Li Yue knew very well what the three of them were worried about, so he explained unhurriedly: "The imperial court has set up the Qian Supervision Division, which is subordinate to the Third Division, and the position of Qian Supervision Envoy is concurrently held by the Third Division's Envoy Wen. The Money Supervision Department is responsible for the preparation and establishment of Daliang Bank and the formulation of bank operation rules. It is also necessary to communicate and coordinate with local governments, and the initial plan is to set up a head office in Kaifeng and set up 15 branches in various road offices. After the business is mature, branches will be set up in various state capitals and counties. After the establishment of the bank, the Department of Financial Supervision will not participate in or interfere with the specific management and operation of the bank, and will only be responsible for supervising whether the bank has committed any irregularities. Of course, the imperial court, as the largest shareholder, has the right to send personnel to participate in the management, but the three of you should rest assured that all the personnel of the imperial court who enter the bank are no longer allowed to hold any substantive positions in the court. ”

Listening to Li Yue's words, the three people in the room not only let go of the biggest concerns in their hearts, but also keenly noticed that the bank's profits were far greater than they had imagined before.

The Great Liang Dynasty implemented a three-level administrative system of the imperial court, the state capital, and the county. Between the imperial court and the state capital, there is a road level as a military region and a supervision area, with a town and a pacification department, and the chief official is called the "Shuai Division"; In addition, the Criminal and Prison Department and the Transit Envoy Department are respectively responsible for supervising local judicial proceedings and paying taxes and transferring taxes to the central government, so they are collectively called "Supervision Divisions". However, the pacification division is not very set up, and when there is a war, the imperial court sends personnel to pacify one side, and when the matter is over, it returns to the court.

The plan described by Li Yue was to establish a financial system that would include all the states and counties of Daliang, and although the widows Ting, Chang Yuanshan, and Liang Youtian did not know the word "finance" yet, it was not difficult to imagine the magnitude of the profits.

The widow said softly: "Lord Li said before that the bank's initial business was mainly to absorb savings and lending, exchange money, and exchange in other places, so what kind of business will be carried out in the future?" ”

Widow Ting didn't believe that the imperial court spent so much effort just to earn that bit of loan interest and exchange fees, and winked at Li Yue after asking.

The widow Ting Qiubo sent it blatantly, and Li Yue, who had never had any resistance to beauties, suddenly felt numb.

"That's it! Ahem! Li Yue, who was still a little dizzy in his head, cleared his throat and said: "I can talk to you first, and later after absorbing enough silver and copper coins, the imperial court plans to issue Jiaozi through the bank." ”

"This Jiaozi court and the local government have also issued it before, and it is also convenient to trade it." Speaking of this, Chang Yuanshan changed his words: "However, after a long period of circulation, it will depreciate sharply, and the people will find it difficult to trust, so they will abandon it." ”

"That's because there is no strict reserve system." Li Yue went on to explain: "Only when there is enough silver and copper coins in reserve can the corresponding number of Jiaozi be issued, so as to ensure the stability of the value of the treasure banknotes. ”

"That's a wonderful way!" Widow Ting was the first to understand, and couldn't help but praise: "If you use the wisdom of Lord Li, you will definitely be the richest man in the world if you abandon your official position and engage in business." ”

In addition to beauty, Li Yue's most lacking immunity is this kind of flattery to himself, and he happily replied: "Mrs. Lin praised it falsely!" Praise it! ”

Chang Yuanshan and Liang Youtian will also be happy, if this Jiaozi that passes through the entire Liang can really be successfully issued, it is equivalent to the bank getting the right to issue currency from the imperial court. Could there be a more lucrative industry than this?

"Then the imperial court doesn't need the bank to burden or cooperate with something?" Widow Ting knew very well that the benefits of the imperial court were not so easy to take.

"In the future, we need to cooperate with the implementation of some policies of the imperial court. For example, if you support an overseas colonization program in the form of a loan, the period of principal and profit will be longer than that of the loan in other fields, but the profit will definitely be much richer. Maybe it wasn't for the beautiful woman to ask, if it was Chang Yuanshan or Liang Youtian, Li Yue would not have explained so patiently.

"Overseas colonization?" Widow Ting really didn't know how many things Li Yue could tell that she hadn't heard of but was interested in.

"The land area of my Daliang is far less than that of the Han and Tang Dynasties, and the number of officers and soldiers is several times that of him, and he has to pay the annual currency to the northern captives. Why? This dynasty does not suppress industry and commerce. The expenditure of the state treasury is so huge, if it were not for the hard support of the taxes of industry and commerce, the imperial court would have closed its doors long ago. ”

At this time, Li Yue's mouth was like a river, and he preached endlessly: "In the future, the national fortune of Daliang is related to industry and commerce, and the prosperity of industry and commerce will lead to the prosperity of the country." If you want to develop industry and commerce, you must expand the market. I Liang silk, porcelain, tea sell well overseas, if you can expand the overseas market, its huge income, it is difficult to estimate. ”

"The profits of the maritime business are indeed objective, but they also carry great risks. If there is a storm, it will be empty of people and money, and there will be no return. "Ting, the widow who is in charge of the first maritime merchant family of Daliang, knows all about maritime trade.

Although Chang Yuanshan did a lot of business, he didn't know anything about this maritime trade, so he could only listen quietly with Liang Youtian.

"High profits inevitably come high risks!" Li Yue followed the widow Ting's words and said, "But Li thinks these risks are worth taking. You know, the earth is a sphere, or more precisely, a water balloon. Because the area of the ocean is much larger than the land, from my beam to the southeast by boat floating sea, you will find that there is a continent, its land is as wide as my beam, the cold and summer are upside down, its soil is mostly desert Gobi, but rich in medium iron, it can be called South China; Further east, there are two continents with the same area in the north and south, which can be called Penglai Prefecture in the north and south, the north Penglai is sparsely populated, the soil is fertile, there are many rivers and lakes, and it is suitable for farming; South Penglai produces gold and silver. More importantly, these places are sparsely populated and largely uncivilized. ”

Speaking of this, Li Yue raised his celadon wine glass and said, "This wine glass or a silk can be exchanged for gold, silver and jewelry locally." If an ocean-going fleet can be organized for exploration, and then resettled for development, an overseas market can be formed, and the industry and commerce of Daliang will surely flourish at that time. ”

Chang Yuanshan and Liang Youtian were already dumbfounded when they heard it, just the fact that the earth was a water polo made them feel incredible, not to mention Nanhuazhou, North and South Penglai, they were even more unheard of.

"The ancients have long said that the earth is a sphere floating in the air. Zhang Heng of the Eastern Han Dynasty also made an armillary sphere and an armillary celestial phenomenon according to this. ”

Widow Ting can be regarded as well-read, but she never remembered that there were relevant records in the book about the modern geographical knowledge that Li Yue said later, so she asked: "It's just that where did Lord Li get the knowledge of Nanhuazhou and Penglai Continent?" ”

"Li's mentor once set off by boat from Daliang, sailed eastward, and finally successfully returned to Daliang. It's just that when he was an old man who left the world, and took me as a disciple, he made me make a poisonous oath that I would not reveal his name to outsiders. After telling a lie, Li Yue secretly said in his heart, the little widow who is stunning in appearance alone is not only a businessman, but also a scholar!

Li Yue said that he had made a poisonous oath, and the widow Ting would no longer be able to continue to get to the bottom of it, but the woman felt that she told herself that the overseas colonization that Li Yue said was feasible. Wrong! I have never judged whether a man is reliable or not based on my feelings.