"The precipitation is not good. Where did the cold air flow come from? The air pressure is also low. Let's go and see Mr. Mu. "
In Li Family Zhuangzi, Li Yi knew that 1,000 captives would arrive tomorrow, but he was considering the situation of the elderly.
Many times, sudden illnesses were affected by the environment. Hot weather, cold weather, low air pressure, high humidity, low oxygen content, high sulfur dioxide concentration in the air …
In addition, there were also factors related to diet. If one ate too much at night, the body would have problems adjusting during sleep. Coupled with the change of the magnetic field, there were many people who died in the middle of the night.
There were also people who died in Li Family Zhuangzi. Those who were old had too many old diseases. Li Yi couldn't nurse them back to health no matter how hard he tried.
Fortunately, there were only a few of them. The others could take their time to recuperate. In addition, he was in a good mood and always checked. Li Yi felt that they could live for a few more years.
When he found Li Dan, Li Dan was sitting next to the floor-to-ceiling window, reading an economics book.
There was a teapot next to him. There was no oxygen bag, which meant that he was in good health.
"Xiao Yi and Wen Tian are here!" Li Dan put down the book and poured tea for himself. He washed the cup first.
Li Yi put on the blood pressure monitor for Li Dan. He put the stethoscope inside and tested three times in a row. "You are healthy."
"It's all because of Xiao Yi's ability. Do you think the cabinet shop of the imperial government is doing well now?"
Li Dan was reading an economics book and happened to see a section on finance.
He thought of the exchange coupons and public funds, plus the loan provided by the Li Family Zhuangzi to buy goods. He was thinking about the cabinet shop of the 'private' camp.
The so-called 'private' camp was backed by the family, the imperial family, the officials, and the people in the palace.
The cabinet shop of the imperial government could be responsible for mortgaging, leasing, sending things, mortgaging real estate, valuables, and lending money.
With the appearance of the exchange coupons, the common people didn't use copper coins, silk, or gold as currency. They directly sent things to the Li Family Zhuangzi to exchange for paper money.
The business of sending things out lost its function. If they didn't leave things with you, they would pay you. They would take the exchange coupons with them.
The interest of the public funds dropped. In the beginning, the interest was 10% per month, and the interest was collected monthly.
If he borrowed forty thousand dollars, the monthly interest would be four thousand dollars. After a month, he would have to pay back four thousand dollars. This amount of money would then be used as the principal to continue lending.
Some places even required one to pay 7,333 qian per month with interest. Even if the principal was repaid, the interest would still be based on the total principal.
The merchants were exploited just like that. There were also the rich families in the area who had to borrow money.
As the Imperial Court had more money, there was no need for public funds. The salaries of the officials were directly paid by the Ministry of Revenue.
Li Yi insisted on the existence of the public debt. The monthly interest was cancelled and the interest would be calculated on a yearly basis. The principal and interest would be repaid in December.
The annual interest is 12%, or 12%.
By borrowing money to buy cows, they didn't need to fork out money every month to repay the debt. The people benefited from this.
For example, if the money earned in six months was repaid in advance, the interest would be calculated daily.
Business loans were different. Interest was settled on a monthly basis, and the capital turnover cycle was short.
The interest rate on public funds was low, and the counter workshop was suffering.
They tried to think of a way, such as the person behind the scenes, to ban the low interest rate on public money, but obviously, it didn't work.
They also considered joining forces and borrowing the public funds so that they could lend money themselves.
If they borrowed from the public funds, the large amount of money would be checked and approved through various means, such as sending merchants to borrow money.
The public funds were not fixed, and the capital pool could be big or small. The Imperial Court could take out 10 million taels to lend. Would they lend it?
If they dared to borrow 10 million taels, the Li Family Zhuangzi would lend another 10 million taels. Would they still lend it?
Borrowing money required collateral. The collateral's value would be less than 50%. Something worth 100 taels could be lent at most 50 taels.
You couldn't have something worth 40 million taels, right? If that was the case, the Li Family Zhuangzi would continue to provide funds.
When you get your interest back, the excess core will be eliminated.
Li Dan knew about this. He read books and felt that he had a better idea.
Li Yi didn't have anything to hide. He nodded and then shook his head. "The impact is there, but the interest counter workshop will still make money. The better the price control, the more stable the economy, and the more developed the finance. "
"Under normal circumstances, who would lend money?" Li Dan was quite regretful. It turned out that the impact couldn't kill people.
"When the society is stable, commercial loans will increase, and non-commercial loans will decrease.
The people have money and food in their hands, and they will no longer borrow money to buy food. This is a non-commercial loan.
The people want to build greenhouses, but they don't have money, so they borrow money to build greenhouses. This is a commercial loan.
The less non-commercial loans, the more solid the country's economic foundation is.
The more commercial loans, the more prosperous the country's economic development is. At the same time, the risks are increased.
At present, the current financial industry doesn't directly participate in risky commercial investments. It only provides simple social financial basic services. "
Li Yi didn't take a fancy to the current counter workshop. The products were limited, the scale was small, and the connection with other places was poor.
He didn't stop it because it was necessary for social development. He didn't participate because the Tang dynasty's economic development hadn't reached that stage yet.
"Xiao Yi, I have an idea." Li Dan listened and wanted to show off his ability.
"Sir, please." Li Yi pulled Princess Yongmu to sit down. "You talk, I'm listening."
"The people's wealth is increasing day by day. The business is prosperous, but the business is lacking money. The public funds take the people's money and lend it to the businessmen to profit.
The construction of the railway needs money. We can discuss with the people and put the money in the public funds to build the road. When the railway makes a profit, dividends will be given.
In addition, the court's infrastructure construction bid should put the deposit in the public funds. If the bid continues, the public funds will go in and out. The extra money can be used to lend money.
Although the profit is small, it's like a trickle. It's better than leaving it idle. What do you think? "
Li Dan figured it out by himself. He was too amazing. Which emperor in the past had this ability?
If you don't believe me, look at Xiao Yi. He's stunned, right? Even he was frightened!
Li Yi's mouth was slightly open. He looked at the book Li Dan was reading and then looked at Li Dan.
This book … why didn't you finish reading it?
You read a little in the front, so you took out a little in the back? Otherwise, you wouldn't finish reading it and deliberately take the credit, right?
"Xiao Yi! Xiao Yi, drink tea. "Li Dan was waiting. Hurry up and praise me. Don't just stand there.
I know my idea is good. You're also good in other aspects.
You're still young. Some things are not comprehensive enough. You can still improve in the future!
"Oh!" Li Yi took a sip of tea. "Elder Mu's words are really good and enlightening. This book … I have another one. Let's exchange."
Li Yi reached out to take the book Li Dan was reading. He couldn't ask him to continue reading. Otherwise, he would realize that his idea was too shallow. Health was more important.
"No, no, no. I want to read more. Maybe after reading it once, I'll come up with a new idea."
Li Dan reached out and grabbed the book. He was hoping that this book would give him more ideas.
"Good! Elder Mu, look at this tea. Green tea is mostly fermented tea. It seems that this tea was discovered by me.
In fact, it's not. People in other places might have also made it. They just drank it in their own homes and never showed it to others.
Therefore, anyone who makes green tea should not belittle themselves because they see someone else make green tea in advance.
The idea is the most important. Even if you find out that there are green tea in Chang 'an, the green tea you made is still precious. "
Li Yi hesitated for a moment and talked about the tea.
Others thought of it, but he also thought of it before he saw it. He couldn't say that he was stupid, right?
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