Xiang Yan heard Kou Ji's words and was speechless.

Kou Ji was right, money was not that important to him anymore.

If he wants money, he can easily get it.

The Great Song Dynasty Money Village is the money village of everyone in the Great Song Dynasty, the property of Zhao Zhen alone, and the floating wealth jar of Kou Ji.

If Kou Ji really wants to use the money immediately, whether it is through Zhao Zhen's hand, or he can carve a template and adjust some ink to print.

In particular, Kou Ji carved the template and mixed the ink to print by himself, so he could be silent.

The Jiaozi template used by Da Song Qianzhuang today is still the same set of templates that Kou Ji originally helped Yizipu.

Since the opening of Yizizipu, no one has thought of making a new set of templates to replace Kou Ji's set of templates.

But without exception, the templates made are far from the templates made by Kou Ji.

What's more, almost no one can prevent the ink of Kou Jituo.

Zhao Zhen's loyal servant Chen Lin once wanted to change the ink that Kou Ji had mixed and erased the traces of Kou Ji's in Yizipu. So he found the only dumb slave who knew the ink recipe except for Kou Ji, and developed the ink for a long time, but it was unsuccessful.

At present, there is no printing craftsman in the Great Song Dynasty who can break through Kou Ji, so he can't make Jiaozi templates that can surpass Kou Ji.

There is no substitute for Kou Ji's Jiaozi template.

Therefore, there is no difference between Da Song Qianzhuang and Kou Ji's floating wealth jar.

After Kou Ji handed over the establishment of the money bank to Xiang Yan, he did not pay attention to this matter anymore.

Xiang Yan's speed is very fast.

The next day, she went to the household department and Honglu Temple to obtain the documents permitting King Han to open a money village in Bianjing City and other places, and then went to the Great Song Money Village, paid the deposit required to open a money village, and then selected the shop and began to decorate it according to the appearance of the money village.

Half a month later.

The official opening of the name Tianci Qianzhuang.

On the opening day, many people came to congratulate them.

But Xiang Yan didn't show up, but just used a shopkeeper surnamed Kou as a façade.

With the opening of Tianci Money Village, other wealthy people also woke up and rushed to Da Song Money Village with money to pay the deposit.

Money banks of various names have sprung up like mushrooms after the rain.

The wealthy and big families all regarded this matter as a profiteering industry, so they rushed to squeeze in.

The wealthy families all felt that a Cotai Avenue was laid in front of them, but they didn't know that Zhao Zhen had stepped firmly on the Cotai Boulevard.

Inside the Shikudo.

Zhao Zhen said with a heroic smile: "Fourth brother, I originally thought that there would be many disasters if the people opened a money bank. I didn't expect that after your skillful adjustment, there would be such a big benefit.

Those wealthy families all thought that they were taking advantage of it, and went to the Great Song Money Village to obtain the qualification to open a money bank.

But I didn't know that I was the big winner behind it.

I not only let them obediently take out the money they had saved at home, but also let them obediently deposit it in my Da Song Money Village. ”

Zhao Zhen looked at Kou Ji and said with some excitement: "In one month, in just one month, Da Song Qianzhuang got a deposit of nearly 20 million yuan.

I never imagined that these wealthy families under my command would be so wealthy.

Now, their money is mine. ”

Kou Ji cried and laughed: "Actually, there are not so many, among them, there are more than six million guan, which are contributed by ministers." ”

Zhao Zhen laughed and said, "That's God's money, not your money." ”

Kou Ji asked, "Is there a difference?" ”

Zhao Zhen said with a bright smile: "Run'er keeps the money you got from you tightly, and is unwilling to give it to anyone." Do you think that what you gave to God's child, can God's child still give it back to you? ”

Kou Ji laughed.

Zhao Zhen sat down with a smile and said, "Now that the wealthy and big businessmen are attracted by the money bank, shouldn't the business law we draw up also be implemented?" ”

Kou Ji nodded and said, "It's indeed time, not only to launch the Shang Law, but also to take this opportunity to throw out the silver coins together." ”

Zhao Zhen nodded.

