"By the way, I asked you to mark all the places you went to on the voyage, where there were supplies, and where there was a lack of goods, so that the caravan could use them, did you mark them?" Thinking of what he had explained before leaving, Zhao Xun asked with a smile.

Although there are still a lot of them, no one has systematically left information on maritime trade routes. Zhao Xun marked it down, so that the maritime merchants who went after him could prepare in advance.

Zhang Yunqi took out a booklet and said with a smile: "We have done a good job in this matter, and the Department of Commerce has also done its best to help, this is the printed overview of the maritime chronicle."

"Okay, in this way, the rest of the caravan can also have the most basic preparations." Zhao Xun smiled and took the booklet in Zhang Yunqi's hand.

Flipping it open, it is now a trip to the South Seas, South Asia, and even East Africa. Of course, many places that have not been personally experienced are recorded by listening to the words of other maritime merchants, and in this case, there are also words that have not been seen in person and are to be investigated.

There are all sorts of precautions on the marked routes, followed by special descriptions of how to fight storms and whirlpools, and even the places where sharks often hang out, there are detailed notes. There is also a rough description of the local customs, its preferences, taboos, and detailed descriptions, as well as marking what goods are more popular.

"It's very popular, it will be printed by the Department of Commerce and sold to maritime merchants, and you will also have your share." Zhao Xun took a cursory look and decided.

Zhao Xun believes that this kind of thing will be welcomed by maritime merchants. Those who run ocean trade know that time is a business opportunity, and the first to control will always be better than the last. Besides, if there is a problem in some details, it will not be a little money to get by, and if you don't do it, you will lose your life.

In the coastal areas of Qingzhou and Youzhou, there are still a lot of maritime merchants, and the number of people who travel to and from Yizhou, the Silla Peninsula and the sea in the south is still very large. Since the profits of sea trade are not small, they were previously under the control of the Department of Commerce, but now Zhao Xun is ready to divide them separately, not for anything else, but to be more responsible for this matter.

After discussing with Situ Liang, Yang Wangqing, Liu Wenqi, Pei Yi, Lu Ziliang, Yang Wangzhen and others, it was decided to set up another department to be responsible for maritime trade management. The name is the Sea Trade Division, which is the same as the City Shipping Division of the Tang Dynasty, responsible for the affairs of the sea trade of Tibetan goods. Its responsibilities include: inspecting incoming cargo; Tax; buying, selling, keeping and transporting monopoly goods and other cargoes; Issuing Trade Receipts ...... Its functions are equivalent to those of modern customs.

After half a year, Huitong Money Village was also spread all over the rule of Xiaoguo Army, becoming a deposit similar to a bank. Coins and stamps have also become the world's circulating goods, replacing the previous gold and silver items.

"It's not enough to just absorb and save money, you also have to lend money, and the money can be used to be money. If it is only stored in the money bank, what is the difference between it and ordinary people's homes? After hearing about the current business status of Qian Zhuang, he couldn't help but say.

"Lending, we are lending, we have lent money to the government to repair the river. Besides, we issue so many bonds, and when the time comes, it's all a problem. Hu Yi, director of the Finance Department, frowned and said.

Zhao Xun shook his head and said: "Where are you lending to the government, it is simply the government using the money in the money bank for free." The money of the banker and the money deposited in the bank by the Department of Taxation are two different things. ”

After a pause, Zhao Xun explained with a wry smile: "The money deposited in the money village by the Finance Department is the money of the government, which is equivalent to the treasury of the household department of the imperial court. However, the money absorbed by the money village itself is a means of operation of the money village and is temporarily borrowed. Qianzhuang is not owned by the government, but is an institution like a shop, but an institution under the supervision of the government. ”

"The government can use the money deposited by your finance department in accordance with the rules, but the money absorbed by the money bank cannot be transferred without compensation. Let's put it this way, we issue bonds, the rich buy them, and when they mature, we have to pay back the associated interest plus the principal. When you use the money of the bank, you should also give a certain amount of interest without affecting the operation of the bank, so that the bank is also a special big household. ”

After a detailed explanation, Zhao Xun made it clear that the money bank and the finance department were separated. Zhao Xun is either afraid of anything else, or afraid that they will transfer money without a plan. The money of this bank is different from the money of the Finance Department, which is obtained through taxes, and the full amount is official money. But the money of the bank, although it is in the bank, is essentially someone else's. You're just a storage place.

Why are the common people, rich businessmen, willing to put their money in the bank? It's not security yet, but it's more about credibility. If you can save and withdraw, if you can only save, there will be a lot of things when you go, will anyone save money?

