While Xiaobei's group was setting sail once more, the four thousand Candy Houses in the Great Tang were also beginning to move.
Xiaobei and the others had nothing else to do for the time being. They felt that they had done a very great thing, but they didn't know that their actions had made their brothers and sisters busy as well.
Zhang Xiaobao sat at the bow of the ship. The wind blew in his face, bringing with it a slight chill. He flipped through a thick book in his hand, which recorded the planting of this year's grain and cash crops in various places.
Wang Juan sketched out the distribution of soil on the sheltered table next to her. In some places, it was sugar cane, sweet, honey, and wheat.
Li Longji sat not far from Zhang Xiaobao and Li Shiyu, drinking soup. Yesterday, he finally drank too much and fell asleep. This morning, his head was still faintly aching.
When the others were eating breakfast, he went to take a bath. After the others finished eating, he asked Zhang Xiaobao to make a bowl of soup for him. As he sipped, he felt the warmth flowing into his stomach and felt much better.
"Okay, it's almost done. Xiaobei and the others have completed the preliminary rationing plan for their candy house. In the short term, the workshops and shops related to sugar will be affected a little. The cost of production will increase by about 10% and will naturally fall within a month."
Zhang Xiaobao closed the book and said with a smile.
Wang Juan was still sketching there. "I still have to be busy. The planting of sugar cane, sugar beets, barley, and corn needs to be arranged according to the different climate and soil of each place. The income of the people who raise bees and flowers will increase.
It's also thanks to our support behind the scenes. Otherwise, the raw material cost of Xiaobei's candy house would increase by several times, or the sugar related industries in Tang would be affected.
Four thousand candy houses to open at the same time. How daring. This time, our family's glass industry will benefit. I'm just afraid that we don't have enough manpower and can't handle it. "
Zhang Xiaobao also agreed. "I'm afraid that we won't be able to handle it. Our glass is still handmade. When we need thick glass, we can only cut and grind it. The thin glass can be blown out, so a lot of waste glass is produced.
Haojing, how did Xiao Bei and the others come up with this idea? Large pieces of glass can be directly made into mirrors, and small pieces can be pieced together to make the effect of a kaleidoscope. Bits and pieces of glass can be used for inlay and handicrafts processing, and can also be sold for a lot of money. "
"That's why I'm going to increase the tax on the glass industry. Your family will reap all the benefits," Li Longji said.
Zhang Xiaobao glanced at Li Longji's bowl of soup and said with concern, "Your Majesty, the soup won't taste good if it gets cold. Xiao Bei and the others are in charge of this matter. When you see them, you can personally tell them that the sales tax of my family's glass have already reached 50%."
"That's right. Many of them are given to the Ministry of Works for free. Where is the money to be earned?" Wang Juan chimed in.
Li Longji snorted and gulped down a few mouthfuls of wine. He let out a long sigh and said, "Don't you know how much the cost of your glass is? If you sell a single piece of glass, it's enough to pay a hundred workers in your factory for a month.
Otherwise, if you give your glass to the Ministry of Works and the military for free, it won't be as simple as a 50% tax. Seeing that your family's trash glass can also make money, if we don't collect your tax, what will the imperial court eat?
You even said that you want to increase the tax on those with high incomes. That's good. I'll start with your family and increase the tax to 60%. As for who instigated this, I don't care.
Since you mentioned Xiao Bei and the others, I just wanted to tell you something. Since Xiao Bei and the others are so capable, Jun 'er and Pan' er can't be lacking in the future.
I don't care what method you come up with. When Jun 'er and Pan' er are as old as Xiao Bei and the others, they also need to come up with a business plan. They don't need me to give them a single copper coin. They need to raise at least five hundred … no, three million strings of string of cash and open a chain store to make money. "
The more Li Longji spoke, the more he felt that what he said made sense. He shook his head happily and looked at Zhang Xiaobao and Wang Juan, waiting for them to give him a definite answer.
Zhang Xiaobao and Wang Juan turned their heads woodenly and looked at each other. They then turned their heads back to look at Li Longji. Li Longji smiled proudly, "Do you realize that I am very wise?"
