The bank's accounts are to be recorded in double entry, if a sum of money from Tokyo to Chengdu is going, the money from Chengdu is to go, this back and forth, will produce multiple profits, just when the money is on the road of fantasy, he has a loan interest rate, there are dealings, so according to the Song Dynasty's bookkeeping method is very inappropriate.

The Jurchen bookkeeping method is to knot the rope for the covenant, or carved wood for the contract, so it is easy to deceive, the accounting method of the Great Song Dynasty is in and out of the account book, there are in and out, and the entry and exit are a suitable account.

In Yun Zheng's view, there are big loopholes in this bookkeeping method, as long as he is willing, he can empty the Great Song Dynasty treasury, and the books will still maintain a consistent record.

Wang Anshi was clever enough to use the three-legged ledger to "focus the accounting records" on the "current account" (also known as the daily clearing book), which was later further subdivided into the "inventory book", "silver clearing book" and "current book". The "inventory book" is used to record the purchase and sale of goods; The "Clearing Book" is used to record cash receipts and payments, while the "Current Book" is used to register current transfers.

Unfortunately, this kind of account book is too advanced, and Wang Anshi needs to explain this way of bookkeeping to the emperor and ministers so that they can thoroughly understand what a bank account book is.

Han Qi said to Yun Zheng with a dark face: "Tell me clearly, how can it be worked?" ”

Yun Zheng thought for a moment and said to the emperor: "Please bring some gold, silver and copper coins to your majesty, and Weichen will show you this." ”

Zhao Zhen nodded, Zou Tong immediately ran out, and after a while, he came in with several eunuchs, one holding four gold ingots, one holding a plate of silver judgments, and two eunuchs carrying a basket of copper coins.

Yun Zheng asked Wang Anshi to come out. He arched his hand at him and said, "You now represent Tokyo Money!" Wang Anshi nodded yes.

Yun Zheng asked Pang to give him a gold ingot and said: "Pang Xiang is now Chengdu Mansion Qianzhuang!" Pang Ji also nodded.

Yun Zheng invited Han Qi and Wen Yanbo to give each of them a gold ingot and said, "You two are the Daimyo Mansion and the Guangzhou Mansion respectively!" The two men nodded in agreement.

Yun Zheng finally pointed to himself and said, "I'm a businessman!" ”

Zhao Zhen saw that Yun Zheng's arrangement was interesting, so he walked down from it, ready to see it more clearly. The rest of the hundred officials also formed a large circle to see how they operated.

Yun Zheng took a gold ingot and said, "I'm a businessman from Tokyo." Now I want to go to Chengdu to sell silk, this is my capital. With the tradition that there must be a triple profit for thousands of miles of trafficking, now I'm going to start operating, please see clearly! See how the money bank makes money. ”

Yun Zheng took the gold ingot and walked to Wang Anshi's side, put the gold ingot in his hand and said: "It's not safe for me to carry a large amount of money on a journey of thousands of miles, so I deposited the capital in the money bank in Tokyo, and agreed to pay the money bank two cents of interest, so that I don't have to hire chariots and horses, and dart boards." After getting the deposit voucher from the Tokyo bank, I set off for Chengdu Mansion in a light car. ”

When Yun Zheng said this, he took off a piece of jade pendant from Wang Anshi's waist and shook it at everyone, signaling that this was a credential, and then walked to Pang Ji's side and gave him the jade pendant, and then took two silver ingots and put them in Pang Ji's hand, took the gold ingot, and said to the emperor: "Your Majesty, because this gold ingot has traveled more than a thousand miles, the court has two more silver ingots, and this is the gross profit." ”

Pang Ji nodded and said: "The people are not allowed to trade gold and silver, so they can only use copper coins." The huge amount of money is indeed not easy to carry, and it is reasonable to earn two percent of the profits from thousands of miles. ”

Zhao Zhen also nodded in agreement, he at least figured out what means Qian Zhuang relied on to make money.

Yun Zheng said again: "This is just the most basic way to make money in Qianzhuang. As long as the local money banks can keep a large amount of money in their hands, such a means of making money will continue to circulate.

I trafficked some silk from Chengdu Province to Guangzhou Province and earned two gold ingots, and then I found that the Nanzhu in Guangzhou Province was good, and I would definitely make a lot of money by shipping it back to Tokyo, so I bought Nanzhu on a large scale, and found that my money was not enough, but I had a large number of industries in Tokyo, and there were local merchants who were familiar with me who were willing to guarantee me. So I borrowed a gold ingot from the Guangzhou government with Sanchengli to buy enough goods......"

Zhao Zheng watched as the gold ingot, which originally belonged to the merchant, finally became the imperial court, and he personally followed Yun Zheng's path and found that it was impeccable. The most important thing is that there seems to be no victims, and the merchant Jia also made money in the end. The people got money for selling their goods, and the government also received taxes. The money in the bank is increasing rapidly......

So he was even more confused......

"Could it be that this is a penny that begets a penny, and a thousand days begets ten thousand dollars? But where does the extra money come from? Zhao Zhen muttered to himself, the emperor, who had not studied politics and economics, was completely confused.

Wang Anshi said with a smile: "Your Majesty, money is obtained from the labor of the people, and in the circulation of silver money just now, Your Majesty ignored one element, that is, goods!"

Silk needs the people to raise silkworms, and finally weave silk into silk cloth, and the original purpose of the merchant is to exchange the gold ingots for the silk produced by the people, and then make the profits that should be made, so there will be such a circulation. Therefore, the world's wealth is created by the people!

