Li Jun and Xiao Wangzhi had a very pleasant conversation, Li Jun also learned a lot, thought about it carefully, recently he is a little arbitrary, this is a taboo for politicians, since ancient times, China is a group of people who work together, the reason why the Ming monarch in history is a saint in the early stage, is because there is a group of virtuous ministers and good generals around to assist, to the later stage it is different, people are always suspicious, plus they are used to the life of the emperor, no longer as they were as young as they were trembling, do whatever they want, At this time, the whole empire will be unlucky.

After sending Xiao Wang away, Li Jun sighed to Sima Da: "Sima, you have changed, when you first met me, you agreed to speak up and give advice, but now how long have you not given me advice?" ”

Sima Da smiled bitterly: "Your Majesty, it's not that the ministers have changed, but the way of the world has changed, Your Majesty has been succeeding to the throne, and various policies have emerged in an endless stream, and at this time the ministers don't know how to distinguish between right and wrong. ”

Sima Da never tells lies, this Li Jun still knows, Sima Da's words are also to the point, not to mention Sima Da, even Li Jun doesn't know whether the policies he brought will deteriorate in Datang, but at this time, as a reformer, Li Jun must resist to the end no matter what, because once he admits his mistake, then it will be time for the world to be in chaos.

So Li Jun patted Sima Da on the shoulder and said, "Sima, I have never treated you as a courtier, so I also hope that in the future, whether good or bad, you and I can work together and fight for Datang all our lives." ”

"Your Majesty rest assured, Your Majesty will treat his ministers as a national soldier, and the minister will definitely repay him with a national soldier." Sima Da said movingly.

The first courtier Li Jun came into contact with in the world was Sima Da, so Li Jun had a feeling of being a teacher and a friend to Sima Da, at this time Sima Da's confusion Li Jun also understood, so he did not force Sima Da to express his position, Li Jun believed that once Sima Da figured it out, he would definitely become his right-hand man.

The monarch and the ministers were talking happily, at this time Zhang Zhi asked to see, Sima Da just wanted to leave, but was left by Li Jun and said: "Zhang Zhi should talk to me about the imperial court loan, you might as well stay and listen." ”

"No." Sima Da returned to his place and sat down.

After Zhang Zhi came in, he said excitedly after saluting: "Your Majesty, the minister has thought clearly, the loan you said is really a million profits." ”

Li Jun waved his hand and asked the palace maid to serve Zhang Zhi a cup of tea and said with a smile: "Zhang Qing, speak slowly, don't worry." ”

"Thank you, Your Majesty."

When Zhang Zhi was almost relieved, Li Juncai said with a smile: "Zhang Qing, I will give this new institution a name first, can it be called Qianzhuang?" This makes it easier for everyone to talk. ”

"Your Majesty, a good name, just in line with the meaning." Zhang Zhi praised.

"Haha, then Zhang Qing will tell me what to do with this money bank, right?"

"Your Majesty, first of all, the main purpose of the establishment of the money bank is to exchange for old money, so this should be regarded as the first business of the bank." Zhang Zhi said eloquently.

Li Jun nodded with satisfaction and said: "This is the first element, Zhang Qing must hurry up, and must not slack off." ”

"Obey."

"Okay, then Zhang Qing will talk about other things, right?" Li Jun asked with a smile.

"Your Majesty, the minister plans to open six money houses in Gusu, Changsha, Chengdu, Luoyang, Chang'an and Linzi......"

"Why six? Isn't one place enough? Sima Da interrupted Zhang Zhi's words and asked.

Zhang Zhi replied with a smile: "Lord Sima is like this, if you want to do business, you must have a network line covering the whole country, so that you can collect interest, for example, a businessman set off in Chang'an, and then go to Shandong to do business, he can directly deposit the money into Chang'an Qianzhuang, Chang'an Qianzhuang will issue a voucher, this businessman can go to Linzi Qianzhuang to withdraw money with the voucher when he arrives in Linzi, so that the businessman will save the cost of driving and horses, and it is safe and reliable, our Qianzhuang only needs to charge a percent of the interest." ”

"High, really high." Sima Da praised from the bottom of his heart after hearing this.

Zhang Zhi immediately shook his head and said, "This is not Zhang's idea, these are His Majesty's thoughts." ”

Sima Da immediately said, "Your Majesty is wise. ”

Li Jun shook his head and said, "Zhang Qing, keep talking, do you have any other business?" ”

Zhang Zhi nodded and said: "Your Majesty, there is another business, the minister has explored it in detail, and the interest rate on private loans in Datang is as high as fifty percent, so the minister also wants to lend, and the interest is ready to be controlled at about two percent, so that on the one hand, it will crack down on the unscrupulous money merchants, and on the other hand, it can also make money for the money bank." ”

"This method is very good, but you must also remember that not just anyone can borrow, you must make a detailed assessment before borrowing, I don't want to see Qian Zhuang with a group of people to collect debts in the future, it will be a shame for the court." Li Jun added.

"Your Majesty, don't worry, before lending money, the minister will fully evaluate everyone's assets before lending." Zhang Zhi said immediately.

Li Jun continued to ask, "Zhang Qing, is there anything else?" ”

"That's what I've thought of for the time being." Zhang Zhi shook his head and said.

