Queen Changsun was stunned for a moment. She thought there was something wrong with her ear. Could it be that she heard it wrong? What did Li Mu say? He only had one to three cents of interest? How could this be possible?!

"Li Mu, you said that there is only one to three cents of interest, but if you have a loan of 10,000 guan, the annual interest rate is only 3,000 guan?"

Li Mu nodded and said, "The queen is not bad at all, that's what she means!"

Empress Changsun looked at Li Mu as if looking at a fool and said, "Li Mu, do you know how much interest the government lends? If you lend like this, if someone takes all the money out and then lends it out casually, then the profits that this person will make greater than the profits you get. Wouldn't this be a wedding dress for others?"

"Please report carefully to the Queen."

Li Mu had a confident smile on his face. What he liked the most was this part, like a tour guide, doing popular science for a piece of white paper in the Tang Dynasty.

"I have learned about the current lending situation in the Tang Dynasty. I am bluntly saying that the current lending situation, both the government and the people, are in an abnormal situation. What the queen said is not bad. If you borrow like this, the people who exploit such a loan must be exploited. I will never do such a thing."

"But why are the interest rates so low when you lend to large families? Wouldn't you allow them to exploit the people like this?"

"I have no intention of this. Please think about it carefully. The purpose of borrowing is to want someone to do things. Because the cost required to do things is too high, many people, even if they have ideas, cannot afford such a large amount of money. I lend them money and they can do it. This is the main purpose. The reason for the low interest is that since it is a business, there must be profits. If I lend normally and the interest is too high, the profits they get are not enough, and no one will do such stupid things. As long as I only have one to three cents of interest, I will give up the profit space. After they pay back the owed money, the profit will be greater, which will inspire them to borrow enthusiastically."

"Also, when doing something, someone always takes the lead. For example, it is unrealistic to expect a commoner to do a carriage and horse business, because he has no money or no one. But if a family or a large family takes the lead, they have capital, loans and pledges, they can do this. The important thing is that they have to use people to do anything. If their staff is not enough, they will hire friends. These guys may be refugees or poor people. If they get this job, they can make a living. Then the interest transferred by the minister will become their monthly money. It is their second purpose to support the people."

"The third purpose is to increase income for the treasury. If one million treasurys are lent, the average interest rate of two cents will be calculated, and a year will be 200,000 treasurys. Based on the current expenses of the treasury, 200,000 treasurys are basically enough. What's more, the bank now has 2 million treasurys. If it goes smoothly, the interest rate of 400,000 treasurys a year will definitely be much more abundant."

Empress Changsun really longed for this when she heard this. She is also alone, who doesn’t want to live a better life? With more money in the palace, the concubines will not always complain to it. But can what Li Mu said really be implemented smoothly?

Empress Changsun felt that it was not certain.

"Li Mu, you have a good idea. But there is a problem. The money you lend is not the money from the treasury. This money is the money of the shareholders of Datang Salt Industry and Datang Mining Industry. In other words, if this palace is not wrong, you are planning to lend the money from the aristocratic families to the aristocratic families. Will they agree if you do this?"

Li Mu smiled and said, "Empress, I don't know why I want them to agree."

Empress Changsun frowned slightly, and Li Mu was really as arrogant as the rumored ones.

"If it gets a big deal, what about them, will they withdraw their shares?"

"Let them withdraw. If the current shareholders withdraw their shares, they can just let those who are regretful if they fail to invest. Isn't that great?"

"Then this money?"

"Don't worry about money. I refunded one, added one, and used the later money to make up for the previous money, and each one was the right one!"

Seeing that Empress Changsun was still confused, Li Mu further explained: "The rule set by me is that if I want to participate in the company, I must pay the subscription fee, that is, the deposit. Because these two companies are definitely profitable businesses. There is no such cheap thing in the world. If they don't pay the deposit, I will not let them participate in the shares. They have to pay the money they have to put in. I did not rob their money. If they withdraw the shares, I promise to return it to them without any fault. It is very reasonable and fair."

Empress Changsun said, "This is something you can make sense, but how can you ensure that the money they release can be recovered. If the business they borrowed and cannot pay back the money, you can't kill them, right? Could it be that you have a way to make all the business they do? "

Li Mu smiled and said, "Of course I can't make everyone make money. If I have such ability, I will not be Li Mu, but the God of Wealth. However, I have thought of what the queen is worried about. First of all, I will not give credit, but only give pledge loans. Such a low-interest loan is a good thing that I can't find even with a lantern. I ask them to come up with some guarantees. I think it's not too much. At the same time, I will also verify their family background. If someone's family background has 100,000 yuan, I will only give him a loan of 20,000 yuan to ensure that it can be repaid. Moreover, I will not let them only use loans to do things. For example, a transaction requires 30,000 yuan principal, then I will lend them at most half of it, and it is absolutely impossible to make a waste of money."

