment industry, the wealthy people are intoxicated, and the squandering things can't be squandered, and some of them are all decayed. Some have not been spent for a long time and are rotten. The copper coins circulating on the market are getting less and less, and this is why."

"Are they stupid? Of course not stupid. Who in this world doesn't understand the principle of making money? It's just that they have no way. Now they give the Office of the Internal Affairs, the Office of the Foreign Affairs, and the trading market, and they have already seen the general trend of the future. Only by joining it can they not be eliminated. Now I give them a chance to get on the bus first. Can this opportunity come in vain?"

Li Mu smiled and said, "These businessmen are more skilled than monkeys. They know that I still need them now, so the price I pay is the smallest. After passing this village, there will be no store. When everything is arranged, they will have to lose their skin even if they don't die!"

"Your Majesty, you just think that they are fools, but in fact, they are all smart people!"

Li Shimin suddenly realized and smiled bitterly: "I am a fool who can be with me-"

Li Mu quickly stood up to apologize. Li Shimin signaled him to sit down, calmed down, looked at Li Mu, and said a little hesitantly: "I also want to be a smart person. You also want to give me a hundred thousand ounces of bonds..."

"Your Majesty, there is no need for this?" Li Mu said speechlessly: "The world belongs to Your Majesty, and the Office of the Internal Affairs is also to Your Majesty. Isn't it just a matter of using money?"

"Oh, you don't know anything." Li Shimin's face turned slightly red and said, "The money you mentioned is recorded when using it. What money is used is obvious. It is not easy for me to speak out, but in some places, I don't want people to know about it. So--"

"Private Money." Li Mu suddenly realized that what men in later generations had to go through, and the Emperor of the Tang Dynasty thousands of years ago could not be spared. Li Mu pondered for a moment and said, "This matter is not difficult. Just open an account for Your Majesty. But Your Majesty now has no private money. Where does the 100,000 yuan invested come from?"

Li Shimin also took the initiative and said, "Teach me!"

Li Mu was shocked, and he still underestimated the thickness of the man in front of him: "Your Majesty, if you invest, you will not spend a penny? I will invest money and pay it back to myself after I earn it. You don't even pay for it? If the world does business like this, there will be no poor people!"

"Oh, you have to understand my difficulties," Li Shimin made up his mind to be a scoundrel and said, "Anyway, you have to deal with me. I don't care about anything else!"

“…”

What else could Li Mu say? He had to admit defeat. But he also had a solution. If he didn't want to pay out the money, he would just do the accounts and squeeze out everywhere. It just didn't want to do that. To some extent, it was also a talisman.

Spending money to buy life is never a loss.

...

In a blink of an eye, ten days have passed since the consultations on heaven and earth. Today is the eighteenth day, and the Imperial Heaven has calculated that it is the auspicious day for the opening of the business.

The craftsman's workshop, outside the Tang Dynasty Bank, gongs and drums were roaring, firecrackers were roaring, lions and dragons were dancing, and there were crowds of people.

Today is the day of the official opening ceremony after the reform of Datang Bank. It can be said that the talented people have arrived and guests gathered. After the renovated Datang Bank, it has included several nearby yards, covering more than twice the land it has.

Li Shimin also gave face very much. He just came here in person today. Among the officials, those with great prominence came to support him. However, due to the limited venue, the fourth-rank official is embarrassed to have no place for you.

The five surnames and seven sects, the nobles of Longyou, and those with great reputation all sent people to send gifts. Such lively scenes are comparable to Chang'an during the Lantern Festival. The people are talking about it. If they talk about the lively part, there is really no comparison with Li Mu.

The people who watched the fun blocked the craftsman's workshop and squeezed the yamen runners who maintained order into a slant and lost their human form.

However, Li Mu did not come forward on such a glorious occasion. The one who came forward on behalf of him was Changsun Chong, who was transferred from the Office of the Internal Affairs and officially served as the president of Datang Bank.

This arrangement was something that no one expected.

Li Shimin didn't expect that Changsun Wuji would never have thought that Li Mu's magical move completely made everyone confused. Especially Changsun Wuji, if he had known that the ultimate benefit was his son, he would definitely not have done so many things that were secretly obstructed.

But Changsun Chong was so moved that although he had never doubted the affection of his mentor to him, he knew what Changsun Wuji and Li Mu were not dealing with. Therefore, Changsun Chong never asked for anything in front of Li Mu. He was the one who told him to do whatever he wanted, for fear that Li Mu would think too much, thinking that he had ulterior motives.

Today, Changsun Chong, who was promoted to the president of Datang Bank, deeply understood what it means to judge a gentleman with a villain. He became more and more determined in his heart. He did not misunderstand anyone. Li Mu was the person with a design and selfless heart. Following such a teacher is definitely the most correct decision in his life.

When the applause and cheers stopped, Changsun Chong delivered a passionate speech. First of all, he thanked all walks of life for their strong support for bank reform and for the court's affirmation of the role of banks. At the same time, he would not forget that thanks to those who did all this. His mentor Li Mu, who was good at making decisions, added this part, but no one thought it was abnormal. Although Li Mu himself did not show up, everyone understood that he was the actual controller of all this.

Finally, Changsun Chong announced that from today onwards, Chang'an City will no longer charge any cash as a pilot! In other words, Chang'an City will use treasure money for transactions.

In order to encourage the people to actively respond to the reform, Changsun Chong announced a five-day preferential policy, that is, those who exchange treasure money within five days can receive an additional reward, half a share of the extra money. One hundred taels of silver can be exchanged for 105 taels, and five taels are free. Each person has a limited amount of 100 taels, and only one chance can be enjoyed.

Li Mu will pay for all the extra differences. That is, if everyone exchanges one hundred taels, Li Mu will give each person in Chang'an City five taels of silver.

When the people heard the news, they all cheered. The Marquis's efforts to spread coins were really greater and greater.

Chang'an City is known as a population of one million. The Marquis will not be allowed to pay his life this time?

In fact, Li Mu dared to do this because he had actuated.

How many people have a 100-two company? Less than 10%! Even if someone distributes each other, it is not easy to make up 100 taels. If you count it half a century, the base of one million people is 150,000. In five days of handling time, you can't serve so many people. Li Mu's final "loss" can't exceed 100,000 coins.

Li Mu thought it was appropriate to use 100,000 guan to popularize this matter.

After announcing this matter, Changsun Chong promoted the advantages of Baochao.

One of the most direct examples is the problem of Baochao's lack of quality.

The copper coins that are popular in the world are divided into two types: small in size. The coins of the previous generation are small, but the people also recognize them. The newly minted coins in the Tang Dynasty are heavy and the purchasing power is higher. Some copper coins that have been old have severe corrosion and are not enough.

Banks will gradually reclaim all the insufficient money on the market and re-melt them into full new money. In the future, there will be no problem of sufficient amount or insufficient money for the money exchanged with treasure banknotes.

The interested people shouted and asked, "How much loss is calculated based on the bank's loss?"

Changsun Chong was prepared and said, "Depending on the quality, it can be calculated at most half a year."

When the people heard this, they cheered again.

In fact, the loss of smelting is around 23%. But before, even if you buy a jar, the color difference is different, it will be converted to 10% at least. There has never been a case of collecting half a share. The bank has collected half a share, which is absolutely cost-effective.
Chapter completed!