"Yes, Your Majesty is truly wise." Zhang Xiaobao responded, then said, "Okay, I agree. It's simple. Isn't it just three million strings of cash? From now on, I won't teach them anything else. I'll only teach them how to do business. Six years later, I'll have them use their own methods to raise six million strings of cash."
"Yes, if they can't raise the money, Xiao Bao and I will make up for the shortfall," Wang Juan agreed.
"Make up for the shortfall? I lack money? They have to rely on their own abilities to get three million strings of cash. Also, just knowing how to do business isn't enough. Arithmetic, calligraphy, painting, poetry, musical instruments, and excellent swimming skills are all required. You can't favor one and discriminate against the other. "
Li Longji added to his request.
"Your Majesty, do you want to learn military command? Do you want to learn how to cook? Do you want to learn how to govern? "Zhang Xiaobao helped Li Longji supplement.
Li Longji didn't immediately speak this time. He continued to drink the soup that was almost cold. From time to time, he would stop and unconsciously stare at a certain spot.
After a while, when Zhang Xiaobao and Wang Juan were already arranging the planting of sugar raw materials, Li Longji drank the last mouthful of soup and said to the two of them,
"Jun 'er has to learn politics, national policy, and military command. As for Pan' er … She can learn more about other aspects, but you also have to teach politics. She doesn't have to learn it too well.
How about this, if they learn more, We don't require them to reach a certain level in a few years. We will be satisfied if they can have half of your ability at their prime. "
Zhang Xiaobao and Wang Juan were speechless once more.
*****
"Little Yuan, why do you think they're willing to give us so much money and cooperate with us to do business, but not willing to work with us on this major matter?
Do you know, the Great Tang Bank is the wealthiest place in our Great Tang? If we can make them suffer, even if it's just a little bit, we'll become famous. That would be something that everyone yearns for. "
Xiao Bei stayed in the cabin. He opened half the window and let the moist wind from the river blow in. He said to Little Yuan, who crossed his arms to show that he was cold.
Hearing Xiao Bei's words, Little Yuan was very vexed. Because this was not the first time Xiao Bei had brought it up. Since last night, when she clinked glasses with others, Xiao Bei kept talking about working together to deal with the Great Tang Bank.
As a result, the merchants who had clinked glasses with Xiao Bei only took a small sip of wine. When they heard what Xiao Bei brought up, they all drank three or five cups in a row.
Xiao Bei didn't finish her cup of fruit juice. All the people that she found to work together to teach the Great Tang Bank a lesson all drank too much. No one was lucky enough to escape, and they all drank voluntarily.
Xiao Bei wasn't stupid. She immediately saw that these people would rather get themselves drunk than offend the Great Tang Bank, so she was very angry.
Little Yuan was also angry, but she understood that behind the Great Tang Bank was her brother. Which merchant dared to provoke him? If the person who had rejected their loan application was not a manager of the Great Tang Bank, but the owner of some pawnshop or private bank, then everything would be easy to deal with.
She believed that the merchants would take the initiative to help her take revenge.
Last night, Xiao Yuan heard Xiao Bei mention the matter of revenge in his sleep. He felt helpless and angry at that manager.
Hearing Xiao Bei mention it again, Xiao Yuan could only comfort him. "Actually, they're afraid of our brother, not the person in charge. If it really doesn't work out, we can send a report to our brother and ask him to fire the person in charge."
"That won't do. If we fire the manager, wouldn't we be bullying others? I want that manager to suffer a big loss. That way, others will feel that it's normal to fire him. "
Xiao Bei shook her head and directly rejected Little Yuan's suggestion.
"What's the difference? In any case, the manager is following the normal process and didn't break any rules. Do we have to make things difficult for him just because he offended us? Perhaps that manager is already on tenterhooks. "
Little Yuan began to sympathize with the manager of this branch of the Great Tang Bank.
