PS: I haven't asked for a monthly pass for nearly a month, Hyway is here to ask friends for a monthly pass, friends who have a ticket to vote for it, these days because of lung disease restlessness, affected some updates, but everyone rest assured, life is not stopped, the war is endless, Hyway will continue to work hard, look forward to your encouragement.

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The establishment of a bank has been debated in the court for many days, but there has been no result, and there is no precedent for this matter, and the things involved are rather complicated, and the formulation of various rules and regulations needs to be repeatedly scrutinized according to the actual situation, even if it is discussed for a year and a half, it is not surprising.

The question is that what is being discussed at these meetings is not how to make various rules and regulations, but whether or not to set up a bank. There are not a few officials who oppose the establishment of a national bank.

Because the main source of profit for banks is to lend, many officials believe that they are competing with the people for profit.

Yang Yi didn't want to speak too much, but the more he listened, the more bored he felt, these officials said in a high-sounding manner, in fact, the real reason why they opposed it so fiercely was that the establishment of the bank would harm their own interests.

In those years, it was one of the main means of making money for the rich to lend usury to poor households, but all wealthy officials and businessmen were more or less engaged in usury. Once the banks are established, there will undoubtedly be a big impact on their private interests.

At this day at the court meeting, Du Heng, the imperial envoy in the palace, talked about competing with the people for profit, Yang Yi smiled secretly, and said in the class: "Queen Mother, the minister thinks that the imperial court should completely abolish the salt and iron official camp, and the salt and iron official camp is actually competing with the people for profit!" ”

Yang Yi just said a word. Immediately, there was an uproar in the court, and the salt and iron official camp started from Emperor Wu of the Han Dynasty. Although it has always been criticized, all dynasties have not depreciated the behavior of salt and iron official camps.

In the early Song Dynasty, private salt and iron were once banned. Later, the policy was relaxed a little, iron smelting and gold and silver mining in the government outside the private drum casting, smelters to pay taxes in two cents, eight cents free to sell, some government iron smelting due to poor efficiency and changed to private, proportional taxation, but also relaxed the ban on iron and copper, allowing the private tax to make some bronze utensils free of duty.

But in general, salt and iron are mainly government-run. These two items alone accounted for a large proportion of the imperial court's revenue. Yang Yi suddenly threw out the abolition of the salt and iron official camp, can he not make hundreds of officials in an uproar?

Not to mention anything else, Cai Jing, the head of the household department, immediately jumped out to oppose it, and fiercely refuted Yang Yi: "Queen Mother, it is absolutely impossible to completely abolish the salt and iron official camp, at present, salt, iron, wine, and the market, mining and metallurgy, etc., account for forty percent of the annual income, and abolish the salt and iron official camp, where does the huge annual expenditure of the imperial court come from?" ”

Yang Yi replied: "This official thinks that the salt and iron official camp should be released. As long as the imperial court adjusts the taxation link, the annual revenue will not only not decrease, but may even increase, and many salt works and mining industries will be operated by the government. It was inefficient and had limited output, so it had to be transferred to private management. However, after private operation, it can achieve good profits. It can be seen that the government is not as good as the private sector, and the court should not do this more. Compete with the people for profit. ”

"Ridiculous, isn't it just a matter of profit? Salt and iron are the lifeblood of the country, how can they all be run by private individuals? ”

Yang Yi was not angry, nor did he defend anymore, so he stood in the train as if he had never said anything.

Now most officials came back to their senses, Yang Yi didn't really want to abolish the salt and iron official camp, he just wanted to explain that the salt and iron official camp was indeed competing with Fa for profit.

Well, the salt and iron official camp is to compete with the people for profit, you are so energetic, the establishment of a bank, although it also has the meaning of competing with the people, but the bank facilitates the raising and financing of social funds, and has great benefits for promoting the economic development of the Great Song Dynasty.

In Chinese history, there was a bank in the nature of the money very early, the Qing Dynasty ticket number was even more prosperous, Jin merchants through the whole country ticket number, made a lot of money, officials could not not know that there were huge profits in this industry, but it was not until 1905, when the Qing Dynasty was about to fall, that the government founded the first state-owned bank.

One of the reasons for this, which Yang Yi thinks is very important, is that officials believe that they should not compete with the people for profit, and the "people" in this competition for profit with the people are actually the bureaucratic class. What "benefits" can ordinary people get from this?

At present, the Ministry of Household Affairs has proposed the establishment of a state bank, but many officials in the DPRK and China oppose it, and the very important reason is that this will hurt their interests and reduce their space for private lending.

But Yang Yi will not argue with the hundred officials on this matter, he personally believes that it doesn't matter if the imperial court establishes a bank, it doesn't matter if it is not established, as long as it does not prevent private individuals from establishing a bank.

In the West, most of the first banks to appear were private banks, and it is precisely because the capitalists control the lifeblood of the national economy through the financial industry that the capitalists' voice is further expanded, the foundation of capitalism is more solid, and the capitalists also achieve the goal of controlling the entire country by controlling the national economy.

So far, there seems to be no one in the court who opposes the establishment of a private bank, and that's fine, as for whether the court will establish a bank or not, Yang Yi really doesn't care very much, so he doesn't argue too much.

After the early dynasty dispersed, Empress Dowager Liu hurriedly summoned Yang Yi to Yanchun Pavilion and said, "Wrongdoer, what's wrong with you?" Do you really think that the imperial court should abolish the salt and iron official camps? ”

This matter has too much to do with it, and Yang Yi didn't talk to her before, no wonder she has no bottom in her heart.

