Weng Xincun, as the head of the household, naturally did not go to the bank gate on Niujie to queue up to receive the ticket, but sent someone to the Japanese envoy Yu Deqian to write a post, asking to meet. Pen, fun, and www.biquge.info

Yu Deqian's family knows his own family affairs, but on the surface, Yu Deqian is the Japanese envoy, and Song Haiping is the Japanese deputy envoy. But Song Haiping also has the identity of the leader of the Japanese reform team, leading Yu Deqian. After Yu Deqian got the post, he naturally discussed it with Song Haiping.

After Song Haiping looked at the official position of this Lord Weng, he said to Deqian: "The Qing Dynasty has no money." ”

Yu Deqian: "My lord's clever calculation must be accurate." ”

Song Haiping: "Reply to Lord Weng, let's go to the Qunfang Pavilion for a banquet in the evening." ”

This group of Fang Pavilions is a green building located in the Eight Great Hutongs, which is relatively high-grade, and it is normal to spend dozens of taels of silver at a time - not counting the income from raising incorruptible silver and gray and black, this is a year's worth for a seven-rank official.

This side is Song Haiping and Yu Deqian, and the other side is Weng Xincun and his young son Weng Tongshu, who is studying in the capital, bringing the child here is also to let Weng Tongshu have a long experience, and the other is to keep it secret, after all, it is the first time that the household department has borrowed money from the silver number of the Orientals.

Before the banquet, Lin Haiyang also came with good news from the Japanese side, this season's shogunate summer grain tax work has been completed, after reducing the tax of 10% and applying all-element fertilizer a month before the harvest, the harvest of the farmers directly under the shogunate has generally increased by 3 to 50%, plus the reduction of 10% of the tax, and promised to reduce the tax by 10% to 3% year after year, and increase the amount of fertilizer for increasing production for free according to the number of acres.

At this time, all parts of Japan were boiling, and the farmers directly under the shogunate bowed down in the direction of Tokyo and thanked him, and even couldn't help but cry with joy.

For many years, Japanese farmers have gone through many hardships and hardships in order to eat a few more meals a year. This year's harvest has increased a lot, and with the reduction of the tax by 10%, although it is not enough for the whole family to eat rice and flour all year round, but with the addition of some potatoes, sweet potatoes, corn and other miscellaneous grains, it will be no problem to eat a full stomach this year if the autumn grain does not cause a disaster.

In addition, the shogunate found that although the tax revenue was reduced by 10%, the shogunate's summer grain income still increased by 20% due to the increase in production, and that the villages had reclaimed the wasteland that had been reclaimed in the past, which was not taxed by the shogunate in Japan, in order to get a free fertilizer quota for the autumn and next year, was also reported according to the truth, which was unbelievable in the past.

In addition, cheap rice from the South Seas, sugar, tea, porcelain, silk, and cotton from China greatly enriched the shogunate's treasury and maintained the stability of the shogunate's people's mind.

Officials under the Japanese shogunate received two kinds of wages, silver and in-kind, generally speaking, silver rice. This year, the shogunate was much more generous, and in addition to the normal silver and rice cakes, officials at all levels distributed silk cotton sugar tea, candles, honey, various Nanyang fruits, sea fish, and salt according to their grades.

The abundance of marine fish is that Japan is already on an island with abundant fish in the surrounding area, and second, the shogunate's newly established United Fishing Company uses steam-powered large-tonnage steel fishing boats to catch a variety of deep-water fish. A boat can catch hundreds of tons of fish in a few hours, which terrifies Japanese fishermen who have lived by the sea for several lifetimes.

In addition to the catch, which was frozen on the boat and sent to the market every day, the rest was directly fed by local officials and employees of various new shogunate companies.

The officials of the Japanese shogunate are also a class with very purchasing power, and if the silver is not enough to spend, they will have to sell rice for silver to accept the exploitation of the merchants, and now the shogunate has distributed everything, which has greatly reduced the officials' desire to shop, and the interests of the merchants have of course been really harmed, but no one in Japan dares to shout the phrase that the government and the people compete for profit -- it is not guilty of killing rude civilians in the streets of Japanese samurai.

In a good environment, there are naturally grievances, and the villages bordering the shogunate are considering whether or not to throw themselves into the arms of the shogun next year -- as for the daimyos, when the local people's hearts are fluctuating, it is better to have a personal daimyo, and they can consider handing over the right to manage the land and accept the shogunate leaders as good ministers of the shogun.

In a water pavilion in Qunfang Pavilion, Weng Xincun's father and son, Yu Deqian, and Song Haiping listened to the drum book for a while, and then drank wine and ate meat. That's when we started to talk about business--because Lord Weng came with a child, naturally he couldn't ask the Qingqi people to accompany him to drink, otherwise the reputation of father and son (eating and drinking together, and prostituting together) would not be good.

Weng Xincun, Lord Weng first took advantage of the matter of long-haired hair in the south to tell the embarrassment of the household department having no money. Weng Xincun finally concluded: "If it's usual, it's fine, it's just a few years of hard life for everyone." But now, Long Live Lord must strengthen military equipment to make up for the shortage of the Beijing camp and guard against foreigners.

The silver needed by hundreds of thousands of people in Beijing will be tens of millions of taels a year, and now the household is empty, and it can't be changed anymore. When the time comes, even if the saint is benevolent, my generation will not be able to escape the blame, and I will have to resign and return to my hometown. ”

Song Haiping: "Speaking of this silver, we have it in our hands, and it doesn't hurt to lend it to the imperial court at low interest." But Lord Weng has not thought about it, in fact, what is lacking after the transportation of the capital is cut off is not silver, but rice grain in the south. If hundreds of thousands of taels are not enough, and millions of taels of silver suddenly appear on the market, what will happen to it, has Lord Weng thought about it?