Li Jun said with a smile: "Zhang Qing, it's already very good, I still have a few ideas, add more, Zhang Qing listen." ”

"Your Majesty, please speak."

Li Jun coughed and said: "That's the case, Zhang Qing, since there is a loan, then I think there can be another function of saving money, Zhang Qing just imagine, the people have money, and it is easy to be robbed in their own homes, so many people bury their money in the ground, in the long run, is it still useful for me to issue new money?" Anyway, if I issue a batch, everyone will bury a batch in the ground. ”

"Your Majesty's words are reasonable, as long as the court has a good reputation and regularly gives some interest to those who save money, this saving is completely feasible."

"Haha, Zhang Qing is worthy of being a financial master, in a word, to the point, it is true, if the money village wants to maintain, its reputation cannot be broken, so I decided to separate the money bank from the treasury and my inner treasury, that is to say, this money bank must be a joint venture with the outside world, so that the reputation of the money bank will be good, even if there is an unfilial king in the future, it will not affect the operation of the money bank." Li Jun said with a laugh.

As soon as Li Jun's words fell, Zhang Zhi and Sima Da sincerely admired: "Your Majesty is broad-minded, which is really a blessing in the world. ”

Li Jun looked at Sima Da, a guy who usually never knew what a sycophant was, said this, and couldn't help but feel a little proud in his heart.

At this time, Sima Da suddenly said: "Your Majesty, Lord Zhang, the minister also has an idea. ”

"Oh, you elm pimple is also enlightened, let's say."

Sima Da scratched his head and said embarrassedly: "Your Majesty, the minister thinks that if the money village can really be implemented in the future, then the court can also save money in it, once there is a disaster or war, the court will not need to transfer grain from everywhere in the future, just find the nearest money bank, take money from the money bank, and buy grain directly in the local area." ”

Li Jun clapped his hands and said, "Okay, good idea, so let's do it, I will discuss with the newly appointed Yuan Zhan, the new governor of Su Nei, and when the money village opens, let him deposit a sum of money first." ”

Zhang Zhi suddenly thought of something at this time, and hesitated again and again in his heart but still had the courage to say: "Your Majesty, the minister feels that there is no need to completely separate the money from the royal family, first of all, if there is no royal support, it will be difficult for the money to open the bank, and if the money village is completely controlled by outsiders in the future, then it will be very disadvantageous to the royal family." ”

Li Jun said with a smile after hearing this: "It seems that Zhang Qing has taken a fancy to the deposit in the inner treasury, okay, since this is the case, then I will be cheap for you, Datang Qianzhuang has sixty percent of the shares, how much money is needed, you can go directly to Shaofu to get it." ”

Seeing that Li Jun agreed so lightly, Zhang Zhi was very emotional in his heart, it seems that he is a villain in vain.

After the three of them got things done, it was almost evening, Li Jun left Zhang Zhi and Sima Da behind, the three of them were good at drinking, so they drank a little too much that night, and after getting up the next morning, Zhang Zhi came over for the first time.

Looking at Zhang Zhi's energetic appearance, Li Jun smiled bitterly and said: "Zhang Qing, you can drink so much, you drank so much last night, it has no effect at all, but it's not like me, I still have a headache now." ”

"Your Majesty has won the award, the minister is used to drinking on the battlefield for a long time, if you want to say that Your Majesty is massive, the minister is not as good as Your Majesty at your age." Zhang Zhi said flatteringly.

Li Jun waved his hand and said, "Okay, don't be a sycophant, is there anything urgent about coming to me so early?" ”

"Your Majesty Shengming, this little bit of caution in the minister's stomach can't be hidden from Your Majesty at all, that's the case, Your Majesty, since the minister has taken over the work of Qian Zhuang, it is estimated that he has no time to do the affairs of Shangshutai, please choose another talent." Zhang Zhi said with a smile.

Li Jun nodded and said: "Li Lin is indeed too busy with the affairs of Shangshutai alone, but there is no need to choose another person, I am ready to let Sima Da fill your position, the Confucian scholar Yan Jiao under Sima Da is doing well, he will be appointed as the secretary and supervisor." ”

"Since Your Majesty has already made a decision in his heart, the minister will go to do things."

Li Jun waved his hand and said, "Go ahead, I have something to bear for you, don't be afraid." ”

"Thank you, Your Majesty." Zhang Zhi said sincerely, there are really not many monarchs like Li Jun, who dare to delegate power and protect their shortcomings......

The news of Shang Shutai's new appointment spread quickly, and many people were envious of Yan Jiao, a junior who could be promoted to a fourth-grade secretary in just one year, but more people were jealous, especially the Mo family's Yusuo.

Some time ago, Yu Su had just made a banquet for his Mo family, and now it is good, in the blink of an eye, there is one more four-grade official on the side of the rival Confucianism, and this four-grade official still stays by the emperor's side every day, how can this not be worrying?

In fact, not only Yusuo, but also the rest of the hundreds of schools of thought that it was so inappropriate, but now that the imperial examination is about to begin, and Gantang is about to start school, everyone has focused on these two major events, and they can't free up their hands to clean up Confucianism for the time being.