Chapter 1888 New Law Proposal Is Out

"The precipitation here is not good. Where does the cold air flow come from? The air pressure is also low. Let's go and see Mu Laozhang."

Lijiazhuangzi, Li Yi knew that a thousand prisoners would arrive tomorrow, but he was thinking about the situation of the elderly.

Many times, people's sudden illnesses are affected by the environment, such as hot weather, cold weather, low air pressure, heavy moisture, reduced oxygen content in the air, and increased sulfur dioxide concentration in the air...

In addition, there are dietary factors. If you eat too much at night, your body will have problems adjusting during sleep. Coupled with changes in the magnetic field, more people will die between midnight and early morning.

Some people in Lijiazhuangzi also passed away. The elderly people had too many old illnesses, and Li Yi couldn't help them nurse them back to health.

Fortunately, there are only a few of them, and the others are taking care of them slowly. With a good mood and a general check-up, Li Yi feels that he can live a few more years.

When I found Li Dan, he was sitting by the floor-to-ceiling window, reading an economics book.

There was a teapot next to him and no oxygen bag, indicating that he was in good health.

"Xiao Yi and Wen Tian are here!" Li Dan put down the book and poured tea himself, washing the cup first.

Li Yi took the blood pressure monitor and put it on Li Dan, put the stethoscope inside, and measured it three times in a row: "Good health."

"It's all thanks to Xiao Yi's great ability. Do you think Jingzhaofu Cabinet Shop is having an easy time now?"

Li Dan was reading an economics book and happened to see a section on finance.

He thought about the exchange certificates and public money, plus the purchase loan provided by Lijiazhuangzi, and he thought about the private counter shop.

The so-called private sector has families, clans, and officials behind it, including people in the palace.

The cabinet shop in Jingzhao Mansion can be responsible for mortgage leasing, sending things, mortgaging real estate and valuables, and lending money to outsiders.

With the emergence of exchange coupons, people did not use copper coins, silk, or gold as currency, but sent them directly to Lijiazhuangzi to exchange for banknotes.

The business of posting is useless. If I don't leave the things with you, I still have to pay you for leaving them. I'll take a walk with the exchange coupons.

The interest on public money is going down, and the interest is 10% in the first month, and interest is collected on a monthly basis.

Borrow 40,000 yuan, with a monthly interest of 4,000 yuan. After one month, you will pay back 4,000 yuan, and this money will be used as principal to continue lending.

Some places even require that 7,333 yuan be paid back a month with interest on the principal. If the principal is repaid, the interest will still be paid based on the total principal.

Businessmen were being exploited in this way, and there were still large families in the area who had to borrow money.

As the imperial court had more money than the public servants could use, the officials' salaries were directly allocated by the Ministry of Household Affairs.

Li Yi insists on the existence of public money, cancels monthly interest, calculates interest on an annual basis, and repays the principal and interest in December.

The annual interest rate is 12%, or 12%.

To borrow money to buy cattle, you don’t have to come up with money to pay back every month, and the people benefit from this.

If you earn back the money within six months, you can repay the loan in advance and interest will be calculated on a daily basis.

Loans in business are different, with monthly interest settlement and a short capital turnover cycle.

The interest rate on public money is low, which makes the shop feel uncomfortable and affects them.

They tried to find ways, such as the people behind it, to ban public money and low interest rates, but obviously they didn't succeed.

They also thought about joining forces to borrow money from the public house and lend it themselves.

When borrowing money from public houses, large amounts of money must be checked and passed through various means, such as sending merchants to borrow.

The public money is not fixed, and the fund pool can be large or small. The court can take out 10 million yuan and release it, can it be borrowed?

If you dare to borrow 10 million min, Li Jia Zhuangzi will borrow another 10 million min, will you borrow it again?

Borrowing money requires collateral, and the value of the collateral is discounted by less than 50%. A maximum of 50% can be borrowed for a hundred coins.

You can't have something worth 40 million yuan, right? True enough, Lijiazhuangzi continued to provide funding.

When your interest is recovered, the overpayment will be eliminated.

Li Dan knew all these things. He read them in books and felt that he had a better way.

Li Yi had nothing to hide. He nodded and then shook his head: "There is an impact, but the interest counter shop will still make money. The better the price control, the more stable the economy will be, and the more developed finance will be."

"In ordinary circumstances, who would lend money?" Li Dan was very sorry. It turned out that he could not kill others by attacking him.

“Society is stable, commercial lending has increased, and non-commercial lending has decreased.

People have money and food in their hands and no longer borrow money to buy food. This is a non-commercial loan.

People want to build greenhouses but have no money, so they borrow money to build them. This is commercial.

The less non-commercial borrowing, the stronger the country’s economic foundation.

The more commercial borrowing, the more prosperous the country's economy is, and the risks increase.

At present, the existing financial industry does not directly participate in risky business investment and only provides simple basic social financial services. "

Li Yi didn't like the current counter shop, which had a single product range, was small in scale, and had poor linkage with other places.

He didn't stop it because of the needs of social development, and he didn't immediately participate because Datang's economic development had not yet reached that point.

"Xiao Yi, I have an idea." After hearing this, Li Dan wanted to show off his skills.

"Please, father-in-law." Li Yi pulled Princess Yongmu to sit down. You speak and I listen.

"The people's wealth is increasing day by day, and commerce is prosperous. However, commerce lacks money. The public money collects the people's wealth and lends it to the merchants, who profit from it.

Railway construction requires money. You can discuss with the people and put the money in public money to build roads. When the railway becomes profitable, you will be given dividends.

In addition, when the imperial court invites bids for infrastructure construction, the deposit should be placed in public money. If the bidding continues, public money will come in and out, and the extra money will be used for lending. UU Reading www. uukａｎshu.net

Although the profit is small, it is like a trickle, which is better than sitting idle. What do you think? "

Li Dan figured it out by reading books by himself. He is so amazing. Which emperor before him could have such ability?

If you don’t believe me, look at Xiao Yi. He is stunned, right? He is scared!

Li Yi did open his mouth slightly, took a look at the book Li Dan was reading, and then looked at Li Dan himself.

This book... why don’t you finish it?

You read a little bit of the front, so you have to take a small part of the back? Otherwise, you can’t finish reading it all and deliberately take credit?

“Xiao Yi! Xiao Yi, have some tea.” Li Dan is waiting. Hurry up and praise me, don’t just be in a daze.

I know my idea is good, and you are also good in other aspects.

You are still young, and you don’t think about some things comprehensively. You can still improve in the future!

“Oh!” Li Yi took a sip of tea: “Mu Laozhang’s words are really high-level and enlightening. This book... I have another one, change it.”

Li Yi reached out to take the book that Li Dan was reading. He couldn’t ask him to read it again, otherwise he would find that the ideas he gave were too shallow after reading the back. Health is important.

"No, no, no, I need to read more. Maybe after reading it once, I can come up with a new method."

Li Dan stretched out his hand and snatched the book, hoping that it would give him more ideas.

"Good! Mr. Mu, look at this tea, green tea, it turns out that most of it is fermented tea, it seems that this kind of tea is discovered by me.

In fact, it is not true. People in other places may have made it in general, but they just drink it at home and never show it to others.

Therefore, anyone who makes green tea should not belittle himself when he sees someone making green tea in advance.

The idea is the most important. Even if it is discovered that Chang'an already has green tea, the green tea developed by oneself is still precious."

Li Yi hesitated for a moment and talked about tea.

Others thought of it, and I thought of it before I saw it. I can't say I'm stupid, right?