This year's winter in Guanzhong is unexpectedly cold, this is not yet the middle of the month, just now the clear sky, in a blink of an eye it was dark, not long after, another heavy snow fell from the sky, shrouded the eight hundred miles of Qinchuan in the miserable ice and snow world.

Although the weather is cold, it is a good time to walk in the snow and look for plums.

Yang Tong, who has been busy for a while, is also rarely idle, after all, the ancient lifestyle is single, and so is government affairs; Although there are a lot of annual summaries and plans for the coming year submitted by various counties and counties, they are nothing more than infrastructure construction such as farmland water conservancy, construction of official roads, reinforcement of river embankments, repair of cities, repair of school buildings, etc.

In addition, a dynasty built from the ruins is always clearer than later generations, corrupt officials are the least said period, the vast majority of officials are carefully selected pragmatic officials, and the real content of the above is not as complicated as the middle and late periods.

Moreover, the political system of "cabinet discussion, Zhongshu Province drafting, Menxia Province review, and Shangshu Province implementation" is also becoming more and more perfect under the collective efforts, so even if Yang Tong does not seem to be busy, the affairs of the imperial court have always been extremely high, and there are not many things for him to worry about, as for the assassins, they are handed over to Hei Bingtai to supervise, more than 2,000 people, which is not a big deal.

In the next few days, in addition to reading official documents every day and dealing with the government affairs that the courtiers can't do, Yang Tong is tired of being with his wife and concubines most of the time, as if he can't wait to give birth to countless children.

Today's Jiang Fengyi has been canonized as Zhaoyi, and the suspended Zhaorong, Zhaoyuan, Xiuyi, Xiurong, Xiuyuan, Chongyi, Chongrong, and Chongyuan are the same two products, but Zhaoyi, as the head of the nine concubines, is not within the reach of the other eight concubines, but if it comes to an ordinary family, it is just a proper concubine.

Taking a concubine is different from marrying a wife, as long as the wife nods, but after all, she has no ceremony for Da Sui's work, and Wei Fengwu originally planned to officially handle it.

But Jiang Fengyi was unwilling, because she didn't want more people to know her identity as Princess Yicheng. After all, for the courtiers, even if the emperor accepts a woman casually, it is more important than ordinary courtiers, if there is a ceremony, the civil and military officials will definitely give gifts, and then they will have to receive the female dependents of various families, if so, isn't it known to the whole city? If you really want to make trouble in the city, it will not be good for her, Yang Tong, and the reputation of the Great Sui royal family. Therefore, just like Xiao Yuexian and Lu Qinghua at the beginning, they simply feasted the royal family, carved the genealogy of the famous Zongzheng Temple, and officially became a royal person.

Yang Tong accepted the matter of Jiang surnamed Zhaoyi, although it began to spread in Daxing officialdom, but the royal family followed the etiquette system and did not hold the ceremony of taking concubines, and everyone only knew that Yang Tong had an extra woman, and the heated discussion passed for a few days.

After a few days of shameless life, Yang Tong met with the civil and military ministers in the scenic landscape pavilion.

The lotus pond in the garden is frozen.

In the poolside pavilion, the palace maid had already prepared a charcoal stove mud pot, and put a wind fence around it to isolate the cold.

In addition to the small sound of ropes when snowflakes fall and the sound of kettles on the small red clay stove, there is the sound of turning books.

The palace maids were all sent away, and only a group of bigwigs in the pavilion were reading the articles in the upcoming special issue of "Da Sui Half Moon Talk".

This special issue focuses on monetary policy, which not only introduces in detail the ways to distinguish the authenticity of banknotes, but also increases the official storage and lending business.

Yang Tong picked up the white and delicate white jade teacup, looked at the crystal green tea soup, took a sip gently, a sweet taste lingered between the mouth, fresh and sweet, seeing that everyone had read almost, he put down the teacup and said: "The economy of the Great Sui is recovering day by day, and the number of merchants traveling back and forth between the Great Sui and other countries is also increasing day by day, and the wealth will continue to expand in the future, and it is becoming more and more necessary for an institution that specializes in managing money." Therefore, I am going to separate the money bank from the Ministry of Commerce, and in addition to exchanging coins, I will also have jurisdiction over storage, borrowing, and so on. And this storage business is mainly aimed at ordinary people......"

