Yuchi Chifan's stomach is not up to par, so Li Xingchen also needs to recruit Yuchizhen to stabilize the hearts of the Yuchi family, Yuan family, Changsun family and other Xianbei families. Since these Xianbei families have tied their fate to the big man, Li Xingchen naturally cannot treat him badly.
them.
Of course, Yu Chizhen now follows Li Xingchen like Li Xingchen's little follower, actually acting as a clerk. Most of Li Xingchen's clerical work is handled by the secretary, and the previous secretary Qin Sizu has been sent out.
, the current new secretary-supervisor is Bao Xing, last year’s new star prospect.
However, Bao Xing was left by Li Xingchen in Jiankang Mansion to handle the task of sorting and transporting memorials. After all, there were so many memorials, and it was impossible for Li Xingchen in the north to process all the memorials. Only some important ones were selected by the secretary for transportation.
to the north.
Of course, as a supervision and guarantee, the titles of the other memorials will also be copied and given to Li Xinchen for reading. In addition, the Yushitai will randomly check the memorials at regular intervals to prevent anyone in the secretary's prison or the Zhongshu Province from using power for personal gain.
Some important memorials were covered up.
Now Bao Xing is still on the way from Jiankang Mansion, so Li Xingchen doesn't have a capable person around him to sort out the documents. This matter naturally falls on Yuchizhen, and Yuan Lexhang and others are also happy to do this.
, His Majesty has someone watching by his side, so they can rest assured that they can go out and do their own things.
Yuchi Zhenzheng looked around curiously. The markets in Luoyang City were far less prosperous and lively than those in Jiankang Prefecture. Even many merchants only started to enter Luoyang after the Han invaded, so the streets looked a bit messy and there were many ruins.
None of them have been cleaned, but precisely because most of the shops have been renovated and just opened, they all look vibrant.
This ancient capital city is glowing with new vitality under the red flag of the Han Dynasty.
Hearing Li Xingchen's question, Yu Chizhen trembled, frowned slightly, and thought for a while: "It seems that the interest rate on deposits at Southern Bank is not lower than that at Northern Bank, but the interest rate on sub-money, that is, loans, is also much lower.
"
Li Xingchen nodded, he also discovered this problem, which means that the deposit interest rate of the bank here is much lower than the loan interest rate. In other words, these guys are making loan sharks, although the interest rate is not high enough to compound interest.
, will soon reach the point of despair, but it must not be underestimated. You must know that the current consumption level in the north is not as good as that of the economically developed south. It is also a time when everything is in need of improvement, and people have more places to spend their money.
, and their family wealth is often not rich. If they are deceived into taking out a loan by a bank at this time, it is likely to put pressure on their lives in the future.
The emergence of house slaves in this era is really terrible.
Unexpectedly, this little girl Yu Chizhen still has some abilities. After Li Xingchen entered the bank, he didn't just ask these two questions directly. He also carefully asked many questions about service, which even caused some store clerks to really think that they were here today.
He married a God of Wealth, and Yu Chizhen was able to keenly sense Li Xingchen's intentions, which is quite good.
Li Xingchen didn't know that Yu Chizhen had followed Yuchi Chifan in taking charge of the inner government a few years ago. She was not a newbie when it came to money. She even knew the financial flow of the inner government better than Li Xingchen.
However, Yu Chizhen knew her identity and would never show it off in front of Li Xingchen.
Li Xingchen walked into a street tea shop and ordered three bowls of tea and a few snacks. Li Ping wanted to stand next to Li Xingchen, which would make it easier for him to look around. Of course, he was embarrassed to sit with His Majesty and the Empress.
Li Xingchen smiled and waved to him to sit down. Of course, he couldn't just go out on the street stupidly with Li Ping as his escort. There were countless white-robed and feathered guards in the crowd around him, let alone those from far away.
Guards patrolling the streets.
Li Ping was alone and in the open, so even if someone wanted to do something evil, he wouldn't be able to tell, so he might as well sit down and take a breather.
Seeing Li Ping looking around with a vigilant look, Li Xingchen ignored him and asked directly: "Then what should we do?"
Yu Chizhen thought about it and said with a smile: "I think we should attack both sides."
"oh?"
"The first thing is naturally that His Majesty and the Ministry of Revenue together issued a warning to these banks. They are just relying on the fact that the big men have just entered the Central Plains and everything needs to be done step by step, so they take advantage of the loopholes and act unscrupulously. Once the Ministry of Revenue comes forward, even the Ministry of Punishment can come forward.
, these banks are naturally afraid." Yu Chizhen said slowly, obviously she was thinking while speaking.
As if he felt that what he said was not convincing enough, Yu Chizhen added: "High amounts of money are already clearly illegal in the laws of the Han Dynasty, but the court has not given a clear standard, so these people
It is also because the court needs them now and there is no time to care about them. If you speak clearly, they will naturally understand."
Li Xingchen nodded, yes, this is indeed a legal flaw.
Laws related to the economy were formulated by the Ministry of Household Affairs with the help of the Ministry of Punishment. The Ministry of Household Affairs is already very busy, and the people who come here are all young people with little experience, so it is understandable that there are gaps. This is not terrible. Now
The governance of the Han Dynasty did not rely entirely on the law. When the law was not yet perfect, social morality and His Majesty's will had absolute binding power. You can escape the sanction of the law, but you cannot escape the sanction of social morality.
"What about number two?"
"The second natural thing is to find the reason within the court itself." After Yu Chizhen said it, her face changed and she looked at Li Xingchen cautiously. This statement was tantamount to saying that His Majesty had been negligent.
Li Xingchen took a sip of tea: "It's okay, just treat it as a private conversation, but it doesn't hurt to say it."
Yuchizhen felt warm in her heart: "The imperial court obviously neglected management in this matter before and relied entirely on the Bashu family. However, the Bashu family does not fight for power but loves money. This is well known. Therefore, there will be manipulations in interest rates and even huge price differences between the north and the south.
It is reasonable, so His Majesty still needs to try to establish a regulatory mechanism, or even directly nationalize these banks, so that unified control can be carried out."
Li Xingchen was startled for a moment. Of course nationalization was a good idea, but wouldn't it be equivalent to killing the Bashu family? Although these Bashu families were a little greedy, their loyalty to the court over the years was beyond words.
There was never any ambiguity in giving money and food to people, and the court's trade flourished under their control.
Li Xingchen felt like killing a donkey by doing this.
What's more, the largest Han Royal Bank is still under the control of the Han Dynasty. Although these Bashu banks are also large, they are not as good as the Royal Bank.