Xiao Bei didn't say anything and continued to stand by the window. Her face was red from the wind, but she had no intention of leaving. After about fifteen minutes, Xiao Bei softly sighed, rubbed her face with her hands, and left the window. She found a corner and dragged a stool over. Sitting there, she rested her arms on her legs and rested her chin on her hands.
Little Yuan also dragged a stool over and sat down next to Xiao Bei. Together, they fell silent.
"Little Yuan, tell me, is it good or bad that the Great Tang Bank is so powerful? If a bank similar to the Great Tang Bank appears in the future, won't the Great Tang Bank be threatened? "
After a while, Xiao Bei nudged Little Yuan and asked.
Little Yuan thought for a while and then replied, "There definitely will be. Didn't big brother and big sister say many times that no matter what industry it is, other than the military industry, there shouldn't be a monopoly?"
Xiao Bei recalled that when she was with her big brother and big sister, she could always hear all kinds of things. Nodding, she said, "Yes, I also know. Big brother and big sister mean that if one family monopolizes an industry, it won't be good for the people's livelihood.
Just like the pricing power that our family had in the beginning, when I heard the servants at home talk about it, I didn't understand why at that time. Now, I finally understand. Whoever has the power to set the price can decide the unrealistic price of a certain or several goods.
This is not simple. Just like the cooperation model we use now, we rely on the power of our family to make those merchants willing to cooperate with us.
But if we can decide the price of all commodities in the Great Tang from the start, then as long as we show the slightest intention of needing money, countless merchants will come to us. "
Little Yuan nodded and followed Xiao Bei's words. "So, in the future, many banks will appear in the Great Tang. But I know that no matter how many banks appear, big brother and big sister will control them very well. They won't allow any bank to use methods that violate the rules or take advantage of loopholes to harm the people of the Great Tang."
At this point, Little Yuan was stunned for a moment and then whispered to Xiao Bei, "Actually, our Big Brother Xiaohai mentioned something to me yesterday."
"What did he mention?" Xiao Bei's curiosity was aroused.
"Big Brother Xiaohai said that as long as we calculate the proportion of collateral that the Great Tang Bank gives out and how much of the Great Tang Bank's money hasn't been used, we can make the Great Tang Bank suffer a small loss." Little Yuan's voice became even softer.
Xiao Bei also appeared to be nervous. He looked at the door and then looked at the two servant girls and the manservant who were ready to serve the two of them at any time. His entire person became vigilant.
In fact, the three people in the room had already noticed that the young master and young lady's reactions were different, but they still pretended that nothing had happened. They were very dutiful, even though they had already noticed that Xiao Bei's wife, Little Yuan, and young master were thinking about how to deal with young master Xiao Bao's Great Tang Bank.
"Really?" Seeing that the three people in the inner courtyard did not respond, Xiao Bei covered his mouth with his hand and asked Little Yuan, just like the person who contacted him underground.
Little Yuan hid behind him. "Don't act like you can't see him. I'm whispering because I'm afraid that you will suddenly become too excited after hearing it. How about I have someone call Big Brother Xiaohai over?"
Only then did Xiao Bei realize that the people in the room were from the inner courtyard, so there was nothing to hide. Thus, he nodded and said to a servant girl, "Little Tong, go call Big Brother Xiaohai over."
Little Tong nodded and ran out as fast as he could.
Xiao Bei turned his head to the remaining two people and said, "In a moment, when we discuss matters, you two can also participate. However, no matter what you hear, you absolutely cannot tell anyone else. Do you understand?"
The two people repeatedly nodded. The man said, "Young lady, you can rest assured. From now on, no matter what you say, I will forget after hearing it. I absolutely won't remember it."
"What I mean is that even my big brother and big sister must not tell anyone. Can you do that?" Xiao Bei asked.
"Yes, yes, very yes. As long as what you say does not harm the family, we will not tell anyone else, especially after you specifically mention it. If you mention it, we will also tell young master Xiao Bao that the first people he will deal with will be us."
The manservant continued to promise. The servant girl next to him also had an expression that said she would not say anything even if she was beaten to death. She was very clear that her male colleague was completely correct.