Seeing everyone's eyes, Yang Tong said in detail: "The rich and noble people not only have a high-walled compound to protect, and even have a secret room for money, but ordinary people do not have such good conditions, if they are robbed, or robbers enter the house, it means that their hard-earned savings are in vain, if the imperial court opens a storage business, the people can deposit the excess money into the county money village on a voluntary basis, and then the money village will issue vouchers, if you need money, the people can go to take it at any time." For the people, no one's money is lost, and it is far safer to keep it in the official treasury than at home. ”

Yang Gongren nodded and said: "Now there are supply and marketing cooperatives in all counties, and even some prosperous counties are gradually opened, from this point of view, sooner or later it will be popularized in the world, and the money village will also be popularized, if it is added to the storage function, it is naturally a good thing for the people!" ”

"Storage is a matter for the benefit of the people, and Wechen has no objection." Wei Zheng bowed, and said solemnly: "But this borrowing is similar to Ziqian's family and Yinziqian, and Weichen opposes this kind of plundering of the people's hard-earned money." ”

Ziqian's family is a private usury that has existed since the Han Dynasty, while Yinziqian is a usury made by monks, these two kinds of usury are specially taken advantage of people's danger, falling into the well, and Qinglou gambling houses, local ruffians and hooligans are in cahoots, resulting in many families ruined and ruined, and their reputations are extremely ruined, and only desperate people will borrow this kind of fatal money.

The faces of the others were also very unnatural, and they obviously did not agree with this act of destroying the reputation of the imperial court.

"Rest assured, I will not do such a vicious thing." Yang Tong gave everyone a satisfactory answer, and when he saw that everyone's expressions were a little gloomy, he continued: "Although the temple seal Ziqian has been banned, and the Ziqian family has disappeared in the troubled times, but before this, the people knew that these two kinds of money would cost the lives of the family, and they also had to borrow it, so it can be seen that there will be many people who urgently need to borrow money to save the emergency." As long as the people urgently need money, then the Ziqian family and Yinziqian will make a comeback sooner or later, which is a phenomenon that no one can avoid. ”

Everyone was silent, although there is no such thing as "demand determines the market" and "there is a market and there is harm", but it does not mean that everyone does not understand this truth.

Unless everybody is as rich as they are, there's no such thing as life-saving money, but is it possible? It is simply impossible, just because nine out of ten of the Great Sui are poor, and if these poor people have three disasters and six diseases, borrowing money will be popular, and this is the natural place for usury to breed.

Yang Tong saw that everyone agreed with his point of view, so he continued: "Since everyone also knows that it can't be avoided, then the matter of borrowing goods will simply be handled by the imperial court, although a certain interest will be charged, but at least it will not lead to the destruction of the people's families, and at the same time, it can also prevent the Ziqian family and Yinziqian from poisoning the world again." ”

Ling Jing said: "The people hate Yinzi money, but they can't do without Yinzi money, this is the reason why the Ziqian family and the Yinzi family continue to inherit and become more and more intense. ”

"But I don't know how much interest the Holy One will collect?"

"The imperial court does not aim to make money, but is anxious for what people need, so naturally it will not make a profit, so I plan to take the principal as the standard, and set the interest into three types, three thousandths of a year, four thousandths of two years, and five thousandths of three years. If it is returned in full within half a year, no profit will be collected. ”

Everyone bowed their heads one after another, which is almost negligible compared to the sub-money family and the Indian money that borrow five out of ten and six profits at every turn.

"People have to pay interest when they borrow money, so storage can naturally make a profit." Yang Tong introduced the storage business in turn, "People can deposit idle money into the bank to obtain profits, and save it for one year to get three thousandths, two years of four thousandths, three years of five thousandths of a thousandth, four years of six thousandths of a thousandth, and five years of ten thousandths." If a person signs a five-year deposit period, if he needs to withdraw it urgently during this period, he will only repay the principal in less than one year, give one year of interest in 1-2 years, and take two years of interest in the period of 2-3 years......"

