Yin Qingfeng's words, he believed that they could move Li Shimin.

The ancients paid attention to the first, that is, to follow the decisions made by the predecessors or the ancestors in the family, which is the sentence that later generations are familiar with: the ancestral family law, the most famous is the Ming Dynasty's 'Son of Heaven guarding the country'.

Yin Qiao was the first to follow Li Shimin, and Yin Qingfeng, as Yin Qiao's descendant, continued to work for Li Shimin after 'learning something', which was the most appropriate thing in the eyes of the ancients.

"If Ah Weng Jiuquan knew that he was still being missed by His Highness, he would also be happy."

"So, you want to be an idler?"

"Yes, it's just that the kid is still thinking about the 'empire' that the kid said before. Even if the kid is not in the court, he will serve His Royal Highness and the Tang Dynasty. ”

"It's a relief that you can think like this. Now let's talk about the good advice you offered before: the law has been promulgated on the matter of cultivation, and as for what will happen in the future, I am not worried; But the matter of this copper coin, although no decree has been issued for the time being, because the court is still arguing about the private minting. Tell me what you can do to fix it. ”

"Back to His Highness, the boy thinks: if there is half of the profit, someone will take a risk; For the sake of doubling the profits, some people dare to trample on all the laws of the world; With three times more profits, someone dares to commit any crime! This private thing is inevitable.

Therefore, the kid's suggestion is: the principal is killed with a cane, the three ethnic groups are confiscated, those who conceal and fail to report are guilty of the same crime, those who know and use the same crime, half of the whistleblower's private money is resettled for profit, the official in his jurisdiction is demoted to two levels of appointment, and the governor is exiled. Since it is uncontrollable, then multi-layered prevention. ”

Li Shimin pondered for a while and said: "In this way, it is much stricter and more meticulous than those proposals in the court, but it can also reduce the casting of private money greatly, which is a good policy." ”

"What I just said is private, and the minting rights of the money supervisors in various places must also be withdrawn: each gold, silver and copper mine will only be responsible for mining, smelting and smelting into ingots, and then transporting them to the jurisdictions of each province, and minting them into coins in the cabinets set up in each province. Each minting, distribution, and exchange must be registered and supervised and verified at three levels. These are the registration forms that the kid envisioned to be used in the cabinet. ”

As he spoke, Yin Qingfeng took out a few pieces of paper from his arms and put them on the desk in front of Li Shimin.

"Your Highness, please see: the symbols on this page, the boy called the arithmetic symbols: 1 is one, 2 is two... 10 for picking... 101 for one hundred zero one.... The bottom symbols represent addition, subtraction, multiplication, and division. ”

When Li Shimin saw that it was almost finished, Yin Qingfeng continued: "This is an exchange table, a daily note: date, copper coins received, how much gold and silver are collected, how much fineness, and how much are exchanged. It is to prevent overcharging and underredemption and under-redemption. ”

"This is a casting table, one at a time: the content is the amount of raw materials, the cost of each item (labor, loss, etc.), and the value of each face. The raw material indicates whether it is the original ingot of gold, silver and copper, or whether it was recycled and recast. This table can calculate whether someone is hiding the raw material without permission. ”

"This is an entry and exit table, one at a time: the state, state, and county to which the coins are sent, who signed it, the date, and the cost of transportation. Prevent people from going out of the warehouse and picking up the airport without permission. ”

"This is a deposit and withdrawal table, one at a time: some people deposit coins that are not used for the time being into the cabinet, or deposit money in place A and withdraw money in place B, and they have to pay a certain fee to the cabinet each time they deposit and withdraw. Every access is recorded. One is used as an access credential, and the other is to calculate the access fee. ”

"This is a loan form, one at a time: if a businessman or someone needs money urgently, he can go to the counter to borrow money, and make a physical mortgage according to the amount of money borrowed. Interest is paid on the money lent out at a certain rate and for a certain period of time. If the mortgage is not repaid within the time limit, it will be owned by the counter, and the loan contract will be terminated. ”

"This is the income statement every ten years: through the first five tables, the final calculation of costs and benefits can be obtained."

After the introduction, ignoring the somewhat stupid Li Shimin, Yin Qingfeng continued,

"However, this cabinet might as well be renamed as a bank and Datang Imperial Bank. The Imperial Bank can be divided into central banks and local banks.

The functions of a central bank are: to manage and supervise local banks, and to mint and distribute coins; In addition to being responsible for exchange, banks in various places can also lend money to the outside world.