Only when the people's products become more and more abundant, the Great Song Dynasty will become more and more prosperous, which is the original reason why Weichen proposed the Qingmiao Law to support the people. If the people's property is exhausted, the Great Song Dynasty's finances will become water without a source and a tree without roots!

If all the wealth of the land is gathered in the hands of a few people, the wealth of the people will continue to flow into the pockets of these people, and the court and the people will face life and death worries. ”

The ancients were very smart, especially the people who could stand on this temple, whether they were traitors or loyal ministers, and whether they were honest or corrupt, they had one thing in common, that is, no one was a fool.

After experiencing Yun Zheng's demonstration, if you don't know that Qianzhuang is a money-making business, the good business of making profits will be mixed in this temple in vain, needless to say, fools know that the Qianzhuang steward must be a fat and oily errand.

"Qianzhuang doesn't need officials, just one to give people to the industry!" Wang Anshi's cold words poured a basin of ice water on these people's blazing thoughts, and they all looked at Wang Anshi strangely, even Pang Ji, Han Qi, and Wen Yanbo also looked at Wang Anshi, and didn't understand why he would use this group of people.

"Why?" Pang Ji narrowed his eyes and asked.

"Because you can kill!" Wang Anshi squeezed out these five cold words from between his teeth.

"I see!" After Pang Ji said these four words, he retreated back and said no more, it is actually appropriate to arrange a Ci Le Ye person to manage the money village, those people are born to manage the accounts, one of the six departments has a lot of Le Ye people, especially the household department, and a Ci Le Ye person has completely taken over the errand of money exchange. Since the household can be used, there is no reason why the money bank cannot be used.

The reason why the household department uses a Ci Leye people, fancy their talents is on the one hand, the most important thing is that there is a sharp guillotine hanging on the head of a Ci Leye people, there is still room for discussion if there is a problem with the accounts of the officials of the Great Song Dynasty, or exile, or demote the officials, and the accounts of the people of a Ci Leye are on the wrong side, the only option is to cut off the head, if you insist on finding another option, there is also, that is, to cut off the head of the whole family!

Therefore, in the court of the Great Song Dynasty, the financial accounts are still roughly clear, which has a lot to do with the reputation and family of a happy person who cherishes himself!

"The officials of Qianzhuang have been in office for three years, and they must be audited once a year, and the people who have been given joy in the Great Song Dynasty must live in a centralized manner, and their travel must be reported, and no personnel shall move around during the audit period. Once the review is completed, those who have merit will be rewarded, those who are wrong will be severely punished, and those who are guilty will be killed!

If there is a good child in the family, you can also be introduced to the money bank, and the treatment is the same as that of a happy person, once the term of office has expired for three years, it will be given priority to enter the three envoys! ”

Yun Zheng smiled like a lucky cat, Wang Anshi was ruthless this time, the name of the minister is really well deserved, the minister's children can enter the money village to get qualifications, if you want to make money, you have to risk killing the whole family, he wants to see if any of these people are willing to send their own children and nephews into the money bank, there are big dangers and big opportunities.

"Hehe, it is said that the virtuous do not avoid relatives, the old man thinks that my son Pang Ju can enter the money village, this son liked the way of economy when he was a teenager, and it is not good to do business for the face of the old man, and he was admitted to the fourth class of the system last year, and he just entered the money village to sharpen it." Pang Ji also showed a smiling face, and boasted to himself after saluting the emperor.

Zhao Zhen said with a smile: "Pang Ju is a rare young talent, I also plan to send it to Honglu Temple to be sharpened and then released, but I didn't expect Pang Xiang to have such a plan."

Fortunately, since everyone has decided that the money village is good, I will allow the money village to open, and agree that Wang Qing will transfer 2 million pieces of silver from the treasury into the bank, and I will collect another 1 million pieces from the inner treasury, totaling 3 million pieces of silver to establish the Great Song Dynasty Royal Money Village.

Agreed to collect a Ci Le Ye people in the Great Song Dynasty to enter the Qian Zhuang to work, and at the same time in the West Side of Tokyo to block the three Fang City to move into a Ci Le Ye family and divide the land as a prison, and agreed to build a temple in the Fang City. Agree to give these people a happy industry and a big Song household registration, once they are old, after the audit of the money village, it is agreed that they will take root in the Great Song Dynasty, no longer wandering, and the treatment will be the same as the people of the Great Song Dynasty! ”

Zhao Zhen's words immediately formed a will, Wang Anshi left the main hall with the edict in his arms, accompanied by the assistant officials of the three envoys, and prepared to go to Honglu Temple to proclaim, where there was already an elder who gave the joy of the people waiting for the emperor's will.

Yun Zheng lazily walked out of the main hall, this time he took the wrong step in the flower hall again, but no one cares about these anymore, this guy has often walked around indiscriminately recently, not for anything else, just to see how a generation of reformers Wang Anshi administers the world.

"Yunhou, why don't your brother Yunyue and the second son of the Su family enter the Qianzhuang, what the old man is looking forward to the most is that the three of them can enter the Qianzhuang, they are all good at arithmetic!" Wang Anshi said to Yun Zheng with a red face.

"Pull it down, those three scourges don't dare to enter the bank, I'm worried that they will move all the three million guan in your hand back to my house!" (To be continued)

PS: Chapter 2