Two days later.

Zhao Zhen announced the new business law in the court.

At the same time, the tax department that has surfaced has been included in the jurisdiction of the Ministry of Households, and is included in the degree branch of the four departments of the Ministry of Households.

Fan Zhongyan was promoted to Cao Shangshu, a powerful household.

It is only the first level higher than the head of the household department Shangshu Han Yang, and one level higher than the head of the household department, Lu Gong.

Whether it was Han Yang or Lu Gong, his face was dark for several days.

But they didn't dare to refute Zhao Zhen and Kou Ji's decision.

After Zhao Zhen announced the new commercial law, he sent people to distribute the newspaper to all the prefectures, and at the same time conveyed the new commercial law of the Great Song Dynasty to all the people through the newspaper shop of the Great Song Dynasty.

Although the Great Song Dynasty Newspaper Shop has not been established for a long time, because of Zhao Zhen's crazy newspaper before, the people have a very good impression of the Great Song Dynasty Newspaper Shop.

Therefore, after the establishment of the Great Song Book and Newspaper Shop, it had a group of readers.

No one likes to be deceived, not even the uneducated.

In the past, they all learned about the various decrees of the imperial court from the mouths of wealthy families and clan elders.

In order to protect their own interests, the wealthy families, clan elders, and village elders have seriously misinterpreted the various decrees of the imperial court.

When the imperial court investigated the officials engaged in business in the world, in order to protect their own interests, the wealthy families, clan elders, and village elders came up with many rumors and misinterpreted the imperial court's decrees.

But the people learned the truth of the matter in the newspaper issued by Zhao Zhen.

So they weren't fooled.

Although they still habitually like to listen to the wealthy families, clan elders, and village elders explain the decrees of the imperial court, they will often hear the decrees of the imperial court from the mouths of the children at home.

The Great Song Book and Newspaper Shop is free of charge for Mongolian students in various places, and Zhao Zhen even hinted that Mr. Mengxue in various places read the Great Song Book and Newspaper to the Mongolian children when the class started.

Therefore, the Mengtong will know some of the decrees of the imperial court.

Whether it is Zhao Zhen or Kou Ji, they all know it in their hearts.

When the schools at the county level and the government level in the Great Song Dynasty are established, the decrees of the imperial court will be completely sent to the countryside.

Because they will make reading newspapers a compulsory subject at all levels of school.

There were Mengtongs who spread the word of mouth, there were heavy troops and bullets, and there were things to attract money, and after the imperial court promulgated the new commercial law, there was almost no backlash.

The new commercial law mentioned that the imperial court would take back all tax collection rights to the state.

The Dingkou tax is under the jurisdiction of the local yamen, and the commercial tax is under the jurisdiction of the local tax department.

The tax law remains unchanged.

The commercial tax law was raised to 13 taxes.

The over-tax and residential tax in the commercial tax will be abolished, and only the transaction tax will be levied.

The tax stamps issued by the Department of Taxation shall prevail.

The basic role and intelligence of the Taxation Department, as well as the role of tax stamps, were also published in the Great Song Dynasty Books and Newspapers, and informed all the people of the Great Song Dynasty.

When the people learned that the tax had not changed, they stopped paying attention to the matter.

Businessmen and wealthy families did not get into a mood when they learned of the increase in the tax law.

Because the imperial court abolished the tax and the residence tax, and collected the transaction tax in a unified manner, it became easier for them to pay taxes, and they also avoided various harsh taxes and miscellaneous taxes.

It seems that the tax law has been raised, but after avoiding the exorbitant taxes in the local area, they have paid less money.

In addition to stipulating the amount of tax and the method of payment, the new commercial law also established a corresponding law to regulate the market and clarify the obligations of merchants.

At the same time, a decree was issued for tax exemption.

For example, if a local businessman wants to provide local education needs, he can reduce or exempt the corresponding taxes.

The aim is to encourage local businessmen to bear the cost of education.

Of course, what made the merchants ecstatic the most was the one mentioned in the new business law.

A merchant's goods shall not be appropriated.

