At the end of the banquet in the evening, Zhao Yan invited the dignitaries of Shandong to hold a meeting.

Zhao Yan went straight to the point and said: "Since last year, the reform of Dengzhou Mansion has achieved a lot of results, so I came to you today mainly to discuss the issue of reform in Shandong." ”

"Bringing the people of Shandong into the management of the tundi? Train the village soldiers? Yan Jizu frowned.

"Not only that, but in addition, it is necessary to increase commercial taxes, re-measure cultivated land, abolish harsh taxes and miscellaneous taxes on peasants, repair water conservancy with the people, reduce the number of errand labor, vigorously rectify corrupt officials, and replace grassroots administrative personnel." Zhao Yan said one by one with a faint smile, the real purpose is to bring the whole of Shandong into control, and those replaced grassroots personnel are naturally trained by Zhao Yan.

Last year, he swallowed Dengzhou Mansion in this way, and this year he has a bigger appetite and wants to swallow the whole of Shandong.

"Where will the money come from?" Yan Jizu asked.

"This General Zhao will lend it to the government without interest, and when Tuntian is restored, it will be repaid year by year." The political envoy Zhang Wenju said unhurriedly, Yan Jizu sighed in his heart and looked at Zhang Wenju carefully.

Is this guy Zhao Yan's fellow party? Yes, if it weren't for the same party, the attitude would not have been like this.

"Such a reform, I am afraid that it will provoke the anger of the yamen, how to clean it up then? Besides, how can the officials not see the results of the reform? Yan Jizu frowned and asked.

"Lord Junmen, your news is too backward, the reform of Dengzhou Mansion has been fruitful in less than a year, and this summer harvest will receive 1.5 million stone wheat, with a price of 1.1 million taels, 300,000 taels of salt, and 200,000 taels of commercial taxes, adding them together, it is 1.6 million taels, which is the richest Jiangnan, and a government may not have 1.6 million taels a year!" According to the inspector Wang Zhenyi, he said.

Yan Jizu listened to the words of Wang Zhenyi, and couldn't help but sigh again, what he didn't know Wang Zhenyi had already knew, and he had never told him.

He is also Zhao Yan's henchman?

"Chen Zhongsheng, why didn't you report it?" Yan Jizu looked at Chen Zhongsheng on the side with some anger.

Chen Zhongsheng showed a smile and said: "It's just the summer harvest, the autumn harvest has not been harvested yet, and it is not too late to report it after the autumn harvest. ”

Yan Jizu was almost choked to death by Chen Zhongsheng's words, and even this little Dengzhou prefect dared to argue with him.

The happiest person in this year's summer harvest is Chen Zhongsheng, the cultivated land in Dengzhou Mansion is added together, a total of 30 million mu, he only harvested 10 catties of grain per mu, and he has already harvested 1.5 million stone wheat.

At this time, Lin Muen, the imperial historian of Shandong, also said: "This is very good, when it is erosive today, Your Majesty will increase the salary and Liaoxiang from time to time, but the local officials will impose improper levies, so that they will force the good to become thieves." As long as Shandong is reformed, our Shandong officials will be honest, the people will be stable, and then we will be able to share more worries for the saints. ”

Yan Jizu sighed again in his heart, when did Shandong Yushitai fall to Zhao Yan?

At this time, Yan Jizu's brain was a little dizzy, and after looking around at the Shandong dignitaries present, he found that he had already been set aside.

Shandong Yushi Lin Muen, Shandong political envoy Zhang Wenju, and Shandong envoy Wang Zhenyi are all Zhao Yan's comrades, if they offend Zhao Yan, under the joint efforts of these three people, it is easy to take off his official hat.

Although the governor is the head of one party's officials, the officials below also have a restraining force on the governor, which is also from the top to the bottom and the bottom to the top.

Generally speaking, the Taoists under the Governor are scattered and cannot pose much of a threat to the Governor, but if these Taoists work together to deal with one person...... The consequences are almost unimaginable, as long as these Taoists have the same caliber, it is no problem to slander as much as they love.

"Shandong's reform is beneficial to the country and the people, what does the military master think?" Zhao Yan asked Yan Jizu with a smile.

"What are you going to do...... So what to do. Yan Jizu said stiffly, with a little frustration in his expression.

"Then it will be decided, and in a few days we will jointly draft a chapter and report it to the imperial court." Zhao Yan stood up as he spoke, and said to Yan Jizu: "So let's disperse~!" Lord Junmen rested early. ”

The rest of the dignitaries got up, bowed their hands to Yan Jizu, and then dismissed the meeting.

Yan Jizu's figure walked in the corridor of the hall, looking so lonely and desolate...... Shandong Yushi Lin Muen and Wang Zhenyi, the envoy of the inspection, had a close relationship with Zhu Dadian, and later the relationship between Zhu Dadian and Zhao Yan gradually entered the honeymoon period, and the two also hooked up with Zhao Yan.

Zhang Wenju, the political envoy of Shandong, is Zheng Shilian's person, and his relationship with Zhao Yan is not ordinary.

All three of them became Zhao Yan's comrades, Governor Yan Jizu...... is alone, and he can't fight against Zhao Yan at all, and it is not an exaggeration to say that Zhao Yan is covering the sky in Shandong.

If Zhao Yan wants to move Yan Jizu, he can step down in half a month. The ancestor of Yan came just to take a formality, and he couldn't help it if he didn't agree.