If Xiao Bei and the others specifically said that what they discussed was not allowed to be told to anyone else, and that the matter would not cause any great harm to the family, then they definitely could not tell anyone else.
Otherwise, young master Xiao Bao would at least kick them out of the Zhang Family and Wang Family at the very least. If it was serious, it would be easy to erase them.
"That's good. In a moment, you two also need to participate. When the time comes, we will be like grasshoppers tied to the same rope. No one can even think of escaping, okay?" Xiao Bei was very happy.
What else could the two people say? They could only continue to nod.
Not long after, Xiaohai and the others came over. Pan 'er and her sister were also there. The two little ones were now like tails, always following behind their nine big brothers and sisters.
They didn't know what the adults were thinking, especially Li Jun. How could she know how much pressure she put on others when she played with Big Sister Xiao Bei, and how much of a sense of crisis it created?
None of the princes, including the current Crown Prince, were not worried at all.
Back then, when Li Xun was with Zhang Xiaobao and Wang Juan, they were already nervous, and that was just a person who didn't have the identity of a prince.
The current Li Jun was the true eldest son of the first wife, born from the Empress. If that was all, it wouldn't be a big deal, because he was too young. When their Imperial Father abdicated, Li Jun probably wouldn't have grown up yet.
Of course, this was because they didn't know how old their father, Li Longji, would be.
However, what they knew was that if Li Jun was with Xiao Bei and the others, what was the difference between being with Zhang Xiaobao and Wang Juan? If there really was a difference, it would be that Li Jun had been cultivating relationships with everyone in the Zhang Family and Wang Family since she was young.
This invisible pressure made the princes want to find a chance to get rid of Li Jun, but they also knew that they didn't have the ability to do so. So, the only thing left was to silently 'pray' in their hearts.
They hoped that Li Jun and Pan 'er would either get a serious illness or encounter some kind of danger.
However, this was only a thought. They also understood that if they were with the Zhang Family and Wang Family, they would get an incurable illness, and their lives would be in danger. In that case, Tang Tang wouldn't be able to find a safer place.
How could Li Jun and Pan 'er know about these things? They just liked to play with their brothers and sisters. They could eat good food, play games with others, and listen to interesting stories.
Right now, Pan 'er was wondering if there would be a story to listen to with everyone gathered together. She opened her eyes wide and looked at Xiao Bei. When Xiao Bei looked over, she gave him her sweetest smile and said, "Story, tell me a story."
"Okay, okay, stories. Be good, Pan 'er. Big sister will tell Pan' er a story in a while." Xiao Bei coaxed Pan 'er, but his eyes turned to his brother, Xiao Hai.
Xiao Hai was relatively quiet and didn't like to talk all the time. Other than when he was reading essays, he was also with his brothers and sisters. Otherwise, even when he was with his mother, he didn't talk much. He probably felt that instead of wasting so much time talking, it was better to learn arithmetic.
Seeing his sister look over, Xiao Hai nodded and said, "Through the information at home, I found out that the money in our Great Tang Private Bank is actually not much. All the money added together is about 400 million strings of string of coins, but the private bank only has a fifth of it left.
The rest of the money was either invested by the private bank or loaned out. That is to say, the private bank has 80 million strings of coins of string of coins, and we have 40 million strings of coins to do business. If we are determined to do something, we can at least make the Great Tang Private Bank suffer a loss. "
Xiao Hai's words were very certain, and the other children also nodded. This was something that they had discussed together. Like Xiao Bei, they had been holding back their anger.
Therefore, they unleashed all of their abilities. While Xiao Bei and Xiao Yuan were hiding here and feeling uncomfortable, they came up with this result.
When the three people from the Inner Court heard Xiao Hai's words, they couldn't help but shiver. They didn't know what to feel in their hearts. This group of little brats, they were actually planning to attack the Great Tang Private Bank.
Xiao Bei heard it clearly, but he didn't understand how the 40 million strings of coins they had raised had anything to do with how much money the Great Tang Private Bank had.
