Zhao Dongting seemed to have returned to the time when he had just started from scratch in his previous life, and at that time, his eyes were also full of obstacles.

He was silent for a long time.

Big and small things, family affairs and state affairs, Zhao Dongting believes that no matter how difficult things are, there is always a solution.

After a long time, Zhao Dongting suddenly asked, "How are the domestic gold and silver shops now?" ”

During the Song Dynasty, the shops that exchanged and stored gold and silver were called gold and silver shops, some of which were state-owned and some were privately owned.

In addition, there are also cross-reference shops that are specially used for exchanging cross-references. A cross-quotation is a cash or exchange voucher obtained by a merchant after paying for a commodity.

It's just that after the Great Song Dynasty was forced overseas, the state-owned gold and silver shops in various parts of the Song Dynasty had already existed in name only. Naturally, this is even more so.

It can be said that except for a small number of state-owned industries that were set up in Leizhou in the Southern Song Dynasty, the state-owned industries in the rest of the country have either stopped or been occupied by private individuals, and some people have taken advantage of the war to make a lot of war money. Of course, most of them must have fallen into the purse of the Yuan Dynasty.

The reason why the Great Song Dynasty was financially tight was that its financial source could only rely on private taxes.

When Lu Xiufu heard Zhao Dongting's words, he sighed: "The people are displaced, and now there are not many private gold and silver shops, and most of them are just struggling to support themselves. ”

"Really?"

Zhao Dongting was surprised: "With today's world, there should be countless bad debts, how can it be difficult for private gold and silver shops to operate?" ”

In his mind, before the war, there must have been a lot of gold and silver shops running away with money. During the war, many people were poisoned or displaced, and the gold and silver they had in the gold and silver shops should never be able to get back. Could it be that the gold and silver shops put out more money than they stored?

This is obviously unlikely.

Lu Xiufu was slightly stunned.

Because, he also heard this from Chen Jianghan, as a state order, he can't do everything.

Now it seems that there is a lot of moisture in the words of those gold and silver shop owners! This made Hideo have some resentment in his heart towards the owners of those gold and silver shops.

Da Song is now in such a difficult situation, they dare to make such a false report.

Although it is true that some of the gold and silver have been looted, with their ability, each family has many guards from the rivers and lakes, and it will never be like this.

Lu Xiufu was a little annoyed and said: "This is just the news that the officials of the Ministry of Finance got after their visit, and I am afraid that there are a lot of lies in it." ”

Zhao Dongting nodded, "Since that's the case, then simply order them all to be closed." Isn't it difficult to operate, our imperial court will run it instead of them. State-owned banks have been set up in all counties and in China, and this matter will be personally supervised by you and Chen Shangshu. The state-owned money banks, collectively known as Huaxia Bank, took advantage of the approaching New Year to promise the people an interest slightly higher than that of the private gold and silver shops, so that their families could deposit their surplus money in the state-owned banks. As for loans, the interest rate is slightly lower than that of private gold and silver shops. ”

Banks, which are naturally a new term in this day and age.

However, Lu Xiufu and the others have become accustomed to Zhao Dongting's endless new ideas, so after being slightly stunned, they quickly accepted this ranking.

It doesn't sound like there's much difference between a bank and a bullion shop.

Chen Wenlong said loudly: "Your Majesty, will this cause collective opposition from private gold and silver shops?" ”

"Huh."

Zhao Dongting chuckled, "Compared to the interests of the entire country, what is the gold and silver shop in this mere land of Leizhou. If they object, they will arrest those who are stubborn first, as they did when the government implemented the system of dividing the land. ”

He said it lightly. Because Zhao Dongting knew very well in his heart that it was impossible for the imperial court to satisfy everyone's interests.

At present, the development of the economy and people's livelihood is the top priority. Don't say that it is a private gold and silver shop, which is the interests of the imperial court, and Zhao Dongting is also willing to lose.

Chen Wenlong's eyes condensed slightly, and he stopped talking.

Zhao Dongting's words are enough to show that he has made up his mind about this.

As a courtier, just choose to execute at this time.

On this day, Zhao Dongting followed Lu Xiufu and others to leave Wuliang Mountain and returned to Haikang.

This is the helplessness of being an emperor, he just wants to be idle, and he will never be idle for too long.

After returning to Haikang, Lu Xiufu and others began to draft a decree to close down private gold and silver shops and establish Huaxia Bank.

For more than two years, because Zhao Dongting often led the army to go out on expeditions, the original state-owned money bank has never been implemented, and the people are still in a situation where each gold and silver shop is in its own position. Now, under Zhao Dongting's decision, the Great Song Dynasty is destined to make drastic changes in the field of gold and silver.