Unless a merchant resells goods prohibited by the imperial court, or evades taxes, the local yamen and various passes are not allowed to encroach on the merchant's goods in any form.

If someone steals by tricks, or if a strong man robs the road, the local yamen must deal with it in strict accordance with the law of the country and must not shirk it.

For the wealthy, this is nothing.

But for pure businessmen, this business law is simply gospel.

You know, in this era of low social status of merchants.

Pure businessmen will hardly be protected in any way.

Therefore, pure businessmen are oppressed very badly.

Only those businessmen who have escaped from wealthy families can live a nourishing life.

Often, when a robbery occurs, after the businessmen find the local yamen, there is a background behind it, and the local yamen will take care of it, but if there is no background behind it, the local yamen will not care at all.

This shows how important this business law is to pure businessmen.

With the spread of the law of commerce, the commerce of the Great Song Dynasty, which had regained a little vitality, was completely boiling.

All the merchants smelled it, and the opportunity for the merchants came.

Whoever can seize the opportunity first will be able to make a big splash.

The Great Song Dynasty completely set off a commercial fever.

The civil officials, who were nailed to death by iron law, could only stand aside and say sour words.

But no one dared to jump out and refute it.

Because after they jumped out, their subordinates had to face the collective warriors.

Wu Chen was almost unscathed in the imperial court's investigation of officials' business practices.

It's just that the civil officials can't refute this matter as a pigtail.

Because the reason why Wuchen was unharmed is because he is smart.

After the incident, they did not go against the court for the first time, but chose to separate very obediently.

So in this matter, the military ministers are right, and it is the civilian officials who are wrong.

The civil officials are at a loss, so they can't scold the military ministers in this matter.

Because regardless of what the officials say, the military ministers can talk about the civil officials' confrontation with the imperial court.

In this case, it is self-evident who Zhao Zhen will face.

Therefore, civil officials will never be stupid to mention this matter in the court.

The only opposition voice from the government and the opposition is Lu Yijian.

After reading the new commercial laws established by the imperial court, Lu Yijian decisively wrote to the imperial court, bluntly saying that valuing commerce is the way to get trouble.

His remarks were echoed by some readers.

But neither Zhao Zhen nor Kou Ji paid any attention to him.

Because Zhao Zhen and Kou Ji have more important things to do.

After Shanglu was voted out, without causing huge changes, Kou Ji and Zhao Zhen shrank in the palace to study the distribution of land.

Inside the Shikudo.

Zhao Zhen stroked the short beard on his chin and said to Kou Ji: "Fourth brother, in this change, there are countless wealthy families disposed of by the imperial court, and there are even more acres of land that have been investigated.

Now that it has lasted more than half a year, the number of acres of land that has been inventoried in various places has come out, and it is time to consider how to distribute these fields to the people.

Directly divide the land to the poor people, and the rest of the people may not agree. ”

Kou Ji nodded approvingly, "If you don't suffer from widowhood and unevenness, if you directly distribute the land to the poor people, the other people will definitely make trouble."

When the time comes, the people's grievances will boil, and even if we have heavy troops in hand, it will not be easy for us to deal with this matter.

Moreover, it is easy for the people to feel contemptuous when they get something for nothing. ”

Zhao Zhen nodded and said: "What the fourth brother said is reasonable, what is the best way for the fourth brother to distribute the land to the poor people without letting them complain?" ”

Kou Ji didn't answer, but asked, "What do the officials think?" ”

Zhao Zhen groaned: "I feel that I can divide these fields as a reward for the soldiers who stayed in the hinterland of the Great Song Dynasty. Or as a reward for Mongolian students everywhere and send it down. ”

Kou Ji groaned, shook his head, and said, "It's not appropriate...... If the official family exports to the constitution, if these good fields are sent down as a reward, it can easily become a permanent example.

Once the fields are divided, the soldiers and the people are afraid that they will make trouble.

Moreover, if the fields are divided in this way, the fields will only be distributed to a small number of people.

It will not benefit most of the poor people.

