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Text Chapter 142 Robbing a bank?

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    As soon as the guy who shouted finished his words, he was immediately beaten by Cheng Huailiang, Li Yong and others. They were beating and scolding: "Asshole, my Tang Dynasty has a great army, how can it be that I can't defeat a small Gaochang?"

    Although it was said that Cheng Huailiang and Li Yong were just joking when they hit people, everyone in the field looked down upon the guys walking next to each other. Even the big businessmen at the back secretly showed mocking eyes.  Since the founding of the Tang Dynasty, it has almost swept the world and suppressed the internal wars in the Central Plains. In subsequent external wars, it has been victorious in every battle. Tuyuhun, Turks, Goguryeo and even Tubo were all defeated by the Iron Hoof of the Tang Dynasty.  under.  None of these countries is much stronger than the small Gaochang. Even if there is a Western Turk next to it, in the eyes of the Tang people, the Western Turk is just a sick man lingering and is not worth mentioning at all.

    A series of victories have already made the Tang Dynasty's army the myth of invincibility in the hearts of the people. Therefore, as long as the Tang Dynasty sends troops, almost everyone has already concluded that victory is certain. The only difference lies in the length of the war and the number of casualties.  Just how much.

    Because of this confidence, someone in the audience stood up and shouted: "Your Highness, although Qian is just a businessman, he also has a heart for the country and the people. Since the imperial court has agreed to buy and sell the land of Gaochang State, the villain  Even if they lose all their money, they are still willing to support the imperial court¡¯s measures, so ordinary people are willing to pay 100,000 guan to subscribe for 1,000 100-guan land coupons!¡±

    Li Min knew the person who stood up to speak. His name was Qian Gui. He was a businessman who actively supported the development of industry and commerce, and was also his die-hard supporter.  Now, with his strong net worth, he has opened several large-scale textile factories, and also serves as the vice president of the Textile Industry Association. His prestige among businessmen is only lower than that of Wang Zihao.

    Hearing that Qian Gui suddenly took out one hundred thousand guan, everyone took a breath. This is not a small amount. In the past, someone with a million guan could be called a wealthy businessman.  Nowadays, with the development of industry and commerce, there are more and more people with tens of thousands of dollars, but only those who can spend one hundred thousand dollars at once.  But it is rare in Chang'an.

    With Qian Gui taking the lead, others are naturally not far behind, but compared to Qian Gui's rich net worth.  Very few people can spend 100,000 guan at once. Even the upstarts from aristocratic families such as Cheng Huailiang and Yan Bei can only spend 50,000 guan.  This is not to say that their financial resources are not as valuable as Qian's. On the contrary, the financial resources owned by the family behind them are more than ten times more expensive than Qian's. It's just that as the younger members of the family, Cheng Huailiang and the others only have so much money to spend at one time.  More, if they can persuade the elders in the clan after they return.  Only then will the real financial resources of their clan be used.

    The atmosphere for buying land coupons was very lively. Even the man who was beaten bought 30,000 yuan of land coupons. As the initiator, Li Min was naturally unwilling to lag behind others.  A huge sum of 150,000 guan was spent at once, and a total of 54 people attended the meeting. According to the final statistics, a total of 2.23 million guan in land coupons were purchased.

    That night, when Li Min entered the palace late at night and told Li Shimin the good news, the emperor jumped up with joy.  After turning around a few times, he grabbed Li Min's shoulders again and asked three or four times in a row. When he was finally sure that he heard correctly, he sat down on the chair and muttered to himself, with a look of disbelief on his face.

    In fact, it is no wonder that Li Shimin was so excited, because during the battle to destroy Goguryeo, the total expenditure of the Tang Dynasty was only 1.8 million guan, and even including the pension for the dead soldiers, it was just over 2 million guan.  But now he just asked Li Min to buy some land in Gaochang in advance, and he raised more than two million guan at once. This money was enough to not only attack Gaochang, but also destroy the Western Turks. After all, the Turks were not like  Goguryeo didn't have that many cities to defend. As long as the opponent's spirit was defeated, victory was almost guaranteed.

    Seeing that Li Shimin was so happy that he couldn't even find Bei, Li Min curled his lips and secretly laughed at Li Shimin who had never seen the world. Raising money from Cheng Hualiang and the others was only the first step for him to issue land certificates, and it was also the preliminary preparation for fundraising.  , the real beginning comes later.

    After Li Shimin's excitement subsided, Li Min originally wanted to talk about his next plan, but Li Shimin waved his hand and said with trust: "Liu Lang, feel free to use whatever means you have. Although you have enough money for the war now,  But everyone in the imperial court is spending money, so it would be easier for them to have more fathers and prime ministers!"

    "Father, don't worry. I will do my best to arouse the war enthusiasm of the people of the Tang Dynasty. With the financial resources of the whole country, we will definitely eliminate the threat of Xichang and the Turks!" Li Min also said with a firm face.

