Reform is an extremely cumbersome matter, but the steps of reform actually have a way to learn from them.

There are so many things that Ganchi has reformed that these policies still need a transition and experiment, and there is a thing called a special zone, which is obviously a way of operation that can be used for reference.

What the SEZs have to do is to experiment, carry out any policies in the SEZs now, correct the failures in a timely manner, and immediately promote them throughout the country if they succeed.

The Great Song Dynasty has a natural special zone, that is, Gyeonggi Kaifeng Prefecture, Kaifeng Prefecture is very qualified, there are enough troops, there are enough population, Kaifeng Prefecture is still a plain area, agriculture is developed, handicrafts and commerce are also developed, and more importantly, it is under the nose of the imperial court, any success and failure, at a glance.

Reform is no longer overnight, let alone patting the head to decide everything, as long as the Kaifeng Mansion is successful, it can be regarded as having real governance experience, and it can also better convince the entire court and the emperor.

The first thing in Ganch's reform program was to abolish the forbidden army, which was about 200,000 in Tokyo, which cost countless times a year, but had no effect. Defend your home or the capital? There is no need at all, once the border army is really defeated, the Tokyo forbidden army has not seen the enemy and is already frightened, relying on these 200,000 troops to defend the capital, it is completely wishful thinking.

Dismantling, Tokyo disarmament.

The emperor's decree came down, and so did the order of the Zhongshumen, and then the order of the Privy Council was immediately issued. As soon as the military and politics are grasped, there is also an emperor who supports Ganqi, and there is almost no resistance on the surface in the matter of military reform.

The 200,000 Tokyo Forbidden Army was reduced to 50,000, and the soldiers were mainly 18 to 30 years old, and the rest were all dismissed. The generals were mainly between the ages of 18 and 45, and all others were also abolished.

The soldiers were dismissed, each person could get 20 acres of land in the Hetao, and the imperial court issued the travel fee to the northwest, and the imperial court also sent officials to lead the team to organize the personnel to set off, and also issued five guan money as the cultivation fee in the Hetao. The imperial court also distributed seeds for spring ploughing free of charge and provided rental of tools for spring ploughing. In the northwest, the state capitals in the northwest will also provide various supports, such as food rations.

The first year of land reclamation is very difficult, the second year will be stable, and the third year will make these people rich. The key is that in the first year, now that Gan Qi is in charge, the affairs of the court have almost become his own affairs as the prime minister.

Money, the imperial court came out, in fact, it was military spending, and Tokyo reduced the army of 150,000 troops, not only did it not have to pay food and salaries, but it also did not have to send any more money for the construction and maintenance of ordnance. You only need to pay for the road and go five times ago, and the land thing doesn't cost money. Even if they went to the northwest, if they were still willing to be soldiers, they could rob it themselves.

Gan Qi also ordered Quanzhou to build hoes and plows and other things, at least 100,000 sets, from the sea to the north, and then to the northwest to rent, the rental can also be used for free, and then pay after two or three years. Stunned in the northwest, he will arrange these things for Ganqi.

Supporting the rations of more than 100,000 families is the top priority, which is what Gan Qi is more anxious about, fortunately, the rations can be delivered in batches, as long as these hundreds of thousands of families continue to eat.

In fact, there are not necessarily hundreds of thousands of families, because not every military man is a family, and there are many families with two or three generations of military men. The Privy Council also has to account for these things, and the data is not yet available, but Ganchi roughly estimates that there are 70,000 or 80,000 families and about 400,000 people to migrate.

As for those military families who are unwilling to leave their hometowns, Gan Qi will not use any coercive means, and those who leave Tokyo not far away will be paid ten times severance pay alone, and they will all be discharged and fend for themselves.

But there are still some means to mobilize these people to migrate.

This tactic is simple for Ganch, nothing more than propaganda.

"The land of the Hetao, surrounded by the Yellow River, the land is fertile, fertile for thousands of miles, and 20 acres of land can ensure the prosperity of future generations. 》

"The military and Han are bloody, fighting for many years, and finally sweeping away the party items of the Hetao, gaining hundreds of miles of land, the new emperor ascends the throne, the emperor's grace is vast, and the military and Han cultivation are distributed for free, and they are passed down from generation to generation. 》

"Hetao fertile soil, one acre top ten acres!" 》

The Beijing Times published several vernacular articles like this every day, many of which were written by Gan Qi himself, and he even sent people to the barracks to give lectures, and even drew simple maps to let everyone know what kind of Hetao was.

Sometimes it is necessary to tell a little lie, with good intentions, Gan Qi praised the Hetao as better than that of Suzhou, Hangzhou and Jiangnan, and used a lot of inflammatory language to describe it, which is somewhat coaxing and deceiving. Cultivating wasteland has always been a difficult thing.

