Shi Bufan looked at those guys who were like "a waste cat", and kept snickering in his heart. Pen ~ fun ~ Pavilion www.biquge.info these guys really fell for Shi Bufan's routine, Shi Bufan can be said to be both an athlete and a referee in this budget committee, Liu Renliang is trying to ask for money outside, and even Shi Bufan helps to make fake accounts. These ancient account offices are too backward, and they can't see the fake accounts made by Shi Bufan at all. The level of fake accounts in these ancient accounts is too unprofessional, and Shi Bufan, an economist of later generations, is more than a thousand years ahead of them in making fake accounts!

That's why Shi Bufan doesn't absolutely trust data, because he knows that anyone who is even a little bit more proficient in accounting or statistics will understand that it's very easy to create fake data. You don't even need any fake data, just get some real data, but you can change the concept and you can get some data that looks very good. But these data, however, are of little use. It's up to you to change concepts and deliberately ignore the data that doesn't work against you. But even if you check it, the data is true. Therefore, Shi Bufan will not completely believe the data recorded in history, including the prices of ancient times. In ancient times, prices did not explain anything, because there were too many factors affecting prices, which did not mean that low prices meant happiness. If the price is low due to excessive deflation, then it is better not to have this low price!

Then everyone began to report the budget, but they were all found out by Shi Bufan, an economist, who made them cry and faint in the toilet, and had to cut the budget of their own department. In the end, after being confined for a whole day, the umbrellas were finally discussed and completed, and next year's Datang fiscal revenue and expenditure budget was also prepared accordingly. Shi Bufan also took advantage of the night to come to the Datang Money Village Federation.

"Husband, at present, the Datang Money Village Federation has expanded rapidly. From more than 30 legal persons in the past, and now there are legal persons formed in other places, we have established a branch of the Qianzhuang Federation in Luoyang. We have also started to prepare for chapters in various parts of Datang as needed. Even the enthusiasm of the local money village temple quality bank and so on to join our money bank association is very high, and almost many people want to join. However, we strictly review the credibility, and the audit standards are becoming more and more stringent, and we will not let people join easily. Qin Jiarui said.

Shi Bufan knew that in the past year, the Datang Money Village Federation has begun to expand rapidly under the huge financial resources and excellent organizational system. Even in Luoyang, the distribution center of the world's transportation, a branch was established, absorbing local Qianzhuang temples, Taoist temples, and other people to join, and even helping the local Qianzhuang temples, Taoist temples, and other quality warehouses to change their business methods, from the past usury method to absorb deposits, and then lend to operate. This method is low-cost and the interest rate of the loan is lower. In the past, usury had a bad reputation, and it was easy to generate bad debts and bad debts, and there was a result that the money was not returned.

After changing the way of doing business, not only did not lose money, but the business was bigger. Many businessmen who want to start a business and even want to expand their scale have dared to take out loans and dare to take loans to operate, so that their market has not only not shrunk, but has increased a lot. Even this time, it is to take deposits, not to lend with your own money, so the cost is lower.

Qianzhuang temples, Taoist temples, quality banks, etc. all over the country want to join, and this is normal. However, the audit of the Datang Money Village Federation has become more and more strict, and it will not be random at all. Reviewing reputation, credibility, and even various aspects of membership is becoming more and more stringent. Even because of the increasingly strict audit standards, many businessmen know that all the money banks that join the association have a good reputation and a good reputation, which has increased the influence of the Datang Money Village Federation. Datang Money Union is already a brand, a brand that represents credibility.

The major industries under the Datang Qianzhuang Federation cooperate with each other to carry out unified and coordinated distribution, and avoid vicious competition while maintaining a certain degree of competition. So that many members of the money bank have said that they have "found an organization".

"Husband, at present, we already have no less than 400,000 yuan in savings, which is almost worth a year's income of my Tang Dynasty." Qin Jiarui said.

