Chapter 1006

However, since it is only a trial now, Wang Yang hopes to keep a low profile first, and first set up a grassroots institution on North Shaanxi Road: the Preparatory Committee of Da Song Financial Institutions.

The main role of this preparatory committee is to first draft a banking law, and then to establish a private bank in the same draft banking law.

The rules and regulations of private banks will be formulated by the Preparatory Committee of Financial Institutions and then implemented on a trial basis in private banks.

For example, if a private person takes money to the bank for safekeeping, then the private person needs to support the bank with a small amount of custody fee, for example, if the deposit is ten, then he needs to pay a custody fee of two dollars per month, the minimum deposit amount is consistent, and the minimum custody fee is one money per month.

The loan is divided into commercial loans, industrial loans and agricultural loans, and the commodity circulation is fast, so the loan period is not long, but the current loan will be frequent, so the interest on the commercial loan will be the highest, to achieve the consistent borrowing, the monthly interest is 200 yuan, and there is also a handling fee of 2 percent, that is to say, the borrowing is consistent, and when it is returned in one month, it is necessary to pay 220 yuan of interest and handling fees.

Industrial loans, or handicrafts for factory construction or commodity production, will have a relatively long loan period and will be relatively stable, so their interest will be slightly lower than that of commercial loans, that is, the borrowing will be consistent, with a monthly interest of 150 yuan, and of course a handling fee of 2 percent......

When it comes to obtaining agricultural loans, it is a loan with the nature of benefiting the people, that is to say, the monthly interest is 100 yuan, plus 2/2 of the handling fee, and when it is returned in the full month, it is necessary to return the principal and interest of the consistent 120 yuan.

In this way, all three industries were able to obtain loan support, but they were differentiated, and at the same time, they were in line with the political view of the court and heavy agriculture.

"These are not the main ones, the important thing is that the preparatory committee of this Da Song financial institution. It will first assume the function of a state-owned bank, that is, in the future, every tax levied by the various localities in the Great Song Dynasty will be deposited into the treasury of the preparatory committee of various institutions. ”

"Of course, there is no need to deposit grain and silk, only gold, silver and copper coins are stored here. And every money stored in the bank, there will be an inbound and outgoing account. ”

In this way, if some officials or officials want to embezzle money, I am afraid that it will be difficult to have the opportunity to reach out.

Moreover, the banking system and the government do not belong to the same institution, and the government wants to encroach on it? Huh, is that possible?

After listening to the Son of Heaven's spittle and Xingzi Feifei's explanation for a long time, the intelligent Empress Meng Shi had already understood the benefits here.

"This is not a seedling method, this is completely an unprecedented new method innovated by Mr. Wushan through the model of the seedling method." Meng was shocked by Wang Yang's ambitions, or rather, the impact and shock that his establishment of the Great Song financial system would have on the Great Song Dynasty in the future.

"Yes, for the country, for the people, for work, and for business, all of them are great benefits...... The court legislates and supervises the court, while the bank is a system of its own and is not subject to local constraints. However, he has lost the administrative ability of the government, so he cannot do the ability to buy and sell by force......"

"Such a good law, if it can really be implemented, it should be the blessing of my Great Song Dynasty." Zhao Xu, the Son of Heaven, stood up, walked away with his hands in his hands, and said impassionedly.

"It seems that Your Majesty also likes it, but why do you say that Mr. Wushan has given you a big problem?" Looking at the husband who was a little carried away with excitement in front of him, Meng couldn't help but ask.

That's because this good policy will have a huge impact on the old vested interests...... Well, these are the original words of Wang Wushan in the letter. In other words, it will have a great impact on the interests of the wealthy merchants and gentry who rely on usury to collect wealth from the people. ”

"The lady may not know that in my Great Song Dynasty, this usury has always been a headache for the court, and in many places, the interest of borrowing will be at least forty percent, or even high, and it can reach two hundred ......percent."

Hearing the words of the Son of Heaven, Meng couldn't help but gasp, and a pair of Chu Chu moving eyes widened. "Two hundred percent, that is, borrowing consistently, after one month, even the principal with interest needs to be repaid three times?"

"Yes, but many people can't help it, after all, when they can't turn around, they can only borrow hard, but on the contrary, my Da Song has no good way to stop this."

"And this naturally led to the fact that many people who could not afford to repay the usury had to go bankrupt, lose their land and houses, and become homeless, either to become tenants or sell themselves into slavery......"

"After all, they can only borrow from each other, and Mr. An Shi's Qingmiao Law in the past is to weaken the rampant usury of the people. It's a pity that the government's intervention has made the government a vested interest, so those officials and servants who have lost virtue will also try their best to profit from it, leading to public resentment. ”

"In the end, the first emperor had to terminate the implementation of the Qingmiao Law......" Speaking of this, Zhao Xu, the son of heaven, couldn't help but feel a lot of emotion, and also deeply realized that Wang Yang's excessive caution about changing the law did have his reasons.

But this time, his initiative will really bring extremely heavy pressure to the court, or to him, the Son of Heaven.

It is precisely in view of this that Wang Yang decided to work quietly, don't shoot guns, first secretly say hello to himself, the son of the Great Song Dynasty, and then quietly implement it on North Shaanxi Road.

First, you can minimize the pressure from the court, and second, you can use the results to reduce the pressure after the results are made.

After all, if there are achievements, then, if he, the son of the Great Song Dynasty, wants to support it, then he will become justified.

As for the pressure from the people, well, the private banks have given an outlet to the wealthy businessmen and gentry who like to lend usury everywhere.

After all, after the introduction of lending regulations and the illegal use of usury by the people, at least everyone will be able to borrow from private banks. And those wealthy merchants and gentry who have no money to spend can invest in the establishment of private banks.

In this way, the lending industry can also be regulated in an orderly manner to ensure the interests of all strata of the Great Song Dynasty. At least, the majority of the class will stand on the court, or on the side of the Son of Heaven, and the pressure on Zhao Xu, the Son of Heaven, will naturally be much less.

In other words, what Mr. Wushan and they do will do things in hiding from the court...... This, if you are a little careless, I am afraid that it will be ......" Meng Shi also understood, and couldn't help but lock his eyebrows, worrying about Wang Yang and the ministers of the North Shaanxi Road.

"Don't worry, lady, if there is really such a day, I will not let them bear such consequences." Seeing Empress Meng's worries, Zhao Xu, the Son of Heaven, walked up to Empress Meng, held her soft soft and said softly.

https:

Genius one second to remember the address of this site:. Mobile version reading URL: m.