"this……"

Li Mu showed hesitation, but in fact he had already made plans in his heart. Even if everyone in the palace supplies perfume and soap, it would not be enough to be a burden. But if he really did this, he would lower the "level" of perfume and soap, because no one would cherish things that were given out too easily.

When Empress Changsun saw Li Mu hesitating, he guessed what he was thinking, and smiled and said, "The meaning of this palace is not to let you give it away for free. But she wants to discuss with you whether it is cheaper if the amount needed in the palace is large. You are the order of the treasury personally granted by Your Majesty. You know how much money the treasury is. If you ask every concubine to supply perfume and soap, it would be a considerable expense."

Li Mu hurriedly said, "I am afraid. I have added the order to the treasury, but I have not added much input to the palace. I am really sorry for the expectations of Your Majesty and the Queen... This is better, I will give the Queen ten bottles of perfume and one hundred pieces of soap every month. I am considered to be filial to you. After I have been a clan, I am also considered to be the junior of Your Majesty and the Queen. I should respect you. I hope the Queen will not refuse. As for the others, I will calculate based on the cost price and I dare not make money in the palace. Please rest assured."

"Since that's the case, the palace will be disrespectful." Empress Changsun was an intelligent woman. She wanted to give the palace money, but she didn't want to owe Li Mu favors. Li Mu also understood what she meant, so she bought and got half a gift, which was exactly what she wanted.

Since we talked about the treasury, Li Mu, the treasury order, had to say something.

"Report to the Empress, I have come up with a good solution for the import of the treasury. Just as I was about to report to Your Majesty, I heard that the Empress has the name of "hidden minister in the palace". I want to tell you this method and ask the Empress to check it out to see if it is appropriate, so as not to make a joke in front of Your Majesty."

Empress Changsun smiled and said, "I am the queen. I only care about the affairs in the palace and the major affairs of the court. I should not interfere with it. You should wait for Your Majesty to go to Taiji Temple to tell Your Majesty. Don't mention the so-called "hidden appearance" and other words. I am just the queen and do not participate in the affairs of the court."

Li Mu hurriedly said, "The queen misunderstood what she meant. My intention was... it was not to Zhulu Hou to treat the queen, but to ask the aunt to give advice for the boy."

In fact, Li Mu's father was a few years older than Li Shimin. Although Li Mu's memory had almost no impression of his father, from the age of Li Mu's mother, Sun, one or two, it can be inferred from the age of Li Mu's mother, Sun. Sun was 36 years old this year, and Li Mu's father was at least 36 years old. Li Shimin was only 32 years old this year and should be called uncle and aunt, but the rules of the royal family were not considered this. Li Mu became a clan member, but Li Mu was considered a member of the Li family in Longxi from him. Before him, it depends on whether he had rejected favors. If he rejected favors and posthumously conferred titles to Li Mu's ancestors, it would be another way of calling him. Now, he can only call his uncle and aunt.

"Do you say this..." Empress Changsun hesitated for a moment and said, "If you say this, okay, let's talk about it."

"A few days ago, I received a two million yuan in the company's share subscription fee. Now it is all in the ice cellar of the Ministry of Industry. A department was established, called the "bank" to be responsible for the money. It is useless to keep the money in the ice cellar. But if it is misappropriated, I am afraid that the shareholders will not agree. Therefore, I thought of a way to use the money and add a lot of input to the treasury."

Empress Changsun heard Li Shimin talk about these things. Two million guan, even as the emperor and empress, was still salivating. Since Li Shimin ascended the throne, he has been a poor emperor, and there are many places to spend money, and it is not enough to spend it. If he had not agreed to Li Mu, he would have let him deal with it with it with all his power. Li Shimin would have spent all his money when he saw this two million guan.

Listening to Li Mu, there is a way to solve this problem with the best of both worlds. Empress Changsun was also curious about what method was and asked: "I wonder what good ideas do you have?"

Li Mu smiled and said, "Lend."

"Lend?" Empress Changsun was a little disappointed when she heard these two words. She thought that Li Mu's magicality could really come up with a good solution. However, she didn't expect it to be lending. She was a little unhappy, but she didn't say it directly and said tactfully: "Although this lending strategy can make profits, it is extremely harmful to the people. If you ask me what I mean, I don't agree."

The reason why Empress Changsun said this is related to the social environment of the Sui and Tang Dynasties. There was such a poem during the Tang Dynasty that describes lending.

Sell ​​new silk in February and get new valleys in May. The doctor gets sores in front of him, but the flesh in his heart is cut off.

It is well known that in February, silkworms have not been born yet, so where does the new silk come from? May Valley is not yet ripe, so where does the new grain come from? But there is no way, who owes you money?

