It was getting late, and the lights in the Yanhe Hall were lit, as bright as day. Pen "Fun" Pavilion www.biquge.info

Ordered to give a seat and let Cheng Lin sit, Zhao Zhen said: "It's dark at night, I don't want to bother the bachelor, but the matter of Jingshi Bank that I talked about today is very important, and it is really difficult for me to sleep peacefully if I don't ask clearly." ――If you don't wear a robe in the middle of the night, don't blame the bachelor. ”

Cheng Lin hurriedly said that he didn't dare to thank him.

Behind Cheng Lin, standing was Zhang Weiji, who was in charge of the Jingshi Bank on behalf of the imperial palace, he was an internal servant, and there was no seat in front of the emperor. At the level of Hanlin Bachelor, it is etiquette for the emperor to summon him, although he can wear civilian clothes in the palace, but he must be neatly robbed. Zhao Zhen was about to rest, but he couldn't sleep so he summoned Cheng Lin, and he wanted to apologize to Cheng Lin without a robe.

After ordering the tea soup, Zhao Zhencai said to Cheng Lin: "During the day, in the Chongzheng Palace, the bachelor said that the Jingshi Bank does not have any money to lend to the outside world now, while the Xijing Bank has plenty of cash. The two banks were opened together, and the capital is the same, but it has only been in the past few months, how can there be such a huge difference? Is this really the case according to the regulations? ”

Cheng Lin knew that he had summoned himself so late, and he must have asked about it, so he made preparations early.

Jingshi Bank is now the money bag of the inner government, collecting money for the emperor, and there is a problem with profitability, and the first one who is anxious is Zhao Zhen. In fact, this is still secondary, what does the emperor use to collect money? Just for the consumption of the palace, there is no need to go to such great lengths, and the real intention is actually to use these financial resources to manipulate the government. In the past, the three divisions had no money in their hands, and took advantage of the opportunity to borrow money from the inner treasury, and the emperor took the opportunity to use whether to approve or not, and how much to approve to affect specific government affairs. Now with Jingshi Bank, he can directly use external lending to influence government affairs, which is the real reason why Zhao Zhen can't sleep.

When discussing in the Chongzheng Palace, Zhao Zhen couldn't turn the corner, and after returning to the dormitory, the more he thought about it, the more wrong it became. Now the loan is used for official projects, or is it an installment loan, and how much and how to lend can directly control these projects.

Once the government affairs of the imperial court are decided, it is very complicated for the emperor to intervene, which is the ancestral family law that has been set since the time of Taizu. At that time, Taizu wanted Wensi Academy to make a steamer, but it was not completed for a long time, so he asked the person in charge and replied that he wanted various procedures, and it would take many days just to go through the process. Taizu was unhappy, and Zhao Pu replied to him that these rules were not set up for him, they were used to restrict his descendants, and he couldn't do whatever he wanted in government. The core of governance set by Taizu Taizong is "to prevent things and to control them", there is a system for everything, and those who are responsible for doing things must contain each other, and this rule also includes limiting the power of the emperor.

In the two dynasties of Taizong and Zhenzong, the scale of the inner treasury became larger and larger, not that the emperor needed more places to use money, but that the system was becoming more and more strict, and the emperor needed a means to bypass the system and directly control the government. Through the establishment of Jingshi Bank, Xu Ping put this method into the hands of Zhao Zhen, he will not use it himself, so who is to blame?

Originally, Zhao Zhen wanted to ask Xu Ping to ask, but after thinking about it, he still summoned Cheng Lin. It's not that he can't trust Xu Ping, but because of his identity, Xu Ping is in charge of the three divisions, and he is in charge of the money and grain of the foreign dynasty, even if he is unintentional, he will accidentally let Zhao Zhen go. In the end, the Hanlin scholar was nominally a minister, and the emperor had an advisor by his side, and he had no stake. And Cheng Lin is a rare financial manager, who has been in charge of the three divisions for many years, and now he is in charge of the money supervisor, there should be nothing he hasn't figured out.

Seeing Zhao Zhen looking at him with blank eyes, Cheng Lin took out a booklet from his sleeve and presented it to Zhao Zhen with both hands: "Your Majesty, this is the regulation set when the bank was established, and Your Majesty personally set it." Please take a look. ”

Zhao Zhen took the booklet and put it aside: "When I have time, I will look at it carefully, and now the matter is urgent, I still ask the bachelor to analyze the benefits and disadvantages." What is the reason for this step in the field today? ”

Zhao Zhen personally agreed to this booklet at that time, but he was a little confused about what the terms in it were for. Zhongshu has agreed, and Zhao Zhen has also convened people to discuss it a few times, but he still doesn't understand, Zhongshu is urging it to be sent every day, how can he not agree?

Cheng Lin said: "Jingshi Bank and Xijing Bank were established at the same time, with the same capital and the same things. It's not necessarily that they don't have to do things, but they still have some ignorance about how to do things in the bank. The person in charge of Xijing Bank is Yang Xu, who was originally the deputy envoy of Jingxi Road, and under Xu Zhiyi, he met Qian Zhuang how to do it on Jingxi Road, and he did things in a disciplined manner. The officials who work below Xijing Bank have been immersed in Jingxi Road for a long time, and they are used to seeing this kind of thing, and they all know clearly what to do and what not to do. On the other hand, this is not the case with Jingshi Bank, Zheng Zhizhi, who is in charge, is not very clear about how the bank does things, and most of the people in charge below are past chamberlains in the palace, and Zheng Zhizhi can't be restrained. The slack minister said bluntly, Your Majesty, the chamberlains are short-sighted, and they do a lot of harm. ”

Zhao Zhen couldn't help but look up at Zhang Weiji standing behind Cheng Lin, his face was a little displeased. Zhang Weiji said that he couldn't restrain those servants who were doing things, and when it came to this situation, it really had little to do with him.