Xiao Bei doubtfully looked over and said, "Big brother, then what should we do?"
At this time, the cabin door was closed. The people outside weren't allowed to come in, and the people inside weren't allowed to go out.
Everyone's eyes were on Xiao Hai. Xiao Hai was still as calm as ever. This was the habit of someone who worked in mathematics.
Seeing that everyone was looking over, Xiao Hai found a chair and sat down. He said to Xiao Bei, "We discussed it, and the final decision is that if you and Xiao Yuan agree, then we will teach the Great Tang Private Bank a lesson.
Otherwise, they will really think that we are so easy to bully. In the future, anyone will dare to bully us in the name of fairness. Big brother hasn't said anything yet, so I guess big brother and big sister are waiting to see what we will do. "
"I agree." Xiao Bei was the first to express his position.
"I agree with her." Xiao Yuan said.
"Good, then I will now analyze the relationship between the 80 million strings of coins of coins and our 40 million strings of coins." Xiao Hai looked at the others and saw that no one objected. Even Li Jun and Pan 'er nodded.
Xiao Bei pulled Pan 'er over and held her in his arms. He looked at his big brother. The three people from the inner court took a deep breath at the same time, then closed their eyes and made a decision. They were going to go all out and do whatever they wanted. It was too late to back out now. Not to mention, even if they wanted to back out just now, they still couldn't.
The cabin suddenly quieted down. Xiao Hai copied the adults and lightly coughed. He then said, "The Great Tang Private Bank's operation model is actually very simple. One is to lend money, and the other is to attract deposits. The interest of the loans is higher than the interest of the deposits given to others.
"The other is to invest. In terms of the Great Tang Private Bank's own investments, big brother is very strict. One is to not invest in the most basic industries, and the other is to not invest in businesses that are too risky.
Thus, the result is that the money invested cannot be recovered in a short period of time. This is because it is not a speculation, but an investment. There is a long-term return of capital. Thus, the Great Tang Private Bank's current reserves are only 80 million strings of coins. "
When Little Hai said this, he paused and looked at Little Bei. This time, Little Bei understood a little and said, "Yes, it's only 80 million strings of cash. However, 80 million strings of cash is very little. It's based on the total amount of 400 million strings of cash. It's a fifth, which is 20%.
But in reality, 80 million strings of coins is not a small amount. How can we make their 80 million strings of coins smaller? Is this what you mean? Make it smaller? Then let the Great Tang Private Bank go bankrupt? "
Xiao Hai nodded. "It is not a simple matter of making it smaller. We want to make them panic. As for going bankrupt, that is impossible. Do you think big brother and big sister don't have the means to deal with us?"
"They do. If big brother and big sister directly find us, then we will be honest." Xiao Bei said.
"What do you mean by directly find us? Big brother and big sister definitely won't do such a thing. Whatever methods we use to attack, they will use the same methods to counterattack. Yes, counterattack, not just defense." Xiao Hai said to Xiao Bei.
"Oh, then can we beat big brother and big sister?" Xiao Bei lost his confidence.
"There is no need to beat big brother and big sister. As long as we cause trouble for the Great Tang Private Bank, big brother and big sister will probably be very happy to see that the Great Tang Private Bank is not really stable. It is because of big brother's existence that others do not dare to make a move. If we make a move, we can give the Great Tang Private Bank a warning. What is that saying again? Xiao Yuan. "
As Xiao Hai spoke, he could not recall it.
"In the story, one is born in sorrow and dies in peace and happiness." This was Xiao Yuan's strong suit, so he spoke without hesitation.
"Yes, that's it. Instead of waiting for others to make a move, why don't we make a move first? We can have a battle of offense and defense with big brother and big sister. We can learn a lot and see how big brother and big sister handle it."
Xiao Hai became spirited and spoke more. He even increased the movement of his hands as he constantly gestured.
"Alright, what do we do first?" Xiao Bei asked.
