"Your Majesty, I have one thing that I hope to be able to talk to the emperor alone. This matter www.biquge.info is very important, and I also asked the emperor to listen to the ministers alone in the Liangyi Palace. Shi Bufan said.

Li Shimin heard Shi Bufan's words and said, "Okay, Shi Bufan, you come with me." ”

Shi Bufan followed Li Shimin's footsteps again to the Liangyi Hall of the harem, and after Li Shimin sat down, he said, "What do you have to say?" ”

"Your Majesty, the minister hopes that you will order that the people's mutual medical aid funds should not be managed by the local government. I hope that you can order the people to deposit this money into the money banks under our Datang Money Federation, so that all the money banks under our Datang Money Village Federation will be paid locally. And these money associations will use this money to make some low-risk and low-return investments, although the income is relatively low, but it is better than insurance, and although the income is relatively low, it cannot stand a large amount, and can help more people. And this Datang Money Village Federation is led by Qin's Money Village, and Miss Qin serves as the chairman of the Datang Money Village Federation. Shi Bufan said.

Li Shimin's face darkened again, and he asked, "What do you mean by this?" This is the money of all the people, you actually want a private person to keep it, not by the court, what do you mean by this? Do you know how important this money is? It's the people's life-saving money, shouldn't it be managed by the imperial court? What's more, what is your intention for asking for so much money? Now what is the relationship between you and Qin Jiarui, the female owner of Qin's money house, who doesn't know in Chang'an. What do you mean by that? ”

"Your Majesty, it is precisely because it is the people's life-saving money that I can't let the imperial court manage it." Shi Bufan replied instead.

"You-" Li Shimin suddenly became angry, this Shi Bufan really didn't give him face!

Shi Bufan then explained: "Your Majesty, you want the imperial court to manage it, but you don't look at the local officials, who they are. What is their background, and what are the consequences of letting them manage the money? ”

Li Shimin suddenly felt a chill down his spine, because he suddenly realized that the influence of those scholars in the local area was very great, and although the local officials at the county level were mainly from poor families. However, the history of the state assassins is dominated by the scholars, and the local officials are deeply affected by the scholars, will they embezzle the funds? Li Shimin wants this medical mutual assistance, so he hopes that the people will not despair, and will not be desperate because of illness and have to sell land. So, of course, this policy has to be implemented, but if it is managed by local officials, it is very scary. Local officials are susceptible to the influence of the local gentry, and if they deliberately embezzle the funds, or even refuse to reimburse them when they should be, the people will still be desperate.

If you don't give reimbursement, there are too many such excuses, so why don't you want to add to the crime? Therefore, if local officials are left to manage, it is difficult to ensure that those local officials will not embezzle and embezzle under the influence of the nobles. Once embezzlement and embezzlement, the people will not only not benefit from it, but will also bear an additional "harsh taxes and miscellaneous taxes".

This is not only not the "benevolent government" of the imperial court, but the evil government that harms the people.

This is so terrible that Li Shimin also has a chill down his spine.

"Your Majesty, since ancient times, the good policies of the central government have been distorted by people in those places, are there still few?" Shi Bufan emphasized again.

Shi Bufan knows very well why many reforms have failed in the end? Because although the central government issued the order, the local officials did not implement it, or even deliberately misinterpreted it, so they would definitely have problems. Therefore, Shi Bufan knows that in management, decision-making and execution are two equally important things. If a decision is not implemented, it will inevitably kill people, so there is no such thing as who is higher and who is lower. If a collective execution fails, all the decisions they want will be wasted. Wang Anshi's reforms, Fan Zhongyan's changes, and Zhang Juzheng's changes are all difficult to continue, and if the executive level fails to do a good job, they will all cause people to die and respend.

Even when good policies arrive in the localities, they are distorted by those localities, and the consequences are unimaginable. Good policies have become harsh policies that harm the people, and there are definitely not a few, and even many of them are like this. So if you let the low-cost officials keep it, isn't that your own death? Leaving the local officials to keep it will not only fail to play its due role, but may increase the burden on the people and make them even more miserable.

