Seeing that Li Chen had indeed made up his mind, Xu Changqing breathed a sigh of relief.
Fortunately, I didn't raise any objection directly just now, otherwise I would be the only one who would be embarrassed.
But even so, Xu Changqing still said: "Why does Your Highness insist on opening a bank? Although the bank has a lot of money, it belongs to the depositors. As far as I know, those who open a bank will probably not make much profit, and they have to bear the responsibility of keeping the bank."
Risks, if you lose money or are stolen, these will be borne by the bank."
Xu Changqing didn't understand, but Li Chen knew it clearly.
What is a bank? That is a bank!
Banks can’t make money?
Isn't that a joke?
Although it seems that asking people to deposit money and pay interest to attract savings is a very loss-making thing.
But the bank can get huge cash flow. Although the bank is only responsible for safekeeping, once the people's money is deposited, it will not be withdrawn unless something big happens.
Then when the bank gets this large amount of cash flow, it can use the money to make money.
Such as borrowing.
Lending interest contains huge business opportunities.
This business is extremely difficult for others to do.
In the feudal era, there were not so many ways to find people.
But the imperial court was different.
The imperial court is in charge of household registration in the world. No matter where you go, there will be local officials.
Therefore, the banks opened by the imperial court were not afraid of the borrowers running away.
You can still run away if you owe money to an individual, but where can you run if you owe money to an official?
What's more, once a bank is set up, it will have another huge function, and that is bonds.
Issuing bonds in the name of the court allows the people to taste some sweetness first. As long as the court performs the contract several times according to the principal and interest payments, then no matter what the court wants to do in the future, there will be a steady stream of financial support from the private sector.
Thinking of this, Li Chen had completely made up his mind.
"Do you know the most profitable industries among the people?"
Hearing Li Chen's question, Xu Changqing was stunned for a moment and then replied: "Bortel and gambling house can be described as huge profits."
"Yes, these two businesses take advantage of the weaknesses of human nature. Needless to say, brothels will not be able to stop their business as long as men are not extinct."
"But no matter how short of money the imperial court is, it will not engage in this kind of flesh and blood business. Otherwise, I would not be scolded by those literati for thousands of years."
"As for this gambling house, one of the biggest sources of wealth is the commission. There must be a winner at every gambling table. As long as the winner is the winner, he has to hand over the commission. And on the gambling table where the gambling house is the banker, you can even use thousands of
They use other means to misappropriate gamblers’ gambling funds, but this is only one of them, the second source of wealth is borrowing.”
"The gambling house will provide loans to regular customers, and they will return home in nine times. The gambling house has thugs, and the people who lend money are all local familiar customers. They are not afraid of not getting the money back, and they can always make a lot of money.
, and this is relatively hidden, and only the gambling house owner himself knows the taste of it, it is a matter of making a fortune in silence."
"Although the imperial court cannot engage in flesh and blood business, it can lend money."
When Li Chen said his last words, Xu Changqing was completely stunned.
He couldn't figure out why His Highness the Prince knew so much about the brothel and gambling house business.
But this did not prevent him from being opened to a new world by Li Chen.
From being a capable official to being the Zuo Shilang of the Ministry of Household Affairs, he was only one step away from becoming the Minister of the Ministry of Household Affairs. Xu Changqing was definitely not a fool.
On the contrary, his mind is very flexible.
After Li Chen's reminder, he immediately realized that with the imperial court's unique advantages, this business could really bring a steady stream of wealth to the imperial court!