But this lie is also well-intentioned, each soldier gets twenty acres of land, once the twenty acres of land is completed, the small life is really ten times better than in Bianliang, although the process will be very difficult, but after success, it is not difficult for these military families to raise a full-time study son in the future.

Incitement and deception, even coaxing and deception, is naturally effective, and it is mainly Gan Xianggong's character that is guaranteed, and now Gan Xianggong's appeal in the army is extremely strong, Gan Xianggong said so, and there are naturally countless people who believe it.

The dismissal of the army was a bad thing, but there were smiles everywhere in the barracks. Chinese, for generations, have loved the land.

The hundreds of soldiers around Gan Qi were all sent to the army to show up and explain. Whenever someone comes to speak up, the school field is always crowded.

"Gan Xianggong is really generous this time, hundreds of miles of land, that place, it's really good, a certain family has personally gone out of the iron gate pass to loot, Hetao that place, the north is the Yellow River, the east is the Yellow River, the west is also the Yellow River, there are many rivers in the south, just wrap this land in it, as long as the canal is opened, it is amazing, better than the Central Plains, comparable to the south of the Yangtze River, the party people use the grass to graze, it is really a tyrannical thing."

"Have you really been there?"

"Isn't it? If a certain family didn't make meritorious service there, how could they return to Beijing with the prime minister? That place, it's really good, a certain family can get eight acres of land for this exploit, this is in exchange for eight heads, originally Gan Xianggong said to reward Yanyun's land to a certain family, a certain family is unwilling, but got eight acres outside the iron gate, if you go there, and a certain family rents these eight acres together, you can help a certain family open the land, three years rent-free. ”

"That'...... I have planted your land. ”

"You hurry up and register, if it's late, the land will be more north, the sooner you register, the better, after signing and drawing, you will be close to the iron gate, so it is convenient, the later it is, the better the land has been robbed by others......"

Some people came forward to speak, some people instigated, some people were impatient to get twenty acres of land, some people were still in their homeland, some people were watching, some people found an errand to do a small job in the nursing home, and they were ready to get ten yuan and not leave......

Selection has also begun in the army, and some people have even taken the initiative to leave, and some people are trying to stay.

Everything went in order.

Gan Qi was busy with this matter every day, and from time to time he personally went to the army to supervise the selection of things, and also checked some of the selected lists. There are 50,000 forbidden troops in Tokyo, firstly, to be truly young and strong, and secondly, to avoid the occurrence of empty salaries. In the future, these 50,000 young people will have to reformulate their training plans and assess their training progress from time to time.

In addition, there is also a method for the reduction and dismissal of military generals, which is much more complicated; the lower-level troops will first be dismissed according to their age, and the older ones must be dismantled, and they will be paid severance pay ranging from 20 to 50 percent, and if they are willing to move to the northwest, they will have to pay 40 to 100 acres of land.

Middle-level military generals, the age limit is not large, but to be assessed, the test paper Gan Qi personally came out, literacy is naturally the foundation, followed by physical strength, and then is the answer, the questions are varied, mainly to test history and geography, to test the analysis of various war cases in history, to test the basic geographical forms of all parts of the country, such as the Yellow River, the Yangtze River, the Huai River have passed through which places, where is the strategic rush, where is the military focus......

If they do not meet the standards, they will naturally have to be laid off, and they will be given severance pay of 50 to 100 yuan, and if they are willing to go to the northwest, they will naturally have land ranging from 100 to 500 acres. It is not mandatory, free to choose.

The upper-level generals are also assessed, and the things assessed are almost the same, and those who stay are naturally more powerful, and those who are dismissed will naturally give money to fend for themselves, and these people are basically reluctant to migrate.

This is also Gan Qi doing an experiment, that is, redundant officials, there are too many officials in the Great Song Dynasty, both civil and military, the grace system, from civil officials to military officials, is the same, the father is an official, and the son is also an official. This led to the extremely bloated official system of the Great Song Dynasty, and there were many high-paid lieutenant generals in the army.

Fortunately, in this civil and official world of the Great Song Dynasty, guessing the military attachés, these military attaches can't make waves. But in Ganch's heart, this is just the beginning, and it will eventually have to be cut off from civilian officials. For example, Yan Jidao is the object of retrenchment, and he can't pass the Jinshi exam, so he becomes a Mao official?

For officials, there is a basic quality assessment standard, and if you don't write a good strategy and don't even understand and analyze it, then naturally you don't talk about the quality of being an official.

Reducing officials, this is what must be done. There is also a matching policy, that is, the number of students in each class can be appropriately increased.

This article of grace has added too much burden to the finances of the Great Song Dynasty, and the officials of the Great Song Dynasty have a high salary, which is the highest in ancient times. There are still a bunch of idlers to raise, where can you afford it?