I think that at the beginning, when the money bank was established, it did not establish a reputation, except for the Metropolitan Governor's Office and some officials and their officials who deposited their money in the money bank, there would be people there who were really willing? Even if it is an official under his command, I am afraid that he will not be able to bear the face. But now, it is all over the rule of the Xiaoguo Army and has been widely recognized by the people. Even those big businessmen also deposited their money in the money bank, and exchanged the money tickets in other places. As a result, the money tickets in many places are now equivalent to actual money. In particular, the kind of money tickets that only look at the ticket number and do not keep the name in the list have basically become a large amount of circulation.

"The staff at all levels in the money bank will be transferred in rotation according to a certain number, and at the same time, the verification will be strengthened, I don't want anything wrong in the money bank." At the end, Zhao Xun emphasized again.

"The intention of the lord is to lend money to the people in the same way as usury?"

"Yes, who dares to say that he doesn't have a tribulation, there will always be a time when you need money and you don't have it around. The money of this bank is not only through the government and those big merchants, we need to spread it. Even ordinary people have to take it into account, for example, in the event of a natural disaster, people can borrow money to save themselves, and they can repay it when due, of course, interest is still needed. It's just that the interest we set is far less than that of usury. ”

If according to Zhao Xun's words, then the government has given a great burden, so that the government only needs to distribute the land to the people for reclamation, and there is no need to provide them with what they need. Of course, the government also has to repay the materials provided. It's just that now that there is a rich village to replace it, the people can not only rely on the busy government officials, but also make their own arrangements, which can greatly alleviate the temporary financial pressure borne by the government. After all, the government can't afford to overwhelm everything at any time.

For another example, if there is a money village in Shanyang Mansion and a money village with unified planning, then, according to Zhao Xun's idea, the financial pressure of "rehousing displaced people and reclaiming grain fields" will actually be transferred to the head of "Qian Zhuang"; Of course, the bank charges a certain amount of interest as compensation. This repayment will naturally come after the people have reaped something.

The money bank lent money to the displaced households, so that the displaced people could get the most basic rations, seeds, and necessary tools to reclaim the wasteland in these places. First, it can increase the cultivated area of counties and increase local money and grain income; second, it can resettle these displaced people and resolve the hidden dangers of insecurity; Third, after the displaced people can obtain the harvest, they will return the principal and interest, and the money bank can profit from it.

Of course, how to lend money, and how to ensure that it can be recovered smoothly after being released, these are all things that need to be considered in detail. Under the rule of the Xiaoguo army, it was okay, at least the people would not run around, they could get the land, and all kinds of miscellaneous taxes were exempted. If it is somewhere else, who dares to guarantee that these homeless people will take the money and will not slip away directly? The displaced people are not orthodox people, they are all homeless people, and if they are not handled well, they will also lose their money. As for these, it's not something to think about now.

"However, if it is released to the people, how can it be guaranteed that there will be profits?" Cao Bin, the former governor of Qingzhou and the current military envoy, frowned and said. He doesn't know much about government affairs, but he also knows what the money bank relies on. Moreover, he is now gradually beginning to integrate into the Xiaoguo Army, and he is starting to worry about the Xiaoguo Army.

In the council hall, Hu Yi replied excitedly: "Only if the wasteland is reclaimed and there is a harvest, the displaced people will naturally have the ability to return the money and pay the interest on the money." At the same time, as far as the localities are concerned, when wasteland is reclaimed, the number of households and grain fields increases, and the tax and grain will naturally increase. Even if some of the money released will not be recovered in the end, according to the lord, the free local government will actually be very limited in the loss of additional subsidies to the bank, accounting for a very small proportion, after all, no one wants to flow for such a small amount of money. In this way, it is a good government to run a money bank to lend money to the homeless! Hehe, I just found out now that usury is also a great act of goodness! ”

Originally, I thought it was a loan shark, lending money to large households and people who were in temporary difficulty, but when he heard Zhao Xun say this, Hu Yi's mind suddenly became active, as if his eyes were suddenly transparent.