"A loan, a mortgage loan, but it can't be in our name. We are too small. They won't give us a loan. Let the businessmen who work with us do the loan. Our 40 million string investment isn't all at once. There's a process in between, and it's divided into batches.
"But the merchants we're working with have already prepared the cash and put it in the Great Tang Bank. That is to say, the Great Tang Bank doesn't really have 80 million strings of cash, but 40 million strings of cash.
We can first get the merchants to take out the loan, and when the Great Tang Bank has less money, we can take out the money at once. That way, the Great Tang Bank will have no reserves. What do you say? "
Little Hai continued to speak. All the children felt their eyes become brighter and brighter. So it was actually this easy to break into a bank? That's great.
Just as they were rejoicing, the man from the inner courtyard raised his hand and spoke, "Young master, young ladies, may I interrupt?"
"Go ahead." Xiao Bei was excited, so he didn't stop others from interrupting.
"Well, it's like this. Since the Great Tang Bank's 80 million strings of cash is called a reserve, it naturally can't continue to lend. Therefore, if we ask the merchants to apply for a large loan, they won't be able to get it. If others apply for a small loan, they will have to see how much interest the bank can get back.
Only when the loan exceeds 80 million strings of cash can the Great Tang Bank continue to lend. They are afraid that someone will take away the money like we did and then be unable to pay, so this idea won't work. "
The man from the inner courtyard explained the situation to Xiao Bei and the others.
Little Hai slapped his forehead and didn't say anything else. He realized that the idea he came up with in a hurry wouldn't work. How could he have forgotten this matter?
Xiao Bei also frowned and said, "It's fine. This method won't work. Let's think about it again. I know. Our goal is very simple. It's to make the bank run out of money, right? Then let's convert 40 million strings of cash.
The merchants we're working with can't only have this much money, right? They must still have money in the bank. We'll take out the cash and give it to them so that they can continue to take the money out. This way, the bank will be finished.
Then, we'll spread the news that the Great Tang Bank is out of money. This will make the people who deposit money in the bank anxious and go to the bank to take out the money. Ha, what do you think the Great Tang Bank will do? "
After Xiao Bei finished speaking, he felt that his idea was very useful. He waited for the others to praise and agree. The others thought about it and didn't find anything wrong with it.
Thus, they split up and sent telegrams to their business partners to discuss this matter. They also began to arrange for people to spread the news that the Great Tang Bank was empty and couldn't take out any more money.
In the end, when everyone gathered together again at noon, their expressions had turned ugly.
"They are too poor. They still have the face to say that their capital can be ranked in the top 100 of the Great Tang. They are all people on the top list of billionaires, but none of them can take out any cash."
Xiao Bei said gloomily.
Xiao Yuan also imitated Lord He, took a deep breath, and then let out a long sigh, "Ai ~ ~! I also contacted them here. They said that the Great Tang Bank doesn't have all the money they gave us for the cooperation. Brother Xiao Hai, how much is it? "
"Much less. According to my calculations, the people we're working with have only transferred 16 million strings of cash directly from the bank. The rest of the money is also borrowed from others.
This time, they can't rely on their own cash to support the cooperation, but through financing means. They don't have much cash and most of it is on goods.
This is the normal business model. If they can really take out so much cash, they can't be ranked in the top 100. "
Xiao Hai explained. In other words, the other party used quasi-cash flow. The reason why it wasn't pure cash flow was because they didn't have much debt. It was just that they were not comfortable with negative capital operations.
"Ah? So it's like this. Then why does my family always have a lot of money? Uncle Emperor also has the same. Right, where did my family's money go? The Great Tang Bank's reserve of 80 million strings of cash can't all be my family's money, right? There's also Uncle Emperor's money. Uncle Emperor has 100 million strings of cash. "
As Xiao Bei spoke, he finally realized the problem. If all the money in the Great Tang Bank was added together, it would only amount to four hundred million. Excluding his family and Uncle Emperor's money, there was practically nothing left. Then the current reserve of eighty million strings of string of coins was simply not right.
The other eight children were the same. They were all confused. How did he get the money? After going around and around, a part of the money evaporated?