What's more, it's easy for them to get their hands and easy to lose. ”

Zhao Zhen frowned and said, "What does the fourth brother think, how should it be distributed?" ”

Kou Ji said frankly: "The minister has thought about this matter before, and now he has a little clue. There are two ways for ministers, one is to borrow money with the help of money, and the other is to serve. ”

Zhao Zhen raised his eyebrows and looked at Kou Ji, "What kind of loan method?" And what kind of service law? ”

Kou Ji said bluntly: "You can convert the fertile land into money according to the market price, make a contract with the poor people, and then hand over the land to them." They can farm the land to pay off their debts, when they will pay off the money of the court, and when the land really belongs to them. ”

Kou Ji's method has a meaning of real estate loans in later generations.

It stands to reason that this kind of peeling method should not have been proposed by Kou Ji.

But after thinking about it, the imperial court could not provide the land to the people for free, so it could only provide this law.

In fact, there are some benefits to the people.

First, in the process of repaying the loan, the land and property of the people cannot be traded. In this way, land annexation will be avoided to a certain extent.

Second, as long as the imperial court controls a certain amount of land, the people will not be forced to rebel. If they are too poor to live, they can borrow from the court to the fertile land in this way, so that they can survive, and there is no need to rebel or go to the mansion of a wealthy family to be slaves and maids.

Third, when a local disaster occurs, the imperial court can directly alleviate the pressure of the people by reducing or reducing loans.

In this way, it can prevent those wealthy families from making a fortune during the disaster by taking advantage of the imperial court's tax exemption.

After all, once the local disaster is affected, those wealthy families who have countless grains at home will not suffer much harm at all.

It is the people who really hurt the most.

Therefore, after the local disaster was affected, the imperial court exempted the loans of the poor people, which could relieve the pressure of the poor people, and also give back to the people with the money and food of the wealthy families.

In this way, the amount of money that the court needs to pay is greatly reduced.

The imperial court only needs to open the local standing positions and open porridge sheds after the disaster, and confirm that the poor people who cannot afford to eat have food to eat.

The people did not need to be forced to sell their sons and daughters, nor did they need to travel long distances to other places to ask for food to save their lives.

As long as the local permanent liquidation remains abundant, the interest rate of Da Song Qianzhuang has been maintained at one percent, or even lower, and the people do not have to worry about not being able to survive.

The only downside is that this will press the people to the ground, layer by layer, and the people will be very slow to get rich.

In the case that the people did not completely get the land, they had to work for the imperial court for a long time.

But Kou Ji felt that the benefits of this method outweighed the disadvantages.

As long as the interest rate is strictly controlled, the local position is often closed, and the location of the allocated land, as well as the land price, we can ensure that the people will always have food to eat and will not be forced to die.

If the imperial court can always hold the field in its hands, it can greatly avoid the disadvantages of land annexation.

Kou Ji told Zhao Zhen his thoughts carefully, and Zhao Zhen fell into silence after listening.

After a long time, he solemnly stared at Kou Ji and said, "If the imperial court can really keep the fertile land in its hands all the time, then it can really avoid the pain brought by the land annexation to the people."

At present, the land of my Great Song Dynasty can ensure that the people can cultivate.

But as my Great Song Dynasty settles down, as the people have no worries about food and clothing, the population will skyrocket rapidly.

It's like at the beginning of the founding of the Great Song Dynasty, the population was only 6 million households.

Today, it has more than doubled to 13 million households.

Counting the criminals and the unnaturalized, the population of the Great Song Dynasty has reached 16 million households.

Nearly 10 thousand.

In the future, our Great Song Dynasty entered a peaceful and prosperous era, and the people lived and worked in peace and contentment, and the population would inevitably increase exponentially.

At that time, the existing land of the Great Song Dynasty was not enough at all.

So we can't keep the court holding the ground all the time.

Therefore, if we implement loans, we can only alleviate the problem of land annexation, but it cannot completely solve the problem of land annexation. ”

Kou Ji heard Zhao Zhen's worries, and said with a low smile: "Why does the official family think it's fifty years? How do ministers think that this kind of thing may not happen until a hundred years, or even a long time later? ”

Zhao Zhen said in a deep voice: "The problem is that all the land now is not owned by the imperial court. The court only has a small part of the land, so it will be divided quickly.

