Although Zhang Cang has a lot of knowledge, to put it bluntly, he still came up step by step from the grassroots, and he often mixed with the grassroots in his early years.

And all dynasties, at the beginning of the founding of the country, have one thing in common.

That is, among these founding heroes, there are a large number of people who have come all the way from the grassroots.

Take the current Han Dynasty as an example, Xiao He, Chen Ping, Guan Ying, Han Xin, Zhang Cang, Zhang Buyi, Chen Tieshan and others all came step by step.

And Zhang Cang, as the secretary of the household department, is in charge of the empire's money and grain, although the economic development is not progressing fast, but many aspects are inseparable from his operation.

If you want to pick out a few people who are most familiar with the development of imperial industry and commerce, Zhang Cang and Xiao He will definitely be able to shoot in the top two, because they are the ones in charge of this matter.

Although Wang's method of not being hungry is a way, it seems that there are some deviations in the original intention.

"Your Majesty, although some words are not very good, but this is the truth, and the minister is not suing anyone, saying bad things about anyone, everything is based on the facts." Zhang Cang saw that the king was not hungry, and decided to have a good discussion with the emperor on this issue.

"Good medicine is good for disease, how can a huge empire be free of diseases?" Wang Buxing knows the truth very well, and he does not intend to rectify some problems that do not violate the principles.

However, if some tendencies are beyond the scope of one's own bearing, those who should be governed should still be dealt with vigorously.

And listening to Wang Bu's words, the tense nerves in Zhang Cang's heart finally relaxed a little, it seems that the emperor has already been mentally prepared.

It's best this way, so that the emperor won't be so angry when he says it himself.

"In the early years, a caravan moved hundreds of people, partly for the sake of safety, the merchants carried a lot of money and goods, the distance was far away, and the safety problem was always the biggest problem for the merchants, the situation was much better in the past two years, except for some remote areas, more than half of the counties and counties of the empire were very stable, and there would basically be no halfway robbery." Zhang Cang first said a reason.

"Hmmm! Wealth touches people's hearts, and some people who can't survive, criminals who have committed crimes and are on the run, will inevitably fall into the grass! Wang Bu nodded without hunger.

Now the internal security of the Han Dynasty is indeed very good, mainly thanks to the relaxation of the law, not to implicate others at every turn.

At the time of the establishment of the Han Dynasty, it was determined that for crimes committed in the pre-Qin period, only the criminals who committed capital crimes would be held responsible, and all other criminals who committed minor crimes or were implicated would be pardoned.

It was under this policy that many people who had to flee for these reasons reported to the government, and then the government found the case file and recorded the crime, and said that if they committed it again, they would be punished for several crimes.

At the same time, it also gave a warning to these people, and created a good environment for later stability.

In addition, the Han Empire has continued to reform agriculture in recent years, which has made great progress in agricultural production, and the output has increased year by year.

And the imperial court project is not blindly conscripted, but voluntary paid labor.

Life is good, who has nothing to do to go to the prison to play?

In addition, scouts are everywhere, where there is a bit of turmoil, the above can immediately know, and then before they can react, the army of encirclement and suppression comes.

"Your Majesty, the reason why the caravan needs hundreds of people is mainly because it needs so many people on the way, after all, the strength of livestock is also limited, and some places with bad road conditions still need manpower to help, and people can only feel at ease when they go long distances, although they don't have to worry too much about safety, but the safety problem is still not allowed to go, after all, when they go, they bring a cart of money and food."

"In addition, when passing through the counties, there will also be an unwritten rule, and the caravan needs to pay a certain fee to the counties in order to pass normally." Zhang Cang said.

"Isn't this the King of the Mountain? Has the county government done this kind of thing now? Wang Bu was hungry, and his face was a little gloomy.

Zhang Cang shook his head and said: "Your Majesty only knows one and doesn't know the other, now everyone is poor, although there is no shortage of food, but some places still need to use money, and the imperial court does not have enough money to allocate it, so they can only find their own way, fortunately, the officials in various places can still restrain themselves, and they have not gone too far, and the merchants can reluctantly accept it." ”

"Therefore, it is even more necessary to set up a transportation team, and each county in each country has set up a transportation team, and in the future, it will only be responsible for the transportation of goods to Linxian County!" Wang was not hungry and a little speechless.

If an official is corrupt, he is indeed very angry, but in this situation, it is still the pot of the imperial court.

There is not so much money, but there are so many things to do, what can the officials below do?

Of course, you can only find a way to make money, and in this situation, the person who can restrain himself from filling his own pockets is considered a good official.

Of course, Wang Bu is not a saint, and it is impossible for him to do the kind of thing that makes the horses run and does not give the horses grass.

Therefore, the matter of the transport team is even more necessary, but the distribution of interests needs to be redivided, and it must always be evenly wet, otherwise how can the people below live?