Li Shimin obviously realized that the local officials were unreliable in this regard, so he took the initiative to ask: "Can your Qin family's money bank expand so much?" ”

"Your Majesty, of course it is impossible for the Qin family to expand so much, we have formed a federation of money banks. The Federation of Money Banks is a way to coordinate the interests of various money banks, and in the future, they will develop together in a coordinated manner, so that there will be no vicious competition. Even after joining our money federation soon, we can deposit and exchange, and then strive to better serve the people and the court. ”

"It is also good for the imperial court, if the imperial court wants to allocate funds in the past, it will naturally have to transport copper coins over long distances. But this transportation is very expensive, often hundreds or thousands of people. But with this nationwide deposit and exchange bank, it is much simpler. As long as the imperial court appropriation is not surprisingly huge, it can be deposited in any of the money banks in the capital that have joined this money union. Then, with the token he gave, he sent a cadre to go over directly and quickly, so that he could take it out at any time when he arrived at the local bank. In this way, not only is it much faster for one person to transport, but it is also safer. Light car Jane, who would know that he has such a token on him. Even we have divided a lot of anti-counterfeiting secrets inside the token, which can ensure the safety of wealth. This not only avoids the transportation cost of hundreds or thousands of people, but also disburses many times faster! ”

"As long as the imperial court wants to provide disaster relief, there is no need to allocate funds from Chang'an, and people can directly bring tokens over quickly, and the local money bank can immediately withdraw money and solve the purchase of disaster relief materials on the spot."

When Li Shimin heard this, he immediately drew inferences from one case and said: "What do you mean is that if the imperial court distributes military salaries in the border areas in the future, then there is no need to allocate funds from the imperial court, and it will be directly deposited into the semicolon of Chang'an, and then a cadre will go to the local area quickly, directly take out the money from the local area, and immediately distribute the military expenses?" ”

"Yes!" Shi Bufan said.

During the Tang Dynasty, although the vast majority of soldiers implemented the government military system and did not have military salaries, some of the troops had long-term "subsidies". This part of the army is the North Gate Tun Army, as well as the army of the frontier. The armies of the frontier are long-term service, not only tax-free, but even have a lot of subsidies.

However, in the past, subsidies were also issued by local generals, which could easily cause local generals to have too much influence. The soldiers in ancient times had no national righteousness, no loyalty and patriotism, they were mothers if they had milk. When the government military system was implemented, the emperor gave them land, and they were naturally loyal to the emperor. However, when the Juntian system collapsed, and the military system built on the Juntian system collapsed, they implemented a conscription system, so that they could betray the emperor at any time. Because the money was given to them by the local generals, and the imperial court also gave it to the local generals through this method, and then the generals paid their salaries. This will make the local soldiers mistakenly think that it is the generals who pay the military salary, and they have little affection for the imperial court.

"Your Majesty, this can strengthen the position of the central court in the hearts of the frontier soldiers, and let them know that the imperial court directly issued military salaries to them. The emperor can send a small number of civil officials, and then send some soldiers to protect the civil officials, so that when they go to the local area, they can directly take out the money and pay the military salary. In this way, the soldiers knew that it was the central court that was feeding them, not the generals. In this way, the central court will directly distribute the military salary to the soldiers, and even let the soldiers deposit them into the account of the Qianzhuang Federation. Because it is impossible for every soldier to use money at the same time, saving it for them is tantamount to avoiding them from spending it casually. ”

And this money can also flow back to the hands of the imperial court to a certain extent, because these soldiers will not spend it at any time, and the imperial court is tantamount to moving the money from one warehouse to another. If the military salary is paid directly, then the imperial court will definitely lose this wealth. However, if there is a bank, the court can often make short-term loans with the bank, and we can even waive the interest on the short-term loan. In this way, the court will be more flexible when using money, so that it will not be unable to come up with money to stabilize people's hearts when necessary! Shi Bufan said.

Li Shimin's eyes are even brighter, and this is a good way. Because often the collapse of a regime begins with a financial collapse. Historically, the vast majority of countries have fallen with fiscal collapse. At the end of the Eastern Han Dynasty, the central government did not have enough financial resources to organize an army to suppress the Yellow Turban Uprising, and finally had to authorize Haoqiang to form an army to suppress it, which opened the beginning of the local powerful faction to support the army and respect itself, and finally the Han Dynasty perished. Don't look at money, it doesn't seem to be the main thing for a regime, too many people see that the root of maintaining power is the army, but the army needs money to maintain it.

