After Wu Huifei finished speaking, she looked at everyone's faces.
Empress Wang was at a loss. She didn't know what was going on. Gao Lishi was helpless. Li Longji and Weiwei opened their mouths. Zhang Xiaobao and Wang Juan were calm.
Because they knew that someone would think of this problem. The Five Baht Note was created for this reason, as well as the Law Roll and the Zimbabwe Money of nearly a hundred years ago.
This time, they didn't answer. Li Longji shook his head and said, "My dear concubine, it won't work. If we really issue money, it will be like killing the chicken to get the eggs. The more money we issue, the more expensive the goods will be. Unless when we issue money, the Great Tang doesn't have the Imperial Court to buy things. Instead, the money will be directly sent to every Tang person according to a certain proportion.
And even if that's the case, the amount of money involved in the contracts signed by some people in the past will also be unbalanced. Think of another way. Don't mention this in the future. "
Wu Huifei didn't say anything. She lowered her head and continued to think.
Zhang Xiaobao and Wang Juan continued eating their own dumplings. Gao Lishi, on the other hand, ate two dumplings. He wanted to figure out what other tricks Zhang Xiaobao had up his sleeve. Seeing that Zhang Xiaobao was almost done eating and drinking soup, he asked,
"Xiao Bao, since we can't directly achieve our goal by issuing money, is there any other way to get through this crisis without using your family's and His Majesty's money?"
"There are several methods. The first is that the bank borrows money from the underground bank. If it's discussed well, it can even borrow money at a very low interest rate. As long as you give the other party a promise, when the other party needs money, the Great Tang Bank will also provide the money at a very low interest rate.
However, I don't agree with this method. Now that I'm in charge, the Great Tang Bank won't have a big problem for the time being. If one day I'm not in charge, it's very likely that the Great Tang Bank won't lend the money even though it clearly has the money to lend.
They would lend the money to the underground banks at a much higher interest rate, and then the underground banks would take the money and lend it to others at several times the interest rate of the Great Tang Bank.
Next year, the capital will be allowed to exist, but it will absolutely not be allowed to exist in such an unbridled and unbridled manner. Thus, if the Great Tang Bank borrows money from the underground bank and the interest is not good, I will not care, but I will not allow the manager of the Great Tang Bank to make any promises. "
Zhang Xiaobao suggested a solution.
Wang Juan nodded. She knew that this was a common phenomenon. No matter which system it was, it was impossible to eliminate private capital, because the emergence of the banking industry was caused by the demand of private capital.
It was not an independent industry in the first place. If it was truly independent, there would be no need for it to exist, and it would lose the soil for survival.
Moreover, in some countries with certain systems, the country sometimes had to directly borrow money from the private capital. Even in their own country, there were also national debts.
Li Longji and the others listened, and Weiwei nodded.
Wu Huifei's eyes lit up even more, and she asked, "Xiao Bao, according to what you said, if the private underground banks unite, they can directly attack the Great Tang Bank, right? They can first deposit their money in the Great Tang Bank, and then wait for the Great Tang Bank to lend them money, and then they can just run on it? "
"Yes, in theory, this is the case. Such a situation can also occur, and it can even cause a country to go bankrupt. However, that is under the condition that other foreign capital enters, and it is because the country's own productivity cannot keep up.
If a country does not seek fundamental development, but uses extreme financial means to obtain more foreign currency support, and wants to borrow the chicken to lay eggs, then the result will be that the chicken is gone, the eggs are gone, and even the nest will be torn down.
After dealing with the matter in Jiangzhou, Cuckoo and I will go to the place where the Turks were originally located. I will use money to open the way and go to other countries to stir up trouble. First, I will give them some benefits, and when the time comes, I will withdraw the money that I invested. When the time comes, it will be much easier to fight them. "
Zhang Xiaobao followed this topic and explained in detail what he had said to Li Longji, so that people could understand the matter more clearly.
Wang Juan also said, "Let alone a small country, even a country larger than the Great Tang can also fall into an unimaginable crisis if we use good methods.
