In the Chongzheng Palace, several ministers were sitting in danger, and Zhao Zhen asked Prime Minister Li Di: "The three divisions want to repair roads across the country, and it is the right time in autumn and winter, but can the imperial court come up with so much money?" ”

Li Di praised Wat and said: "Your Majesty, now the imperial court spends money, all of which are borrowed from the bank, as long as the bank can lend, there will be no shortage of money." Pen, fun, pavilion www. biquge。 infoThe three divisions have already listed the manpower and material resources required for the renovation of these roads, and the time to repay the principal and interest, and there is no problem for the three divisions to ensure these. Now just looking at the bank, I think it's not cost-effective to lend this money. ”

Zhao Zhen asked Xu Ping, who was sitting at the bottom: "I look at your recitals, most of them say that the principal and interest will be repaid within three years, can this really be done?" Although the road has been taxed, but in three years, according to previous years, is it less? ”

"Three years is not a short time, but it depends on how the tax is collected." Seeing that Zhao Zhen was a little puzzled, Xu Ping stood up and gave a wat salute. "The success or failure of this matter depends on whether His Majesty supports it or not. After these roads were repaired, the three divisions had decided that no matter which yamen it was, no matter what it was for, as long as they walked on the road, they would have to pay taxes like the common people. Even if some yamen were in difficulty, the money was reallocated back by the three divisions afterwards, and the taxes at that time had to be paid. Now just look at the inner government, the whole country is usually tax-free, walking on these newly built roads, can Your Majesty let people pay taxes. ”

"Alas, how much cargo can there be in the inner house? Since ancient times, how can the Son of Heaven pay taxes-"

When it comes to money, Zhao Zhen's account is very fine, Xu Ping had expected it, and said to Zhao Zhen: "Your Majesty, it is okay for the Son of Heaven's private property to be tax-free." However, in addition to the goods of the inner government, in previous years, there were always princes and ministers who made false orders to evade taxes on goods from the inner government. This kind of thing is not easy to investigate carefully as a courtier, and it is really impossible to prevent it. Otherwise, when the inner government transports the goods, the tax calculation is also paid, and at the end of the year, or once a month, the third division can reconcile with the inner government, and then transfer the tax back? ”

Zhao Zhen shook his head again and again: "Someone corrects the order, just let the lawsuit be strictly investigated, and the traitor will be severely punished according to the law." How can it be reasonable to let the wealth of the Son of Heaven pay taxes? You can't do this, you go back and think about it, and come up with the best of both worlds. ”

Seeing that Zhao Zhen didn't want to pay the tax anyway, Xu Ping felt that it was difficult to do, and turned his head slightly to look at Li Di and Chen Yaozuo.

Zhao Zhen didn't want to pay taxes normally, this time it wasn't a matter of money, but the things used by the palace didn't want the foreign dynasty to know. The world's precious and rare things are gathered in the palace, and the ministers of the foreign dynasty don't know, as soon as the news leaks out, there may be someone to persuade them that the wealth of the world is the people's fat and the people's ointment, and the Son of Heaven should take the lead in thrift, and Zhao Zhen is also annoyed.

Li Di coughed lightly and said to Xu Ping: "Advice, how to collect taxes on the newly built road?" ”

Xu Ping comprehended and said, "Back to Xianggong, now there are three ways." The first is to collect according to the number, as long as it is on the road, how much tax is calculated for one person, how much tax is calculated for a horse, and how much tax is calculated for a car. As for the goods, one is collected according to the weight, and the number below 100 catties is counted for every 20 catties of 100 catties. There is also a collection according to the size, and the size is measured such as the weight collection method. The last two are based on the one with less tax. Of course, these are all based on mileage. ”

Li Di said: "In this way, transporting gold and treasures on the road is the same as the tax paid for transporting bricks, tiles, wood and stones?" ”

"Exactly. This money is said to be a toll, and as for the tax, there is another calculation. ”

Li Di said to Zhao Zhen: "Your Majesty, Yichen doesn't think it's as good as this, the travel expenses that Xu Yi just said are used by the palace and paid the same as the people." If Your Majesty feels that he has paid too much, he will reconcile with the three divisions at the end of the year and transfer the money back. As for the tax calculation, it is exempt as before, the best of both worlds. Is that good? ”

Zhao Zhen didn't speak, thinking in his heart. Every year, the palace will bring back some treasures from all over the world, such as pearl coral from the South China Sea, gold from Jingdong Road, and overseas treasures collected by the city, which are piled up like mountains in the inner warehouse. If the accounts of these things are leaked, they will definitely cause discussion among foreign ministers, and they will be very ugly. But the conscience of heaven and earth, these treasures are not all enjoyed by the palace, a large part of them are sealed for the needs of the state, Zhao Zhen does not want to be wronged.

If it only collects tolls and does not inspect the goods, it can be accommodating. As long as the foreign dynasty doesn't know what it is, Zhao Zhen can die and not admit it, and insist that the luck is broken bricks and tiles, what can you do?

After being silent for a long time, Zhao Zhen nodded: "That's fine, let's do it for the time being." If it is inconvenient, make a decision. ”

Everyone sighed, no matter what the change was, as long as it involved the palace, it would be difficult to do. And Zhao Zhen is a reasonable emperor, as long as he doesn't make him too ugly, he can negotiate.