The members of the Datang Money Federation present also smiled, they all had a deposit of no less than 400,000 yuan this time, such a huge deposit, it was worth a year's financial income of Datang. This is definitely a rich country, although the money is not their own, just someone else's deposit, but it also means that they can be embezzled temporarily.

The people who are doing it are all in the financial industry and have a lot of experience in business, which is that control is greater than ownership. It doesn't necessarily matter who owns it, but as long as you're in control, you can make an impact. It doesn't matter if the money doesn't belong to you, so you just have to control it in your own hands. This is like a book may not belong to a person, but as long as the knowledge in the book is learned, it is actually enough, and it is not necessary to find out who owns the book.

"Such a large amount of money, but it is really rich and rivals the country, in the future, our Datang Money Village Federation, then our financial resources will be extremely huge, and we can fully exert our huge influence. Even this deposit will continue to expand, and we must make good use of this money so that we don't lose our depositors' money. Our bank is essentially in debt, and savers are willing to believe that we can afford to pay back, which is a trust in us. Building trust doesn't happen overnight, but it's easy to break it. Once we have lost trust and reputation, it is much more difficult for us to re-establish our reputation. So I hope you can cherish this hard-won reputation and be sure not to mess around. ”

"Even our Datang Money Federation is getting bigger and bigger, and the tasks we are shouldering are getting bigger and bigger. The greater the strength of our Datang Money Federation, the more responsibility we must take. It is necessary to cooperate with our Tang Dynasty government to play the important task of stabilizing the place and stabilizing the imperial court. When necessary, it can provide certain lending support to the imperial court at all levels to help the development of the local government of the imperial court. ”

And the imperial court also attached great importance to it, and specially sent a money supervisor to come over. Zhao Qiang straightened, I'm bothering you these days! Shi Bufan took the initiative to say.

The straight chief named Zhao Qiang nodded at Shi Bufan, this Zhao Qiang was the person sent by Li Shimin to supervise the Datang Qianzhuang Federation. However, although this Zhao Qiang Zhichang was "sent" as a Qian Jian envoy, his real "official" was a direct chief of the palace province, but he was just a seven-rank petty official, not high.

Even next, the Datang Qianzhuang Federation is responsible for collecting taxes from the imperial court, and the imperial court will also send various supervision envoys to various places, so that financial supervision has begun to be institutionalized and systematized, so that the Datang Qianlian seems to be supervised, but in fact it has also been protected by a group of people, and the supervisor has become the protector of the supervised, such a thing is simply common, this is also a strange phenomenon in politics, because the soil for the survival of the supervisor comes from the supervised. Once the supervised person completely disappears, the overseer will also lose the soil for survival, and they will naturally "raise their own respect" in order to survive.

"I'm not here to manage you for the imperial court, but to observe, and generally only major affairs and daily major meetings will be observed, so don't worry!" Zhao Qiang took the initiative to say.

Zhao Qiang's power is actually not great, because Shi Bufan made it very clear to Li Shimin that if this envoy has too much power, it will cause this envoy to choose to embezzle a large amount of depositors' funds to curry favor with the emperor in order to curry favor with Li Shimin, which will definitely not work. Li Shimin is also the kind of emperor who respects objective laws, not the kind of emperor who fools around casually, and understands the truth here. Therefore, Si Bufan proposed to limit the power of the Qian envoy, and Li Shimin agreed.

Even the chairman of the Tang Dynasty Money Federation has the right to go directly to the imperial court to change someone, so that there is a sharp weapon to restrain the Qian Supervisor, if the Qian Supervisor is really messing up, then the chairman has the right to directly let the emperor change one, then he will be embarrassed. Therefore, in many cases, if it is not a major matter, the Qian Supervisor will not speak casually, let alone use the power of "one-vote veto" casually, because both sides have great scruples.

Zhao Qiang doesn't think it's a big deal for this rich country of the Tang Dynasty. Because none of the money belongs to them, it belongs to the depositors across the country, so Zhao Qiang will not be blushing because of this. It is not uncommon for the total amount of money of depositors in the whole country to be more than the annual fiscal revenue of the state, but it is very normal.

