Song Yingzong and Zhao Shu may have known that his body would not last long, especially this serious illness, which made him always have a hunch: I am afraid that his idea of rectifying the dynasty will not be implemented. Pen @ fun @ pavilion wWw. ｂｉｑUｇE。 Info Next to this king is the person who has always made Zhao Shu linger. Saving Di Qing and burning the boat, Wang Bei rejected Zhao Shu's good intentions again and again. And when Zhao Shu was faced with the problem of governing the country, it was this kid who made Zhao Shu feel that he didn't know how to advance or retreat, and he said some sympathetic words to him.

Wang saw Zhao Shu sitting in a wheelchair, his thin face, but there was a glimmer of light in his eyes in his always melancholy expression, and at this time, thinking of the emperor who only had one year to live, Wang couldn't help but sigh secretly. Sometimes, knowing too much may not be a good thing, he calmed down his mood and said to Zhao Shu: "Holy Lord, you sent me to Yongzhou and let me go to self-sufficiency, but how can the capital operation of a state be supported by the financial resources of a Zhennan palace next to my king?" ”

The corners of Zhao Shu's mouth curled slightly, and Wang could see some disdain in his expression that he was trying to hide. The king understood that the emperor must have thought that he was asking for silver again. As he himself said, he loves only money and not power. Sure enough, Zhao Shu said in a low voice: "I can have you today, talk openly and honestly, you have the heart to force me Da Song, you say, how many silver taels do you want?" Zhao Shu said this, but he was thinking in his heart, obviously I asked you to solve the empty treasury, but you came to ask me for money.

"Holy Lord, I'm not asking for money, I'm borrowing money! And this money was not borrowed by me personally, but by the state capital and the imperial court in Yongzhou. ”

Seeing that the king asked for money and asked for something, Yingzong smiled helplessly: "If you want to govern Yongzhou, the imperial court should also allocate funds, what if you can't borrow it when the time comes?" ”

Wang's expression was very calm, and he said calmly: "Yongzhou, can you rest assured that you will give it to me, and you are still worried that I will not be able to pay the silver taels?" Besides, the imperial court lent the silver taels to Yongzhou, and the imperial court could also send the imperial history to supervise and review the use of the silver taels. In this way, whether the silver taels I borrowed from the imperial court were used to support the army, or used to build and govern, isn't it a matter of clarity? ”

Song Yingzong Zhao Shu tapped the armrest of the wheelchair with his fingers, and his mind was quickly thinking, what tricks is this kid going to do? But when I thought about what I said today, I didn't want to guess what he was going to do, so I asked him directly: "Next to the king, how many taels of silver do you want to govern Yongzhou well?" ”

"Holy Lord, if you govern Yongzhou well, isn't it enough to have a number?"

Zhao Shu heard this and said with a slight anger: "You kid, I said that you should give me an idea to solve the emptiness of the treasury and silver, but you came to me to borrow money, what is the reason?" Haven't counted yet? Do you still have to talk to the official lion? He said so much in one breath that he gasped and coughed a few times.

This is the emperor, if he is really angry and can't come up in one breath, he won't be able to borrow a penny. Wang Bi hurriedly patted him on the back and brought water again. After the emperor drank two sips, he continued: "Holy Lord, this is one thing. Listen to me, I said I asked you to borrow money, but I gave interest. This is called looking for a loan from the imperial court, which can be repaid to the imperial court in installments. If I don't pay it back, the imperial court can take back the governance of Yongzhou, and if I pay it off, then the local finances of Yongzhou will definitely improve; Also, if you allocate funds to Yongzhou, it is a financial allocation, and whoever is in charge in Yongzhou will not repay the financial appropriation of the imperial court even with interest, don't you say? ”

What Wang said seems to be very reasonable, the imperial court allocates a lot of money to each state every year, and the military salaries of each state, the construction of water conservancy in each state, and the disaster relief of each state are not small figures. But these are not a penny that the imperial court can recover with interest. Although the states have taxes, how can the treasury be empty if there are enough to spend? Not to mention which state catches up with the drought and flood disaster, not to mention the tax revenue, the relief must be given. What's more, some of the appropriations of the imperial court are not realistic, and the people's taxes are levied arbitrarily, but very few are handed over to the imperial court.

In short, these are not one or two sentences that can be explained clearly, there are too many factors here, and now Yingzong is not caring about thinking so much, it is good to listen to Wang Bian's suggestion, since Wang Bian is willing to try, then why not take Yongzhou as an example to test it first? "Next to the king, you plan to let the official family allocate it to ...... No, how many taels of silver will be lent to you? How do you pay it back? ”

Wang Bei did not directly answer Yingzong's question, he smiled slightly: "Holy Lord, if the imperial court borrows me two taels of silver, I will repay the interest once a month at the interest rate of every six percent per year, and repay the principal at the end of the year, then I will repay five hundred and three taels every month for one hundred thousand taels of silver, and the court will lend me one million taels of silver, then I will repay five thousand and thirty taels every month, which is not a decimal!" But how much are you going to lend me, Holy Lord? ”

"This ......" Wang Bian said is really too tempting, if every state does this like Wang Bian, then why is the emperor worried about no silver? However, this question really stumped Zhao Shu, where can I get a million taels of silver in the current treasury? One million taels of silver is not a small number, and the annual coin given to the Liao State by the Great Song Dynasty is only 200,000 taels, not to mention that one million taels is equivalent to 300 million yuan now. It sounds like a lot of numbers, but think about the local state capital of a state, and there are still hundreds of millions of construction funds under it?