Beginning with military attachés, civilian officials were abolished. Those who send Lu and those who are gracious must find a way to cut them off. This method is naturally also an assessment, and some people still have to stay, such as Chong Yu, he is also a grace, but he has to stay. This method of assessment is set up for people who are stunned.

Gyeonggi Kaifeng is the experimental field, and everything is being done according to Ganqi's arrangement. The Privy Council system, Gan Qi uses it like an arm, and it can be regarded as a small test, and if he really wants to start reforming government affairs, it will definitely not go so smoothly.

Everything costs money, and the third division has already complained for days.

Fortunately, more than a month later, Wang Anshi entered Beijing, Wang Anshi first went to see the emperor, the new official took office, participated in political affairs, and also served as a third envoy. The third envoy was Gan Qi's meaning, and he discussed with the emperor for a long time.

The third division is naturally the Ministry of Finance, which has to be controlled by Gan Qi personally, and Wang Anshi is no better to go, and he is familiar with the way.

But on the second day after Wang Anshi went to work in the Third Division, he went to the political hall to find Gan Qi, and his face was haggard.

Wang Anshi went straight to the topic: "Gan Xianggong, this time the army was dismantled, in just over a month, the cost has reached more than two million yuan, and the third division is already stretched, if this continues, if this matter is really done thoroughly, I am afraid that it will cost four or five million yuan, and the third division is afraid that it will not be able to take out this money." This is only the abolition of the Gyeonggi Forbidden Army, if the whole country begins to abolish the forbidden box, the cost is only as high as 20 million, and the third division is afraid that it will not be able to come up with this money. Can you take a break from this matter and take your time......"

Wang Anshi is talking about reality.

Gan Qi shook his head: "You can't procrastinate, you must cut through the mess quickly." The total annual expenditure of the imperial court is not more than 70 million guan, and the military expenditure is as much as 40 or 50 million guan. If this is done this year, we will be able to save more than 20 million guan next year, and then the military expenditure will be controlled at more than 20 million guan, and it will be much easier to spend money in the years to come. ”

"However, this money, the lower officials really can't change it for a while and a half...... Wang Anshi was embarrassed, military expenditures were originally spread evenly throughout the year, but now Ganqi is disarmed, how much he cuts, how many people have to pay severance pay and travel expenses, and even rations at one time. This is equivalent to putting the pressure of the whole year together, Wang Anshi really can't make so much money.

Gan Qi suddenly asked, "Did Brother Jiefu tell me about the method of green seedlings before?" ”

Wang Anshi presided over the reform of the law, the green seedling law is one of the key points, the green seedling law is simply the imperial court to lend to the common people, one to ensure that the people have savings every year to carry out the new year's production activities, to avoid those green and yellow things, the second to let the people from the exploitation of private usury, and the third to allow the court to earn some interest money.

But this method still failed in the end, just because all this was done by the government, and when the government did this kind of thing, there would inevitably be corruption problems in it, and it became a means for officials to exploit the people, causing many problems, such as officials forcing the people to take loans for the sake of political performance, and officials arbitrarily raising interest rates for self-enrichment.

Wang Anshi had some ideas with Gan Qi in the past, and Gan Qi brought it up again.

Wang Anshi thought that Gan Qi wanted to implement this method, so he said: "Gan Xiangmo is not preparing to implement this method?" ”

Gan Qi shook his head: "Not really, this method has an excellent starting point, but it is difficult to implement. Low-interest loans to the people are a way to make money and a move to benefit the people, but they cannot be done by the imperial court, let alone by officials. ”

Wang Anshi thought about it for a while and knew that what Gan Qi said had a certain amount of truth. It's not that Wang Anshi doesn't understand the reason, but why does he have to do it? Just because the Great Song Dynasty has reached the present, usury is too powerful, and the people's demand for loans is huge, but there is only one way of usury, nine out of thirteen, which is frighteningly high. This has also led directly to many problems, with the poor getting poorer and land annexation becoming more and more serious. Wang Anshi wanted to solve these problems, but the best solution he could come up with was for the imperial court to lend money to the people at low interest.

Loans, in this era, have an important role, that is, to allow the people at the bottom to keep their own few assets. There is only one way to get a loan, and that is usury. Therefore, Wang Anshi's idea is reasonable, and he wants to use the power of the imperial court to tide over the difficulties for those who need loans.

Of course, Wang Anshi also knows this method, but there are also problems, that is, those officials. So Wang Anshi asked: "Isn't there a better way to do it?" ”

Gan Qi nodded: "Qian Zhuang." ”

To put it bluntly, even the bank does not need to issue any banknotes, the bank is a thing that absorbs people's savings at low interest rates and lends them at a higher interest, which is the basic mode of operation.