Even the two younger children, Pan 'er, felt the distress of their brothers and sisters. Pan' er waved her small hands and said, "Money, money."
At this time, the man in the inner courtyard also didn't know, because he didn't study this in the inner courtyard. It was even more impossible for him to know how his family's money was used.
"Go, find the relevant people in my group. I'll ask them." Xiao Bei decided to figure this matter out.
There were all kinds of people in the group. Soon, two people in charge of capital operations came. One was surnamed Zhang, and the other was surnamed Wang. They were called Zhang Ben and Wang Fei.
When the two entered the cabin, they also felt the difference in the atmosphere, but they didn't know what had happened. They looked at each other, and Zhang Ben asked, "Young master, young lady, why did you ask us to come here …?"
"I want to ask something. Where did our family's money go? And Uncle Emperor's, "Xiao Bei asked.
The two understood. Wang Fei thought for a moment and said, "Replying to young lady, in truth, our family's money and His Majesty's money are also in the bank. However, this money is not directly calculated and calculated by the bank's system. Instead, it goes through a different system."
"Ah? Another system? "Xiao Bei had never heard of this before." Why? "
"Because the young master said that he didn't have much energy to waste on the bank. He still had many things to do. If they went through the same system, the approximate amount of money in the bank would be easily leaked. This is because the bank also has to pay taxes to the court.
If we can't fake the accounts, then the Ministry of Revenue in the court would very likely leak the secret. In that case, others would estimate the amount of money in the bank and use the method of running on the bank to deal with the bank. The bank would be greatly affected.
The purpose of our family's money and His Majesty's money going through the other system is to hide behind the scenes. The Emperor's money doesn't need to be taxed. Our family's money is paid a fixed tax and turnover tax, so it has already been paid. This way, we also don't need to tell others how much money we have in the bank.
Thus … "
When Wang Fei explained to this point, Zhang Ben continued, "Thus, these two very large amounts of money are hidden behind the scenes. The purpose is to wait for others to use various methods to run on the Great Tang Bank. Then, we can take measures against them.
Of course, our family's money and His Majesty's money are also used as capital. During this process, our family doesn't need to pay taxes. This is because most of the time, our family's money is used for disaster relief. This includes His Majesty's money. Normally, the money our family earns and the money we give out for free form a balance. "
Xiao Bei and the others now understood. Because they understood, they all became disheartened.
Xiao Bei rubbed his face and looked at the others. He said, "Our plan has failed. How much money our family has, and how much money Uncle Emperor has, we all have a rough idea, although we don't know the specifics.
The Great Tang Bank indeed only has 20% of its reserves. If many people work together, it will be very easy to attack the bank. However, as long as elder brother doesn't do anything, everything will be fine. If he does, whoever attacks will be unlucky. Aiya, failure. Could it be that the bank doesn't have a loophole? "
Pan 'er also nodded, "Aiya, bad luck, bad luck, failure, aiya."
"It's bad luck. No, no, no, say it like this." Xiao Bei didn't forget to teach Pan 'er.
"No, aiya," Pan 'er followed up with another sentence, making the atmosphere a little more relaxed.
*****
Xiao Bei and the group of children continued to squat in the corner and draw circles, trying to think of a solution. However, the rumors had already spread.
The speed at which the rumors spread was very fast. They all used telegrams.
In the afternoon, Zhang Xiaobao received news of the rumors. Li Longji hurriedly came over and said to Zhang Xiaobao, who was sunbathing with Wang Juan, "Look at what your younger brother and sister have done. They've made everyone anxious. What if they run on us?"
"If they run on us, then so be it. A bank that hasn't experienced the risk of a run on us isn't a good bank. Only soldiers who have walked the line between life and death can fight a tough battle. From the moment the bank appeared until now, it hasn't been attacked at all. That won't do."
Zhang Xiaobao appeared to be very calm, as if he wasn't worried at all.
As soon as Li Longji saw Zhang Xiaobao's expression, he felt angry and said, "Why haven't you done anything big? When you kicked the other partners out, you didn't hold back. Then, you kicked yourself out as well.
