The autumn breeze is bleak, driving the residual lotus leaves in the pond to sway endlessly, and the fish are shuttling among them, vivid and beautiful.

Just like this, Cui Wenqing's tea cup was more than halfway, his mouth was fragrant, and he smiled and said: "The tea made by Xianggong An Shi today is mellow and fragrant, the craftsmanship is really superb, and the tea set is so well prepared, it can be seen that Xianggong must have taken a lot of preparation to meet the kid today, and he really loves it." ”

Wang Anshi laughed and said: "The old man made an appointment to meet Cui Lang, naturally it was not as simple as drinking tea, but because he thought Cui Lang's behavior was interesting, he talked to Cui Lang." ”

Cui Wenqing understood that the conversation that could make the prime minister of the current dynasty attach so much importance would definitely not be so simple, so he asked with a smile: "I wonder why Xianggong An Shi thinks it is interesting to go down?" ”

Wang Anshi smiled, and a trace of seriousness appeared on his fair face: "Cui Lang, the old man has heard of your behavior on Hedong Road, and he is quite curious about your issuance of treasury bonds and military bonds. ”

In front of this famous minister through the ages, Cui Wenqing didn't dare to hide it in the slightest, and chuckled: "Prime Minister Anshi, before I tell you about the national debt and military debt, how about I tell you a story first?" ”

Hearing this, Wang Anshi showed a look of interest and said with a smile: "Since it is a story, Cui Lang said that it is okay, and the old man must listen to it." ”

Cui Wenqing nodded, and said: "In his hometown, there was a businessman surnamed Pang, he had a smart mind, flexible thinking, and knew how to do business, in order to raise a large amount of silver taels in the short term, he planned a conspiracy to let the people in the city invest money in his shop, and promised that the investing people would get a return of forty percent of the profits invested within three months, and then when the first batch of three-month commitments arrived, the cunning businessman surnamed Pang paid the money of the new investors as a quick profit to the initial investors, so as to lure more people to be fooled, Because of the good returns of the people who invested in the early stage, the Ponzi merchant succeeded in attracting more and more investors, and he had more and more money, which could almost be called a rich country, until it was discovered later, and the people who were carried away by the interests came to their senses, and then the people called his method a 'Ponzi scheme'. ”

Wang Anshi thought about it carefully, and was suddenly moved, and said: "It's amazing that he cheated the people out of so much money without a penny of empty gloves for a white wolf, and he didn't pay a penny!" ”

Cui Wenqing chuckled: "Yes, in fact, the method of issuing treasury bonds and military bonds is similar to the Ponzi scheme, and I was also inspired by the Ponzi scheme, but there is only one difference, the Ponzi businessmen exchange money for their own squandering, but I, Cui Wenqing, handed over the money to the Hedong Bank to operate, and the Hedong Bank then lent the money invested by the people to other people in need, and asked for high interest, which reached a virtuous circle, so that our Hedong Bank can obtain huge profits from it." ”

Hearing this, Su Shi couldn't help but interject: "Brother Wen Qing once said that silver taels can only have the value of silver taels when they are circulated, could this be the truth?" ”

Cui Wenqing smiled and said: "Yes, some people buy treasury bonds and military bonds to get interest, and some people borrow money from Hedong Bank for reasonable investment to obtain profits, Zhenwu Army and Hedong Road rely on Hedong Bank to earn a huge amount of silver, which is the way for the three parties to win together. ”

Wang Anshi had heard Fu Bi talk about Cui Wenqing's national debt and military debt in the past, but unfortunately he was ignorant at the time and didn't know the essentials.

At this moment, hearing Cui Wenqing's personal explanation, many links that I couldn't figure out in the past suddenly became cheerful, and I also understood the true intention of national bonds and military bonds: that is, to prosper the economy and achieve win-win cooperation in the way of silver circulation.

This is really a genius idea, a great man's idea.

The businessman surnamed Pang in Cui Wenqing's hometown took advantage of this in order to seek personal interests and satisfy personal desires, but he was actually inferior.

However, Cui Wenqing used this talent on the right path, instead of coveting wealth and nobility, which is based on the long-term and has contributed to the court and the people.

Thinking of this, Wang Anshi was very satisfied, and said with a smile: "Cui Lang's move is really a blessing for the community, and it has great merit for the country and the people!" ”

In the face of Wang Anshi's praise, Cui Wenqing shook his hand and smiled: "Xianggong Anshi's words are serious, and I am ashamed to say it, in fact, the issuance of treasury bonds at that time was not for the country and the people, but for my wife." ”

"Oh? What do you mean by that? Wang Anshi frowned and asked.

Cui Wenqing chuckled: "Don't hide it from Xianggong Shi, at the end of last year, I went to Taiyuan Mansion with my wife to buy Zhenwu Army rations, because the grain merchants were arrogant and sat on the ground to raise the price, so that my lady had to swallow her anger and negotiate with the grain merchants patiently, but the leading grain merchant Liang Qingchuan relied on the trend of compromising the original, and did not put my lady in her eyes at all, so that the lady suffered a lot of grievances. ”

"An Shi Xianggong think about it, who is my lady? That's the dignified governor of the Zhenwu Army, how can I, Cui Wenqing, allow her to be bullied by these grain merchants? Therefore, the law of national debts and military debts was born, and the army borrowed tens of millions of taels of silver. ”

"An Shi Xianggong, there is a saying in our hometown: the rich is the uncle. Indeed, after my Zhenwu army became rich, it was we who chose the grain merchant instead of the grain merchant who chose us, and now those grain merchants are all surrounding my lady, hoping to sell the grain to the Zhenwu army, so the situation is really different, the reason is the one just now: rich is the uncle! ”

Hearing this, Wang Anshi couldn't help laughing, his finger joints gently tapped the lid of the white jade tea, and said: "Cui Lang's words are not coarse, they are really very close to reality, and here the old man also has a question, if the military bonds and treasury bonds are issued in the name of the imperial court, how does Cui Lang think the effect is?" ”

Cui Wenqing pondered for a while and said with a smile: "In fact, the people invest spare money, and there are only two points that they are most concerned about, the first is high returns, and the second is whether it is safe. ”

Indeed, compared with later generations, the economic system of Daqi today is like a barbaric era, the imperial court is the maker of policies and laws, the executor, and the lack of supervision, in this environment, I am afraid that it is a pig, and it will also make money, let alone people.

(End of chapter)