On this day, after the morning court, the apse sat again, and Xu Ping was also invited. Pen & Fun & Pavilion www.biquge.info Generally speaking, when the apse sits down again, Zaifu is the natural participant, and others depend on the situation, and the Hanlin Bachelor, the Imperial History Zhongcheng and the Three Envoys participate more.

Entered the Chongzheng Palace, behaved like a ceremony, and gave tea soup and a seat according to the regulations.

At the beginning, some personnel appointments and dismissals, as well as some daily government affairs, were discussed, and the miscellaneous matters were discussed before getting to the point.

Zhao Zhen said: "Two days ago, the three divisions played, saying that Jingshi Bank did not follow the regulations on lending to foreign countries, and they were afraid that there would be chaos in the future, so they asked all departments to strictly inspect bank lending. What do you think, ministers? ”

Chen Yaozuo praised the wat and said: "This matter has been investigated by Weichen, and the loan of Jingshi Bank is ruthless, and the three divisions are too cautious!" ”

"Oh-" Zhao Zhen was a little surprised, and turned his head to look at Xu Ping on the side.

Xu Ping praised Wat and said: "Your Majesty, the Audit Department of the Third Division has checked the company that lends money to Jingshi Bank, and it is true that there are no violations on the surface, but there are too many irregularities and suspicions. The Audit Department is only responsible for checking the accounts, during which it finds illegal things, it will be dealt with by the Division, and if there are doubts, the Department will strictly investigate the documents. This matter is to find that the recent lending of Jingshi Bank is suspicious, and their doubts have been clearly stated in the chapter, and I hope that someone will be sent to investigate and answer their doubts. ”

Li Di said: "The audit department thinks it's inappropriate, just check it yourself, how can others know what they think!" ”

Xu Ping had to patiently explain: "Xianggong, the Audit Department only audits the accounts, not enforces the law." Some of the problems are directly found in the audit of accounts, and there are also signs that are found without real evidence, and this matter is the discovery of the symptoms. As for how to check and deal with it, it is not the responsibility of the Audit Division. Nowadays, there are many private companies and shops, plus the three divisions and local states and counties, which are not much more than before, and the affairs are complicated. According to the opinion of the lower officials, a special yamen should be set up to manage them. At present, there is none, and the Audit Division does not know where to move the text, so it has to report it and play it. ”

Listening to Xu Ping's words, everyone frowned, feeling that what he said was too troublesome. In the past, there were more commercial disputes among the people, and they were also ordinary cases and were tried by the local government, but now everything is just done, why should a new yamen be set up?

Xia Zhu, a newly enrolled scholar in the academy, said: "The government should not disturb the people first, the fewer the yamen, the better, and the fewer the official affairs, the better, so that the people can be self-governing in the world." Xu advised the three divisions to be the main division, and many new yamen have been established, and many of the powers are attributed to the three divisions. There are precedents for private transaction disputes, so why set up a yamen? If this continues, how many officials will there be in the world? ”

Xu Ping said: "Official, take care of it, whether there is more or not, it just depends on whether anyone is in charge of the affairs of the world, and whether they can manage it." If it can't be managed, it is natural to set up a new yamen. If the yamen is idle, it will naturally merge with the province, and it should not be mixed up. ”

In the imperial history, Zhang Guan said: "Xu Ping's advice is inappropriate, if it goes on like this, it is necessary to set up a yamen for one thing, how many yamen do you want in the world?" There have been precedents before, like this incident, the Audit Department felt that it was inappropriate, and the Kaifeng Mansion was transferred. If the prefecture or county outside the capital felt that there were doubts, they would move to the local government and let the magistrate decide. ”

Xu Ping shook his head: "Move the text to Kaifeng Mansion, but can Kaifeng Mansion manage Jingshi Bank?" The new yamen can not be set up, but there will be more and more such things in the future, so it is better to designate a yamen to take care of it, and it is better to have a special responsibility for things. ”

This time, almost no one supported Xu Ping and opposed it. Since Xu Ping returned to Beijing, he underwent major surgery on the Third Division, and some new yamen were built, and many matters and powers were clearly stated and placed under the name of the Third Division, which has long been disliked by many people. If you want to push it like this now, will it be worth it? The previous political framework is about to be shaken.

