Chapter 119: Banking Reform in the Age of Steam
The Four Seas Kingdom has no history, so there are not many things that can be learned and understood by Jin Zixuan for the development of ancient times.
However, there are other urban worlds that Jin Zixuan has traversed!
For example, the orc world!
The technological level of the orc world and the country of the four seas is very close, and the orc world has a complete historical record.
Like the Industrial Revolution, the Age of Steam, the Age of Electricity, etc., there are clear records in the orc world.
However, there are only a few sentences of records and summaries in the history books about these in the four seas, and there are no more real records and materials.
Now, the details of Zhao Gongzi Jin Zixuan's five-step plan are as follows:
The first step is the reform of the bank:
This is the inspiration that Jin Zixuan got from a book called "A Brief History of Time" in another world, in which the statement about banks driving the industrial revolution makes sense.
Compared with many people who always like to say that war promotes the development of science and technology, Jin Zixuan agrees that it is actually capital that promotes the development of science and technology! In the history of a certain country in another world, the ancient money bank was basically only used to exchange all kinds of silver coins, and it was very late that it had the function of saving money. And loans are almost never there...
Jin Zixuan believes that money is a material manifestation of the surplus productive forces of society.
Only by mobilizing this surplus productive force can the speed of social progress be greatly accelerated!
In Zhao Gongzi Jin Zixuan's plan, the Zhao family's money bank should not only open a money saving function, but even gradually establish a money lending function! As for who will this money be lent to?
Of course, it's only lent to those who are engaged in production!
The second step is to build roads and bridges:
This basically doesn't need to be explained, if you want to get rich, build roads first!
The Zhao family is going to start using loans, calling for hiring a large number of idlers and creating more and more construction teams!
As for where to build the road, the family needs to plan well! First of all, it is necessary to facilitate the economic circulation of various places, and secondly, it is necessary to pave the way for the next two steps!
The third step is to open up the wasteland and grow grain:
On the basis of the road paving plan, we should expand the intensity of land reclamation and grain planting.
In this era, for the majority of the people and the country, grain is actually a harder thing than money! It is more meaningful to open up the wasteland to grow grain than to make money.
With enough food, more people can be fed, more people will be produced, more surplus labor will be produced, and the quantity and value of money will be greater and greater!
The fourth step is to crack the mountain and open the mine:
On the basis of the first three steps, the ultimate goal of a large number of 'building teams' is to mine everywhere!
At the same time as expanding the development of the metallurgical industry, a large number of coal mines began to be excavated for petroleum fuel, laying the most important cornerstone for the industrial revolution!
Step 5, Steam Revolution:
With abundant coal mines and a well-off life, people have the spare energy to spontaneously promote the development of science and technology!
This is the best time to promote the steam engine, rather than making it a plaything for a few wealthy people.
With the introduction of the steam engine into social production, the productivity of the whole society should be able to grow explosively, paving the way for the next electric era!
......
All this is only Jin Zixuan's imagination, his understanding of society is still very shallow, and in this era, these ideas are also difficult to understand.
However, Old Man Zhao was very excited!
First of all, it is gratifying that his son is suddenly so knowledgeable.
Secondly, this plan will not conflict with the royal regime at all!
Even, as productivity increases and taxes on food and money increase, the royal family will certainly be happy to see it, and if the details are handled properly, it can also make the imperial power a help for the plan!
The whole plan is for the benefit of the country and the people!
If it happens, the good name of his son and the Zhao family will inevitably be passed down through the ages!
Zhao Gongzi Jin Zixuan turned his head to look at his bride, I don't know if these efforts can slowly change her opinion of herself and make her fall in love with herself?
The bride doesn't understand anything, and although she thinks it sounds amazing, but...
These plans of yours, to her, are no different from you telling him a high number of numbers, and she can't understand anything anyway, how can this possibly improve her favorability?