"With these guarantees, I believe it is safe."

"Oh..." After hearing this, Empress Changsun's doubts were all resolved. She thought for a while and could no longer think of any loopholes. She nodded and said, "Li Mu, you are indeed extremely wise. Only you can think of such a way in the world. Using other people's money to make profits for yourself, even if Fan Li is reincarnated, he will not be able to compare with you."

"The queen is too proud, I am ashamed of you." Li Mu quickly was humble. He didn't want to be praised and killed: "And the queen said it was bad. I did not use other people's money to make profits for himself, but used the money of aristocratic families to make profits for Your Majesty's treasury. I don't take a penny in it."

Empress Changsun heard what Li Mu meant. He was clarifying the relationship and putting the responsibility on the treasury, making the family members angry. Empress Changsun thought about it and did not expose it. It was a matter of taking some responsibility for hundreds of thousands of yuan a year. It was not easy for the treasury to get the money, and Li Mu would take the blame alone. If she really did this, Li Mu would probably not do her best.

At this time, the four noble concubines arrived.

This was the first time Li Mu saw Li Shimin's four concubines, so he quickly stood up to greet him. Empress Changsun introduced him and said, "Sisters, this is Zhulu Hou, who is famous in Chang'an. He invented the mahjong plaque we played. Today he presented perfume and soap. This palace does not want to enjoy it alone, so I will share it with you all."

As she said that, she introduced Li Mu again and said, "Li Mu, this is Concubine Wei, Concubine Yang, Concubine Yin, and Concubine Yan. They are all people who have followed His Majesty for many years. Do you know how to treat them the same as me?"

Li Mu hurriedly saluted and said, "My minister, Li Mu, please pay tribute to all the concubines."

Except for the relatives of each family, the four imperial concubines rarely saw foreign ministers. Seeing Li Mu was quite fresh, and they had heard of Li Mu's reputation many times. They had to play mahjong every day, and they couldn't eat food without playing for two hours. Now they were very happy to see those who lived and asked nonstop. They were also quite satisfied with the perfume and soap offered by Li Mu.

As he spoke, it was already noon. Li Mu was not so shameless and stayed in the palace to wait for food and found an excuse to retreat. Empress Changsun did not try to keep him. After all, Li Mu was a man, and although he was a junior, it was inconvenient. If Li Shimin spoke, it would be different again.

Li Mu left from Lizheng Hall and happened to pass by Chongwen Hall along the way. When he arrived at Chongwen Hall to get off school, he happened to meet the brothers Li Chengqian and Li Tai walked out of the door. Li Mu waved his hand quickly. Li Chengqian's eyes were sharp, and he saw that it was him, so he rushed over.

"Brother!"

The 'big brother' was screaming in a straightforward manner. Li Mu waved his hand and signaled Li Chengqian to lower his voice. But Li Chengqian refused and still called out the elder brother one by one. He was so obedient because of the charm of money. Li Mu asked Ergou to buy the scimitar he wanted and sent it to Li Tai's place. Li Tai handed it over to Li Chengqian, which made him happy for several days. He also wrote a letter to Li Mu, saying that since then, Li Mu has become his elder brother.

It was really worth buying the prince for a few hundred taels, called "Big Brother". But Li Mu didn't dare to accept it. He was just a joke. How dare he let Li Chengqian call him Big Brother in serious occasions?

Li Chengqian is different from Li Tai. Li Chengqian is the crown prince. The reason why the crown prince is made the crown prince is because he is the 'legitimate' and 'leader'. If the crown prince calls someone else's elder brother, he is not the lord'. This is a big breaking of the rules.

Li Mu was waving his hand, Kong Yingda came out of the door, and when he heard Li Chengqian calling Brother Li Mu, his face changed instantly. He strode forward and pointed at Li Mu and said, "Marquis Zhulu, how dare you be so bold? The prince is the crown prince of the country. You induce the prince to call you brother, what do you want to do, do you have a bad intention?"

Li Mu frowned immediately. He looked at Kong Yingda and felt a little helpless.

I fought with Kong Yingda many times, and at first I was very disgusted with his impression, but gradually, somehow, I became less annoying. Although this old man's temper was a little stubborn, his personality was very straightforward. Even if it was too hard to say, he was still straight and could not make small moves behind his back. Li Mu admired this very much.
Chapter completed!