During the run, Zhang Xiaobao didn't spend much energy at all, so he calmed down the emotions of his younger siblings, but gained the hearts of countless supporters.
Xiaobei and others recovered quickly. They helped others to catch fish for the whole afternoon. The dozen or so children who skipped class to catch fish on the boat saved a lot of money in the Datang Bank. Naturally, their parents helped save it. , Their business has not yet started.
The children didn't know the identity of Xiaobei and others until Xiaobei and others left by boat and continued southward in the evening.
Standing by the river one by one, looking at the ship's shadow in the distance, and watching the sun slowly setting west like an egg yolk, dyeing the sky red, there was peace in my heart.
Waiting for the call from the shopkeeper of the restaurant who invited them to eat, he smiled happily again, forgetting his fatigue, and leaping towards the restaurant.
The children catching fish are happy. Compared to seeing Xiaobei and others, how much money the bank has saved is not that important. After many years, they can proudly talk about today's things to their children and grandchildren.
Also happy was a part of the crowd at noon the next day.
Just after noon the next day, the various branches of the Datang Bank, at the moment they opened in the afternoon, piled bundles of Datang banknotes on the counter of the bank at the same time.
The face value is different from ten to five hundred, and the colors are colorful, so that people who want to withdraw and save money will make a similar expression after seeing it, which is shocking.
Immediately, annoyed voices and happy shouts echoed one after another in the money house.
The bank also put up a public notice board at this time, the blackboard painted in ink, and the white chalk characters are very eye-catching.
"Uncle of the Zhang family, you can read, help see, what did you write? My kid has gone to school, otherwise he can just read it."
A woman who saves money does not recognize the words on the blackboard, and asks the person next to who wants to withdraw the money. She does not show any illiterate shame on her face. Instead, she emphasizes her son with a hint of pride. the meaning of.
The person called Zhang’s little uncle knows why she is like this, because her son has been ranked first in the school for three consecutive quarters of exams. The reward alone is enough to support two people in her family, except for the symbolic directness. Monetary rewards, there are two kinds of oil, cloth, rice, meat and vegetables, and even four cuts of pork before the Chinese New Year.
Having such a child is something that every adult should be proud of. The children are happy to learn, the businessmen are happy with the awards, and the adults are happier eating what the children get.
It’s just that this little uncle himself couldn’t be happy. He had already withdrawn all the money yesterday, but he couldn’t find the passbook for today. When he got up in the morning, he scolded his wife for a while, and then went through the cabinet. In the morning, the passbook was taken out from the cracks in the mattress.
When the Datang Bank opened in the afternoon, he hurried over by himself, never thinking that sometimes the gap between fact and imagination is too big.
The announcement in white on a black background and colorful coins made him wish he could find a place to sew in and go back to yesterday.
"Uncle Zhang, what did you write?" The woman continued to ask. She also saw that the other person's expression was a little wrong, but she couldn't think of the specific reason. She could only guess that the words written on the blackboard were not too good for the person who wanted to withdraw money. good.
The uncle Zhang family held the passbook tightly in his hand, seeing the passbook change its shape, but didn't know it, and said to the woman stupidly:
"I finally know the strength of Datang Bank, Zhang Xiaobao, Zhang Xiaobao will always be Zhang Xiaobao, but unfortunately I don't have any regret medicine. I wrote it on it, I wrote it."
The woman was a little frightened. What she said was too scary. It looked like she was looking for life and death, so she didn't say anything.
A woman next to her who also saved money pulled her and said: "His sister, let me tell you what you wrote. That girl from my family usually goes home and always teaches me how to read as a mother. It happens. I can recognize the word. ."
"Say, sister." The woman is more envious of people's literacy: "When my baby comes back today, I will let him teach me."
"Okay, I know that your kid is studying well. My girl always envied him every time she talks about him. Someday let my girl go to your place to help and do things, you also see if the water is good or not, you The kid at home is pretty good when I look at it.
Oh, let’s not talk about this. What is written is that Datang Bank announced today that banks in various places have used secondary currency reserves, totaling 100 million coins. People who withdraw money don’t have to worry about it, and don’t be crowded. After that, there will be a first-level reserve of 200 million yuan which will be released later.
