Sima Yi continued: "Your Majesty, an increase of 100,000 hoplites will increase the military expenditure by 7 million taels a year.

plus the original 10.75 million taels of silver light and heavy infantry, the second-line garrison army, and the millions of military expenses of the heavy cavalry.

The military expenditure of my Great Qin State alone will exceed 21 million taels of silver, and the current tax revenue of the Qin State, even if you add the tax revenue of Yucheng County, is 16.5 million taels when it is fully calculated.

If you add other expenses, such as the construction of schools across the country, the repair of official roads, post stations, royal palaces, etc., my Daqin spends nearly 27 million taels of silver a year.

There is a gap of more than 10.5 million in income and expenditure.

Even if the Tianlu Sect and other sects of Great Qin are currently confiscated and more than 30 million taels of silver are obtained, there are only more than 10 million taels left, and it will not be able to maintain the operation of the country for a long time.

There will be no sects in Daqin again, and His Majesty will confiscate a large amount of silver every year. ”

The prime minister is worried, if such a big financial gap cannot be filled, there will be big trouble.

As the chief administrator of the Qin Dynasty, Sima Yi was well aware of various expenses such as the financial situation.

A smile appeared on the corner of Ying Zheng's mouth when he heard this, and he said, "Zhongda, this is exactly the purpose of the widow to keep you." ”

"Your Majesty, the minister doesn't know how to turn stones into gold, and he can't turn tens of millions of taels of silver into silver every year to fill this big hole!" Sima Yi said.

King Qin said: "Zhongda, you see that sweet potatoes will be promoted in Daqin next year, and when the grain output increases, we can take a part of the tax from it;

After the Bashu rebellion was put down, taxes would definitely be increased;

If Dujiangyan is completed, Sichuan and Shu will be able to become the country of abundance, and the food will definitely increase a lot;

In addition, the widow will definitely destroy the dog Rong country within two years, and then the cost of buying a large number of good horses can be saved, and the cost of heavy cavalry can also be reduced partly;

Then the widow can deal with the thirty-six nobles with all his might.

The Thirty-six Hao Clan is a big fat pig, richer than the Great Qin Sect, as long as it is slaughtered, the treasury of the widow will be full again. ”

"Your Majesty, since you have such a plan, as long as you don't expand the army on a large scale in recent years and don't start a super project like Dujiangyan, you can maintain it. Sima Yi said truthfully.

What His Majesty said, he had actually thought of it a long time ago, just waiting for His Majesty to say it himself.

Ying Zheng shook his head: "If the widow wants to dominate the world, sweep the eastern corner, and establish the Great Qin Empire, he must expand his army on a large scale." In addition, the super water conservancy project must also be repaired. ”

Sima Yi was silent for a while, and said: "Then Your Majesty must come up with a new way to increase taxes and silver, as for increasing the land tax burden of the people, the minister feels that Your Majesty is better not to do it, and now Daqin's taxes are not low." ”

King Qin bowed his head and said: "The widow will not increase the land tax of the people, and the widow already has other ways to make money." ”

"Your Majesty, what are your tricks?" Sima Yi said.

Ying Zheng picked up four rolls of bamboo slips: "Zhongda, the answers are all in it, you can take a look." ”

"No!"

Sima Yi took the four rolls of bamboo slips with curiosity on his face, opened the first volume, and read them carefully.

"Build a big Qin money village and connect the world to earn huge profits......"

After Sima Yi looked at the first roll of bamboo slips, the face of Gu Jing Bubo showed a look of extreme shock, and his hands couldn't help but tremble with excitement.

His Majesty wanted the Great Qin Imperial Court to establish the Great Qin Money Village, and then open up Qian Zhuang branches in the counties and counties in the Qin State, and absorb the silver money of merchants and ordinary people to deposit in it.

In this way, a big Qin money village is the collection of the world's silver money.

The main business of the bank is storage, exchange, lending, and treasure banknotes.

1. Storage

Ordinary people and merchants can deposit silver money into the Great Qin Money Village.

The time is divided into three months, half a year, one year, two years, three years, and five years, and there is interest, and the longer the deposit, the higher the interest, but it can only be withdrawn when the deadline is reached.

Ordinary people have a little spare money, and it is naturally the best choice to deposit it in the bank for profit.

2. Remittance

Silver and copper coins are very heavy, if the quantity is large, it is extremely inconvenient to transport, and it is easy to be stolen or even robbed by people to carry around, if it is exchanged for a bill of exchange, it will be much more convenient and safer.

Ordinary people and merchants only need to rely on a silver ticket, they can exchange silver at each penny, saving a lot of trouble.

Of course, Daqin Qianzhuang will charge a certain handling fee from it, but this handling fee is much cheaper and safer than the long-distance transportation of silver taels and the hiring of guards.

Each exchange bill has a special password, and the person holding the bill of exchange can only redeem the silver tael if he brings the bill of exchange and gives the accurate password code.

3. Loans

Daqin Qian Zhuang can lend the silver money deposited in it to businessmen and individuals in need at a higher interest rate than the deposit to earn interest.

This is the most profitable place for Daqin Qianzhuang, which can create huge profits for Qianzhuang.

Of course, there is a strict review system for borrowers.

Ying Zheng wrote clearly and clearly on the bamboo slips.

Fourth, treasure banknotes

Treasure banknotes, is hairstyle paper money, of course, this point will be implemented slowly in the future, whether ordinary people, or businessmen in a short period of time, will definitely not accept, nor believe in treasure money.

After all, they have always used real money, and suddenly a piece of paper is a banknote, and they can't accept it.

Of course, in order to issue treasure money, it is also necessary to invent papermaking.

If the treasure banknotes can be issued in large quantities and accepted by the people and merchants, the Qin royal family will not have to worry about the shortage of silver in the future.

It can be said that Ying Zheng's money bank plan is a great invention that transcends the current time and space.

As smart as Sima Yi, he saw the extraordinaryness of this money bank at a glance, especially the treasure money at the end.

Sima Yi was so excited and out of shape.

He looked at Ying Zheng in a daze, his eyes full of shock and admiration.

After a long while, Sima Yi came back to his senses, fell to his knees with a puff, and shouted: "Your Majesty is really a god and a man who came into the world, and Great Qin has Your Majesty, and he will definitely sweep through the Eight Desolations and Liuhe and establish an unprecedented great empire! Long live Your Majesty, long live, long live!"

What Sima Yi said came from the bottom of his heart.

He has always felt as smart as a demon, but now compared with His Majesty, he is simply the light of the fire, and His Majesty is the great sun of Haoyang, and the glory shines all over the world.

"Okay, don't slap the horse, get up!" Ying Zheng said with a smile.

Sima Yi stood up: "Your Majesty, the minister's words are from the bottom of his heart, and they are definitely not slapping horses!"

"Then what do you think of Daqin Qianzhuang's proposal?" Ying Zheng said.

"Your Majesty, this is a great proposal!"

Ying Zheng nodded: "Then the establishment of the Great Qin Money Village will be given to you with full power, and you will temporarily allocate 10 million taels from the treasury as the capital for the first time." ”

"No!" Sima Yi said respectfully.

He then proceeded to look at several other scrolls of bamboo slips.

At this moment, Ying Zheng's voice sounded in his mind: "Ding Dong! Congratulations to the host for triggering the side quest: open the Great Qin Qian Village, which is open in all counties and counties in the Qin Kingdom, and you can get rewards (unknown) for completing the task." ”