Chapter 381 Printing Money, Counting Money, and Making Money

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Gold was originally the legal tender of the Han Dynasty, but because the currency value was too large, it was generally not directly circulated in the market, and it was mainly a serious currency such as five baht coins, and such improper things as gold cakes were usually only used as rewards or gifts between the powerful.

Now Liu Hanshao has proposed a concept similar to the "gold standard", which is actually too early, because Dahan does not have so much gold to support market circulation, and if there is a run, it will probably be able to change Dahan's gold in minutes. Fortunately, people at that time did not have this concept, and the Han Dynasty called gold, silver, and red copper all "gold", called "gold, platinum, and red gold". Therefore, even if there is a real run one day, people will use paper money called "split bills" to exchange copper coins for "red gold".

Well, fools have foolish blessings, and they learn to take care of scumbags.

After Liu Hanshao's efforts, everyone also felt that it should be feasible to use paper money, anyway, the copper coin is not invalid, but the face value is smaller.

Then, the dish that everyone was most concerned about was finally served, because Liu Hanshao agreed to the letter of the Prime Minister's Mansion to establish a bank.

Seeing that the royal bank was making money, many people instigated Lao Yang to ask the emperor to open a bank in the name of the Prime Minister's Mansion, but Liu Hanshao always said wait and wait. And today, when the bosses of the three governments and one court agreed to Liu Hanshao's proposal to gradually use paper money, Liu Hanshao finally agreed to the Prime Minister's request to open a bank, but put forward several opinions.

First of all, the Xiangfu Bank cannot be in the name of the Xiangfu, but in the name of the state, and the name is set as the "Dahan National Bank".

Second, when absorbing shares, you can't just take whoever has money. The "Dahan Royal Bank" is divided into "Royal Shares, Imperial Shares, and Clan Shares", while the "Dahan National Bank" is divided into "State Shares, Guochen Shares, and Guoren Shares".

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The "State Shares" are equivalent to the "Royal Shares", which represent 52 percent of the total assets of the National Bank and are non-tradable, non-transferable, non-refundable and non-inheritable.

The "Guochen Shares" are similar to the "Imperial Shares", which are registered shares, and only officials above the third rank are eligible to participate in the shares. As far as the current new nine products are concerned, the boss of the three houses is the main and deputy products, and the following "ministries, departments, departments, and bureaus" are the main and deputy two products and the main and deputy three products. For example, Wu Fu, the director of the current Mint, and the State Administration of Taxation are the deputy third products, while the Prosecutor's Department is the third product, the Audit Office is the second deputy product, and the Ministry of Communications is the second product.

After leaving office, officials can continue to hold "national ministers' shares", or they can inherit or transfer them, but they may not continue to buy them. At the same time, if an official commits a felony and receives the death penalty, his shares will be confiscated. Newly promoted officials, after reaching the qualifications for shares, will be accounted for by the State Bank every year, the value of the shares will be announced, and then the new shares of the state ministers will be purchased.

"Guoren shares" are equivalent to "clan shares", which absorb social assets and can be bought and sold freely, and are also 10,000 to 1 with "Guochen shares", and are anonymous.

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"Lao Yang, after the establishment of the National Bank in the future, the strength will definitely be much greater than that of the Royal Bank, brother will give you a move......

Who would have thought that before Liu Hanshao's words were finished, he was interrupted by Yang Biao in a hurry.

"Your Majesty, the National Bank is owned by the state, and Your Majesty is the head of the country, how can you say you? If Your Majesty said this again, the old minister would not dare to mention the establishment of a national bank again. ”

Liu Hanshao gave himself a mouthful gently, but it was more like giving Yang Biao a flying kiss, and said again: "Our national bank is strong, and it can open business outlets all over the country in the future." So, if all the taxes that come up from all over the world go from the banks, what kind of huge business will it be for this alone? ”

The eyes of everyone who listened to it were glowing with gold, and they gasped, how much is the tax revenue of the whole country? However, they frowned and pondered, no! There is a lot of money, but it can't fall into our own pockets, do we dare to charge the service fee of the state tax?

Liu Han rarely saw that everyone was overjoyed and then stunned, so he had to say again: "In the past, the court and the people rested, and when the country was fine, the people were naturally rich, and the treasury was full and rotten and could not be studied. However, in the event of a disaster year, the country is in turmoil, and the livelihood of the people is difficult to maintain. After we have a national bank, it is equivalent to setting up government coffers in all parts of the country, and then depositing the taxes collected by the local governments into the bank, and allocating them according to the needs of various localities. In other words, the National Bank is the treasury, not only thinking about how to save money, but also thinking about how to spend it, because only the more money spent, the more money will be earned, so that the more money will only rust in the treasury? ”

Regardless of whether they understood it or not, anyway, everyone nodded along with it, but Cao said jokingly: "I'm afraid that there will be too much money recovered in the future, and too few people will dare to take out loans and spend money, and the money will still have to be put in the bank to rust." ”

That's true!