"With the benefits of saving and borrowing to stabilize each other, the court will not be lost, and the people will also have their own gains, which is really good governance! Wechen agreed. Kong Yingda said.

"Holy Lord, the minister has a question." Wei Zheng arched his hand.

"Say it."

"What if the people never pay it back? Is it not possible to confiscate their fields and houses? Wei Zheng asked the key question.

"If you can't pay it back, don't pay it back." Yang Tong said with a smile.

"Huh?"

Everyone was in an uproar, they didn't expect Yang Tong to give such an answer.

"Really?" Wei Zheng asked.

Yang Tong nodded and said, "If the borrower is insolvent or unable to repay the principal and interest, he can apply for bankruptcy to the local criminal department." ”

"What is bankruptcy?" Wei Zheng frowned.

Yang Tong introduced: "Bankruptcy is a kind of protection behavior of the imperial court for the people who borrow money, when the borrower is unable to repay the principal and interest, the imperial court not only forgives the debts that cannot be paid off, but also will not touch his real estate, so that they will not be cornered and desperate." Of course, not everyone can file for bankruptcy, and it must be strictly reviewed by the local government, the local criminal department, and the local imperial department, and then reviewed by the county level before it can be passed; If someone maliciously files for bankruptcy and blackmails the imperial court, he will also be punished accordingly. ”

When everyone heard this, they were all dumbfounded, no one expected Yang Tong to be so generous, compared to the profits of the Qian family and Yinzi Qian, who were wiped out, the bankruptcy system of the imperial court was simply the gospel of the people in a desperate situation.

Li Jing shook his gray head and said in admiration: "Wechen has lived for most of his life, and he can barely be called well-informed, Wechen has always thought that the people's rebellion is actually caused by not being able to survive, but as long as there is a little vitality, he will not take risks and steal and abduct." If this money bank is to be widely spread all over the world, the people can not only borrow money to turn the crisis into safety and regain their vitality, and avoid many human tragedies, but also save money to make a profit, which is enough to prevent many crimes from happening. ”

"What Zhongshuling said is extremely true. With such low interest rates, coupled with the bankruptcy system's protection of borrowers, the court's lending was a lifesaver. Wei Yunqi said.

"Wechen also supports such a bank." Liu Zhenghui said, "The Ziqian family and Yin Ziqian will only plunder frantically, causing countless human tragedy." The court's loan is based on the interests and lives of the people in the world, which may cause the court to lose, but it is nothing compared to the peace of the world. ”

Weichen seconded. Fang Xuanling also bowed down.

Weichen seconded.

Immediately, one by one the bigwigs supported it, and the proposal for the independence of the money village was unanimously agreed.

"The business of saving and borrowing money is mainly aimed at ordinary people, and they may not be able to go to the county several times in their lives, so in order to avoid being too complicated and bringing statistical trouble to officials, in principle, in line with the principle that money does not leave the county. By the way, the name of the money village is not good, and it will be called the Great Sui National Bank in the future, which is still under the name of the Ministry of Commerce, and the grades of the central officials are compared with the divisions, and the localities are subject to the county officials. Yang Tong said again.

"Whoa."

Everyone nodded, silver coins are between gold coins and copper coins, and they are one of the main currencies of the Great Sui.

Yang Gongren asked, "Do people need a reason to borrow money?" ”

Yang Tong glanced at Yang Gongren appreciatively, nodded and said: "Qianzhuang is now a hasty creation, it should not be too complicated, first open to the people who encounter natural disasters and diseases, and then open to other directions when the system is mature." As for those ruffians, hooligans, lazy people, and bullies who have a very bad reputation in the local area, they will not borrow anything. ”

"This kind of person is idle, lazy and lazy, and allows the fertile land to be barren, so he should not borrow it." Kong Yingda praised.

After the main content was finished, the monarchs and ministers discussed other matters one by one.

When encountering questions, Yang Tong answered them one by one.