Only with wealth can the country not collapse. Too many regimes fail to come up with money at critical times, which is why they have collapsed. There are too many examples of this, the Ming Dynasty, the Qing Dynasty, and the early Republic of China, all of which are like this, no money! But when the wealth was distributed to the soldiers, the soldiers were a net loss to the court. If the soldiers get the money and deposit it in the bank, then the court can borrow it temporarily from the bank at any time. Because it is impossible for all soldiers to receive these salaries at the same time, there is enough room for movement and an opportunity to tear down the east wall and make up the west wall.

Therefore, this deposit and exchange can be said to be a very important means. In fact, money has not been displaced, but it has played a great effect for no reason, and the resulting stability of the country is definitely an immeasurable benefit. Li Shimin is not a fool, he can naturally see the importance of this financial management.

Li Shimin knows that Shi Bufan is good at financial management, which is the reason why he attaches importance to it and does not object.

"You money federation, I want to send someone to take over!" Li Shimin said politely.

"Your Majesty, I don't agree!" Shi Bufan said again.

Li Shimin emphasized: "If I don't personally manage this money association, I don't feel at ease!" ”

"Your Majesty, you don't worry, but I don't worry about the people you sent. Because what if he is forced to embezzle funds everywhere in order to curry favor with the emperor at that time? These funds are not yours of the emperor, let alone the imperial court. Even if the imperial court is only temporarily borrowed, if the imperial court is allowed to manage it personally, will they be forced to take it out and spend it indiscriminately? At that time, being generous to others was also doomed to problems. Your Majesty, can you guarantee that the person you sent is reliable? Even if it is reliable in your eyes, but he will not be responsible for those depositors who save money, at that time, how to protect the money of those depositors? Because his power comes from you, he is naturally responsible to you, not to the depositors. So at that time, there was a lot of misappropriation of depositors' money to waste on you, so what can you say? When the time comes, a large number of depositors will lose their money, and the consequences will be even more serious. ”

"Your Majesty, to be honest, I can't trust those bureaucrats to manage this kind of commercial industry. Look at these shepherds, what are they like? If I hadn't proposed to them this method of buying rather than renting, where would there be such a good thing now? Shi Bufan asked rhetorically.

Li Shimin was speechless again, because the major official ranches near Chang'an in the Tang Dynasty have also adopted this method of "renting" horses. Because several Gyeonggi counties near Chang'an have adopted reforms and adopted the cooperative model, which requires a lot of horses to cultivate the land. When the horses in these major pastures can be rented, by renting out these horses, the sister pastor near Chang'an has made a lot of money, which can be used to feed those war horses. If it was in the past, how could those bureaucrats and shepherds think of this solution, these horses are not the wealth of the court, but a burden.

A large number of people who want to use horses cannot use it, and there are also many horses that can be used to waste this kind of labor so hungry and full, this is a waste! Bureaucrats are indeed not suitable for this kind of business operation, and Li Shimin cannot deny it.

"So if the emperor sends someone to manage it directly, then there will be a problem. Not only can he embezzle a large amount of funds at will, because he does not need to be responsible for the safety of depositors' funds, it only needs to be responsible for the emperor, and he will be completely generous to others to waste. On the other hand, he is not good at business, and he can't generate more money from this money, but it will be wasted and will inevitably collapse in the end. When the time comes, he sells us and the wealth of a large number of depositors suffers, doesn't he force those depositors to rebel at that time? So I will never agree with the emperor to send someone to manage it, and let the business itself solve the business affairs. If you have to send someone to manage it directly, you're just going to end up making things worse. Shi Bufan said.

Li Shimin paced back and forth, obviously putting such a large amount of financial resources here, and if he was not directly controlled, there would definitely be problems. However, Li Shimin is also a relatively smart person, and he will not be unable to communicate like ordinary emperors. If it was an ordinary emperor who didn't say a word, he wouldn't say much about Shi Bufan at all, and directly sent someone to take over. However, Li Shimin is also smarter, and he knows that some things cannot be done hard, and he still pays attention to ways and means. So much money must be supervised by the imperial court, otherwise such a large amount of wealth will definitely have an important impact on the national security of the Tang Dynasty. (To be continued.) )