Only when the net income of a certain merchant in a year is higher than that of the imperial court in a year, that is the terrible time. At present, such a large amount of money, Shi Bufan also proposed that the branch numbers of Qianzhuang in various places can cooperate with the government appropriately and help the government develop the local government, which is beneficial to the Tang Dynasty, so Zhao Qiang will not say anything.

"Okay, today we're going to talk about how we're going to develop a monetary strategy next year. We started to discuss the monetary strategy for next year and what monetary strategy we will use. Shi Bufan said.

Regarding the financial system of the Tang Dynasty, in fact, it is completely fragmented and fragmented at present, and it has not been able to be truly centralized. Datang's financial management system, in which the power to mint money is directly vested in the central government, and even a certain department does not have this power. As for the management of the treasury, it belongs to the Taifu Temple. However, Taifu Temple is seriously biased towards the storage of agricultural grains, and copper coins are very responsible. As for spending money, it belongs to the Ministry of Households and the Budget Committee.

However, Datang also has an important power, that is, the power to formulate monetary policy, but it has fallen into the hands of Shi Bufan and Datang Qianlian. Shi Bufan knew that the ancients were actually very idiots for monetary policy formulation during this time. For monetary policy, they still stay in the coinage power. The Tang Dynasty officials' understanding of monetary policy was that the power to mint money should be vested in the central government, and local officials and various private people could not mint money without authorization. Many dynasties severely punished the unauthorized manufacture of currency.

But in other respects, there is a serious negligence at all, or even no concept at all. They are not at all prepared for what monetary policy to adopt, or even how to control deflation and solve the problem of deflation. Once the ancient government encountered deflation, it often chose to strengthen coinage rather than solve it through policy adjustment. Therefore, the ancient government seriously despised this monetary policy, and even did not have this concept at all, and at present, it is already the fact that the right to formulate monetary policy has fallen into the hands of the Tang Dynasty Money Union, that is, Shi Bufan has indirectly controlled it, and the Tang Dynasty has not really noticed this, and is not too sensitive. They only need to think that the coinage power is in their own hands, so that they can usurp the power to formulate the monetary policy of the Tang Dynasty.

However, of course, it cannot be said that it is "formulating policies", but only "formulating monetary strategies", which avoids the word "government" and avoids the excessive sensitivity of those imperial courts. For this power, the Tang Dynasty court has not found any signs at all, and even seems to "take it for granted" that this Datang Money Federation is just a cooperative organization between peers, and there is no difference between regional or industry chambers of commerce, and almost no one realizes that this Tang Money Federation has some government functions.

Even those businessmen of the Datang Money Union have subconsciously thought that this monetary strategy belongs to their own power.

"Whoever controls the food controls the human race. Whoever controls the currency controls the world. As long as I control the currency, then I sneeze and the whole world will catch a cold. In this way, I have the capital to bargain with the Tang Dynasty government, and I can obtain more stable power. It can even support the economic base of a large political faction, with which wealth can be ensured. Shi Bufan thought.

Shi Bufan does not think that it is normal to pin his wealth and net worth on Li Shimin, Li Shimin's personal character is good, but politics will not be completely determined by character. And even this generation? Li Shimin's generation can be stable, but what about the next generation? And what about the next generation? Can you count on the emperors of future generations - are they all so "benevolent"? There is no real stability in this world, and there is no real stability in this totalitarian era. Only strength, only real strength, can make people scruple and dare not do anything to you.

"Lu Xun said that no matter how much the lion says that he is fat, it doesn't matter. But if a pig says he's fat, he's looking for death! Shi Bufan continued to think.

Otherwise, like many people who traveled through the Tang Dynasty, they chose to be lazy and chose to make money lazily. Maybe you can avoid Li Shimin, but maybe you can't hide from Li Shimin's heir, and you can't hide from the future emperors. has no strength, but a fat pig to be slaughtered, and if people don't kill you, it's to raise you to eat meat at the end!

(To be continued.) )