To deal with a small country, we only need to use economic sanctions. The prerequisite is that before the economic sanctions start, we have to let the other party form a close relationship with our economy. Moreover, we have to use necessary methods to impact the other party's economic system and make it unbalanced.
Targeting agricultural products is the most effective method. For example, in the current Silla, Xiao Bao still hasn't used the final step of sanctions. This is to further wear down the unity of the people. Otherwise, the other party will easily start a war. Even if they clearly know that they can't win, they will still fight.
But once they lose the hearts of the people, will they still need to use force? They grow a lot of cotton, and cotton can't be eaten. Stop the supply of food and support a few factions within their ranks. Let them play around. "
Wu Huifei had understood this matter, so she agreed. "It should be about half a year. At that time, the summer grain will be harvested. This consort is looking forward to Cuckoo, do you have any other methods to make the Great Tang Bank suffer an attack?"
"Yes, the Great Tang Bank directly borrows money from the Imperial Court. The Imperial Court has the money, or the bank itself issues bonds. If the two are not enough, then take out the gold and silver and directly exchange it for the currently popular paper money.
This is also the reason why Xiao Bao obtained so much gold and silver and didn't circulate it. Xiao Bao is afraid that when he is busy, someone will do bad things behind his back and he won't be able to control it. "
Wang Juan mentioned two more methods. These were all commonly used methods. Let alone the bank, even the country had used them before.
Of course, she also knew that all methods were ultimately superficial. The most important thing was whether the country used the power of politics. The currency issued by the country didn't match the actual resources and exceeded a certain ratio.
"Okay, okay, Consort Hui, eat first. There are many ways. Just like marching to war, we have to change our tactics and not stick to formality. We also want to see how big of a wave this run on the banks will cause, and if the Great Tang's economic system is as sturdy as imagined."
Seeing that Wu Huifei still wanted to ask more, Li Longji spoke out to dissuade her.
Only then did Wu Huifei realize that she had only eaten two dumplings and was still hungry. Unfortunately, Xiao Bao had specially prepared the stuffing, so she lowered her head and ate.
*****
While the cabin was calm and tranquil, the Great Tang outside was in the midst of a storm.
Because the telegram had only reached the county level and not the village level, when the rumor appeared, it hadn't spread to the villages yet.
Only in the prefectures and counties could they hear the news that the Great Tang Bank had run out of money.
This caused an uproar, and everyone had different reactions. The people who were most worried were those who had some assets in the bank and waited for interest.
When they heard that the Great Tang Bank had run out of money, the first thing they thought of was to take their deposit certificates and try withdrawing the money.
There was also a group of people who wanted to see the world in chaos. Not only did they withdraw the money themselves, they even told others that the Great Tang Bank only had this little bit of money, and if they took too long to withdraw it, it would be gone.
The people who were the most calm were the businessmen. When they heard the rumor, they sneered. Those who had never played the game of Monopoly would never know the power of those who could enter the top 100. If they didn't know the power of those people, they wouldn't be able to imagine the power of Zhang Xiaobao, who was above them.
The businessmen were very sure that Zhang Xiaobao was an invincible existence. How could he let the Great Tang Bank have any problems? Therefore, most of the businessmen didn't care about the nagging of their wives. If they were annoyed, they would directly use the family law. How could they not control them?
Since the merchants did not move, the impact on the banks was much smaller. The managers of the banks in various places kept sending telegrams and specifically went to find the local merchants to discuss matters. They suggested that if they really could not come up with cash to pay, they could borrow a portion of the money from the other party to deal with the emergency.
In addition to these two groups of people, there was another group of people who were rich. They didn't have much money at home, but they weren't poor to the extent that they couldn't eat. They had some savings in the bank.
This group of people belonged to the lowest class of people. They lived frugally and saved the money they had left in the bank. This gave them confidence, and at least they didn't have to worry about their lives.
When many of them heard that the Great Tang Bank had a problem because of a temporary loan, and what they were most afraid of was that everyone would withdraw money only to find that the money they had lent would not be returned, those in charge of the family all sighed and then took out their deposit certificates, looked at them, and put them away in a different place.