Thinking of this, Wang Buxing continued: "Luoyang transported to Xingyang, a car of eight money, through Gong County, a total of three days, it will be divided into two, Luoyang transport team will send the goods to Gong County, and then the Gong County transport team will send it to Xingyang, eight money freight Luoyang Gong County each take four dollars, in the future, when there are more goods, the return is also with the goods, there is no need to come back empty-handed." ”

"In addition to maintaining the normal operation and expansion of the transportation fleet, the other profits of this money are freely disposed of by the county and county governments."

"Your Majesty, although this method is good, but it is still not very good, the merchant has taken the transport team, and it saves the expenditure of paying fees to various places, but the money is not easy to do, if the transport team is used to transport money, I am afraid that many people will not rest assured...... Zhang Cang continued.

Not to mention the money, even now, let them transport the goods, it is estimated that there are a lot of people who are not at ease.

"It's easy!" Wang Bu smiled and thought it was a big deal.

"To open a money village in the name of the household department, each county must have one, or take Luoyang and Xingyang as an example, merchants can deposit 10,000 yuan in Luoyang money village, designated in Xingyang money village to withdraw, the same according to the distance to charge, according to the standard of 1,000 taxes, 10,000 yuan only need to pay a fee of ten yuan, five days later can be voucher in Xingyang money village to take out the money."

The idea that Wang is not hungry instantly aroused heated discussions among everyone.

Transporting money and transporting goods are completely different concepts, and when transporting money, more people are often hired to protect along the way, so the cost is naturally high.

But according to the tax rate of one thousand taxes mentioned by Wang Buxing, it is actually not expensive at all, and 10,000 yuan is only a fee of ten yuan.

It is difficult to do business, the difficulty is in the circulation of money and goods, and the goods from afar cannot pass, mostly because of the inconvenience of transportation and economy, and businessmen need to carry money all the way to hundreds or even thousands of miles, and the risks encountered on the way are unknown.

And through the money bank model, even if the cost is twice as high, it is worth it for the businessman.

At least they save the cost of hiring personnel, the invisible expenses of being asked for benefits by the counties on the way, and the fear along the way.

Through the money bank, they can walk and play with peace of mind along the way, and only a few people can go to the place to do things, and then come back easily.

"Your Majesty, this can be ......" Zhang Cang figured out the key and nodded instantly.

If the transport team is a cake for the local government, then the money bank is a special cake for the household department.

How much does it weigh? That is, the weight of seventy pounds in later generations, and more than two stones now.

"A car can pull almost ten stones, if you don't consider the speed and load, you can even pull twenty stones, and ten thousand dollars are only more than two stones, this car is eight or nine times the profit......" Zhang Cang calculated excitedly.

How can you not be upset?

Pull a car of money from Luoyang to Xingyang, the money village can earn more than 90 dollars, if every place pulls out a car every day, then how much is it?

Looking at Zhang Cang, who was excited and had lost himself, Wang was a little speechless, and he couldn't bear to break his dream.

However, it's useless, and he can't be excited until the end to know that if you want to make money from this, it's actually very unreliable, right?

"The money bank also needs to hire people, in addition to expenses, the money bank does not need to put the main profit point on transportation, I think it is possible to set up a large money bank in the county town to store the money of the whole county, and the money bank of each county decides how much reserve to store according to its own situation and the scale of the flow of money."

"The money bank does not need to transport the money every time it receives a fixed-point deposit and withdrawal, so it is too wasteful, the two sides only need to record it clearly in the accounts, the county's money reserve is less than the limit amount, and the money is transported from the county to replenish it, and the counties carry out liquidation and verification every month, and make a delivery every three months, anyway, they all belong to the household department in the end, so that only need to work the accounts, you can avoid transporting money back and forth, resulting in unnecessary expenditures."

"In addition, the main profit point of the money village is to lend, just like lending money to officials to buy houses from the imperial court before, it can also be loaned to merchants now, but it is necessary to do a good job of review, and can even lend to the people for agricultural production.

The king was not hungry and said.

It must be false to say that you don't want to make money, and it is definitely false to say that you don't want to make money.

But what Wang is not hungry knows better is that the meaning of the existence of the two things, the transport team and the money bank, is not just as simple as making money.

These two things can directly promote the speed of money and goods circulation in the Han Dynasty, the transportation team needs people, the money village also needs people, and merchants want to purchase goods, so they need people to produce goods.

The merchant got the goods, the people who produced got the money, and when they had the money, they could buy other goods.

Money will not increase in value when it is placed at home, only if it is constantly circulated, it will continue to make money with money, and the court can continue to collect taxes and fees in the process of circulation.

When the commercial circulation reaches a certain scale, will the imperial court still be short of money?

To put it bluntly, there is only one purpose for doing so much, creating jobs, it's that simple.