Queen Changsun was stunned for a moment. She thought there was something wrong with her ears. Could it be that she heard wrongly? What did Li Mu say? He only wanted one to three cents of interest? How is this possible?!
"Li Mu, you said that the interest is only one to three cents, but do you mean that if you borrow 10,000 guan, the maximum annual interest is only 3,000 guan?"
Li Mu nodded and said: "The queen's calculation is not bad at all, that's what she means!"
Empress Changsun looked at Li Mu as if she were a fool and said: "Li Mu, do you know how much interest the public house earns on loans? If you lend money like this, if someone takes all the money out and then lends it to another person, then this
The profits earned by others will be greater than the profits gained by you, isn’t this just making wedding clothes for others?”
"Queen, please give me a detailed report."
Li Mu had a confident smile on his face. What he liked most was this part, like a commentator, doing science popularization for the people of the Tang Dynasty who were like a blank piece of paper.
"I have learned about the current borrowing situation in Datang. With all due respect, the current borrowing situation, whether it is the government or the private sector, is in an abnormal situation. What the Queen said is exactly right. Such a loan,
It must be the common people who are being exploited, and I would never do such a thing."
"But when you lend money to wealthy people, why is the interest rate so low? Aren't you allowing them to exploit the people?"
"I have absolutely no intention of doing this. Queen, please think carefully about it. The first purpose of my loan is to get someone to do things. Because the cost of doing things is too high, many people, even if they have ideas, cannot come up with it.
Such a large amount of money. I lend them money so that they can do this. Getting things done is the main purpose. The reason for the low interest rate is that since it is a business, there must be profits.
If they lend money normally, the interest rate is too high, and all the profits they get are not enough if they pay interest, and no one will do such a stupid thing. But I only need one to three cents of interest, which frees up room for profit.
After they repay the money they owe, their profits will be greater, which will encourage them to actively take out loans."
"Also, to do something, someone must take the lead. For example, a carriage and horse business. It is unrealistic to expect a common person to do a carriage and horse business, because he has neither money nor people. But if a wealthy family or
The rich people take the lead. They have capital, loans and pledges, so they can do this. The important thing is that to do anything, they have to use people. If they don’t have enough manpower, they will hire workers. These workers may be refugees.
, or they may be poor people. If they get this job, they can make a living, so the interest transferred by me will become their monthly income. Feeding the people is my second purpose."
"The third purpose is to increase income for the internal funds. If one million guan is lent, calculated at an average interest rate of 2 cents, it will be an income of 200,000 guan a year. Calculated based on the current expenditure of the internal funds, 2
One hundred thousand guan is basically enough. What's more, the bank now has two million guan. If everything goes smoothly, the interest of 400,000 guan a year will definitely be enough to cover the palace's expenses."
After hearing this, Queen Changsun really yearned for it. She was also a human being, who didn't want to live a better life? With more money in the palace, the concubines would not always come to complain about it. But Li Mu
Can what you say really be implemented smoothly?
Queen Changsun felt that this was not necessarily the case.
"Li Mu, your idea is good. But there is a problem. The money you loaned is not internal money. It is the money of the shareholders of Datang Salt and Datang Mining. In other words, if I understand correctly,
, you plan to lend the money of a wealthy family to a wealthy family, will they agree if you do this? "
Li Mu smiled and said: "Queen, I don't know why I need their consent to do this."
Empress Changsun frowned slightly, Li Mu was really as arrogant as the rumors said.
"What if it gets too big and they want to withdraw their shares?"
"Let them withdraw. If the current shareholders withdraw their shares, it will allow those who regret not being able to invest in the shares to join in. Isn't it great?"
"What about this money?"
"Don't worry about money. If you withdraw one, join another, use the money at the back to make up for the money in the front, one will support the other, just right!"
Seeing that Queen Changsun still had doubts, Li Mu further explained: "The rule set by me is that if you want to participate in the company, you must pay a subscription fee, which is a deposit. Because these two companies are bound to be profitable businesses. God
There is nothing so cheap. If they don’t pay a deposit, I won’t let them participate in the shares. They put the money with me. It’s what they have to pay. I’m not robbing them of their money. If they withdraw their shares, I won’t let them participate.
I promise to refund them every penny, which is very reasonable and fair."
Queen Changsun said: "You can make sense on this point, but how can you guarantee that the money you released will be recovered? If the business they borrowed money for loses money and they can't pay back the money, you can't kill them, right?
?Is it possible that you have a way to make all the business they do profitable?"
Li Mu smiled and said: "Of course I can't make everyone make money. If I had that ability, I would not be Li Mu, but the God of Wealth. However, I have also thought of what the queen is worried about. First of all, I don't extend credit.
, they only grant pledged loans. Such a low-interest loan is something you can’t find even with a lantern. I don’t think it’s too much to ask them to come up with some guarantees. At the same time, I will also verify their family background. If someone
If a person has a net worth of 100,000 guan, I will only grant him a loan of 20,000 guan at most to ensure that he can repay it. Moreover, I will not let them only use the loan to do things. For example, a business requires a principal of 30,000 guan.
