Chapter 265: When did Minister Yan become so generous? !
Yes! Why didn't he think of it before?
Actually, some people have been secretly lending money at high interest rates for a long time.

However, the interest rate of loan sharks is extremely high. If you borrow a few taels of silver, it will soon turn into hundreds of taels.

There was a period of time in the previous dynasty when usury was extremely rampant among the people. It is said that many people lost their families and homes because of this.

Therefore, the imperial court later became stricter in controlling the private lending of money at high interest rates.

Of course, even if the supervision is not strict, most merchants would not be bold enough to borrow this kind of money.

After all, the more money you borrow, the more terrifying it will be if it doubles.
Those businessmen are not fools. If the money they earn from a business deal is not enough to pay the interest, wouldn’t that be crazy?
But if the imperial court only takes 10% or 20% of the profit, it will be different.

This amount of money is definitely within the affordable range of merchants.

At the same time, because the entire imperial court was behind them, those merchants, no matter how bold they were, would not dare to play any tricks on the imperial court.
Unless they want the Nine Clans Candy Crush Saga, no matter whether they can repay the loan or not, with the collateral in hand, the court will basically make a profit!

The more Minister Yan thought about it, the more excited he became. He wished he could write the memorial right away and deliver it to the palace in person.

However, Yun Shu hadn't finished speaking yet.

Seeing that Minister Yan had understood what she had said earlier, she added slowly:

“Of course, if all the loans were to be paid by the national treasury, the money from commercial taxes alone might not be enough.

So in addition to the loan business, we can also do the money house business."

"Qianzhuang?"

Minister Yan was stunned for a moment:
"A money shop simply lets people deposit their silver with us, and then we charge a small storage fee.

Compared to the money earned... it's really not much, I'm afraid..."

"So we have to make some improvements and stop charging that tiny storage fee."

Yun Shu said seriously:
"We should do the opposite and give those who deposit money a tiny bit of interest!"

Minister Yan: “?”

You help someone keep their money, and you want to give them some for free?

What? Her Royal Highness the Crown Princess has a time limit for her serious moments. After that time, she can no longer be serious?

What outrageous stuff she said!
Minister Yan's disapproval was written all over his face, and Yun Shu could naturally see it.

She chuckled and looked at Minister Yan leisurely:
"Master Yan, do you think I am talking nonsense?"

"The old minister dare not."

Minister Yan's "I dare not" was somewhat perfunctory:

"I just don't understand why the money is not enough and they still want to give some away for free."

"Of course it's to keep this part of the savings. As the old saying goes, you have to give to gain!"

Yun Shu explained slowly:

"Let me put it this way. If you deposit ten taels of silver with me and take it out after one year, you will get eleven taels of silver.
But if you take it away within a year, you can still only take away ten taels of silver.

So, if you don't need the money urgently, would you choose to take it within a year, or wait until a year has passed?"

"Of course, wait a full year before you tell me!"

If you are not in a hurry to use the money, why not wait for the money to make money!
"Very good, which means that the money you saved, Lord Yan, has been in my hands all this year." Yun Shu nodded slightly and suddenly asked:

"Then can I use these ten taels of silver to start some other small business, make some money, and turn these ten taels of silver into twenty taels?"

"?"

After all, he is a man who can hold the position of Minister of Revenue.
Minister Yan just couldn't think of this method before.

Now Yun Shu has broken down the logic behind it and fed it to him. If he still doesn't understand, then he is really out of line!
To put it bluntly, this is actually another form of lending from a different perspective.

However, this time, the people who borrowed money for business were not the merchants, but the imperial court.

The lenders were no longer the imperial court, but the common people who deposited the money.

Moreover, the interest rate that the imperial court paid when borrowing money from the people was much lower than the interest rate that merchants paid when borrowing money from the imperial court!
No wonder even His Majesty was willing to partner with Her Royal Highness the Princess to open the Tianwaitian Restaurant.
Apart from anything else, at least when it comes to making money, Her Royal Highness is really amazing!

Minister Yan was completely convinced this time. He stood up and bowed to Yun Shu:
"Thank you for your guidance, Your Highness. I will learn from you!"

"It's just some clever ideas."

It is nothing more than the crystallization of human wisdom accumulated over thousands of years, and a common practice in later generations.

How embarrassed she has been this week!

Yun Shu coughed lightly:
"As long as Minister Yan doesn't forget what he promised me just now, it will be fine."

"Don't worry, Your Highness. I will never forget!"

He personally and respectfully escorted Yun Shu out of the Shangshu Mansion. After Yun Shu left, Shangshu Yan immediately returned to his study and began to write furiously.

So, at the morning court the next day, when Yunshu proposed to establish a college,

Everyone, including Emperor Xuanwu and other court officials, and even Li Dehai, thought that Minister Yan would definitely refuse sternly and fight Yunshu for another 300 rounds, refusing to give in even if he died.
Under the gaze of everyone, Minister Yan stepped out without hesitation:
“Your Majesty, I think what Her Royal Highness said makes sense. For the future of our Tiansheng Dynasty, this academy should and must be built!

It just so happens that there is still enough money in the national treasury. I am willing to cooperate with Your Highness the Crown Princess to build Tiansheng College!"

Emperor Xuanwu, who had already prepared a lot of suggestions on how to stop the fight, said: "?"

The Minister of Rites, who had been arguing with Minister Yan for half a month over a mere 30,000 taels of silver, said: "???"

Other officials who also failed to get the money from Minister Yan: "???"

When was Minister Yan secretly replaced?

Now this isn't just a fake wearing a mask, is it?

impossible!

That’s thirty million taels!
They all thought the Tiansheng College sounded ridiculous.
When did Minister Yan become so generous?

Everyone was dumbfounded, and the eldest prince, who was waiting to see Yun Shu's show, was even more stunned.

After all, several of his generals, including General Weiyuan, had gone to see Minister Yan a few days ago about the military pay, but Minister Yan always found fault with the account book.

He insisted on waiting until the account book was completely clean before paying.

This caused General Weiyuan and his men to complain bitterly.

Considering that Yunshu's supporters in the court are gradually increasing,
In order to consolidate his position in the hearts of these generals, he even paid nearly 10,000 taels of silver out of his own pocket to help fill those holes!