Yang Wangzhen said: "If we organize the displaced people into households, and have a unified chief and a chief, and directly purchase the materials needed, and these chiefs and chiefs are their own people, have family members here, and even arrange some locals, then we can also reduce some troubles." Now my Jizhou and Qingzhou are still receiving displaced people, so let's try it like this, let the Supervision Department supervise from the side, and let the government do a good job of coping with it. ”

Zhao Xun nodded and said: "It's so good, it's better to say it well, it's better to do it well." No matter how good a theory is, it must be proved by practice. ”

"Okay, the matter of Qianzhuang can only be done step by step for the time being, let's see the actual effect first. By the way, there is a problem with the Northern Zhuhu again? ”

Situ Liang said in a deep voice: "This is not true, because of the establishment of Dingzhou, now, Youbei Sanhu is already under the siege of our army. To the northwest is the Murowei people, to the south is the land of the three provinces in the northeast, and to the west is Dingzhou. Although the Turks in the north of Bingzhou are wreaking havoc in the northern part of Bingzhou, they have not yet entered the territory of our army. ”

"We didn't confront the Turks in the west, and the Sanhu in the northern part of the country naturally didn't dare to come nonsense. The problem now is that the Beihai Tribes, that is, General Li Muzhi, the head of the Beihai camp. "Because Zhao Xun called himself the governor of the capital, the Beihai Metropolitan Protectorate was also revoked and changed to the Beihai camp. Li Muzhi, the former governor of the Beihai Metropolitan Protectorate, was also reappointed as the head of the Beihai camp and marching, coordinating the military affairs of the Beihai departments.

"The North Sea Tribes? The Beihai tribes have been split in two, and now they still have the energy to make trouble? Zhao Xun couldn't help but ask sideways, and he was also a little surprised by this. In the past, when Zhao Xun rose, he stepped on the Beihai tribes, that is, the king of the North Sea. Now that the King of Beihai has been suppressed by another ministry and Li Muzhi, he can't get up, how can he still have the energy to make trouble?

Situ Liang said with a smile: "It's not that they want to be restless, it's just that we divided the grassland where the original Khitan people were located into the five prefectures of Beiding, and now after it was reorganized into Dingzhou, we moved into the Han people in a big way, and at the same time granted the Khitan people Han status." Nowadays, the living standards of these Khitan people are much better than before. ”

"Although we did not force all Khitans to change their Han names and household registrations, many ordinary herdsmen, especially those private slaves who had been freed from the leaders of various tribes, joined the Han nationality one after another and enjoyed some preferential treatment in terms of work and officials. Even the Khitans, who have not changed their household registration, are still better off than before, after all, they no longer have to worry about salt, food, heating, trading, and wintering. Therefore, the Beihai tribes, which were originally suppressed by the king of the Beihai Sea, have the intention to move closer to us, and the intention of the tribes is also to follow the Khitan people, divide them into Han land, and become Han nationality. ”

Zhao Xun understood as soon as he heard it, and said: "The King of Beihai disagrees, and you are also worried that the Liaodong Kingdom and the Su Mo Yan Sect have doubts. Of course, the leaders of these tribes are also unwilling, right? ”

Situ nodded and said, "That's true!" It is good to receive it, and it is good not to receive it. This matter needs to be decided by the lord. ”

"What is your building?" Zhao Xun did not answer directly, but asked.

Situ Liang said in a deep voice: "Both the Secretary for Administration and the Secretary for Military Affairs mean that they can be taken, but because of the war in the land of Yanzhou, it will not be so big, so ...... It's hard to say now. ”

Zhao Xun understood what the other party meant, once he wanted to accept half of the territory and population of the Beihai tribes, it was not a simple matter, not to mention all the complicated aftermaths, but also to use force to solve those chiefs of the various tribes, and to prevent the actions of the king of the Beihai, and even to prevent the abnormal reactions of the Liaodong Kingdom and the Su Mo Yan tribe. After all, the Xiaoguo Army has now swallowed half of one of the three parts silently, and it would be strange if they could still sit like a mountain. If the focus had not been on dredging the river, the Xiaoguo army would have been able to fight on both the north and south fronts. But now, the Xiaoguo army is not able to move troops in a big way, especially after accepting half of the Beihai tribes, and it has to undertake complicated local arrangements.

It just so happens that now the land of Yanzhou is just starting out in the war, and it seems that Situ Lei and Murong Cheng are involved in it. The civil and military forces under the Governor's Mansion also understood that Zhao Xun still had the idea of the land of Yanzhou and wanted to open a gap south of the Yellow River. Moreover, the Heishui Jin Tribe, which is north of the Liaodong Army, is also an enemy, and if it is not good, the Xiaoguo Army will be involved in the northern line, and there will be no time to look south to the south.

After pondering for a moment, Zhao Xun said in a deep voice: "Those who are willing to be included in my Xiaoguo army system are ordinary herdsmen. Or are they slaves? What was the reaction of the leaders and generals of the various departments? ”

Situ Liang said: "Ordinary herdsmen and private slaves of various ministries naturally raised their hands and rejoiced, in addition, some tribal leaders also expressed their willingness to surrender, as for the generals of Beihai, I am afraid that if they really surrender or fight, they will not dare to do anything." After all, the army of the Beihai camp clearly told them what the elite was. ”