Song Yingzong snorted for a long time, and finally said: "The official family believes in you, and you can't do anything without you and without money." It's just that it's not good for you to fill the treasury like this, you are hollowing it out first, and then giving it hope of filling, I think ...... Not good! He gritted his teeth and said that it was not good, who would think that it was bad to come to silver for nothing? It's just that now he has no money to lend to the king, so he can only endure the temptation of not wanting the interest.

How could Wang Bi not understand Song Yingzong's thoughts: "Holy Lord, if the interest rate of the imperial court is not as high, only three percent per year, but you can let the treasury have a lot of silver taels, so much that you can lend me one million, then do you think this matter can be done?" ”

Song Yingzong Zhao Shu looked at Wang in surprise, this kid is talking in a dream, right? Listen to him, maybe he really has a solution to the empty treasury. "Look at you, you've been around for a long time......"

The king thought to himself, if I don't go around the corner, can you calm down and listen to me about borrowing money? Can you do what I think?

"Holy Lord, when the emperor was in power, he once implemented the silver ticket of hinge, and set up official hinge shops in various places. Now, six or seven years have passed since this measure, and although there is income, it is very small. Weichen has a way to use all the wealth hidden in the people for our court. ”

At that time, Wang proposed that Song Renzong print paper money hinges to solve the problem of shortage of copper coins and the mixing of other currencies; At the same time, official hinge shops were set up in various places to exchange various currencies, and at the same time, some fees were obtained by storing currency through vendors. This method has been implemented for five or six years, and now the operation of official hinge shops in various places is becoming more and more mature, and Wang Bian also feels that it is time to introduce the concept of modern banking.

Zhao Shu frowned slightly and looked at Wang Bian, Wang Bian said: "Shengshang, there are two ways, one is for the people, the people have rich money in hand, you can deposit it in the official hinge shop, in the past, we charged, but now it is changed to a fixed deposit, such as a one-year period to pay the people three percent interest......"

"What? Doesn't that mean the court borrowing money from the people? "This approach is really a bit beyond the scope of Song Yingzong's imagination.

"That's right! If you want to understand it this way, you can also lend the borrowed money to the local government, just like it is lent to someone like me who wants to govern the side and needs money. As long as money can be turned, it is money that makes money......"

Yingzong was still a little hesitant: "But...... But not every official can manage money like you?! ”

Wang Bi knew what Yingzong really meant, because he was afraid that the future officials who lent it to the local government would not be able to cheat, so he said with a smile: "Shengshang, the black gauze hat on my head is my credit, and my Zhennan Wangfu is a physical property, these are all collateral. If there are local officials who you think can borrow money from the imperial court with credit and in kind, then why not do something that benefits everyone? ”

The more Yingzong thought about what the king said, the more reasonable it became: "I said, the king, what you said is a very good way, but what if the people don't have so many silver taels in their hands?" Besides, even if it's too late to post the list now? ”

"Holy Lord, I just said two ways, but one is slower. There is also a faster one, which is only carried out in the capital, and the imperial court can trigger some bonds, which are specially used for the development and construction of Yongzhou, and the minimum face value can be one thousand taels. There are many wealthy families in the capital, and the income of the court officials is so rich. The money is paid at an interest rate of 3.5 per cent, that is, for a period of three years. It will definitely be sold out within two months. ”

Yingzong frowned, what is the idea of the king, it is not enough to borrow money from the people, and the rich officials also have a share? "No, no, if this is publicized, it must not be said that this court is poor and crazy."

Wang Bei sighed: "Holy Lord, do you want to use this method, I can use it?!" Since you can't get the silver taels, and you refuse to run the official hinge shop, then I can open a bank? When the time comes, I will be self-sufficient and turn around on my own. ”

"Banks? What new tricks are you doing? ”

Wang Fang originally wanted to suggest Song Yingzong, but the emperor took too much care of it, and was afraid that people would say that the court was looking for people to borrow money, so he blurted out that he wanted to run his own bank. Yingzong didn't know what a bank meant at all, and Wang explained that "a bank is a trading house that trades silver. That is, the money bank, the private hinge shop, but if I want to open it, I have to open a different one from others! ”

Zhao Shu pursed his lips: "It's different?" It's different, you can solve your Yongzhou payment? ”

He thought about it and puffed up his chest and said, "Holy Lord, if you allow me to open a bank, I will settle the money myself." But since I am borrowing money from people on behalf of the imperial court, and the imperial court guarantees me, I will use my title as collateral to the imperial court, so that you don't have to come forward, nor do you have to pay, and you can still sit and collect interest, which can be described as the perfect three! ”

"Is this, this okay? ...... "Yingzong thought hard, is there such a good thing in the world?

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