There was no such thing as an impenetrable wall in the world. The news of the Mo Family Village building a silver vault on the Vermilion Bird Avenue spread out very quickly. Moreover, to the Mo Family, building a silver vault was not a secret, so they did not hide it from them.
"I heard that it was the Gongshu Family who built the bank for Mo Jiazi," an idler in Chang 'an City gossiped proudly.
"Didn't the Mo Family and the Gongshu Family hate each other? How could they work together?" many people exclaimed. Everyone knew about the conflict between the Mo Family and the Gongshu Family. How could they not be surprised when they worked together to build a bank?
"Did the Gongshu Family surrender to the Mo Family?"
"How is that possible? It's said that Mo Jiazi spent a lot of money to hire the Gongshu Family. The Gongshu Family would be fools if they didn't make money, "the idler sneered.
"In Mo Jiazi's' On Teachers', it was said that every profession has its own specialization. The Gongshu Family has always been specialized in the art of mechanism. It's reasonable that Mo Jiazi asked them to build a bank for him," a scholar said thoughtfully.
"But we can see how much Mo Jiazi values the bank. He didn't build the bank himself, but asked the Gongshu Family to build it for him."
"Everyone else is a bank, but the Mo Family is a bank. You can see how rich the Mo Family is!"
…
Everyone couldn't help but sigh. They were all guessing about this so-called bank and were trying to find out more information about it.
News of the Gongshu Family's peerless Mechanical Arts, the underground vault, and the gate weighing more than 50,000 kilograms made the people of Chang 'an gasp in amazement.
Countless people looked back at the place where they had hidden their money and could not help but feel speechless. All along, most of the ordinary people would bury their money deep in the ground as a mark. When the rich and powerful families built a treasury, they would build it in an extremely secretive manner, fearing that others would find out about it. However, the Mo family built a treasury and not only did it openly, they even made it known to the whole city, fearing that no one would know that the Mo family's money was hidden here.
"Money has never been exposed since ancient times. Is it because the world has changed, or the way they hide their money is wrong?" many people were speechless.
So far, the bank of the Mo Family Village had not been built yet, but it was already known to the whole city.
"Husband, isn't this a little too ostentatious?"
The discussions in Chang 'an naturally reached the Mo clan as well. Princess Changle could not help but worry when she heard about it. Since ancient times, the people of the world had always avoided the topic of money. However, Meton had done the opposite. He had openly built a treasury on the Vermillion Bird Avenue, as if he was afraid that the world would not know about it.
Meton shook his head and said, "It's universally acknowledged that the Village Mo's Village has become rich, and it's impossible to hide it. Instead of hiding it, it's better to admit it openly. This is also the reason why the Village Mo's Village publishes its financial statements every year."
"In addition, the bank is not only used to store the money of the Mo Family's village, but also has a great use. Only when the bank takes root in the Tang dynasty can the Mo Family's revival be the greatest opportunity," Meton said solemnly.
"It's that important?" Princess Changle asked in surprise.
Meton nodded and said, "I wonder if my wife has ever heard of the Double Breath."
"The Double Breath!" Princess Changle thought for a while and said, "It's from the Book of Han, Food and Merchandise Records: When you have it, you will sell it at half price, and when you die, you will take the Double Breath. It means to take one and return two. "
"Take one and return two." Meton raised his head and sighed, "It's a 100% usury. The Village Mo's Village controls the secret skills of the Mo Family, but the annual profit is only increased by 50%. Take one and return two. Even the Village Mo's Village may have to sell their properties to pay it off."
"Ah!" Princess Changle was shocked.
However, Meton smiled bitterly and said, "In fact, the Double Breath is not a big deal. As long as you are willing to cut your losses, you can pay it off. My wife, have you ever heard of the Rolling Donkey Loan Shark?"
"The Rolling Donkey Loan Shark?" Princess Changle shook her head blankly. Not only was the Rolling Donkey Loan Shark, but no one had even mentioned the Rolling Donkey Loan Shark.
"According to the donkey herder, donkeys are born with the habit of rolling. They usually roll on the ground after working to relieve their fatigue and absorb the sweat on their body with the dust. Another reason is to drive away the mosquitoes and flies on their body and relieve the itch. But sometimes it's just a game. When people lend money, the interest will be doubled if it's not paid when it's due. Interest on interest, the more you roll, the more you get, just like a donkey rolling. That's why it's called the Rolling Donkey Loan Shark. It's also the most common loan method in the Tang dynasty. "Meton's voice was mixed with a trace of anger.
"I see. Doesn't it mean that you have to pay a lot of money?" Princess Changle said, not fully understanding.
"A lot of money?" Meton shook his head and said, "No, it's money that you can't pay back in your lifetime!"
Princess Changle looked at Meton in confusion.