Yang Yi thought for a while and said: "Queen Mother, it is indeed not a good thing that the imperial court has too strict control over things such as salt, iron and tea, and the prohibition of the monopoly system violates the law of free circulation of goods. In the mines and workshops run by the imperial court, the craftsmen did not even have personal freedom, and their income was extremely poor, so what kind of motivation could they expect from the craftsmen to work in this situation?

Without enthusiasm for work, there is no benefit at all, so many mines cannot be run by the government, but after being handed over to private management, they can produce good benefits;

In short, the government-run industry is full of drawbacks and low efficiency, and this has long been a well-known thing, such as the salt monopoly, although it has been perfected by means of money introduction and truncation, but in fact it is still the trust of the powerful and the profiteers, resulting in serious smugglers. Official salt stagnation. The benefits of the imperial court were not as great as those of the powerful and profiteers, and they only bore the name of a franchise.

Let's talk about tea. In the early days of our dynasty, strict levy laws were implemented, and the government controlled the production and sale of tea throughout the country. The profit of tea is very high, but this is naked and competing with the people, whether it is the tea merchant or the gardener's profits have been deprived, which makes the contradiction between the imperial court and the tea merchant and the gardener seriously intensified, the imperial court is controlling all the tea, but it has formed a backlog of official tea, and even the principal is difficult to recover the situation. ”

Empress Dowager Liu couldn't help but ask: "Why is this official tea backlogged?" ”

Yang Yi couldn't help but smile and said: "The profit space of businessmen has been deprived, who wants to sell tea, do you want to let the county and the governor of the state sell tea?" ”

Empress Dowager Liu had a strange expression on her face. I want to laugh but I don't want to laugh.

Yang Yi continued: "This kind of decree, which violates the law of free circulation of goods, is destined to be difficult to enforce, so in the third year of Taizong's Chunhua, the imperial court had to promulgate the "Trade Law" to allow merchants to trade with gardeners;

It can be seen that the imperial court should not be too involved in manual business, including salt and iron, and the ministers believe that it should not be controlled too strictly. A larger space could be opened to merchants, and as long as the corresponding laws and taxes were enacted, the ministers dared to guarantee that the income from salt and iron would not be reduced. There will definitely be a greater increase, and there will also be a greater improvement in the smelting process of my Great Song. ”

"Then you really deliberately opened up the salt and iron?" Empress Dowager Liu asked, while motioning for Xiaoju to serve him tea.

Yang Yi took the tea and put it on the small table next to him. "Salt is related to the daily needs of thousands of households, and iron can be regarded as a strategic material of a country. Until there are proper and feasible legal safeguards, it is not necessarily a good thing to abolish the government altogether. I have only mentioned this matter, and I need to think about it in detail before I can make a conclusion, but it is necessary to increase some private shares appropriately. ”

"Since there is no conclusion, why did you mention this at the court meeting today?" Empress Dowager Liu was a little dissatisfied, and her face was full of anger.

Yang Yi took a sip of tea and said, "I'm just dissatisfied that some people are obviously making profits for themselves, but they want to use the banner of seeking benefits for the people of the world." ”

"Hmph, you didn't inform me in advance, but it scared me, tell me quickly, what is your opinion." Empress Dowager Liu patted her chest lightly, walked to him from behind the imperial case, and was supposed to sit on another chair to his left.

Yang Yi grabbed her soft waist with her hand, and the Empress Dowager Liu sat on his big feet, she had just gotten off the morning court, and the phoenix crown and xia curtain on her body had not been replaced, but as soon as she sat on his lap, the bewitching style was involuntarily revealed.

In this cold winter season, it is very warm and comfortable to hold a bewitching jade body.

Yang Yi hugged her and said: "It is a good thing that the imperial court wants to set up a national bank, gather the idle money in the hands of the people, and then lend it to those merchants and farmers who need money to expand production, the imperial court can not only make a profit from it, but also help agriculture and industry to develop faster, killing two birds with one stone." ”

"When the imperial court urgently needs money, it can also be embezzled from the bank first, right?" Liu Qingjing said a little proudly, and her moist lips kissed lightly on his cheek.

Yang Yi nodded and replied: "It is indeed possible, for example, in the past two years, the Yellow River has been greatly controlled, and if the imperial court cannot turn over for a while, it is indeed possible to lend the corresponding money from the bank for river control, and then repay it year by year, which can effectively avoid affecting the normal operation of the imperial court." ”

Liu Qingjing was a little absent-minded, her body twisted gently in his arms, and she took the initiative to lead his hand to her proud breasts.

Yang Yi smiled slightly, and said while playing: "In fact, the biggest advantage of establishing a bank is to maximize the flow of people's spare money, remember what I said?" If money does not flow, it is a dead thing, and it can neither add any benefit to the people nor the country, and it is no different from the stones on the mountain;

However, my Han people have a common problem, that is, they like to save money, and the more money they save at home, the more peace of mind they have. Nowadays, those rich families who hoard 100,000 or even a million taels of silver all year round abound;

My Great Song Dynasty often has a money shortage, has all the money of my Great Song Dynasty flowed to other countries? On the contrary, the trade of our Great Song Dynasty to various countries is mostly in surplus, which makes the silver money of various countries flow to our Great Song Dynasty continuously, and most of this money is hidden by the people at home and does not circulate in the market, which is the biggest reason for the shortage of money in our Great Song Dynasty;

The imperial court set up a bank to absorb all the money that the people hoarded at home into the bank, and the bank then lent the money to those who needed it, so that the dead money could flow to the maximum extent, and the faster the money flowed, the more prosperous the country's economy was, and the greater the benefits brought to the society, do you hear what I'm talking about? ”

"Wrongdoer, slave listen, well" Liu Qingjing's voice was as charming as spring water

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(To be continued.) For mobile phone users, please go to read. )