Wang Ningan and Zhao Zhen talked for a long time, to paraphrase the words of later generations, that is, the monarch and ministers reached a broad consensus and achieved fruitful results, and a beautiful blueprint for the future of Bianjing emerged in their plans......

Wang Ningan's idea is very simple, that is, to make everything large-scale and market-oriented...... For example, food delivery workers need standard uniforms, which drives the garment industry, carts, carpentry, bowls, chopsticks, and ceramics. As the demand for pens and fun www.biquge.info increases, the scale of production will expand, and if there is not enough manpower, machines will be invented, and with machines, the industrial revolution will inevitably come......

For the Great Song Dynasty, it is not impossible to enter the industrial society, the beginning of Western industrialization is the Jenny machine, which can spin 8 threads at a time, and the Great Song Dynasty, in the south, there is a hydraulic loom that can weave 32 threads at the same time.

Wang Ningan felt that it was not difficult to change the Great Song Dynasty, the key was to stimulate the huge social energy, and not to doubt the diligence and intelligence of the ancestors.

Of course, the traditional group of scholars, the gentry and landlords who lay on the ground and sucked the marrow, could not lead this great change.

Maybe God is helping himself, and the ghost has pushed himself to the position of the president of the Royal Bank, since this is the case, then Governor Wang is going to make a big move!

"Your Majesty, the minister thinks that to promote the development of the capital, a policy is also needed."

Zhao Zhen smiled and said: "Wang Qing, you just have to say, I must agree to what I can promise." ”

"Thank you, Your Majesty." Wang Ningan said: "I hope that the Royal Bank can set a benchmark interest rate. ”

Zhao Zhen was puzzled, "Wang Qing, what's the use of this trick?" ”

"Your Majesty, the minister has some thoughts, and he is about to start His Majesty."

……

A person's wealth can be roughly divided into two kinds, monetary and kind, lend the money to get interest, sell the goods, and get a profit.

In a way, interest is the profit of money, and profit is the interest of goods...... It sounds a bit winding, but in simple terms, it's a reward.

People are all seeking advantages and avoiding disadvantages, what is easy and makes a lot of money, just do anything, people are stupid and make money quickly!

In the case of the previous loan from the same person who gave the joy of the Runan Wangfu and the Great Xiangguo Temple, the monthly interest rate is 20%, and the compound interest is calculated, as long as it is four months, the interest can exceed the principal!

Borrow one dollar, pay back two!

Scary isn't it?

Of course, due to the emergency use of money, the interest rate is high, but the actual private loan is not much less than this.

Zhu Xi of the Southern Song Dynasty once noticed that the interest rate of the people was too high, he took out some rice, lent it to the people, for three months, the interest was 20%, the people were grateful, and actively borrowed, in less than two years, Zhu Xi made a profit of more than ten times!

God, it will be 20% in three months, and as a result, he will be regarded as a saint and sing praises of virtue.

It can be seen from this that the folk interest of the two Song Dynasty has reached such an exaggerated level!

Since the interest rate of the private sector is so high, rich people can make a lot of money as long as they lend money, so why should they invest in industry and commerce, which is not only a waste of energy, but also a risk.

Just ask, which industry can make several times the profit every year?

Except for someone like Wang Ningan, can anyone else?

If the social environment is like this, don't blame the industry and commerce for not developing.

Wang Ningan thought a lot, he felt that interest is like a ruler, this ruler reflects the value of money, when you have some money, you can earn interest by getting it for nothing, from a certain point of view, this is a reward for your past labor accumulation.

If the interest rate is so high that it is more profitable than doing business and work, is it not said that the man who gets something for nothing is better than the man who gets rich with his hands?

Obviously, this is unreasonable.

Therefore, the interest rate should be lower than the general profit of industry and commerce, so as to guide those who can afford to invest in industry and commerce and create more wealth.

Of course, the interest rate can not be too low, like the later generations even appeared negative interest rates, that is, to a dead end, no need to worry about the cost of money, there is no motivation for innovation, so the low interest rate has created a large number of zombie enterprises, the typical representative is the East China Sea Wa State, often a hundred years old shop a lot, some people still think that there is a spirit of craftsmanship, touted, in fact, it is the lack of elimination, zombies are rampant, only from the lost ten years, into twenty years, thirty years...... It's a bit too much to say this, Da Song's current problem is that the cost of borrowing is abnormal, in the past, it was the pressure of money shortage, there was no way, but now the money shortage is gradually alleviating, Wang Ningan is holding the Royal Bank again, and he can show his strength.

"Your Majesty, the minister is ready to set the benchmark interest at two percent per annum, and the large amount of borrowing and the projects encouraged by the imperial court can be less than one or five percent, or even one percent; For private loans, the annual interest rate cannot exceed 30%, and all donkey rolling interest is regarded as illegal and will not be protected. In the next step, the Royal Bank will open branches in major cities to completely eliminate the shortage of money and reduce interest rates. ”

Wang Ningan said with longing: "Your Majesty, among the metropolises of my Great Song Dynasty, in addition to Bianjing, Hangzhou also has a population of one million, and the rest of Chengdu, Suzhou, Guangzhou, Luoyang, Damingfu, Quanzhou, Fuzhou, Yangzhou, and Pingxian plus Cangzhou, all of which are metropolises with a population of three or five hundred thousand, and the logistics and distribution system of Bianjing, these cities also need it, as long as this market is opened, not to mention a million Xiang Army, even if it is two or three million, it can be easily digested!" In order to achieve this step, an important premise is to keep the interest rate down, so that the profits of industry and commerce will exceed that of usury, and when the time comes, everything will fall into place, and the result will be twice the result with half the effort. ”

Wang Ningan's conversation touched Zhao Zhen very much, and it can be said to be subversive.