"Husband, the Great Tang Bank has no money. Right now, there are people lining up at the Great Tang Bank on the other side of the road to withdraw money. Where's our family's passbook?"
In a craftsman's house, a man was working on a piece of wood furniture. The rough shape was already done. Now, he was using a carving knife to carve patterns on the furniture. A woman came in and shouted.
The man's hands didn't stop moving and he softly replied, "Got it."
"Where's our family's passbook? Quickly take it out. I'll go get it too. If I don't go now, it will be too late. "When the woman saw the man's expression, she was very angry and urged him.
"I'm not taking it out." The man replied with two words.
"If you don't take it out, it's gone." The woman had a look of disappointment on her face.
The man's knife was still carving on the wood. It was a cloud. It had no fixed shape and its shape was casual, but it was like a gentle breeze.
"I'll go get it myself." The woman angrily went into the house. After a while, she came out with an ugly expression and asked, "Where's the passbook?"
"I put it away. There are still people who owe money to the Great Tang Bank. They haven't returned it yet. When they return it, the bank will have money again. What's the hurry?"
The man said a few more words this time, but the carving knife didn't stop.
"You prodigal man, return it back? What if it collapses early? All the hard-earned money will be gone. You, you tell me, where did you put it? "The woman's eyes widened.
"If you don't return it back, you'll give it to the bank. The money, I don't want it. When we bought this house, we borrowed money from the bank. Did the bank charge us interest? When they helped us, we were happy. Now that they are in trouble, you want me to hit them when they are down? If I were this kind of person, I would let down the Great Tang Bank today and do something bad to you tomorrow. "
The man finally stopped what he was doing and turned his head to the woman and shouted.
The woman withered: "Then, then you really don't want the money?"
"If you can get it back, then get it back. If you can't get it back, then don't get it back. The children don't need money to go to school, and we don't need money to see the doctor. I can still feed you with these two hands."
The man said slowly and firmly.
"Father, mother, I'm back. Mother, guess what good thing I encountered today. What is it?" While the husband and wife were talking, a little boy ran in with an even smaller little girl. As soon as they entered the courtyard, they shouted happily.
"What good thing? The family's money is almost gone. "The woman complained in a low voice, but after being glared at by the man, she didn't dare to say more.
"It's Xiao Bei. Mother, you know Xiao Bei, right? She is the Tang Dynasty's Patrol Inspector. She got a lot of money and wants to build four thousand places in our Tang Dynasty. In our county, there is a precious candy house. I went to ask, and the workers said that they want to build a fun place with a mirror.
When it is built, my sister and I will go there to play. We don't need a single cent. Also, the little cripple grandson that the old cripple picked up can go there to get money. Every month, all the children who are not in good health can go there.
Also, mother, you don't have work to do, right? I heard that there is a place where you don't need to pay money or pay taxes. When the time comes, you can ask if people like you can join. "
The little boy said happily. The little girl wanted to interrupt but couldn't. She was so anxious that she jumped at the side and kept nodding.
When the woman heard this, she was stunned. The man was also stunned.
"Father, the Tang Dynasty Bank is managed by Xiao Bao. Xiao Bei is Xiao Bao's sister, right? Do you think he took out all the money to do this? They should have done it bit by bit. Why do they need to make four thousand at once? This … this …. "
The woman also started to get anxious.
"If they make a few, will it be our county's turn? Go, take out my screen and sell it. Buy it at a cheaper price. Don't wait for it to be expensive. After you buy the money, take it to the bank and deposit it. "
The man said and turned back to continue carving.
The woman stood there and twisted the hem of her clothes. She thought for a while and gritted her teeth: "Child, come with mother to get the screen. The Tang Dynasty Bank can't collapse, and neither can the Zhang Family and Wang Family."
"Ah! Let's go. "The little boy agreed and ran to the warehouse with his mother.
This family was not the only one who had made a choice. Many commoners were also doing what they felt they should do.
Therefore, at the entrance of various places in the Tang Dynasty Bank, there were different scenes. Some people were lining up to withdraw money, while others were lining up to deposit money.
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