As long as you want to withdraw money, you don't have to worry about not getting it, and the people in the bank don't rest until you are in business. Look, sister, there are five hundred coins in the pile of money. Even if the merchant comes to get it, you are still not afraid. "
The literate woman first had a posture to sell her daughter to the past, and then she spoke the words on the blackboard.
Hearing what she said, the woman who asked the question smiled: "The Datang Bank seems to be really rich. My head and I were worried that the money would not be enough and eventually collapsed. It's all right now, but what does the uncle of Zhang's family look like? Not happy? I can get the money."
"His sister, it was because he saw another content. Datang Bank said that they are not short of money, but in less than two days, they have reaped something more precious than money.
Therefore, there was a repaying activity that started from yesterday morning until noon today, that is, during the time when business is closed in the morning, all those who save money during that time will receive four times the original interest. calculate.
All the people who did not withdraw their money during that period of time will be calculated based on the time they deposited the money, and the interest will be doubled. Yesterday, I saved forty-five times. In a little more than three years, it will become Ninety Guan. "
The time the literate woman spoke, she got excited, calculated the interest, and came to a conclusion.
"Really? I saved thirty-two pens yesterday, and I just made up three pens today. It's a pity that it's too late to save. If you come in the morning, it will be a lot more, sister, what if you save now?"
As soon as the woman heard the four times the interest, she was afraid that it would be the scene, and she twisted her arm vigorously with her hand. She was relieved until she felt the pain.
Then he asked, "Is there no more than four times the savings now?"
"It's not more than four times longer. Datang Bank adjusted the new interest rate. Now when you save money, you can only get 70% of the previous interest, which is a 30% drop. Then those who started withdrawing money yesterday lost a lot.
Sister, think about it, they take the money out, and they won't spend it immediately. What's the use of keeping it in their hands? I want to deposit it in the bank again, one out and one in, but at least the ones who accompany you... at least how many times? Oops, it's not easy to calculate, anyway, it is more than four times. "
When the literate woman spoke, she looked at the little uncle of the Zhang family, and there was a sense of gloating in her words.
The face of this little uncle is green. He calculated that the biggest loss will be nearly six times that of the depositor when it comes in and out. It will take 20 years to save money now and want to double it.
What he wants to do most is to smash the Datang Bank, which is too bullying. It's normal to save and withdraw money. Why do you benefit because someone else saves it, and you lose if you withdraw it? What if I withdrew money in a hurry
Of course, thoughts are thoughts after all. He didn't dare to smash the Datang Bank, and he didn't even dare to say a nasty thing to others. He knew very well who was behind the Datang Bank.
"I'm a fool, and Zhang Xiaobao is in charge of the Datang Bank. How can he let people get the money out of the bank? His family has billions of dollars, and I am blinded by pork."
He thought about it, squatting down annoyedly, pulling his hair vigorously with his hands.
The same people who wanted to withdraw money, as well as those who were going through the procedures at the counter, stopped moving when they heard this.
"This guest officer, your money, a total of seventy-one pens and two hundred and fifty-one pens, please count them and collect them." A person handling the withdrawal business put a passbook and different amounts of money at the counter. On the top, there is still a penny coin in it, and said to the person who was stunned there.
"Ah? Take it out? I don't take it, why are you moving so fast? I don't take it, can't it be done if I don't take it?" This person was even more stupid.
The salesman shook his head lightly, gave the other party an apologetic smile, and said: "The procedures have been completed. If you feel that you don't need too much money for the time being, you can deposit it again."
"How about the interest? Is it still doubled?" the man asked with staring eyes.
"Because the bank has re-adjusted the deposit interest rate, if you deposit now, you can only calculate it at the original 70%. You..."
"I was wrong. I knew it was wrong. I don’t dare to do it anymore. From now on, Datang Bank said that it’s going to be pornographic. I won’t withdraw any money. Give me a chance. My money was deposited in January last year. After depositing for more than a year, the double interest is equivalent to depositing for two and a half years.
You give your manager a good talk, just say that I don't take it, and still calculate according to the previous calculation, will it be successful? Even if it’s less, it doesn’t need to be doubled, I will do it at 50%, this little lady, you help me, who still has no trouble? You help me once, and I will repay you well. "
The people who withdrew the money were crying, lying on the counter, with a weak look, begging the salesman.