Exchange is also one of the businesses, and the demand for exchange in the Great Song Dynasty is also extremely high, mainly because the money in the Great Song Dynasty is too heavy, and the amount is a little more and has to be pulled by car. Therefore, the demand for exchange is extremely high in the Great Song Dynasty, and the exchange is simply put, it is to save a sum of money in Bianliang, take a voucher, and use this voucher to withdraw the money in Hangzhou, which is the exchange, which charges a little handling fee.

And this voucher, it can be said that he is a passbook, or it can be said that he is a handmaster, and if it develops, it can be a banknote. Jiaozi was originally present in the Great Song Dynasty, but it collapsed after the indiscriminate issuance, which was a few decades ago.

So if you really want to do this, you have to change the name, such as a passbook.

Wang Anshi was insightful and asked, "Doesn't Xianggong Mo want to exchange money for the world?" ”

Gan Qi nodded: "Not only to exchange money for the world, but also to practice your green seedling method in the name of the money bank." ”

Wang Anshi immediately pondered. Ganqi's solution is to replace government lending with commercial lending, which can largely avoid many problems, such as forcing people to borrow money to make political achievements.

Another example is that there can be better supervision, which does not mean that there is no problem of corruption in the bank, but that it is much easier to supervise the corruption of the bank than to supervise the corruption of officials. Because the officials of this era have too much power to supervise. However, if the money bank is a private industry, it will be different, there will be many more ways to regulate corruption, there will be many more means, and there will be much less resistance.

There is another point that is the reason why Gan Qi really wants to be a money bank, that is, Gan Qi is short of money.

Money can solve the problem of lack of money, how to solve it?

The court has no money, it's okay, the money bank has money, the money bank can lend to the court at low interest, where does the money come from? Fundraising, legal fundraising, using the interest on deposits to absorb savings. and then loaned the savings to the imperial court, which perfectly solved the problem of lack of money in the imperial court. Even the imperial court can issue bonds through the bank, or the bank itself can issue debts.

There is a greater benefit to this matter, that is, to solve the problem of Ganqi's own inseparability between public and private, Ganqi used to always use his own money to support the state, but now that he is the prime minister, this kind of thing will be even more.

If Ganchi wants to avoid this problem, there must be a way to separate the public and the private, and the righteous one. lest Gan Qi do things with his own money, as before, and end up being a bad person.

In the future, the problem of money will go to the money bank. The public and private are separated, and the court has to pay back as much as it should repay, and the interest must be repaid.

Wang Anshi understood Gan Qi's words, but he didn't understand Gan Qi's more thoughts in it, and asked: "Xianggong wants to set up a foreign exchange bank, and he also wants to borrow money, but where did Xianggong get so much money?" ”

"Find more people to work with."

"Who are the partners of Gan Xianggong?" Wang Anshi obviously didn't understand how to operate.

"The three divisions of the yamen have to take shares, that's for sure, and they have to pull His Majesty into the shares. I have a stake in the sumo wrestling field, a hot spring hotel, a charitable foundation, a lottery ticket, a stake in Daojian Academy, a stake in Qiao'er Garments, a stake in Quanzhou Iron Field, and then a stake in various merchants in Bianliang. At least 5 million yuan of share capital, the more the merrier. "Gan Qi thought very well, five million shares is at least.

Why do you want so many people to join the shares? The three divisions are shared, which means that the official is official, and the emperor's shareholding is to make money for the royal family, which is the same thing as making money for Emperor Renzong before. The others are Ganqi's own shares, which are naturally Ganqi's own interests. The last is to pull merchants into shares, this is for the better implementation of the exchange, once the big merchants have some shares in it, these big merchants do not have to worry about the exchange, will automatically come to the bank.

This is a chain reaction, large merchants have to deposit money here, which will make the credit of the money bank soar, and the development of depositors will be much simpler. With savers, there is more money, and when there is more money, the money bank is more profitable, and this is a virtuous circle.

At that time, once the money village becomes bigger, it can also issue additional share capital, so that large merchants in Jiangnan, Sichuan and other places can take shares, and a national network will be truly rolled out.

Another point is that the account disclosure system, which has been done since the charitable foundation, has to do this, which is also a source of credibility and the basis for ensuring that the money bank can really develop into a behemoth.

With this set, many problems will be solved.

"This method is very good, but if you want to do it, I'm afraid it's extremely difficult." Wang Anshi roughly understood the truth, but he also knew the difficulty.

Gan Qi is very confident: "If someone else does it, it will naturally be difficult." I'll do it, it's not difficult. When I told Brother Jiefu about this, I wanted Brother Jiefu to help me do this. ”

This matter, the difficulty is in the accounts, the accounts of all parts of the country are summarized, in this era is a big project, and professional talents have to preside over it, in addition to Gan Qi himself, it is Wang Anshi.