Although he is not mainly engaged in financial business, a lot of ordinary knowledge is unheard of here, but no matter what kind of business, the purpose is to benefit the people and facilitate the people, so that people can't find out the thorns.

After the discussion, the special issue that had already been printed was immediately released.

。。。。。。。。。。

Although the number of times the circulation of "The Half Moon of the Great Sui" is not much, it represents the mouthpiece of the Great Sui court, and every time it is issued, there are many contents closely related to the people of the world, so as soon as the special issue came out, it was immediately sold out. The first thing people who buy a publication is the front page.

When they saw the content of the official establishment of the "Great Sui National Bank" and various businesses, they became hotly discussed.

"What is the difference between this bank and Ziqian and Yinziqian? I didn't expect the imperial court to make money with such bloody money, which is really disappointing. On Daxingxi Chang Street, a student who read the beginning but not the end roared angrily, "We should report the sacrificial wine, and ask the sacrificial wine to come forward and ask the saint to cancel this bank." ”

"That is, the Ziqian family and the Yinzi Qian family have bankrupted many people since ancient times, how can the saint put the Yinzi money? He must have been deceived by traitors. ”

The name "Ziqian Family" comes from the "Historical Records of the Goods and Colonies", which is a product of the Western Han Dynasty, he has only one kind of business, that is, usury, and usury is often linked to dirty and dark and bloody killings, in ancient times when the legal system was not perfect, once the people fell into usury, it was only the end of the family being ruined and the wife separated, so it has been notorious since ancient times.

Although it has a bad reputation, but the demand is too wide, so it has always existed in all dynasties, especially when a dynasty loses order, it is more arrogant, like a gadfly sucking blood, squeezing the blood of the people, shaking the foundation of the dynasty, and playing a role in fueling the coming of troubled times, thereby accelerating the birth of the battle of dynasty change, and because of this, everyone is extremely disgusted with banks with lending business.

The Great Sui Dynasty led by Yang Tong has a good reputation and credibility among the people, and Yang Tong is a sacred person in the hearts of the people, but everyone never thought that the imperial court would have a relationship with the Ziqian family and Yin Ziqian, and they all thought that Yang Tong, who loved the people like a son, was deceived by others.

"The harm of Ziqian and Yinziqian is introduced in detail below, can you read the article before making a statement?" A student snorted coldly: "And the Great Sui National Bank is not the money of the family or the money of the Yinzi, the real purpose is to let the people be able to borrow life-saving money from the imperial court when they are desperate, how can the imperial court force everyone to die?" When it is not enough, you can also apply for bankruptcy to the local government, and once it is verified, you don't even need to pay back the capital. If you look at this profit, there is not even one in the tens of thousands of money in Ziqian and Yinzi, and there is no profit rolling. ”

"According to historical records, many dynasties are in a dilemma of lack of money, let alone us ordinary people? If we encounter difficulties and our relatives and friends have no money to borrow, then we can only embark on the road of no return to borrow Indian money. And the existence of this bank has completely knocked the Ziqian family and the Indian money into the dust, so that the people can use their spare money to make money, and when they are short of money, they can save their lives at a small price. ”

Another student said: "The court is worried that the people's hard-earned money will be stolen by thieves, so it encourages everyone to deposit the money in the bank, and even pays the money backwards in order to achieve the purpose of helping the people." For the people, this can not only avoid theft, but also make money, and the profit will be exactly the same as the benefit of borrowing. That is to say, if the people deposit consistently and the court lends consistently, then the court will not earn a penny. So in the end, it is the people who save money who benefit. ”

"Yes, as long as there are poor people, as long as there are natural disasters, the people will have a time to borrow money, which is unavoidable in any dynasty, and the bank is an institution that came into being, bringing chaotic lending into the jurisdiction of the imperial court. Since then, Ziqian's family and Yinziqian have been unable to survive, and the people have a way to borrow money. ”

"Not bad. Ziqian and Yinziqian are unscrupulous means to make money, squeezing the blood of the people, while bank lending is to benefit the people who deposit and borrow, and even when encountering bankrupt borrowers, the court will lose blood, which is a real good governance. ”

As the saying goes, the more the reasoning is debated, the clearer it becomes, and when everyone calmly reads the detailed introduction of various businesses, and the Ziqian family, Yinzi Qian, and the true meaning of the imperial court, which are used as negative teaching materials, they slowly tend to calm down.