Then I can lend them half of the loan at most, and it is absolutely impossible for me to give them nothing."
"With these guarantees, I believe it is safe."
"Oh..." After hearing this, Queen Changsun felt that all the doubts in her heart were finally solved. She thought for a while, but could no longer think of any loopholes. She nodded and said, "Li Mu, you are indeed very resourceful.
You are the only one in the world who can think of such a method. If you use other people's money to benefit yourself, even if Fan Li is reincarnated, he will not be able to compare with you."
"The Queen is overly praised, but I am too ashamed to deserve it." Li Mu hurriedly humbled himself. He did not want to be flattered: "And the Queen also said that it was wrong. I did not use other people's money for my own benefit. I used the money of a powerful family.
It is for the benefit of His Majesty's internal funds. I will not get a penny from it."
Queen Changsun heard what Li Mu meant. He was clarifying the relationship and putting the responsibility on the internal money, so that the wealthy family could not complain. Queen Changsun thought about it and did not expose it. The profit of hundreds of thousands of dollars a year,
It is also necessary to take some responsibilities. It is not easy to get money from internal funds. Li Mu will bear the blame alone. If he really does this, Li Mu may not do his best.
At this time, the four noble concubines arrived.
This was the first time Li Mu saw Li Shimin's four concubines, and he quickly stood up to greet them. Empress Changsun introduced them and said: "Sisters, this is the famous Zhuluhou in Chang'an. The mahjong we are playing is him.
Invented. Today he also presented perfume and soap. I don't want to keep them to myself, so I will share them with you sisters."
After saying that, she introduced Li Mu again and said: "Li Mu, this is Concubine Wei, Concubine Yang, Concubine Yin, and Concubine Yan. They are all people who have followed His Majesty for many years. You must treat them the same as you treat me, do you understand?
?”
Li Mu hurriedly saluted and said: "Your Majesty Li Mu, I would like to send my regards to all the noble concubines."
The four noble concubines rarely see foreign ministers except their relatives. It is quite new to see Li Mu, and they have heard of Li Mu's reputation many times. They play mahjong every day, no matter what
After playing for two hours, I couldn't even eat. Now that I saw a living person, they were all very happy and kept asking questions. They were also quite satisfied with the perfume and soap presented by Li Mu.
While talking, it was already noon. Li Mu was not that shameless, so he stayed in the palace to wait for the meal, and found an excuse to retreat. Empress Changsun did not persuade her to stay. After all, Li Mu was a man. Although he was a junior, it was still inconvenient.
If Li Shimin opens his mouth, it will be different.
Li Mu left the Lizheng Hall and happened to pass by Chongwen Hall along the way. When he was leaving school in Chongwen Hall, he happened to meet two brothers, Li Chengqian and Li Tai, walking out of the door. Li Mu quickly waved his hand, and Li Chengqian's sharp eyes saw that it was him and trotted away.
Came over.
"Brother!"
He called "big brother" crisply and clearly. Li Mu waved his hand and motioned for Li Chengqian to lower his voice. But Li Chengqian refused and still called him "big brother". He was so obedient because of the charm of money. The scimitar he wanted,
Li Mu asked Ergou to buy it and sent it to Li Tai. Li Tai handed it over to Li Chengqian, who was so happy that he couldn't sleep for several days. He even wrote a letter to Li Mu in his own handwriting, saying that from now on, Li Mu would be his.
Big brother.
It only cost a hundred taels to buy the prince and call him "big brother". It was really a good deal. But Li Mu didn't dare to accept it. He was joking. How dare he ask Li Chengqian to call him big brother in a serious situation.
Li Chengqian is different from Li Tai. Li Chengqian is the prince. The prince can be established as the crown prince because he is the 'eldest son' and the 'eldest son'. If the prince calls someone else eldest brother, he is not the legitimate eldest son. This is a huge violation of the rules.
Li Mu was waving his hands when Kong Yingda came out of the door. Hearing Li Chengqian call Li Mu brother, his expression changed instantly. He strode forward and pointed at Li Mu and said: "Zhuluhou, how dare you be so bold? The prince is
You are the crown prince of the country, and you induced the prince to call you eldest brother. What do you want to do? Is it evil?"
Li Mu suddenly frowned. He looked at Kong Yingda and felt quite helpless.
I have played against Kong Yingda many times. I was very disgusted with him at first, but gradually, somehow, I became less disgusted. Although the old man's temper is a bit stubborn, his personality is very upright. Even if he is
It can be said that he is strong from the front and does not make small moves behind his back, which Li Mu appreciates very much.
But he always looks for trouble, and Li Mu still doesn't like it. And he can't control himself. Whenever Kong Yingda jumps out, he wants to say something. Maybe it's because he has nowhere to talk to him recently and he feels lonely.