After I have finished dividing the land, I can still find a way to seize some land from the wealthy and continue to distribute it to the people in this way.

But what about when I'm gone?

Will future generations be able to plunder the fertile land from the wealthy and distribute it to the people, just like me?

I cannot guarantee that every descendant of future generations will be a Ming Emperor.

Therefore, the land in this world will eventually slowly flow into the hands of wealthy families.

Therefore, only by ensuring that the imperial court has a steady supply of land in its hands can we ensure that the issue of land annexation does not harm the people. ”

Kou Ji stared at Zhao Zhen and said seriously: "So in our lifetime, we can find ways to cultivate good seeds and increase the output in the field." ”

Zhao Zhen groaned: "It's like the kind of Jiaozhi Mansion, three times a year, four times a year? In that case, the peasants will be hurt, and the people will still be poor. With the influx of a large amount of grain into Jiaozhifu, Liaodi, and Hexi, some places near Jiaozhi, Liaodi, and Hexi have already seen a situation of valley injury and peasant cheapness.

If it weren't for the huge amount of fertile land in the hands of the people of these three places, maybe some people would give up growing grain and go to Congrong instead. ”

Kou Ji laughed and said, "We just need to ensure that all the people can eat enough." Are the officials thinking a little too much? ”

Zhao Zhen was stunned for a moment, and said with a smile: "The fourth brother is right, I think too much." As long as I can feed all the people under my rule, I will far surpass all the emperors before me.

I still think about the grain hurting the peasants, it's my greed. ”

Kou Ji laughed in a low voice: "Actually, there is also a solution to the matter of Gu hurting the peasants. The imperial court can encourage the development of animal husbandry and handicrafts, and at the same time, it can also encourage the people to grow vegetables and fruits when all the people in the world can eat their stomachs.

The common people could not make money from farming, but they could also make a profit through animal husbandry, handicrafts, and the cultivation of vegetables and fruits.

It's like those poor people in Shaanxi Province who work in textile workshops.

They can earn an income by working in the workshop.

Subsidize the household.

Talking about this now is actually too long-term, and we have not yet completely solved the problem of the people's hunger. ”

Zhao Zhen laughed and said: "Our monarchs and ministers have talked about things for decades or even hundreds of years at once. ”

Kou Ji smiled and nodded.

Zhao Zhen smiled and asked, "What do you say about the service?" ”

Kou Ji said bluntly: "The imperial court can give land to the poor people free of charge, but the poor people must have a ding in their families and serve the court for ten months every year."

The imperial court specifically asked them to build bridges and repair roads, or to go to the eight prefectures of Liaodi, the five mansions of Western Xia, the six mansions of Qingtang, the four mansions of Dali, and the four mansions of Jiaozhi to farm and graze.

Specifically, the length of service can be set according to the quantity and value of the land they need.

If you build bridges and roads in the hinterland of my Great Song Dynasty, or do other things, you don't need to bring your family.

If they go to Liaodi, Xixia, Qingtang, Dali, and Jiaozhi, they can be allowed to bring their families.

In addition, according to the amount of output they produce when they farm, the corresponding number of years of service can be increased or decreased.

If someone settled in these places, they could exchange their fields in the hinterland of the Great Song Dynasty with the fields of the places where they served.

This move can ensure that in addition to the grain stored in the hands of the imperial court, there are also several huge granaries where grain is stored.

In this way, the imperial court no longer has to worry about the problem of soaring food prices after the local disaster.

More importantly, this move can gradually transfer the population from the hinterland of the Central Plains to some sparsely populated places.

At that time, the amount of land produced in the local area will be reduced for a long time.

The vast and sparsely populated places will gradually prosper, which can not only provide huge output for the imperial court, but also improve the imperial court's control over the local area. ”

After Zhao Zhen listened carefully to Kou Ji's words, he couldn't help but let out a long sigh, "These two strategies are the century-old national policy of my Great Song Dynasty." ”