Concubine Wu Hui finished speaking and looked at everyone's faces.
Queen Wang was at a loss, she didn't know what was going on inside, Gao Lishi was helpless, Li Longji opened his mouth slightly, Zhang Xiaobao and Wang Juan looked calm.
Because the two of them had long known that someone could think of this problem, the five baht money came out for this, and what else was there, and the money they had in Zimbabwe nearly a hundred years ago.
This time they did not answer the conversation, Li Longji shook his head and said: "Ai Concubine, no, if it is really to issue currency, it is tantamount to killing chickens and getting eggs. The more issued, the more expensive the price of the goods, unless it is our Datang When issuing currency, the court did not use it to buy things, but directly sent the money to every Datang person in a certain proportion.
And even in that case, the amount of money involved in trade contracts signed by some people in the past will also be unbalanced. If you think about one more thing, don't talk about it in the future. "
Concubine Wu Hui was silent now, lowered her head and continued to think.
Zhang Xiaobao and Wang Juan ate their own dumplings, but after Gao Lishi ate two, they wanted to figure out what else they could do. Seeing Zhang Xiaobao had almost eaten them, they were drinking soup there and asked:
"Xiaobao, since the goal cannot be achieved directly by issuing currency, is there any way to overcome this crisis without using your family and your majesty's money?"
"There are several kinds. One is that the bank borrows money from the underground bank. If the negotiation is good, you can even borrow the money at a very low interest rate. As long as you give the other party a promise, when the other party needs money, Datang Bank It also uses very low interest rates to fund it.
However, I do not agree with this approach. I am in charge now, and Datang Bank will not cause major problems for the time being. If one day I leave it alone, it is likely to cause a consequence, that is, Datang Bank clearly has money. Lending, but not letting go.
They lent the money to the underground bank at a higher interest rate than the normal lending, and then the underground bank took the money and loaned it to others at an interest rate several times that of the Datang Bank loan.
Capital is allowed to exist next year, but it is absolutely not allowed to exist in this unscrupulous form. Therefore, if the Datang Bank borrows from an underground bank, I don’t care if the interest is not good, but I don’t allow Datang Bank to be in charge of that place. Make any promises. "
Zhang Xiaobao suggested a way.
Wang Juan nodded next to her. She knew that this was a universal existence. No matter what kind of system, private capital could not be eliminated, because the banking industry was created because of the demand for private capital.
It is not an independent industry in itself. If it is truly independent, there will be no need for existence and the soil for survival will be lost.
And in some countries with individual systems, sometimes the country has to directly borrow from private capital, even in its own country, there is also the existence of national debt.
Li Longji and others listened and nodded slightly.
Concubine Wu Hui's eyes brightened, and she asked: "Then Xiaobao, according to you, if the private underground banks are united, they can directly attack the Datang Bank? They can deposit the money in the Datang Bank first. Inside, after waiting for Datang Bank to issue loans, they can run on it?"
"Yes, in theory this is the case, and such a situation can occur, and it can even drag a country into bankruptcy, but that is when other foreign capital enters, and the country’s own productivity cannot keep up. The reason.
A country does not seek fundamental development, but radically uses financial means to obtain more foreign currency support. If it wants to borrow chickens to lay eggs, the consequence is that the chickens are gone, the eggs are gone, and even the nest will be demolished.
After we have dealt with Jiangzhou this time, when Juanjuan and I go to the place where the Turks were originally located, I will let the money clear the way and go to other countries to stir up, give them a little sweetness first, and then put the money invested in the past. It will be easier when you draw them out and beat them again. "
Following this topic, Zhang Xiaobao explained in detail what he had said to Li Longji at the beginning, so that people could understand the matter more easily.
Wang Juan also said: "Not to mention a small country, even if it is a country larger than the Tang Dynasty, if the methods are used properly, it can also plunge the other party into an unimaginable crisis.
To deal with small countries, we only need to use economic sanctions. The premise is that when economic sanctions do not begin, we must let the other party form a close relationship with our economy, and we must also use necessary means to protect the other party’s The imbalance of economic system shocks.