Although the silkworm has not yet grown, it has already mortgaged the new silk that is about to be earned. Although the millet has not yet been harvested, it has become a thing in other people's warehouses. Therefore, this is called a doctor to get the sores in front of you and the flesh in your heart. There are also those usury lenders who are unwilling to pay the loan when they are not accepted. The borrower is forced to deal with the silkworms and rice seedlings at half price. If these are not enough, they have to distribute the loan from other places at higher interest rates to solve the urgent problem. As the saying goes, the one who sells it urgently and consumes half the straightforwardness, while the one who has no one seeks fake it and pays it twice.

This will form a vicious cycle, making the poor poorer, until they sell themselves as slaves or even commit suicide.

The reason for such extreme consequences is that the interest rate of loans is too high. As a form of business, lending has existed since ancient times. According to legend, the person who invented this method was Fan Li, the "Business Saint" who married the great beauty Xi Shi in the Spring and Autumn Period and helped King Goujian of Yue to revenge. Borrowing was divided into normal loans and usury. Fan Li did normal loans, the so-called eleven profit, which is one-tenth of the annual interest rate, exceeding this standard, which is usury. During the Sui and Tang Dynasties, both the private and the government were engaged in usury.

The Tang Dynasty's usury loans were divided into two types and pledge loans. The split is the credit loans of later generations, without mortgages, but they need to be guaranteed by the guarantor with the ability to repay. The pledge loan is a mortgage loan, which requires mortgages with the borrower's real estate or physical objects.

Compared with the Tang Dynasty, people who borrowed loans in later generations were happy. In later generations, the highest annual interest rate was only 5% or 6%. In the Tang Dynasty, the interest rate was terrible.

In order to get a loan, Li Mu went to the Ministry of Civil Affairs to check the files.

There were official loans in all dynasties. Although the court was very poor in the early Tang Dynasty, it also had an official loan institution, called the Gongshu. When Li Yuan ascended the throne and became emperor, the interest on the Gongshu was 100% of the interest. What is this? If you borrow 100,000 yuan and pay it back a year later, you will have to pay back 20,000 yuan! What is the difference between this and robbing money?

However, this is already the lowest interest rate for lending. Because private lending has higher interest rates! At least three times! That is, 300% interest!

When Li Mu saw these files, he thought the record was wrong, so he asked someone to ask, and it was actually 300% interest. The evidence was a murder case. A poor man from the surname Peng borrowed two stones of wheat from a rich man named Gao in May, and returned four stones in September. The rich man from the surname Gao also said that he owed money and wanted to catch his daughter to pay the debt, but was stabbed to death by a poor man named Peng.

The interest rate in four months is twice the capital, and the annual interest rate is as high as 300%, which is not enough. It can be seen how exaggerated the interest rate of private lending is. Private lending has such high interest rates and people's loans, because the public government has no money to lend. The Ministry of Civil Affairs is unable to make ends meet every year, so how can I release it?

Ironically, in the Tang Dynasty, the people who borrowed loans were basically poor. If they hadn't been able to maintain their lives, who would have borrowed money?

In the Tang Dynasty, once the people borrowed money, they would basically never turn over. Apart from selling their children, women, land, and slaves, they had to escape.

When Empress Changsun heard Li Mu say he wanted to lend money, she thought he had targeted the poor, so she naturally didn't feel happy.

Li Mu had done his homework and guessed that Empress Changsun would have reacted like this. She was calm and explained: "The queen misunderstood what I mean. The loan I mean was not to lend to the poor, but to a family, and at least it had to be a big family."

"Lend them?" Empress Changsun frowned and said, "These people are not short of money, how can they borrow?"

"Because the little money they have in hand cannot do, they must borrow money." Facing Empress Changsun, Li Mu did not dare to be too flirted with his appetite and quickly explained: "A few days ago, when the Tang Dynasty Salt Industry and the Tang Dynasty Mining Industry were established, I saw the enthusiasm of various families. Many people came to seek for the support of the ministers because they failed to invest and even robbed land with their heads. However, the shares were limited and I could not accommodate them, so I thought about whether I could come up with a way to help them."

"One day, when I was drowsy, I suddenly thought of a solution. The emergence of the Tang Dynasty's salt industry and the Tang Dynasty's mining industry will give birth to many industries. For example, coal mines, coal mines, must be transported to Dacheng for sale, and transportation requires carriages and horses. There may be dangers on the road and people need to be protected by organizing people. This problem arises. Those who want to do this business may not have that much money to turn over. Even if he is willing, he can only miss it. At this time, I came out to help them, lend them the money from the bank, let them do their business, and wait until they make a profit, and then return the money back. The famous minister has already thought that Your Majesty is the emperor. As Your Majesty's order, I am the envoy of the emperor. I come to invest on Your Majesty', and I call it "angel investment" appropriately."

Empress Changsun shook her head and said, "Li Mu, have you thought things simple? The interest rate for lending is so high, can that business be earned? I think you are going to make a mistake this time."
Chapter completed!