"Have the emperor ever thought about establishing a national bank? In this way, we can get a lot of money in the shortest time, and this also has a good promoting effect on the Tang Dynasty's economy." Zhang Nan said.

"Bank? What is that?" Li Er asked in confusion.

"Simply put, it means putting the money that our Tang people have at home into our treasury." Zhang Nan said with a smile.

"No! Qingquan, what nonsense are you talking about? How can I do such a thing? Even Emperor Yang of Sui can't do such a foolish thing." When Li Er heard Zhang Nan say this, he shook his head and expressed that he did not agree with Zhang Nan's idea.

Indeed, in Li Er's opinion, even though he was as stupid as Emperor Yang of Sui, he frantically plundered people's wealth and missed people's labor, he did not directly rob the money from the people's money bags.

"Your Majesty, please listen to me first." Zhang Nan said.

"What else can I say? How can I use this method? Even if I am short of money, I will not put my hand into the pockets of my Tang people." Li Er said firmly.

"This is just a metaphor. Your Majesty, don't be excited. You are not asking our people directly for money and putting it into our treasury." Zhang Nan said.

After hearing Zhang Nan say this, Li Er's expression eased a little, and then nodded and said, "Then you continue to talk about what your so-called bank is?"

"If you go back to the emperor, I am the bank, so I will let the people deposit the money they have at home in the bank. Of course, if the people deposit their money, I will not treat them badly, but will give them interest. The longer they deposit, the more interest they will receive." Zhang Nan said.

"What does this mean? Since you can save it, you can take it?" Li Er had no idea.

"Of course, the people's money is put here, and the bank only provides a temporary storage function. This is not our money, so the people will withdraw whenever they want. This is their freedom." Zhang Nan spread his hands and said.

"Then why do I feel that this thing can't make any money?" Li Er looked at Zhang Nan with an idiot's look and said.

"You also said that the people deposit money in your bank. You just play a custody role. The people take it back whenever they want. After they have been kept for a long time, you have to pay the people interest, but in this way, the money in your bank will not increase. Isn't this a loss-making transaction?" Li Er said in confusion.

In Li Er's opinion, Zhang Nan is definitely not the kind of person who can do business at a loss. At least Li Er has never seen Zhang Nan do business at a loss. Zhang Nan is like the spokesperson for that sentence.

"You may make a small profit, but I will definitely not lose."

"Of course I won't lose money. I haven't told you how to make money yet. Master, do you know how this business is done?" Zhang Nan asked with a smile.

"Haha, although I am not as good as you in this business approach, Qingquan, if you think I don't even know this, is it a bit too much?" Li Er said with a blank look at Zhang Nan.

"Since the emperor knows, then you can talk about it." Zhang Nan still looked unyielding.

Seeing Zhang Nan's persistent appearance, Li Er had to sigh and said, "Of course, I bought it at a low price and sold it at a high price. This is also the reason why these merchants have not been respected since ancient times."

In fact, what Li Er said was right. The differences between scholars, peasants, industry and commerce in ancient times were very obvious. No matter how rich he was, unless the money flowed in his hands could shake the root of a country, the merchant would not be able to be taken seriously.

Because merchants themselves do not produce means of production, what they do is just to pull the things here and earn one of the differences, which is why the ancients believed that merchants were despised.

"That's right, it's to buy at a low price and sell at a high price. Now the emperor treats the money deposited by the people in the bank as goods bought at a low price. Our bank also supports the function of lending. If someone comes to the bank to borrow, we will bring it to him by collecting interest. Of course, this interest is much more than the interest we pay to the people. Of course, the amount will generally be larger, but in essence, the money is still the same." Zhang Nan said.

After hearing Zhang Nan's words, Li Er stared at Zhang Nan for a long time, and Zhang Nan felt so sad.

"Your Majesty, why do you want to look at me like this?" Zhang Nan suddenly made a move of wrapping his hands around his chest. After seeing this, Li Er turned his head and waved his hand to tell Zhang Nan not to be fooled.

"Sometimes I really want to know how your head grows in you? You can also think of such a way to make money? This is simply a business without any money." Li Er said excitedly.

That’s right, this is actually buying without a bank, if you really want to run a bank, the cost is much lower. As Zhang Nan said, the money you earn is a lot.

"In fact, it is not considered a transaction that is not a cost-free. Our cost is our Tang Dynasty, or your reputation, because this bank can only be established under the banner of the Emperor and the Tang Dynasty, and it is not something that a certain person or a certain business can do. They cannot have such great influence in the Tang Dynasty." Zhang Nan said.

Zhang Nan's initial idea was to establish a national Datang Bank. Although Chang'an City is a large population, it would not be the case if it was placed in the entire country of Datang. Therefore, the establishment of banks must be established in all the major prefectures of Datang, so that banks can ensure that the banks have enough principal to carry out lending and investment activities.

"There is no problem with what you said." Li Er nodded and said.

"But how do you guarantee that the people will deposit all their money in the bank obediently? Even if the name of the Tang Dynasty is placed on it, not everyone is willing to deposit money in the bank. What's more, the people of our Tang Dynasty are not rich, and the money that a person can deposit into the bank is only a few hundred cents." Li Er asked.

"Haha, my elders, do you really think that I am staring at the money in the pockets of our Tang people? Of course, the money of the people is also a great source of income, but you think about it, our Tang Dynasty group has a lot of wealth, but it will not disperse all the money in a short time?" Zhang Nan asked with a smile on his face.

After hearing Zhang Nan’s question, Li Er shouted two words without thinking: “Businessman!”
Chapter completed!