Zhao Dongting returned to his dormitory, and first asked the guards if Le Wu had returned.

The guards said no.

So he went back to his bedroom, wrote and drew on his desk.

The establishment of a state-owned bank alone may be able to accumulate a lot of start-up capital for the imperial court, but it is certainly not enough.

Leizhou is only a big place, even if all the silver money in Leizhou is gathered, it is impossible to support the revival of the entire Guangnan West Road, right?

Ying'er stood behind Zhao Dongting and gently kneaded Zhao Dongting's shoulder. It's just that there is a faint melancholy on her pretty face.

Zhao Dongting has pampered her several times, but her stomach has never moved.

As Zhao Dongting's only concubine, Ying'er is now under a lot of pressure, because the entire court is waiting for her to give birth to a dragon son.

Could it be that there is something wrong with your body?

Ying'er once thought so, but after letting the imperial doctors in the palace see it, the imperial doctors said that there was no problem with her body.

That's the emperor's problem?

But now, who dares to tell the emperor about this?

Yang Shufei was embarrassed to say that Ying'er's temperament was destined not to speak. And the courtiers below didn't dare to say anything.

When Ying'er was distracted, Zhao Dongting turned around and asked, "Ying'er, what's wrong with you?" ”

He felt that Ying'er's plain hand stopped, and when he looked back and saw Ying'er's expression, he knew that Ying'er had something in her heart.

Ying'er bit her red lip lightly, hesitated several times, and finally said, "Ying'er is just worried about Sister Le Wu." ”

She still didn't dare to say what was in her heart, just thinking, waiting, maybe one day she would get pregnant.

Zhao Dongting shook his head, "Alas, this Nizi is really not serious, and she hasn't come back for so long." ”

With that, he went down to write again.

It wasn't until evening that Zhao Dongting got up and walked out of the bedroom with Ying'er.

The paper in his hand was already covered with dense words. At this point, Zhao Dongting's economic reform policy in the Song Dynasty was set in the embryonic form.

As soon as he arrived in the courtyard, he instructed the guards to invite Lu Xiufu, Chen Wenlong, Chen Jianghan and other important ministers of the State Council and the Ministry of Finance.

Although the Southern Song Dynasty is now in ruins, economic reform should not be taken lightly. If it is changed well, the Southern Song Dynasty is likely to get out of the predicament and usher in an economic take-off, and if it is not changed well, it will be even worse, and the economic situation of the Southern Song Dynasty will completely collapse.

While waiting for Lu Hideo and others to come, Zhao Dongting was still carefully examining his policies.

There was a new order on the paper that made him extra cautious.

Gold and silver transactions were cancelled and paper money was issued.

In the Northern Song Dynasty, there were Jiaozi, but later because of the excessive issuance, Jiaozi was flooded and was no longer valuable.

By the time of the death of the Northern Song Dynasty, the emperors of the Southern Song Dynasty had not been able to reverse the situation. It's just that the gold and silver returned to the economic stage, and Jiaozi gradually disappeared.

Now, with the decline of the Southern Song Dynasty, Jiaozi has almost completely disappeared, and it can no longer be used for trading.

However, the Yuan Dynasty officially issued the "Zhongtong Jiao Banknote" and the "Zhongtong Yuan Baobao Banknote" 20 years ago, and they were running well, which made the economic situation of the Yuan Dynasty better than that of the Song Dynasty. When Zhao Dongting was in the bamboo forest, he hurriedly discussed with Lu Xiufu and others, and at first he didn't think of paper money, until he returned to the dormitory, he suddenly thought of this.

If the banknotes were issued well, it would probably be the best way to change the economy of the Song Dynasty in a short period of time.

The money is issued by the imperial court, how much to send and how much to save, is it not the imperial court that has the final say?

As long as the people recognize this kind of paper money, will the imperial court be rich?

And if you have money, it's easy to get things done.

Less than two quarters of an hour passed, Lu Xiufu, Chen Jianghan and others arrived together and knelt down at the gate of the courtyard: "The ministers and others knock to see the emperor." ”

Zhao Dongting beckoned and said, "Everyone, please get up, come over quickly." ”

Lu Xiufu and the others walked up to him, their eyes looking at the paper on the stone table. His face changed slightly.

Because the first four words on the paper are "issue banknotes".

As important ministers, they all knew how this incident would affect the Great Song Dynasty.

Before Zhao Dongting could speak, Lu Xiufu couldn't help but ask: "The emperor intends to issue Jiaozi again?" ”

Zhao Dongting asked them to sit down, and laughed softly: "What do you think of my move?" ”

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