The matter was decided, and Chen Yaozuo asked Xu Ping again: "Xu advised, only tolls are charged on the road, so what should I do with the taxes collected before?" Is this going to be cancelled? If so, there is something wrong. ”

"Back to the prime minister, the tax on general goods has indeed been abolished, but the housing tax has been tightened. From now on, the government will investigate the purchase and sale of large quantities of goods in private and tax evasion. As for special goods, taxes are still charged. In the future, the three divisions will make a list, report it for details, and the saint will make a decision. The goods in this list will be taxed in different amounts. In other words, in the past, general goods were taxed and exempt from tax were specially listed, but later it was reversed. In order to prevent smuggling, the Third Division of the Third Division will arrange spot checks for goods transported by road, and once smuggling is detected, the punishment will be increased. ”

Seeing that Zhao Zhen's face was a little bad when he heard this, Xu Ping hurriedly said: "Of course, this does not include the goods transported by the Inner Government. Many of the palace's uses are not easy for the outside world to know, no matter what is transported, they will not be checked. ”

Zhao Zhen sighed, not wanting to waste any more energy on this, and said, "Okay, let's settle it." As long as the three divisions calculate it themselves, there will be no shortage of taxes and money. ”

Xu Ping thanked Wat and sat down again.

Li Dilang said: "The road will be repaired in autumn and winter, and it will be decided like this. However, it is better to decide which bank the money will come from, or how many banks will come out together, and how much each will pay. Otherwise, I'm afraid that there will be disputes in the future. ”

Zhao Zhen was stunned for a moment and said, "According to what I said when I set up the bank before, shouldn't this money come from the Third Division Bank?" If there is anything to discuss, it will be done according to the established plan. ”

Cheng Lin, who was sitting next to him, said softly: "Your Majesty, this kind of money is the bank's favorite loan, if it is paid by the Third Division Bank, I am afraid that the other two banks will be dissatisfied in the future." ”

"Well, why do banks like to lend this kind of money the most?" After Cheng Lin's words surprised Zhao Zhen, he turned his head to look at him. "The interest rate of this kind of loan is lower than the interest rate of ordinary foreign loans, and the bank still likes the low interest?"

"Banks make money not only on the basis of interest rates." Cheng Lin's voice was relatively low, and he was talking to Zhao Zhen alone. Bachelor Hanlin really belongs to the ministers and wants to give advice to the emperor, which is still a little different from the identity of the ministers of the foreign courts. "The loan money to these projects is not issued at one time, but in installments according to the construction period, which is conducive to bank operation, one of them. This kind of money is actually not much out of the bank, and it is loaned out in installments, which has little impact on the bank's lending ability compared with other loans. The money is lent out to repair the road, and after the road is repaired, the tax is collected to repay the loan, and the risk is very small. In addition, the project is a move for the benefit of the country and the people, and according to the regulations set at the beginning, there will be incentives, and the money supervisor can allow banks to lend a higher proportion. ”

Zhao Zhen was silent for a while before he half-understood what Cheng Lin meant. From the beginning of the establishment of the bank, Zhao Zhen felt that his previous business experience was a little insufficient, and he was often confused by the words of these ministers in charge of the bank, and accidentally fell into the pit. In the final analysis, the cost of bank lending is very low, and the risk is very small, and commercial banks must rush to do it even if they make certain interest concessions. Another point is that in order to support government projects, it has been decided from the beginning that the money regulator has preferential policies for banks that lend a large number of project loans, which can reduce deposit reserves. If the money supervisor loosens the door here, there will be a large amount of available funds in the bank, which is more important than anything else.

At first, he felt that the interest rate of this kind of project loan was a little low, and Zhao Zhen didn't want Jingshi Bank to get involved, but after listening to Cheng Lin's analysis, he felt that he thought the opposite. Although the interest rate is low, this interest is equivalent to nothing, and the amount is particularly huge, which bank does not participate, it will definitely turn its face in the future.

Only then did I understand that what Li Di said just now was not to share the task with the three banks, but to share the spoils.

Seeing Zhao Zhen looking at him, Xu Ping said: "The Third Division Bank is different from the other two, and the principal is used in national taxes. Now that it's autumn and winter, I don't have enough money in my hands. In this loan, the short-term ones do not participate, but only participate in a few companies with a long time limit and can be divided into multiple periods. ”

Xu Pingyi said that the three divisions of the bank had reservations, and Zhao Zhen was a little hesitant, afraid that he would be cheated by the foreign ministers.

Xu Ping said: "However, Xijing Bank has enough cash in its hands, and it is not impossible to carry out all these projects." ”

Cheng Lin said: "The two banks, it is impossible to put them all in Xijing, and we still have to discuss the two to pick them up." ”

Xu Ping looked at Cheng Lin and said with a relaxed expression: "It's naturally best for the two families to pick it up together, but as far as I know, there is no money in the hands of Jingshi Bank now." There is no room for any delay in the loan of the project, and the money supervisor has to pay close attention to whether there is money to lend to the outside world. ”

Zhao Zhen was a little confused: "No, when the two banks opened, the capital was the same, and it has only been a few months, why does Xijing Bank have money to lend, but Jingshi Bank does not?" ”

"Your Majesty, the same is a loan, put it to different people, the effect is very different. Xijing Bank's loans are all placed in companies with clear business, and the payment is clear and the repayment is timely. Jingshi Bank is different, the audit department has been keeping a close eye on it, and after checking several times, it is still not clear where their money is going. Although they are also loaned to companies, the business of these companies is a mess and extremely risky. If the risk is high, the money supervisor will collect the amount of the loan. ”

Zhao Zhen turned his head to look at Cheng Lin, and Cheng Lin nodded: "It's true, the risk of lending by Jingshi Bank is indeed large, and the money supervisor has tightened the scale of lending there." Unlike the Xijing Bank, the accounts are clear, and the lending ability is magnified. - Your Majesty, this matter has been mentioned by Weichen before, but the people in the Jingshi Bank have not taken it seriously, but now there is no way. ”