Before the salesman smiled and refused again, the man next to him who wanted to save money, and there was no greasy man on his body, took the conversation, and shouted to the person who was lying on the counter who was struggling to leave:
"Hey, I said you sell pancakes and fruits, you are shameless, I know you, last time you wanted to make a useful tool for pancakes and fruits, I wanted to borrow money to collect pigs, we came here together , The bank has seen our household registration, and the money borrowed together is interest-free.
What were you talking about? You said that if you remember this grace, you will be rewarded in the future. Just like that? You still have the face to say, "Who has no trouble"? If you have a problem, people will help you. If you have a problem, you want to make it worse.
There is no medicine for him to regret in this world. Now that you know that Zhang Xiaobao is great, why don't you know how to cross the bridge between Zhang and Wang's family? It's called a thought of heaven and hell. The road is yours. Who do you blame? Get the money and get out, then dare to slap me and slap you. "
"I was wrong, I really won't take it anymore, I was wrong..." The man continued to mumble as if he hadn't heard it.
The salesman shook his head helplessly, glanced at the guard next to him, and immediately two guards came over and put him aside to find the doctor.
"Next one." The salesman's voice was as good as ever.
The second person who wants to withdraw money does not move forward, his head shakes like a rattle: "If I don't withdraw money, I just look at it, yes, I went in the wrong place, what am I going to do today? Oops, there are so many things, and I am busy, oh, remembering, I am going to buy cloth, yes, buy cloth, without delaying your work, go first, go."
After speaking, he turned and left.
The third person didn't even say a word, bowed his head and followed.
In just a few dozen interest rates, the group of people who wanted to withdraw all disappeared. Thanks to the spacious door, otherwise they would have to be squeezed to death.
"Bah! It deserves it. I should say it. I should wait until tomorrow night. Then I will post the notice and let them take it. I can take out all the money. I can save an extra copy and add some interest. Seventy percent, come, save for me, seventy percent, and you won’t get a penny in your hand."
A person standing at the money deposit counter looked at the person who was leaving, took a sip with disdain, and pushed the money over.
Such a situation was staged in different places. While countless people of Tang Dynasty felt the warmth and coldness of the world, they had to ask themselves what they thought at the moment they made a choice.
…
Zhang Xiaobao didn't care about other people's thoughts at all. Anyway, if he did what he should do, he would report grievances directly and repay with virtue.
"I am a saint now, and that's what saints do. With this incident, I will really encounter trouble next time. Do you still dare to get into trouble?"
Zhang Xiaobao was talking to Wang Juan holding the wine, but listening to what he meant made people feel that he was giving himself an excuse to act.
Wang Juan was still doing her embroidery, raised his head when he heard the words, and said: "There will be many people sad. If someone wants to commit suicide, don't you feel responsible?"
"What are you talking about? They should not be sad, I should be sad, I have a back hand, if not prepared? Where can the Datang Bank go? Although it is impossible to close down due to a run, it will allow Many people questioned.
The only way is to not handle the business of withdrawing money to others, and the credibility will plummet. What is lost is not only the credibility of the bank, but also the court and our family. In the future, I will not be as effective as it is now.
suicide? I don't believe that someone will commit suicide because the interest is low, and there is no shortage of capital? If someone commits suicide if the interest rate is lowered once, how many people can you say
I have heard of people who fail to commit suicide when playing stocks, futures, and gambling. I have never heard of people who don’t live without interest on deposits. Besides, I don’t care if someone commits suicide because of this. If Datang Bank fails, I will commit suicide. , How many people who withdraw money will pity me? "
Zhang Xiaobao looked very angry at me.
Wang Juan sighed and said nothing. She also understood that Zhang Xiaobao was right. Many people who went to the run would not have much reaction even if they really broke the Datang Bank and then knew that Zhang Xiaobao had committed suicide. .
There are even people who can gloat over misfortunes, and occasionally have their leisure time with others. Once there was a person who stood on the altar fell like this, and that was beyond the top list of Monopoly.
This is the indifference to life, the special excitement of others after coming down from a high position.
Thinking of this, Wang Juan was a little sad. He and Xiaobao did a lot of things for Datang, but as a result, when Datang Bank was in crisis, many people were still unwilling to stay with them.