Targeting agricultural products is the most effective method. For example, in the current Silla, Xiaobao has not used the last step of sanctions. It is to further wear down the other party’s unity of people. Otherwise, the other party will easily initiate war, even if it clearly knows that it cannot be defeated. There is also a battle.
But waiting for their popular support is gone, do they still need force? They planted a lot of cotton, and the cotton was not edible, so they stopped supplying grain, and then fostered a few forces within them and let them play for fun. "
Concubine Wu Hui has learned about this, so she agrees very much: "It is estimated that it will be about half a year later. At that time, the grain in summer is the harvest period. This palace is looking forward to the cuckoo, is there any means to make Datang Bank suffer the attack? ."
"Yes, Datang Bank borrows directly from the court. The court has money, or the bank itself issues bonds. If the sum of the two doesn't work, then take out the gold and silver and directly exchange it for the current popular banknotes.
This is also the reason why Little Treasure gets so much gold and silver and does not circulate it. Little Treasure is afraid that when he is in a hurry, someone will do bad things behind his back and he can't manage it. "
Wang Juan also mentioned two methods, both of which are commonly used methods, not to mention banks, even countries have used them.
Of course, she also knows that all the means are appearances in the end. The most important thing is whether the country uses political power, and whether the currency issued by the country itself does not match the actual resources and exceeds a certain ratio.
"Okay, okay, Concubine Hui, you have to eat first. There are many ways to do it. Just like a marching war, you have to change. You can't stick to the form. I also want to see how high waves can be caused by this run. Can Datang’s economic system be as strong as imagined?"
Seeing that Concubine Wu Hui still had to ask, Li Longji spoke out to discourage her.
Concubine Wu Hui realized that she had only eaten two dumplings and she was still hungry. Unfortunately, Xiaobao specially adjusted the stuffing and lowered her head to eat.
…
In the cabin, there was a calm appearance, but outside the cabin, Datang was eager to rain.
Since the telegraph device only reached the county level and not the village level yet, when the rumors appeared, they had not yet spread to the village.
Only when the state capital and the county seat are big places, can we hear the news that Datang Bank has no money for the first time.
It's a frying pan right now, and all parties have mixed reactions. The person most worried about is those who have a small amount of assets in the family, and then they are all stored in the bank waiting to be paid for the interest.
When they heard that the Datang Bank had no money, the first thing they thought of was to take their deposit certificates to get them for a try.
There is also a kind of people who are afraid that the world will not be chaotic. They not only take it by themselves, but also tell others that there is only this little money in the Datang Bank now, and the slowness of the withdrawal is gone.
The most emotionally stable are the merchants. The merchants who buy and sell are slightly larger. When they hear this rumor, they sneer. People who have not played the real game of Monopoly will never know the one who can make it to the top 100. They are amazing. If you don’t know how good they are, you can't imagine Zhang Xiaobao's methods above them.
The businessmen are very determined that Zhang Xiaobao is an undefeated existence, how could he cause Datang Bank to have problems? So most of these businessmen don't care about the nagging of the women at home. They are said to be annoyed and they have to use the family law, and can't take care of you
The merchants do not move, the impact on the bank is much smaller. The bank managers in various places send telegrams continuously, and they specifically go to the local big merchants to discuss things with them, and propose if they really can’t get the cash. To pay, then borrow part of the money from the other party in an emergency.
In addition to these two kinds of people, there is also a kind of person, that is, wealthy. There is really not much money in the family. If you say that you are not wealthy, you don't have enough money to eat, and you have a little savings in the money house.
This group of people belong to the most stratified people. They eat frugally and save the money they can make in the money house. This is to have confidence, at least in terms of life, no longer fear.
Many of them heard that Datang Bank had a problem due to the temporary loan of money. The most feared thing was that everyone went to withdraw the money, and then there was no money to take, and the money borrowed at the time was not returned. , The people in the family who can take charge all sighed, then took out the deposit certificate, read it again, and put it away in a different place.