To promote the development of the commodity economy, industry and commerce will account for an increasing proportion of the economy, and it is imperative to set up special institutions for the management of industry and commerce. There is also a special Sinong temple for agriculture, and the magistrate also brings the peasant envoys to persuade them, so how can industry and commerce be an exception?

But for the ministers present, many people still have the traditional concept that industry and commerce are the last business, although there is no clear statement that the original is suppressed, and many people still think this way subconsciously. What's the joke about having a dedicated agency for business and industry?

The three divisions have the right and responsibility to manage industry and commerce, but if there is a commercial dispute, it becomes a civil case, and the three divisions have no law enforcement power and cannot manage it. In this way, the role becomes a little awkward, and for the sake of convenience, the third division has the urge to bring all the industry and commerce under his own control. Xu Ping didn't want to do this, so that the chain of commodity economy became the internal circulation of the three divisions, and the productivity conditions at this time could not be reached, and it must be opened to the outside. An open commodity economy is indispensable for the development of a unified management organization for coordination and management.

Zhao Zhen was a little weak-hearted, he was the one behind the scenes of Jingshi Bank, and he was always worried about being grabbed by the foreign ministers, so he kept silent. Everyone is against Xu Ping, but he is happy to see it.

Seeing that he didn't support himself, Xu Ping sighed: "Whether the yamen is better or less, in fact, there are no certain rules, it depends on what the government wants to do, and you can't stick to more or less." Why did Jingshi Bank make the three divisions vigilant about this loan, not only because the money may not be recovered, but also because it is secondary. In fact, banks lend money, collect interest every month, and pay close attention to the person who lends money, and it is unlikely that they will lose their capital completely. The bigger problem is that these companies that lend money are not doing ordinary business, and their operation may not be beneficial to the people at all, which is not to be taken lightly. They have a lot of money in their hands, and if they don't do a good thing, the relationship will be big. ”

Chen Yaozuo said with a smile: "Some small shops are just some small shops, what can they do that is not good for the people?" Xu advised, you have thought too much about this matter. The government should not take too much care of the people to do business with money, as long as they can repay the principal and interest on time. ”

Xu Ping didn't know how to explain it for a while, and the difference in thinking between himself and these people was not a disagreement on a specific measure, but a fundamental difference. That is, what is the role of the government in economic activities? Whether it is necessary to manage and guide the entire economy as a whole, or whether it is to leave it alone and just collect the money.

After a while, Xu Ping said: "Xianggong, people have no long-term concerns, but there must be near-term worries." There is also a saying that everything is foreseen, and if it is not prepared, it will be wasted. Every time the imperial court does something, it must have a clear purpose, what kind of goal it wants to achieve, so it is done. For example, the establishment of these banks is to make it easier for people to do business and make more money. It was on the basis of the people being able to earn more money that the taxes received by the government increased. Therefore, to examine whether there is a problem with what Jingshi Bank has done, it should be seen that it is consistent with the original goal. From this point of view, the three divisions have doubts about the current lending of the Jingshi Bank. ”

Speaking of this, Xu Ping praised Zhao Zhen: "Your Majesty, the opinion of the third division on this matter, what should be said Weichen has been clearly understood. In the end, what should be done is naturally decided by the Chinese book, and His Majesty decides. But having said that, there will really be chaos in the future, and the minister will not say who will be held responsible, and the wise man will still have a lot of worries. The minister only hopes that when that time comes, he will think about whether he should take care of these things or not. The minister thinks that today's money and grain are not mainly from the two taxes, since there is a Sinong Temple to persuade the agricultural envoys, then why can't the industry and commerce be in charge of a special person? ”