"Foolishness, no matter how you are educated, people who should be stupid will still be stupid. They may never have thought about it. If the Datang Bank is gone and you are finished with Zhang Xiaobao, what will Datang look like
They may think that as long as they have money and the money is in their hands, they don't need to be afraid of anything. It seems that they need to be taught more about politics and economy in the future, Xiaobao, don't you think? "
Wang Juan asked Zhang Xiaobao.
Zhang Xiaobao nodded: "Indeed, at least let them know that money is not useful if you hold it in your hands, let alone paper money, even if it is gold and silver piled at home, politically unstable, they have no good life.
The current salt tax, we have been controlling with Li Longji, is very low, and there has not been a situation where people spend a lot of money to eat salt, and the merger of land has also been checked.
Otherwise, even if they have ten thousand ounces of gold in their family, they are just a fate of being snatched away. These silly things, short-sighted, dare to question me, runs, runs, does this trick work for me? "
"Okay, know what you can do, do your thing, don't disturb me." Wang Juan smiled and said to Zhang Xiaobao, and then lowered his head to embroider her flowers.
But she couldn't calm down in her heart. She discovered that because of the strength of her and Xiaobao, Datang can only function normally now. If the two of them suddenly let go, each stall will become a sweet potato and be scrambled by countless people. .
In that case, it would be better if she and Xiaobao are not strong now, and let everything return to the trajectory that Datang should follow, even if there are problems, they can hold on for more than a few decades.
But what the two of them must do now is to gradually improve Datang’s system so that people get used to living and doing things under the system. When the time comes, even if the two of them really let go, there will be no trouble in Datang, because people Has developed the habit of proceeding in accordance with the system.
It’s just that this system is too difficult. The emperor must ensure that it does not want to change, but that it cannot be changed immediately. That requires the development level of production technology and productivity to reach a certain level, and the knowledge and culture of the people must reach the point where they have to be changed. Row.
The process for every imperial power to become democratic as in the West is a long one. If you want to change within a few decades, both internal and external forces must have a very large investment, which is simply impossible at the moment.
"Wait, wait until future generations to do it, then see which system is good, use which one, or figure out a new system. Under the framework of constitutional monarchy, part of the power of the monarch is retained, and in democracy Wandering between undemocratic and non-democratic."
Wang Juan said something again.
Zhang Xiaobao put down his pen and said helplessly: "You embroider your flowers well, and what do you study this for? The system has only adaptability, not absoluteness. It is correct to adopt different systems according to different social environments and needs.
The system cannot be put in the first place. What needs to be put first is the needs of social group life. The system can be changed, but the goal of survival cannot be changed, that is, to live and to live a better life. "
"What is alive and dead? Tell me, I am very happy today. The situation has been passed down one after another. Let those disobedient people know that they have to protect my Datang together. Yes, they can live well."
As soon as Zhang Xiaobao's voice fell, Li Longji's voice came over, and he himself appeared at the door of the cabin.
Wang Juan continued to lower his head to embroider, and Zhang Xiaobao wrote again. The two of them didn't seem to see Li Longji's arrival. In fact, they had heard Li Longji's footsteps just now, and Zhang Xiaobao's words were deliberately told to him.
Seeing that there was no movement between the two, Li Longji was not annoyed, and continued: "Xiaobao, you said that after the interest on the deposit is adjusted, the interest on the loan is not adjusted? Will it be adjusted back in the future?"
"Why is this kind of problem again?" Zhang Xiaobao raised his head and said with a sigh.
"I don't care about this issue, what do I care about? To adjust or not to adjust, give me a word." Li Longji stared.
"Adjusted, deposit interest will be lowered, and loan interest will of course be lowered. If it is not adjusted, wouldn't people who want loans go to the private sector to borrow? It will cause abnormal concentration of capital.
In fact, I was thinking about lowering the interest rate, but I just waited for a suitable time. It happened that when Xiaobei and the others retaliated against the bank manager, I did it together, otherwise..."
"Otherwise, how can you not fight other propaganda wars and stop Xiaobei and the others? Now you are taking advantage of it. You have gained part of the people's heart, warned some people, and strengthened the presence of Datang Bank in the people. Position in the mind.