Cheng Lin said: "Your Majesty, Weichen has also heard about the affairs of Jingshi Bank, and it has nothing to do with Pavilion Director Zhang. Pavilion Chief Zhang often asks the people below to be cautious, but the people who do things often pretend to be holy decrees, who has the way? ”

Zhao Zhen pretended not to hear this, there must be a holy decree, but there are also many of them that Zhao Zhen himself intervened to let the attendants do, and now it is not clear at all. If you know what's wrong, you'll be more restrained in the future. Since Jingshi Bank can be a means of influencing the government, Zhao Zhen will still have to intervene from time to time in the future, and now he can only pretend to be confused.

Cheng Lin only revealed these words, and continued: "Yi Weichen looked at Jingshi Bank, and he fell to this step today, first, the people who do things are too eager to make profits and lose their caution. In the middle of summer, because there was a large amount of money that could not be loaned out, there was no interest income, and the people of Beijing saved money to come in, and there were constantly interest expenses in the account. At that time, I just wanted to quickly lend out the money in my hand so that I could sit and collect interest. As a result, the people who went to the bank to borrow money were not strictly investigated, and when the Audit Division found that something was wrong and wanted to investigate strictly, it deliberately shielded those people, resulting in the Audit Department not being able to find out clearly. Now the money in my hand has been released, but where the money goes, I am afraid that the people who do things in the bank have no bottom in their hearts. Why did the money supervisor collect the scale of the money released by the Jingshi Bank? Because it can be seen from the account alone, some of the companies that borrow money from there borrow new money to repay the interest, so the risk is extremely high. The risk of banks lending to foreign countries is greater, and according to the regulations, the money regulator has to reduce the amount of money they lend. ”

Zhao Zhen only sighed in his heart, the hellish regulations, at that time, I only thought that Xu Ping had told him a few times, and the set was extremely strict, and the bank would be severely punished once it did not follow the rules. Where would you have thought that it was your own money that would be severely punished. At that time, if I had known that there would be today, I would never have let things be so serious, be reasonable, and people always have to learn new things.

Cheng Lin said again: "The second thing that Jingshi Bank did wrong was that a few months have passed, and the people below are still not familiar with the regulations. It's no wonder that others do it, how can they do this business if they are not familiar with the regulations? Every few days, the officials of the three divisions of the bank were asked to study the regulations, and the rules were set in great detail. In the same few months, the Sansi Bank lent money to the yamen, and it was said that something was more likely to happen, but they were doing well. ”

Zhao Zhen was silent for a while before he said: "The matter has come to this point, it is useless to say more." Only when this matter is over, some people will be transferred from the Third Division Bank to make the Jingshi Bank no longer so chaotic. Bachelor, what should we do if we want to make Jingshi Bank not lose the opportunity to release money for the project we do? Is there a workaround? ”

Cheng Lin hesitated for a moment, but still said: "It's not that there is no way, it's just that the officials who can do things need some means." ”

Zhao Zhen looked at Zhang Weiji again and said to Cheng Lin: "Just say that there is always someone to do something." ”

"The minister has learned about the loans issued by the Jingshi Bank, and the people who do things are all wrong, but there is one thing that is right, that is, most of the loans are short-term loans, and the length is not more than six months. As long as the loan to the company of unknown origin is cut off immediately and the money is quickly recovered, it is still possible to make up the money to lend to the front of the project. Later, as long as you don't lend money to these people, you can slowly get back the people who lent out the money, and you can still make up the money you lent to the project. However, in this way, Jingshi Bank will have a hard time. The risk of chaos before must be paid a price before it can be slowly digested. ”

Zhao Zhen thought about it and nodded: "If it's just like this, it's not difficult to do." ”

Cheng Lin shook his head slightly: "It's not difficult to do when you think about it, but a lot of the money released by Jingshi Bank before is at risk of not being recovered." If not, why would the money supervisor take the amount of money they lend? What the ministers are afraid of is that a large number of loans issued will not be recovered, causing turmoil in the capital. ”

There is another point that Cheng Lin did not say, according to the vague flow of the loans of the Jingshi Bank that everyone sorted out, many of them flowed into the hands of princes and nobles and officers of the forbidden army, these people are not active, but they are afraid that there will be a turmoil.

It was impossible for Zhao Zhen to invalidate the card of manipulating the government in his hand, and said to Zhang Weiji: "What Master Cheng said just now is very reasonable, have you heard it clearly?" ”

Zhang Weiji Shili: "The little ones can hear clearly." ”

"Okay, after you go back, start preparing immediately, and do as Master Cheng said. If any of your subordinates dares to disobey the order, you will report it to me, and you will be punished. You have lent money to foreign countries at a good rate, and you must also receive money at a good rate, and do not cause trouble! ”

Zhang Weiji agreed, feeling a little worried. It is still possible to collect money and make a profit, but it seems a little difficult not to cause trouble.