You are the husband and the head of the family, you have the idea of the outside affairs, what does it matter to me as a feudal little woman?
If you want to improve a woman's goodwill towards you, in addition to improving self-cultivation, the most important thing is the communication between the two!
Without communication, no amount of effort will be half the effort.
It's a pity that Jin Zixuan has been studying silently and hard, and has never been in love seriously, but this simple truth is like a thin piece of paper. As long as you poke lightly, everything will be obvious, but if you don't pierce it, it's like being separated by countless mountains...
The groom, Jin Zixuan, who realized it later, was still complacent.
He felt that if Yaoyao talked to him about the topic of development, he would definitely be able to excitedly ponder a few tireless all-nighters, how interesting this topic is? Who wouldn't like to study social history?
In fact, the average person just wants to kill him after hearing it.
Jin Zixuan, who didn't know the truth, was immersed in his own world, he felt that he was so smart, a serious man was really the most handsome, and he was too handsome!
After thinking about this, he worked with his father to study the details of the implementation of the retreat plan!
Putting aside the women in the family, the Zhao family and the two began to plan concretely@#¥%...
......
Busy days always fly by...
A few months later, the Zhao family's money bank officially ushered in a series of reforms.
Regarding the money saving business, under the guidance of Jin Zixuan, the head of the Zhao family tried the breakthrough setting of 'interest'.
As soon as they heard that there was interest on the money, the other money banks all died of laughter, waiting to see that the Zhao family could not pay the interest and lost all their money. But to their surprise, the savings of the Zhao family's money are growing day by day. Almost everyone has deposited money in the Zhao family's money village, and the funds that Jin Zixuan can call are accumulating wildly at an unimaginable speed...
With a large amount of funds, the Zhao family father and son began to promote the formation of the construction team in full swing.
Just when they were planning to build roads and open up wasteland, an interesting story in the capital attracted a lot of attention.
......
On this day, in the Zhao family's mansion, Zhao Gongzi Jin Zixuan was looking at the map, writing some huge numbers of calculations to calculate the progress of development.
Mother Zhao suddenly frowned and walked closer, interrupting the busy Jin Zixuan:
"Son, stop, my mother has something to say to you!"
"Okay, wait a minute!"
"Wait a minute... Every time I look for you, you always say wait. Even if the family business is important, but you should also do a good job for the Zhao family! Look at you, you have been looking at the map here for almost a month, and you don't know how to go back to accompany your daughter-in-law every night, how can you go on like this?"
Zhao Gongzi Jin Zixuan raised his head and put down the charcoal in his hand.
He rubbed his mother's shoulders coquettishly, and said with a smile:
"Oh yes!
The child is still young, and there will be time for you to hold your grandson in the future!
Now my father is still young, and if you want me to say, maybe in a while, you can add a younger brother and sister to me!"
Mother Zhao's face turned red and said coquettishly:
"You stinky boy, you're going to talk nonsense!
I can tell you! Recently, it has been rumored that there is a flower thief in the capital, and this guy has harmed several high-ranking officials and nobles!
You have to have a snack to take care of your beautiful daughter-in-law! Do you know? A few days ago, Zhang Yuanwai's fourteenth aunt had just had an incident at the east window, and I heard that the flower thief had run away, but the fourteenth aunt was too immersed in a pig cage and died a miserable death! You said that this dog thief would eat soft rice and kill many hard-working women?
I don't know what kind of magic this guy has, how can he deceive those stupid women into obedience, hey you say @#¥%......"
Zhao Gongzi Jin Zixuan scratched his head.
Looking at his mother, who was chattering endlessly, he chuckled and briefly asked about the situation of this flower thief. After learning that the women who were killed were not favored, so they secretly hooked up with this dog thief, and finally got caught without hiding it, Jin Zixuan was relieved.
Scold... Flower thief?
A person who sneaks around in someone else's cold palace all day long, and when he is full, he knows that living to satisfy his physical desires is really meaningless.