In the past, the Ziqian family had a scary high profit, and once anyone borrowed money to live, it was equivalent to preparing to sell their houses and land, or even sell their children and daughters. And those businessmen were originally rich people, and among these people, there are actually few who need or dare to borrow money to do big business.

This...... It's embarrassing.

If we really start a bank, we have a lot of money in saving, and we can't spend it even if we can rust and grow hair, wouldn't we have to laugh and be generous?

"What Meng De said is wow!"

Liu Hanshao gave a loud praise, which startled everyone in contemplation, even Cao Ye's head was black, and he said in his heart, Your Majesty, did you understand what I said? I want to joke that they want to get rich and go crazy, and as a result, they put all the money in the bank and can't spend it!

However, everyone heard Liu Hanshao say: "Spending money is a science!" In the past, the imperial court always wanted to collect all the taxes, thinking that if you stuffed the money into the treasury, you would be rich, but as everyone knows, the money stuffed into the treasury was actually not money, but a bunch of rusty gold lumps. And the more serious problem is that although the imperial court is light on the meager endowment, the local officials, insatiable, layer by layer, eventually overwhelmed the people, but also endangered the stability of the country! Therefore, my brother thought, in the future, we will start with taxes and leave a certain proportion for the local government, so that the local officials not only have the power in their hands, but also have the money, which can build the local government, invigorate the economy, serve as an official, and benefit one party. ”

This topic is more worrying, as if we don't run a bank, the local officials will be all bad guys, Yang Biao, who is the prime minister, immediately asked: "Please also ask Your Majesty to solve the doubts of the ministers." ”

Doubts?

Liu Hanshao himself is plausible, purely stupid and bold, it would be strange if he could solve the puzzle, but people will fool and make analogies!

"Let's say a county receives 100,000 dollars in taxes this year. Turn in seventy percent, leave thirty percent. These three achievements are 30,000 yuan, and four of them belong to the local payroll office, and six of them belong to the local finance bureau. Saying that the payroll office has little money and that the officials are not enough to distribute the money can only show that the county is relatively poor, and let him be cheeky enough to ask for subsidies. On the other hand, if a county has millions of dollars in taxes, it will not only pay the salaries of the officials, but also pay a little more bonuses. ”

Liu Hanshao took a sip of water, thought about the words, and continued: "As for how to use the money of the Finance Bureau, it is up to the local officials in charge to decide, and this is also a test of the ability and wisdom of officials. For example, we are now not only building the Qingtian Avenue, but also building the roads between the states and the Jingshi. If there is a county that is relatively close to the state road, and is willing to spend some money to build the county road and connect the state road, then their county will have much easier transportation in the future, make a lot of money, and have more opportunities to get rich. When the people get richer, they pay more taxes, the county has more local finances, and the officials can do more. Can the people not be happy when such an official is in charge of the place? ”

Xun Yu, the right minister, felt and said: "What Your Majesty said, great wisdom and kindness." The state has changed from passive spending to active spending, and not only the imperial court must learn to spend money, but all localities must also learn to spend money. Spending money can make a difference, spending money can benefit the locality, if you want to be a good official, you must first learn to spend money! ”

"Well, that's what it means. Wen Ruo's spending on money is very well summarized! ”

was praised by Liu Hanshao in public, Xun Yu was embarrassed, everyone laughed when they saw it, and they didn't know what they were laughing at? If I'm not mistaken, everyone originally seemed to be running about how to make money, but now that Mao has only solved the problem of spending money, they are still happy not to want it?

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The right minister Xun Yu spoke, and the left minister Huang Wan also had to brush his sense of existence, and asked suspiciously: "Your Majesty, if the county can retain taxes, can the county and the state also retain them?" If a county still retains 30%, even if the state and county are the same as the county, then the imperial court only has 10% of the tax, isn't there no money available? ”

"If the county retains 30 percent, the county can only keep 2 percent, and the state can only keep 10 percent."

Liu Hanshao's words suddenly sounded, and it seemed very unreasonable, but if you think about it carefully, it makes a lot of sense. No matter how rich a county is, there is only one county, and no matter how poor a county is, it is also composed of several counties, so there must be much more than 20% of the counties than 30% of the counties. In the same way, even if there is only one percent in the state, it will be much more than the county, and the central court will eventually receive the largest part of the tax revenue, which is used to support the state's expenditure, their own large-scale construction, and peacetime reserve funds.

At the same time, this approach can also "support the county, level the county, and suppress the state", because the state of the Han Dynasty is too big, and if there is too much money left, they can do too much.

After figuring out this twist, everyone also nodded cautiously in agreement, making money is a small matter, and the stability of the court is the most important, and a few years ago, it really scared people.

In the end, Liu Hanshao concluded: "In this way, the Hanjin Joint Reserve Bank is in charge of printing money, and the Dahan National Bank is in charge of counting money, encouraging the people to make more money, and our money will really become money, and our Han will gradually prosper and steam." ”

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