Speaking of which, the capital can get millions of taels of silver and millions of stone grains from the south every year. Over the years. Where did all this money go? It went to the treasury, the underground, and the walls of the gentry's house. This silver must be circulated in the market before it is counted as money. ”

Weng Xincun didn't speak, in fact, he had already figured out that the market price of so much silver in the market would increase a lot, causing prices to boil -- which is what modern times call imported inflation.

After thinking about it, Weng asked, "The two ambassadors, what do you think about how to move this silver?" ”

Song Haiping: "The capital of the bank we opened is only a few hundred thousand taels of silver, and now we have done a business of tens of millions of taels of silver, including those who have saved money and those who have mortgaged to lend out." It's only been a few months, and the profit is more than 100,000 taels. In fact, the household department can also open a bank to absorb depositors, lend money, and make profits, and can also be used to turn over silver, but it is not easy to be too urgent, and if this thing is done only for the present, it will be very harmful. ”

Regarding Song Haiping's statement, Weng Xincun deeply agreed, and there were already a lot of chaos in front of the court who only cared about it. For example, after the Opium War, taxes began to be raised in order to pay reparations to the British - as a result, the Taiping Heavenly Kingdom was added with taxes, and tens of millions of taels of silver have not been wiped out until now.

For example, if the household department wants to open its own bank, how big an official is the household department, who can it afford to provoke, come to the household bank with the post of the prince, the military plane, or a certain adult, do you borrow it or not? If you don't borrow it, you will offend people and give you small shoes to wear. Borrow it, this bank will not become an ATM for the royal family and officials, and there will be enough money for them to spoil it. And when the news spreads, who would dare to come to the household bank to deposit money.

There are no rules, according to Weng's heart, if the household department establishes a bank, it can only be a subordinate bank of the Daqing Royal Bank, which can be done.

Originally, during this period of history, the Qing court relied on the minting of large coins (copper coins of large denominations) and hairstyle paper banknotes and treasure banknotes to carry out financial reforms.

To put it simply, the local government used the denomination of the treasure banknote to shop and consume among the people, but refused to admit that the treasure money could be used to deduct the tax silver, and after the treasure money was reduced to waste paper, the treasure banknote was used at a low price to offset the tax to the imperial court. You say sue the official, but I have to roll the nail board to sue the official, and the case of Yang Naiwu and the little cabbage has not happened in the Xianfeng years.

Besides, in fact, the imperial court really cares about a few unjust cases, and the little cabbage case is just for the imperial court to attack the forces of the Hunan army for the sake of the imperial court -- just like the later Qing court used the First Sino-Japanese War to fight against the forces of the Huai army.

Weng Tongshu is not a nerd, and said: "If a large amount of silver flows into the market at once, then I am afraid that the capital city will be expensive and cheap." But now the luck is cut off......"

Speaking of Cao Yun, Song Haiping smiled: "Japan does not have a canal, and tens of millions of stone grain are turned over from the sea every year. ”

Weng Tongshu: "Since the previous dynasty, there has been the idea of running the sea, but the sea storm has not ......"

Song Haiping continued to laugh: "Only the official ship will float away - if it is reported that it has floated away, even the ship with grain will become its own." But that's okay, it can be handed over to private businessmen to operate, and the grain will be paid for silver. As for the present, the shogunate has already calculated the cost, and the price of Nanyang rice to Tianjin is four coins and one stone. ”

In Beijing, Weng Tongshu has never seen rice on the market with a price lower than one tael and one stone, and he can't help but say: "It's so cheap, now one stone of rice on the market is more than three taels of silver." ”

Song Haiping looked at Weng Xincun and said, "Lord Weng, our Nissin Bank can lend the household two million stone of rice and one million taels of silver to the household department at the price of five coins and one stone. One cent of interest. The household department used this grain to sell at a low price, stabilize the price of rice, and then continue to hand over the silver to us to buy rice in Nanyang, I think the household department can turn around in a few months, and maybe there will be a big surplus. ”

Weng Xincun nodded and said: "If Nanyang really has rice for five coins and one stone, it is really a blessing for long live, a blessing for the court, and a blessing for the people." ”

This loan was negotiated, Weng Xincun of course would not be so stupid as Hu Xueyan, doing business with outsiders and leaving notes for people to copy.

This business had to wait until the grain ships of the shogunate joint shipping brought the grain, and when it arrived in Beijing and Tianjin, it was handed over to the people of Tobe and the Nissin Bank to be sold, and most of the silver proceeds were deposited in the Nissin Bank, and some of the silver and rice were distributed as the capital of the Kyoto camp.

It seems that the Nissin Bank is borrowing money and transferring and selling, but without the backing of the household department, the Nissin Bank dares to sell rice near Beijing and Tianjin, and this is not a tear to shreds -- in these days, the grain business is not something you can do if you have grain to sell, take the vicinity of Beijing and Tianjin as an example, the background of the grain merchants is mostly princes and nobles, or at least it is also an internal affairs government, and the pressure of selling grain at a low price here is tantamount to pulling teeth out of a tiger's mouth.

Weng Xincun's Hubu Shangshu is also poor and crazy, so he dares to do this business with the Orientals, if there is a way, Weng Xincun doesn't want to touch the tiger's buttocks, but as the Hubu Shangshu can't get the money and food in Beijing, it must be a capital crime, and offending those imperial merchants may not die, and he will not be impeached and go home to retire.