Meton's heart skipped a beat and said, "Why don't you and I play a little game where one copper coin doubles for a month? I think you'll understand."
"One copper coin doubles for a month?" Princess Changle was very interested. It was the first time she interacted with Meton like this, so she couldn't help but look forward to it.
Meton nodded and said, "You give me one copper coin on the first day, and double it on the second day, which is two copper coins, and so on. You'll give me one whole month."
"What's so difficult about that? Here! Here's one copper coin! "Princess Changle said playfully. She took out a money bag and put one copper coin in Meton's hand.
Meton accepted it without hesitation and said, "What about the second day?"
"Two copper coins!"
"The third day!"
"Four copper coins!"
"The fourth day, the fifth day …"
In the beginning, Princess Changle paid very easily. However, on the tenth day, her face gradually turned serious. At this point, she could only use pen and paper to calculate.
"The twentieth day!"
"Five hundred twenty-four strings, two hundred eighty-eight copper coins!" Princess Changle's voice trembled. She didn't expect that one copper coin would reach such a shocking number in just twenty days.
"The twenty-first day …"
Every day Meton reported, Princess Changle's body couldn't help but tremble.
"The thirtieth day!"
"Five hundred thirty-six thousand eight hundred seventy strings, nine hundred twelve copper coins." Princess Changle was sweating profusely. She looked at the number in front of her with a shocked expression. Fortunately, her mathematics was still passable, so she calculated it. However, when such a huge number came from her own hands, she had to calculate it three times before she believed it was a fact.
"That's more than five hundred million! If the interest of one copper coin is doubled every day, using the method of rolling interest, one would have to pay back more than five hundred million in a month. Now, you should know the danger of rolling on donkeys. Anyone who borrows money and can't pay it back will never be able to make a comeback, even in the Village Mo. "Meton said faintly.
"Then why do people still borrow money at such a high interest rate?" Princess Changle said with lingering fear.
Meton said bitterly, "Some people are driven to desperation, some are lucky and think that they can pay it back. Of course, there are more people who don't understand the seriousness of it. In the end, they can only fall into the abyss step by step. Their families are ruined, and their wives and children are separated. Just the merchants who do business with the Village Mo have been deeply involved in it and ended miserably."
"Rolling on donkeys is so dangerous, it's really abominable!" Princess Changle said with deep hatred.
Meton nodded in agreement and said, "This is also the reason why I banned brothels and casinos in the Village Mo. These two industries are inextricably linked with usury."
If brothels and casinos were allowed to enter the Village Mo, the revival of the Mo family would be nothing but empty talk. Now the Village Mo had been expelled from the brothels and casinos. As for the bank, he would run it himself.
If the Mo family wanted to fully revive, the Mo skill should take root and sprout in the Tang dynasty. However, the carrier of the development of the Mo skill was various large and small industries. As everyone knew, the industry was the most expensive industry. Ordinary people didn't have so much spare money to develop the industry. Only the bank could gather a lot of money and use it to support the construction of the industry.
The existing financial institutions in the Tang dynasty were the banks, which were the real usurers who ate people and drank blood. Once they borrowed money from the banks, they would probably swallow people and blood. They were not the help of the Mo family, but the hindrance. This was the reason why Meton tried his best to build the bank with great momentum.
On the one hand, it was to raise funds for the construction of the Village Mo. On the other hand, it was to be the catfish of the financial industry in the Tang dynasty. Once the bank became popular in the Tang dynasty, it would be the spring of the handicraft industry in the Tang dynasty.
Princess Changle couldn't help but look at Meton proudly. Everyone in the world was thinking about how to exploit others to make money, but Meton was more far-sighted.
"But won't those husbands offend the usurers by doing this?" Princess Changle said worriedly. She was no longer a simple canary in the palace. Naturally, she knew that the usurers were so rich that it involved a lot of people behind them.
Meton nodded solemnly and said, "I have already thought about it this time, and I have long wanted to learn Buddhism."
"Buddhism! Buddhism! " Princess Changle exclaimed in shock. She had never imagined that the beneficiary of the loan sharks would actually be the normally amiable and benevolent Buddhist.
Meton also felt it incredible. When he decided to build the bank, he was destined to be in conflict with the banks. Naturally, he had to investigate the ins and outs of these banks. However, to his great surprise, the biggest bankers behind the banks turned out to be those Buddhist temples.
Buddhism had the 13 staff-using monks of Shaolin who saved the Tang Emperor. Although it was not as glorious as Taoism, it also developed smoothly. Many Buddhist temples were full of incense and had a lot of money. In addition, there were many Buddhist fields under their name, so they didn't need to pay taxes at all. They had accumulated a considerable amount of wealth. Therefore, these monks lent the incense money donated by these believers to poor believers. If the believers couldn't pay back the debt on time, they would use the land under the believers' name to pay the debt. How ironic this was!
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