At the same time, you have also completed the plan to lower the interest rate. You say you, what do you want me to say about you? You even have to take advantage of Xiaobei, your brother is too unqualified. "
Li Longji exaggerated Xiaobao first, and then he was killed.
Zhang Xiaobao didn’t care, and said, “It was Beckham and they helped us. Without this incident, I still wouldn’t know the general state of the people’s sentiments. From now on, we don’t have to worry about the internal invasion of Datang. There is a big mess.
Lowering the interest rate can accomplish two things. One is to promote consumption. When the people find that the interest is low, they will be willing to buy something. But we must control the price of goods. It is prone to increase the price of some commodities in a short period of time. Many situations.
The second purpose is to allow people with ideas in their minds to borrow more when the bank loan interest rate drops, and then use them to develop their own industries, starting from a small scale, studying production technology and perfecting management models, thereby improving production efficiency and creating More material resources.
But the same must be controlled. It cannot be an industry based on enclosing other people's land, and it cannot be based on a development model based on the exploitation of Datang’s inherent non-renewable resources.
The best result is that they followed in the footsteps of the Datang army, went outside to plunder, produced locally, and then transported it back to my Datang for use by the people of Datang. "
"It is used by a part of the people of Datang. You shouldn't care about the kind of runs." Li Longji nodded and said.
Zhang Xiaobao was amused by Li Longji's words, and Wang Juan didn't dare to continue embroidering for fear of getting his hands.
After stopping, Wang Juan said to Li Longji: "Your Majesty, you are the emperor. You can't compare this strength with the people. If the people are not good, then it means that you, the emperor, are not good enough. Put the blame on the people?"
"That is, how cute the people are. The occurrence of the money house can only show that our work is not in place. I believe that if we do not change our hearts and efforts towards the people, one day, I will The people of Datang will be very calm when faced with this incident again.
Some people went to withdraw money, not for a run. It was because he himself just caught up with the need for money. Someone went to save money, not to protect the Datang Bank. It was because they felt that keeping the earned money in their hands would depreciate the value. "
Zhang Xiaobao followed.
"In that case, I still have something wrong? How long will it take to teach you to reach the level of what you two say?" Li Longji said quietly, feeling very uncomfortable in his heart. When the run came out, he felt that he had been affected a lot. People betrayed, it's hard to understand.
"It won't take too long. There is a run now, but if someone says that the people in a certain place will rebel, it is impossible for the people to follow him.
Maintaining the governance of officials, ensuring the development of productivity, accelerating the education of knowledge, and consolidating Datang’s external military and economic advantages, at most ten years, the situation we want can appear. Of course, never think about making every 100 The surnames are all obedient, but there will be very few disobedient people at that time. Whoever is disobedient can just clean up.
Enze can't do it, we still have reason, law and punishment. If we do both, the society will be stabilized. Why haven't the statistics come out yet? Let me wait. "
Zhang Xiaobao looked at the door from time to time while comforting Li Longji.
"What data are you waiting for?" Li Longji also turned to look at the door and asked.
"The bank's data can't be revealed for nothing. I have to find out where the situation is special and come." Zhang Xiaobao's speech stopped at this point.
Sure enough, at about five breaths, the people in the inner courtyard appeared outside, looked inside, stepped forward, and said to Zhang Xiaobao and Wang Juan: "Little son, little lady, the statistics have just been completed, and they are not complete. Part of it has to be done at night, you two, please have a look."
"Not busy, tell me, what's the situation?" Zhang Xiaobao motioned to the inner courtyard to introduce.
"Yes, after the run on the Datang Bank, from yesterday morning until noon, a total of more than 43.2 million tans were paid out, and more than 36.1 million tans were stored at the same time. The impact was not significant.
Expenditure in various places varies according to the degree of prosperity, and basically conforms to the law. The only problem is Jiangnanxidao. From yesterday morning to noon, the entire Jiangnanxidao has spent an unreasonable amount of seven million yuan, and there are other places. People transfer money to the bank there, it is estimated that the intention is to withdraw cash from the Jiangnan Xidao bank.
My bank system has just reacted. The bank urgently transferred cash from the neighboring bank to the bank on Jiangnanxi Road. The team that transported the currency has already set off under the protection of layers. "
The inner courtyard introduced.