If you didn't go out and control the bank with me, how would others dare to run on us? How would they play tricks? Oh, right, they played tricks. It was Xiao Bei and the others who did it. Tell me, why are your younger brother and sister, a group of little brats, so vengeful? "
"Isn't it good to have a vengeful heart? Let others know that if you want to provoke them, you have to bear their retaliation. If you don't have the means to kill them in one blow, then it's best not to try.
It's just like our Tang Empire. If other countries don't have the means to destroy Tang Empire in one blow, then they shouldn't lightly provoke us. Otherwise, they will have to bear the consequences that they can't bear. "
As Zhang Xiaobao spoke, he even put on a reasonable appearance. He didn't blame his younger siblings at all.
Wang Juan didn't say anything as she basked in the sun. She knew what Zhang Xiaobao was thinking. He wanted to see who would make use of this opportunity to add fuel to the fire. At that time, he would deal with them.
Naturally, he also had his own selfish motives. The ones who started the propaganda war were Xiao Bei and the others, so he wouldn't pursue this matter. If it was anyone else, he would deal with them together. After all, Xiao Bei and the others were still young. If he really wanted to pursue this matter, he would have to look at the two of them first. He clearly knew that his younger siblings weren't stable, so he didn't inform them beforehand.
How could Li Longji know what Zhang Xiaobao was thinking? Right now, he was worried that everyone in Tang Empire would withdraw their money. If that happened, the bank wouldn't be able to afford it. What would the result be?
Thus, he asked, "Then, what do we do now? Are we just going to let others take the money away? "
"That's right. That's how it will be for the time being. I've already left 20% of the reserve for the Great Tang Bank. This is the time to test them. I'll see what the managers of the various places do and how the chief manager arranges things.
If there isn't a bank run, I'll even help behind the scenes. Only then can we nurture people. Your money will go through another system, so there's no need to worry that the bank won't be able to support it. If there's really no other way, we can just take out your money and my family's money. No matter what, we should have at least 50% of the reserve. "
When Zhang Xiaobao finally revealed what was going on with the money, Li Longji felt even more depressed.
"Xiao Bao, why didn't you tell Us earlier? My money isn't in the bank? Then what am I worried about? I'm hungry. I want to eat steamed buns, big meat steamed buns, the kind with soup. "
Li Longji started thinking of other ways to get his money back.
"It seems like we're thinking of the same thing. I also want to eat soup dumplings. The noodles have already been served. I'll steam them in a moment," Zhang Xiaobao said with a smile.
"But Us wants to eat dumplings again." Li Longji changed his mind.
"This … Aiya, Your Majesty, you're making things difficult for me. You can't do this. A monarch doesn't take his words lightly." Zhang Xiaobao frowned and complained.
Li Longji seemed very satisfied. "I'm not making things difficult for you. I've decided to eat dumplings. I want one pot of steamed dumplings and one pot of boiled dumplings."
Just when Li Longji thought that Zhang Xiaobao would beg for mercy, a member of the inner court ran over from behind. Before he even got close, he said, "Young Master, the matter of making dumplings has already been arranged. There are three kinds of fillings. Do you want to go and mix the ingredients?"
"Right away." Zhang Xiaobao turned around and ran towards the ship's kitchen. He didn't forget to turn around and shout at Li Longji, "Your Majesty, this subject accepts the decree. Dumplings, steamed and boiled."
Li Longji looked at Zhang Xiaobao's departing figure, then at Wang Juan, who had also stood up and was about to leave. He said, "You're with such a shrewd person every day. Aren't you worried? Guess what Us heard a few days ago? "
"Aiya, Your Majesty, you've heard as well. There's indeed such a matter. I have to find Xiao Bao and have a good talk with him. How could he do such a thing?"
Wang Juan left behind these words and also left.
Li Longji was stunned. After a while, he muttered, "I don't even know what I heard. Xiao Bao, look at Cuckoo. She's so shrewd. Aren't you worried?"
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