    That night, Li Min stayed up all night, which was very rare. Wen'er and Hua'er were even more surprised to find that their prince had been writing all night. After serving Li Min for two years, this was the first time they noticed that he was so diligent.  , even Wen Xin was startled in the end, and got up in the middle of the nightI came to make a simple midnight snack for my husband, and asked him with concern if he had been stimulated in any way.  Li Min didn't know whether to laugh or cry. He explained for a long time before letting Wen Xin fall asleep again.

    As soon as the newspaper office went to work the next day, Li Min rushed into Yan Bei's office, handed him the article he had been working on for most of the night, and told him to put it on the front page.  When Yan Bei saw the report sent by Li Min, he was also very surprised. He didn't understand what he was going to do. Just when he was about to ask, Li Min left in a hurry, so he had no choice but to do as he was told.

    After Li Min left the newspaper office, he did not return to the palace. Instead, he went to the Dengxian Tower, had some breakfast, and then went to the Datang Bank diagonally opposite the Dengxian Tower.  The so-called Datang Bank was formerly the Dengzhou Bank created by Xijun to meet the needs on the battlefield of Goguryeo.

    At that time, many soldiers deposited their money in this bank, and a large part of the soldiers who participated in the war were transferred from Guanzhong. Therefore, in order to facilitate the soldiers to withdraw money, Xijun set up a branch in Chang'an.  With the development of business, people are paying more and more attention to the role of banks, and the name Dengzhou Bank seems a bit narrow, so some time ago it was renamed Datang Bank, and the headquarters of Dengzhou was moved to Chang'an, and  Some time ago, advertisements were placed in the Industrial and Commercial Newspaper and Datang Daily.

    The bank was originally founded by Xijun, but because she was pregnant, Li Min naturally would not let her worry about these things anymore. Wang Zihao felt sorry for his daughter and unborn grandson, and took the initiative to take charge of the daily management of Datang Bank.  , although there are many businesses that he is not familiar with, but with his many years of business experience, it is not difficult to deal with them.

    The headquarters of Chang'an Bank is a three-story high-rise building, still mainly made of wooden structure. Li Min is very dissatisfied with this, so on the open space next to this high-rise building, a headquarters building of Datang Bank is being built. This building  The architectural style is still dominated by the style of the Tang Dynasty, but the main structure has all become reinforced concrete. After all, the height of the building is set at four floors. If steel bars are not used, concrete alone cannot support it. Fortunately, the current production of steel  With the big increase, and Li Min's status, it is not difficult to get a batch of steel bars. Of course, Li Min did not forget to build a huge and strong vault under the building, and the surrounding walls were poured with bare concrete.  On the third floor, even if you use gunpowder to blow it up, it probably won't have much effect.

    Although the current Datang Bank is only one building, it has three gates below, each with several tall counters, the same style as those in the pawn shop.  The reason why three doors are opened is to correspond to the three main businesses of the current bank.

    The first two businesses are naturally the most basic functions of banks, which are depositing and withdrawing money.  As banks gained a good reputation on the battlefield of Goguryeo, more and more soldiers and generals were willing to deposit their military pay in banks. This eliminated the trouble of safekeeping, and secondly, they could use it when they had no cash in hand.  Avoid using the money around you to drink or gamble just because they are hot-headed.

    It was precisely the good reputation established in the army first, coupled with Li Min's great efforts to publicize it in newspapers afterwards, that more and more civilians accepted the new thing of banks and were willing to use their money to  The remaining money is deposited in the bank.  The only difference from later generations is that the interest rate of Datang Bank is extremely low. If you keep money for several years, you may end up with only a few pennies in interest. The reason for this situation is still related to the underdeveloped loan business.

    The third door under Datang Bank is the corresponding loan business. However, due to the risk of loans, the business scope of loans is not wide now. If ordinary businessmen have difficulty in capital turnover and want loans, they must find an industry in their own industry.  Association, and this association must also be recognized by the bank, and then the association will act as a guarantee, and then go through a series of complicated procedures before it can get the loan applied for.

    Precisely because the loan conditions are too harsh, although the interest rates for bank loans are very low, not many people can get loans, and the loan business is naturally affected.  However, there is nothing that can be done about it. The money in the bank belongs to others. If it is released and cannot be recovered, it will not only affect the reputation of the bank, but may even cause the nascent banking industry to die prematurely. Therefore, the early stage of business should be cautious and prudent.  host.

    Li Min bypassed the crowds queuing up in front of the three gates. Just as he was about to enter through the small door next to it that was only for internal staff to enter and exit, he suddenly heard a loud noise coming from the middle gate for withdrawing money.  , before he could understand what was going on, he heard another ping-ping-ping-pong-pong sound inside, and then a figure rushed out of the door and ran ten meters away in the blink of an eye.

    "Robbing robbing a bank?" Li Min was stunned. He didn't expect that something he had never encountered in his previous life would actually be witnessed in this era of the Tang Dynasty.

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