There is only one core of what Wang Ningan talked about, that is, people's behavior is determined by interests, and people are profit-seeking animals, as long as interests are regulated, they can guide people's direction.

This set of concepts of governing the country with benefit is completely contrary to the Confucian emphasis on governing the country with morality and filial piety.

The scholar sang that the gentleman is righteous, and the villain is profitable. Judging from this standard, Wang Ningan is an authentic villain!

But the more Zhao Zhen pondered Wang Ningan's statement, the more reasonable it became.

The emperor of Zhao and Song has given the scholars a hundred years, they did not prosper the Great Song Dynasty, they did not take back Yanyun, it is time to change the strategy.

Wang Ning'an, as well as his Royal Bank, are Zhao Zhen's bladed magic soldiers who reopened the law change!

"Wang Qing, I can agree to your request, but for the time being, I can only put it in the capital, if something goes wrong, I have to stop it at any time, and I can't rush it to the whole country, do you understand?"

"Your Majesty is thoughtful, and the minister also means this, after all, the credit of the Royal Bank has just been established, and the cultivation of talents has just started, and there is still a relative shortage of copper mines, so the minister thinks that it will take twenty or thirty years to promote it to the whole country, which is already very fast."

The difficulty of governing a place is completely different from governing a country. Think about Wang Anshi, when he was in the locality, he implemented the green seedling law, which was praised as a flower, and after he became the center, he implemented the green seedling law, which resulted in a big mess in the world, and there was opposition everywhere...... Oops!

Wang Ning'an's heart suddenly moved, and there are basically two evaluations of Wang Anshi's Qingmiao method, the mainstream opinion praises his fearless spirit of innovation, and many people on the Internet think that his change is rough and frizzy, and it is impossible to succeed.

But Wang Ningan had another idea at this time, Wang Anshi pushed the Qingmiao method and lowered the interest rate by himself, which is actually a principle, which is to reduce the cost of borrowing for the people, and to take meat from the mouths of those gentry and landlords.

Wang Ningan is not only fearless, but also more wise, and his methods are not necessarily wrong, but he dug up the ancestral graves of the gentry and bureaucracy, and was subjected to a strong counterattack, even if it was a good change, it was distorted to the point that it was not presentable.

If you want to say that Wang Anshi is wrong, maybe it's just that he is too impatient, and the fault is that his strength is not enough, but he wants to promote the sudden changes that turn the world upside down.

Thinking of this, Wang Ningan was suddenly full of interest in Wang Anshi, who was only one word short of his name and helped him through the copper price crisis, but had never met.

Maybe only Wang Anshi can talk to Wang Ning'an, and the two of them should have a lot of common language......

Of course, Wang Ning'an is much luckier than Wang Anshi, his strength is stronger, and his boss is more sober, Zhao Zhen limited the reform to Kaifeng Mansion, which is very much in line with Wang Ning'an's mind.

……

After returning from the palace, Wang Ningan set out to let the following study the matter of the benchmark interest.

Then I called those few sworn friends and henchmen, and told everyone about the situation, these people were overjoyed, if the loan interest was also suppressed, the annual interest rate reached about 10%, they invested in the real estate around Fanlou, set up a commercial center, the cost of capital fell, and the profit rose sharply!

"Erlang, you're so interesting, this is helping us from the root!" Pan Su and the others were overjoyed, dancing, and the big guys said goodbye one after another, and went to persuade their families to increase investment and enjoy the gluttonous feast.

However, Cao Tong stayed, and only after everyone left, did he say to Wang Ningan: "Erlang, are your recent actions too big?" ”

Wang Ningan sighed, "It's indeed a bit big, but I finally suppressed the civilian clique, without their constraints, if I don't hurry up, I'm worried that the opportunity will be gone in the future." ”

Cao Tong nodded, "Of course I understand this, but those who oppose us may not be just civil officials." ”

Wang Ningan showed a thoughtful expression and said with a smile: "Uncle Guo, if you have anything to say, you don't have to keep it, just say it." ”

"Okay, I'll just say it." Cao Tong said: "I heard that someone has recently offered a bounty, 1 million yuan for your head. ”

Wang Ningan was stunned for a moment, then touched his head and said with a smile: "I didn't expect it, my head is quite valuable." After laughing, Wang Ningan's face suddenly became grim.

"Uncle Guo, do you know who paid for it?"

"You know, it's Sanssouci Cave!"

Cao Tong said honestly: "Erlang, let's get food delivery, logistics, transportation, distribution, loading and unloading...... Originally, it was all a business in Sanssouci Cave, and it was inevitable that they would fight back. ”

Wang Ning'an frowned, "Uncle Guo, what do you mean, do you have to compromise with Sanssouci Cave?" ”

"No, no, no." Cao Tong hurriedly said: "I want to remind Erlang to be careful, there are more than 100,000 people in Sanssouci Cave, which should not be underestimated!" ”