Liu Kun nodded and said, "That is the case, give an edict; Next year, the whole army will have a one-year truce, and it will be included in the territory under its rule, and it will be digested well! In addition, the soldiers are tired from years of fighting, so they have a good rest.

For these newly occupied sites, we must speed up the progress of land reclamation and strive for next year, so that these sites will be transformed from a burden to a help! ”

Hua Xin said: "The minister will live up to His Majesty's high expectations!" ”

Seeing that Hua Xin did not return to the queue, Liu Kun asked, "What else is wrong with Ziyu?" ”

Hua Xin said embarrassedly: "Your Majesty, the ministers are incompetent, and the imperial court's finances have a deficit again this year!" ”

When Liu Kun heard this, he secretly said in his heart: The financial expenditures of the military, the government, and the emperor have been separated, and the imperial court should not come to me for lack of money, right? In addition, fifty percent of the tax and salt profits for a year are not enough for the imperial court?

Mi Zhu handed over the account book, Liu Kun probably took a look at it, and found that there were two large-scale expenditures, one was to build roads on a large scale, and the money spent accounted for most of the financial revenue. The second is to buy cattle from the grassland herdsmen, which also cost part of the money.

Although the price of buying cattle from the grassland is not high, the cost of transporting these cattle back to the Central Plains along the way is expensive, and the price of a cow can double or even triple when people chew and feed the cattle along the way.

After the cattle were bought, the people had no money to buy them, so they could only use the original method to give the cattle to the people on credit and let the people return them in installments.

As a result, buying cattle for the people took up a lot of money, so that the coins of the imperial court's internal affairs were once again in deficit.

Speaking of which, regardless of the cost, it is Liu Kun's idea to build roads and buy cattle, and now it is approaching the end of the year. The fortune of the hundred officials has not yet been settled. Hua Xin can only find a way to find the emperor!

But. This matter still has to be resolved from the imperial court itself, and this year there will be no more auctions to raise money, if I take care of it again, it will really make hundreds of officials develop the habit of relying on me.

Thinking of this, Liu Kun asked: "I don't know if you Aiqing, what is the best plan for the imperial court's financial deficit this year?" ”

Ma Teng came out and said: "Your Majesty, I heard that there are not many weapons and armor added to the army this year. Forty percent of the military funds allocated to the army are still quite a lot, so how about temporarily embezzling some of them? ”

Liu Kun waved his hand and said: "Although there is no change of armor or additional weapons for the army this year, the shipyards in the army have been building large ships, and this alone costs a lot of money. Even if there is some surplus, I still plan to reward the soldiers who have expanded the territory, how can I embezzle it?

What's more, it was said at the beginning that military spending, political spending, and royal spending were divided into three, how could the order be changed overnight! ”

Liu Kun saw Cai Yong out of the ranks. preemptively said: "If Elder Cai Guo proposes to donate Yulu, don't mention it!" ”

Cai Yong's face was a little embarrassed. His face was slightly red, and he said: "The minister did not recommend donating Yulu, the minister thought; The imperial court could use the arrears of the people to buy ploughing cattle as collateral and borrow money from the Han Dynasty. When the people repay the arrears, they can pay it back directly.

In this way, it not only solves the urgent needs of the imperial court, but also increases the interest income of Dahan Bank, why not? ”

Liu Kun asked, "What do you think of Cai Guolao's policy?" ”

When the ministers heard the emperor's advice, they talked one after another:

"Cai Guolao's plan, someone seems to have mentioned it the year before last, isn't it vetoed?"

"This is a bad statement, just as the so-called time is also this time, that time is also, that year is because the credibility of Dahan Qianzhuang is not good, this year is different!"

"Makes sense! Today's Dahan Money Village is famous all over the world, and many merchants on the market have only recognized money tickets and refused to accept copper coins~! ”

"However, if the imperial court borrows money from Qianzhuang, will it reflect the credibility of the imperial court? Will people be suspicious of the amount of money deposited in the bank? ”

"As I just said; This time, that time! Now the people already know that the main income of the money bank comes from lending to earn interest. As long as there is collateral, to whom is it not a loan? ”

"It makes sense"

Liu Kun suddenly found that it was really cool to be a powerful emperor, just throw the problem to the courtiers, and then choose one from the ideas of the courtiers, and everyone could be happy.

The courtiers who have successfully contributed to the plan have a light on their faces, and even the courtiers who have not made successful contributions feel valued by the emperor, which is much better than me talking to myself!

After everyone discussed, their opinions gradually reached an agreement, and Liu Kun waved his hand and said: "I want to take out a loan from Dahan Qianzhuang, I have agreed!" In the future, if the imperial court needs money urgently, it can also be handled according to today's regulations.!

But I repeat it once; However, no matter when, no matter who wants to apply for a loan from the bank, they need to take out the collateral. Otherwise, Dahan Qian Zhuang is not allowed to lend money to him. ”

The ministers said in unison: "No! ”

The reason why Liu Kun has repeatedly reiterated this principle is that he does not want the privileged class to ruin the Han Qian Zhuang.

Liu Kun, who came from later generations, knew very well that if Qian Zhuang made an unsecured risk loan, it would not bring much benefit to Qian Zhuang. However, when a venture loan fails, it is a bad debt.

If you can take out a loan without collateral, after a few years, the money bank will slowly become the money bag of the powerful. From the second generation of courtiers to the second generation of county officials, they will all change their loans to the money bank.

It's okay to say that if you make money, once you lose it, pat your ass and leave, and the loan will become a bad debt!

Who will bear the bad debts?

The people of this era are simple, and many of them may think that it is none of their business, and when they hang high, what does it have to do with me?

Actually? It seems that the money bank has suffered a loss, and in order to survive, the money bank will print more money tickets to offset this bad debt, and the result of printing more money tickets will eventually pass on the bad debt to all the people.

Not only will the second generation of the powerful have hundreds of thousands, but millions of small loans, and if they form an unsecured belt, local governments will also borrow money from the bank for political performance.

If you build a bridge worth hundreds of millions of dollars, and I build a high-rise building worth more than a billion dollars, once these projects are not strictly supervised and become tofu scum projects, they will eventually pass on the bad debts to the people.

as the lowest level of the people; As long as you are in this place, as long as you are paid for your labor and you are paid for your money, and you use money to make transactions, then he will pay for the debts incurred by the bank.

If Dahan Qianzhuang wants to survive forever, it must take out risk-free loans.

Even if the bank itself is not profitable, every year when the old banknotes are destroyed and new ones are printed, the amount is increased by 1%, and this extra one percent is more than enough to support a banking system.

The amount of money increased by one percent, and if everything else remained the same, the inflation rate for the following year would be only one percent higher.

The price of this hundred-dollar thing has risen to one hundred and one, and it will not make any impression on the people at all. It will not be like in later generations, where every few years, people's incomes and prices of goods will double and rise. (To be continued......)

PS: Thank you for the monthly pass of the Purple Moon Star Storm, as well as the reward of the Invincible Emperor and Mingyue Wan Qingfeng!