Borrowing is to lend money from the bank to people who need it, and then charge a certain fee. This fee is called interest;

These banks can be divided into agricultural banks according to the objects of their loans: they specialize in lending to peasant households and agricultural production. In the event of drought or flood or other disasters in various localities, loans should be granted as appropriate to avoid the situation of selling children and daughters and land, so the interest rate on this kind of loan for farmers is the lowest or no interest; Commercial banks are those that lend exclusively to merchants, and the interest rate is the highest; Trust banks that specialize in taking care of the assets of the wealthy to increase their value are the trust banks, and charge a certain fee every year to calculate the increase in their assets. ”

"Underneath each form is the signature of the person who handles it, the person who checks it, and the person who checks it. The person in charge is the person who did the work at the time, the inspector is the bank where he works, and the checker is from the central bank. ”

After some explanation, Yin Qingfeng, who had a dry mouth, wanted to drink something while Li Shimin was still shocked and digested. There was a cup of tea on the table, but Yin Qingfeng was not sensitive.

Legend has it that when Shennong tasted a hundred herbs, the Chinese drank tea. But in the early Tang Dynasty, people grinded tea leaves into powder, added green onions, ginger and garlic, not to mention the taste, they could trick the newlyweds at modern weddings. Fortunately, there were a few pears on the case, and Yin Qingfeng ate them unceremoniously.

Yin Qingfeng's clicking sound can be regarded as waking up Li Shimin's soul.

Li Shimin looked at Yin Qingfeng with strange eyes, "I want to know how you came up with these symbols and these tables?" ”

Yin Qingfeng also knew that he couldn't show off at this time, and said with a calm face: "What about this number, according to Hu Shang of the Western Regions who told the kid, it was first used by the Tianzhu people, and then it was transmitted to the Western Regions through the big cannibals, and the kid got it from Hu Shang unintentionally."

Because I had to make these tables, I used them to make them look simple and straightforward. As for the table, the little girl calculates the income of Xianjufang every day at home, and the kid made some changes when he saw that she was calculating hard. ”

Yin Qingfeng didn't know how to keep accounts in other eras, but he had seen the account books of the Tang Dynasty: it was not in the form of a table, but a column of text, and the content was not divided into entry and exit, loans, balances, etc. When he first looked at these account books, Yin Qingfeng's head was not ordinarily big.

When Yin Qingfeng was designing the form, he still wanted to write horizontally from left to right, but after thinking about it, forget it, don't make another incident. Others are in the form of modern bookkeeping.

"You're talking about it easily, just forget about the Western Regions or Tianzhu arithmetic symbols, is this table just a matter of making some changes? Why didn't anyone in the household department change such a form? ”

Yin Qingfeng said with an innocent face: "They can't think of it, you go and scold them." The boy didn't care about giving them money. ”

"You, you.. Never mind. Li Shimin wanted to say something, but he gave up again. It looks like it's been hit hard.

In order not to be too embarrassed by the scene, Yin Qingfeng said cautiously: "Your Highness, for the idea of new money, the kid only thinks so much. Whether it's feasible, or how to do it, the kid really can't figure it out. ”

"If you can figure it out, I'll tell all the idiots in the court to go home!"

Fainted, hoarse and screaming? Who does the roar scare you? Yes, you are an uncle and I am a master, I can't afford to provoke you. Yin Qingfeng lowered his head and prepared to take the pear in his hand to see if he could taste the taste of watermelon.

After waiting for a long time and seeing no movement, Yin Qingfeng had no choice but to raise his head and look at Li Shimin, who was still in a certain mood, and asked, "Your Highness, but what's wrong?" ”

"Is this really something you changed based on the books at home?"

His voice was a little hoarse, which made Yin Qingfeng feel very strange.

Yes."

Li Shimin waved his hand and said, "Okay, it's nothing." This form should not be mentioned to anyone in the future. ”

"Yes." Yin Qingfeng hurriedly replied.

Li Shimin was silent for a while, and then said, "Now let's talk about ploughing cattle." As for your cattle farming, it will be a few more days before there will be some results. Is there anything else you would like to mention about this farming?

"The boy doesn't understand the specific breeding of this ploughing cattle, and His Highness needs to send some experienced shepherds to the boy; The land also needs to be planted, and some literate people are needed to give it to the kids. Oh, and the kid needs a lot of iron farming tools. ”

"Well, these people will have these hands and farm tools ready for you, and they should be able to do it a year ago."

"That kid doesn't have any requirements."

"Well, there are still things to deal with here, so I won't leave you behind, you can go back first."