"Yes, yes, I also saw the detailed introduction." The student who opposed it before looked ashamed, and even considered it from the perspective of the imperial court, and said with some worry: "There are countless people in the world, if everyone goes bankrupt, how can the imperial court bear it?" ”

"You are reading "Spring and Autumn" and crying, worrying about the ancients." One person said with a smile: "These questions, in fact, the imperial court has considered them very clearly, and the direction of making money is also very frank, among them, this bill of exchange." If I want to go to Luoyang City to do a big business, I need a principal of 10,000 yuan, and 10,000 yuan can't even pull a carriage, so I can exchange it for 100 gold coins or gold tickets, which is light and light, but the road is not safe. ”

Everyone nodded, a hundred gold coins or the corresponding gold tickets are huge sums of money, if they are targeted and robbed in the middle of the road, the loss will be miserable.

"If you deposit this 10,000 yuan in Daxingcheng Bank and issue a bill of exchange, then you can take this thin piece of paper and carry it closely, so that you can easily reach Luoyang without worrying about losing it or stealing it. Banks charge one percent of the fees. ”

"In other words, this 10,000 guan needs to be given to the bank 100 guan?" The crowd was dumbfounded.

They finally understood why the imperial court did not have to worry about being dragged down by bankrupt borrowers, if this kind of bill of exchange was prevalent in the world, the innumerable one percent of the commission was not a small amount.

"What is this money for a big businessman who has traveled thousands of miles? If you hire a young man to escort you all the way, I am afraid that the remuneration will be more. Of course, after all, the imperial court is not a money-making family, so the commission of bills of exchange has also been stipulated, the minimum fee standard is to remit one penny, and the highest is consistent, that is, if you remit 1,000 yuan, you will only receive you consistently, and you will only receive consistent money if you remit 10,000, 100,000, and 100,000, and 100,000. ”

In later generations, the flying money business prevailed for a while, and one-tenth of the fee was extracted, so in the end no one used it at all, Yang Tong certainly would not make this kind of mistake, and set the charging standard at the beginning within the acceptable range of all parties.

"It's not a small amount of money! But compared to the risk that businessmen who have traveled thousands of miles have to take, it is very worthwhile, and they will not care about such a small amount of money. ”

"That's acceptable!"

But some people also asked: "Aren't bills of exchange the same as gold and silver bills?" ”

"Of course it's different, gold and silver tickets are the same as money, if you lose them, others can use them. The bill of exchange is a voucher that cannot be used directly, you must go to the bank to exchange it for gold, silver and copper coins, or gold and silver bills, and you need a seal and a code, except for yourself, no one can take a penny, when it comes to security, it is none other than a bill of exchange. ”

“……”

With the release of this special issue, there was a lot of discussion, in the eyes of ordinary people, banks are just talking about money, and in the eyes of businessmen are more convenient and safe tools.

What really makes people pay attention to the shock and shock is a seemingly inconspicuous, but in fact a small game that debunks the tricks of Zijia money and printing Ziqian - that is, Zhu Yuanzhang's penny blood case of killing Shen Wansan, the richest man in the Ming Dynasty.

A penny is not much for the people of the Great Sui, but after doubling to a month, it reached a staggering 537 million yuan. This gave the people the clearest and most intuitive understanding of the harm of Ziqian's family and Yinziqian, coupled with the publicity of the special issue of "Half Moon Talk" and the harm that has always existed in these two kinds of money, which made its already bad reputation even more notorious.

Even people who don't pay attention to "Half Moon Talk" and the bank, under the spread of the neighborhood, know a lot about the game of 'making 500 million a month', and everyone who knows is frightened by this huge number, so they regard the money of the family and the money of the seal as a beast and avoid it like a snake and scorpion.