However, the reason why these Taoists supported Zhao Yan's reform was not entirely because of favors, but because Zhao Yan spent a lot of money to buy it, and tens of thousands of taels of silver every year were not given away in vain.

One sends silver, the other helps to do things, there are contacts, the friendship between the two sides will naturally gradually deepen, if you only send silver and do not ask for help, it will be a point.

Rectifying corruption is also tantamount to grasping the big heads, cutting off the small heads, pulling the upper level of the Taoist officials over, and cutting down the prefects, prefects, and small scribes of the counties below.

No matter how greedy these Taoists are, the amount will not be too large, and there are many lower-level officials, and if they are corrupt, it will be called endless disasters.

…… On the morning of the second day, Zhao Yan led a group of guests to the banquet to witness the opening of the first Downland Bank.

After half a year of research and training, the first bank was finally opened, with the sign of 'Denglai Bank' hanging at the door, four guards standing outside, and a chief treasurer, two managers, and ten ordinary employees inside.

The chief treasurer is responsible for the transfer of money, the collection of information, and the management of the bank, the manager is responsible for further managing the staff, answering various questions for customers, and checking the bills, and another manager is responsible for evaluating the loans.

The bank also has an iron complaint mailbox, which is locked with an iron lock on the outside, if the bank staff has a bad service attitude, fraud customers, etc., they can write a letter to complain, and the headquarters will regularly open the box to receive letters.

There are also chairs and wooden tables in the bank, and guests will be served a cup of tea when they come.

After the firecrackers were set off, the bank was officially opened. Banks are still a very foreign thing to these Shandong elites.

After understanding it, I learned that this is a money lending institution, and the surname can be similar to that of a pawnshop, but the essence is significantly different from that of a pawnshop.

First of all, they do not accept pawns, but use the money that others have deposited in the bank to lend, and they also give monthly interest. And the monthly interest rate of lending is not as high as that of pawnshops, and the amount of loans can be many times higher than that of pawnshops.

At the same time, it also has remittance business, which is divided into two kinds of bank bills and passbooks, and the silver tickets can be taken anytime and anywhere, but in addition to the silver tickets that are torn in half, only the designated drawer will tear the silver tickets in half.

The passbook can only be withdrawn if the password is correct, and it is divided into two kinds at the same time: urgent and slow, and the urgent one is to designate a certain place, and the information will be summarized to the bank of the designated place within three to seven days. The slow one is taken at the provincial level in one month and the national level in one year.

The monthly interest rate of each silver deposit is 5%, the interest is increased to 6% for a fixed term of one year, the interest for a fixed term of three years is 7%, and the interest for a fixed term of five years is increased to 8%. Depositors can also withdraw early, but the interest rate will be reduced to 5%.

After listening to the introduction of these banking systems, these guests were full of discussions.

"When doing business, you can bring a passbook, if the passbook is lost, you can also reissue, as long as both sides have a passbook, just go to the bank to transfer money, this kind of bank is established in various places, and it is convenient and safe to do business in the future."

"What if there are no banks in the area?"

"Then bring a silver ticket!"

Hearing the discussion of these businessmen, Wang Zhenyi frowned and asked, "With such a high monthly interest, won't you lose money?" ”

"Adults don't know, we are in the layman, the most afraid is the slow turnover of goods, even if you see a business opportunity, there is no money to do, as for borrowing money, don't mention, if you have acquaintances to borrow at low interest rates, it's okay. As for those pawnshops and Beijing debts, they are tigers who peel their skins, and they are completely cut to mend sores, and the merchants are completely untouchable, and with this kind of bank, there are more merchants who borrow money. ”

"Hmmm! Is that. Wang Zhenyi listened to the businessman talk about the Beijing debt, and couldn't help but deeply agree, he borrowed the Beijing debt in order to buy this Taoist, if Zhao Yan 'helped' in time, I am afraid it will not be able to hold on.

"Although this bank is good, it needs a certain scale to be convenient with people. I would like to invite you to come and attend the opening ceremony of the bank today, and I would like to invite you to open a bank together. Zhao Yan said to the merchants.

"Participation?"

"This bank does not participate in shares, it is you who open a new bank, and then the banks cooperate with each other, such as the bank notes issued by this bank, which can be withdrawn in another bank, if you want to open, I can provide you with anti-counterfeiting technology, and you can also train bank personnel." Zhao Yan is happy to open a bank by others, although there is some competition for the bank itself, but it can form a new financial system.

"At the same time, everyone's connections are shared, and the official can also escort the money for everyone, send troops to protect the bank, and so on." Zhao Yan continued.

"This ...... Let's take a look first. ”

"I have to take a look first, although the bank you opened is good, but now I don't have a score in my heart!"

These businessmen are obviously not so anxious to invest in the bank, but take a wait-and-see attitude, after all, they are not very familiar with the bank, although they can speculate on the profits, but they still have no bottom in their hearts.

"Huh! When you want to open it, you can find this official when you want to, and let's open banks all over the world together. Zhao Yan is not worried that no one will open a bank.

The bank's profits were there, and soon after the first Shanxi ticket number appeared in history, other ticket numbers were also released. The monthly interest rate seems to be very high, but it is actually similar to the Shanxi bill number that appeared later, but the banks of later generations set the interest rate lower and lower.

Of course, the monthly interest rate of banks in that era involved very complex things, what inflation, the stock market, plus people can no longer do without banks, the monthly interest rate is getting lower and lower, and the financial system of this era is relatively simple.

(To be continued)