Although he felt that it was a waste of his life to spend energy on him, thinking that he could successfully deceive so many female dependents, Jin Zixuan thought about it for a while, and still silently wrote it down, so that the people patrolling the house would pay more attention.
Her own lady is timid, well-behaved and obedient since childhood, and now she is so motivated, young and promising! She must have a deep affection for herself, and she will not be deceived by such a bad man! As long as the people patrol diligently, without the assistance of the lady, it is impossible for anyone to sneak into the house.
After thinking about it simply, Zhao Gongzi Jin Zixuan smiled and buried his head in calculations, continuing his plan to change the world!
......
In the months that followed, Jin Zixuan's plan went surprisingly well.
As the surrounding area of Kyoto continues to develop, the population of Kyoto as a whole has grown, and its reputation has grown.
People from other places and many disaster-stricken areas are flocking to the development zones around Kyoto in order to survive, and the manpower is becoming more and more abundant!
To Jin Zixuan's surprise, this Zhao Gongzi's father, Master Zhao.
Ever since the program was running for a while, he's...
It's inflated...?
Now, he directly started to be the shopkeeper, eating, drinking and having fun all day long, and lived the kind of life that Zhao Gongzi used to be before Jin Zixuan crossed over...
Jin Zixuan was speechless about this.
Probably because after the money bank turned on the function of saving money and interest, the Zhao family suddenly became rich and rivaled the country!
Old Man Zhao experienced great wealth and wealth, and he lost his fighting spirit... Not to mention most of it, at least one-third of the country's money is deposited in the Zhao family's bank, which also leads to the plan being far smoother than imagined.
The only risk now is that the Zhao family spends a lot of money to buy grain stocks everywhere to support the development zones around Kyoto, which have more than doubled.
However, after the harvest next autumn, this hidden danger should be completely gone.
Jin Zixuan didn't expect that the country's grain stock is actually very large, with the current scale, it is enough to eat for at least two years...
No matter how rich the rich are, the poor are still starving to death every day...
Without changing this backward social system in ancient times, it is impossible for the productive forces of the whole society to develop...
Now that I am rich, I can put myself in the shoes of the people who are not the problem, but the lack of connection between the whole society. Rich people are just people, to be honest, even if the poor starve to death in the real world, the rich will not lose a hair because of this, so why should people care about you?
Origins are not chosen, and there is no point in complaining about some things.
Rich people are also busy with things that they can't finish doing, and they also have their own goals and pursuits, and they are not all-knowing and all-powerful gods. If the method is not right, even if all the financial resources are used for charity, the result will only be to turn the rich into poor, and it will not change the development of all people in the future.
So now, Zhao Gongzi Jin Zixuan can only connect the whole society more closely and change the social development model, and the whole society will get better and better...
If Niu Yu, the system administrator of the Dream Soul of the Ages, saw what Jin Zixuan was doing in this world, it was estimated that he would understand why Jin Zixuan's ability was a link technique!
......
On this day, the subordinates reported the progress of the plan, and Zhao Gongzi Jin Zixuan began to wander when he listened.
Although he brought about these changes now, he is not a native of this world after all, so he has a poor sense of belonging.
After listening to this, he thought that since everything was in order, there would be much less decision and planning for the next few months!
He has arranged all the plans for several years, and he has a good understanding of the people under him, and then he just lets them implement and improve.
It's hard to take it easy now, or... Go home to accompany your little wife?
Jin Zixuan smiled bitterly, this girl should have fallen in love with herself, right?
After opening a bank, he is now known as the 'God of Wealth'!
If she is lucky enough to marry herself, this girl must have died happily ever after!
Jin Zixuan nodded contentedly, then tilted his mouth and shook his head. It's been so long, and the task still hasn't been completed, it seems that there must be something wrong with the first half of the task!
This 'conquest', I'm afraid... It's the physical conquest, right?
Bah!
Pit daddy system!