"His father, Datang Bank is out of money. Now some people line up at the door of the Datang Bank on the road next to it to withdraw money. Where is our bankbook?"
In a craftsman's house, a man is processing wooden furniture. The rough prototype has been completed. Now he is using a carving knife to carve patterns on the furniture. A woman came in and shouted.
The movement of the man's hand kept moving, and he softly replied: "I see."
"Where is our passbook? Take it out quickly, and I will fetch it too. It will be too late if I don't go." The woman was very angry when she saw the man's appearance, and urged.
"No." The man replied.
"If you don't withdraw money, you'll be gone." The woman looked like she hated iron and steel.
The man's knife was still carved on the wood one by one. It was a cloud. It was not shaped, so the tone was random, but it was blowing like a wind.
"I'll take it myself." The woman hummed into the room, and after a while, she turned out again, her face obviously became very ugly, and asked: "Where is the passbook?"
"Take it away, there are still people who owe the money to the Datang Bank. I have not returned it now. Waiting to pay it back, the bank will have money again. What's the rush?"
The man said a few more words this time, but the carving knife still kept going.
"You prodigal man, do you come back? What if you collapse prematurely? All the hard-earned money is gone, you, you say, where did you put it?" The woman's eyes were round.
"I will give the money to the bank before we come back. Money, no more. When we buy this house, the bank is in charge of borrowing money. The bank collects interest on us? We are happy when people help us. They are in trouble now, you let me go. Falling into trouble? If I am this kind of person, I can be sorry for Datang Bank today, and tomorrow I can do things that are wrong for you."
The man finally stopped his hand movement, turned his head and shouted at the woman with staring eyes.
The woman wilted: "Then, is that money really unnecessary?"
"If you can come back, you will come back, if you don't come back, you don't need it. The baby doesn't need money to go to school, and we don't need money to see a doctor. I can still use these hands to let you eat."
The man said slowly, his tone firm.
"Daddy, mother, I'm back, mother, guess what happened to me today?" When the couple were talking, a little boy led a smaller girl and ran in. He shouted happily as soon as he entered the courtyard.
"What a good thing? The money at home is almost gone." The woman whispered again, and after being glared at by the man, she didn't dare to say more.
"It's Xiaobei, mother, Xiaobei, you know, it's the Datang inspector. She made a lot of money to build 4,000 places in our Datang. There is a baby candy shop in our county. I went to ask, and the worker said that there was a fun spot to be found next to him.
When the construction is completed, my sister and I will go to play, without a penny, and the little lame grandson picked up by the old lame family, I can go directly to that place to collect the money in the future, every month, if you are in poor health All children can go.
Also, mother, don't you have no work to do? I heard people say that there is a place where there is no need to pay, and there is no need to pay taxes. Then you can ask if you can add it in. "
The little boy said happily, the little girl wanted to interrupt but couldn't get in. She jumped beside her in a hurry, and then nodded.
When the woman heard this, she was stunned, and the man was equally stunned.
"His father, Datang Bank is in charge of Xiaobao, and Xiaobei is Xiaobao's younger sister, right? Did you say that he took out all the money to do this? You said they were true, bit by bit. Okay, why bother to make four thousand all at once? This... this..."
The woman also became anxious.
"Get a few, can it be our county's turn? Go, take out my Luanfeng screen, sell it, buy it at a cheaper price, and sell it for ten thousand dollars. Don't wait for it to be expensive. After you buy the money, take it. Deposit at the bank."
The man dropped a word and turned around to continue carving.
The woman stood there with her hands twisting the hem of her clothes for a moment, and gritted her teeth: "Baby, go with your mother to get the screen. The Datang Bank can't fall, neither can the Zhang family's family fall.”
"Hey... just go." The little boy agreed and ran to the storeroom with his mother.
Like this family, it is not only the family that chooses, but many people are also doing what they think they should do.
As a result, different scenes appeared at the gates of various places in the Datang Bank. Some people lined up to withdraw money, while others lined up to deposit money, constantly passing by like clouds.