Zheng Lang said slowly: "Wang Rong of the Western Jin Dynasty likes money and lies on the copper coin, but he threatens to say that the money is a blockage, which is shameful for future generations. But being too fond of money and things is a gentleman's shame. However, if it is for the country, for Your Majesty, for the people, for the court, for Your Majesty, for the people, so that the country does not have to worry about the use of money, so that Your Majesty does not worry about the use of money, so that the people live and work in peace and contentment, the minister thinks that even if the master is alive, he will be rewarded. ”

Zhao Zhen said: "Qing's words are very beautiful. ”

Don't talk about money, learn from Lin and Jing, what should the country do?

Correct the name first, Zheng Lang said: "Therefore, today's theme is to talk about money. ”

Some ministers laughed.

But no one objected, in the Song Dynasty it was not ugly to talk about money, and many ministers also specialized in studying the way to accumulate wealth.

"If you want the country's income to be relaxed, there are two ways, one is to reduce expenditure, and the other is open source, and banks are the way to open source, but when it comes to banks, I have two questions I want to ask your ministers. The first is whether what the usury merchants are doing is right, and is it right for the state to compete with these usury merchants? ”

The ministers were silent together.

There were many usury merchants in the Song Dynasty, some of whom could earn hundreds of thousands of yuan a year. There were many powerful people among the usurers. The first is that some unscrupulous people use usury to eat, drink, prostitute and gamble, or use them for emergency use. For this kind of usury distribution, no one thinks it is wrong, doing business and wanting to make other people's money, it is inevitable to pay risks, and eating, drinking, prostituting and gambling is even more self-defeating. The second is used for emergency use, or the family is sick, or the family life is not able to survive, the latter amount is not large, but the number is large, is the mainstream of usury, a large number of encroachment on the land is precisely because the loan usury can not be repaid, the land and family property are sold, and it is the turn of tenants. Some were forced to commit suicide by hanging their beams, or selling their daughters to brothels to pay back. There are many powerful people involved, but they are put on the table. It's not a good thing.

The interests of usury may implicate the interests of more than a quarter of the officials' families or relatives, but they cannot be argued with. It's still arguable, and you have to use other excuses. I couldn't think of it for the time being, so I was silent.

Zheng Lang didn't give them a chance and said, "Since the ministers are silent, I think it's permission." And then the second thing, it's money exchange. Commerce requires a lot of money to exchange, and turnover is extremely inconvenient, so in the Tang Dynasty government and rich merchants to operate a flying money business. Our dynasty adopted the Tang Dynasty system, allowing the people to bring money to the capital to redeem the volume, and then to the local convenience exchange, the annual amount reached millions of yuan, the court profited, and the merchants to. The first emperor prevented some lawless wealthy merchants from fishing for the common people, and issued an edict prohibiting private individuals from participating in the exchange of money (Zheng Lang's statement for Song Zhenzong to cover up the ugliness, which was a regressive practice of the Song Dynasty to maintain the exchange monopoly and control copper coins). The private sector is becoming increasingly small. However, for example, the Bashu road is far away and difficult to block, and some businessmen use Jiaozi to replace money. In fact, it is a kind of money exchange, and the imperial court appeases the blue hat returns from afar, and also acquiesces in these returns using cash cabinets to secretly operate flying money. ”

The blue hat returned to be a Jew, and because of all the originals, he came to China. The smartest race in the world was very good at business, not only in later generations, but also in the Song Dynasty. After a long time, it gradually became sinicized, and it was difficult to distinguish it from the Han Hui people. But in later generations, many of the eight surnames of Zhao, Ai, Li, Zhang, Shi, Jin, Gao, and Zhang in Henan were descendants of Jews. Because later generations of Israel only recognized matrilineal inheritance, believing that only Jews were Jews if their mothers were Jews, and the sinicization of these Jews was patrilineal inheritance. Therefore, it does not meet the requirements of Israeli identity.

However, Jews have been brutally persecuted all over the world, and only China has treated them well. Therefore, no matter how bad China and the United States are in the future, even if China expresses support for the Middle East countries that oppose Israel, the Israelis have always been friendly with China. This is a kind of gratitude, but it is a pity that no one else in China has played this card well except Zhou Enlai. …,

In the Song Dynasty, it was also treated kindly, no matter how strict the Song Dynasty's control over flying money was, the Jews still operated, and the Song Dynasty government did not ask.

Zheng Lang continued: "It is indisputable that the banks have encroached on the country's money exchange, but it has also encroached on the interests of a small number of blue hat merchants to return to Bashu, but is it feasible to give these merchants a greater return? ”

There is no problem in being able to repay naturally, Chen Zhizhong frowned and asked, "Please tell me about the specific strategy." ”

"Chen Xianggong, don't worry, the matter of the bank was conceived and planned by me and Zhang Fangping when we were on Jingyuan Road, and I talked about it with Zhang Fangping, Wang Yaochen, Fu Bi, Cai Xiang, and Zeng Gongliang on the Fan Tower. However, the amount of principal required is too large to implement. ”

Pang Ji asked, "How much principal?" ”

"If it is promoted nationwide, at least copper coins, or related gold and silver, rather than cloth, worth more than one billion yuan, can leverage the national banking business."

All the ministers prepared to pounce together.

If you drag the Jade Emperor here, you can't turn it into so much money.

"Ministers, in fact, there are, since the three emperors and five emperors, China has been mining gold, silver, copper and iron, since ancient times, how many copper coins and gold and silver have been left, and the copper coins of the Sui and Tang dynasties are still in circulation, but most of them are used to make utensils, and even many people are buried in the ground and annihilated. If these gold, silver and copper are taken out together, it may be less than a billion yuan, but the difference is not very large. However, it was impossible for the people to hand over the gold, silver and copper together and circulate them to the state as currency. Therefore, this discussion was put on hold, and I was seeing how much gold, silver, and copper the peace prison could bring back. It has been a long time since the establishment of the Ping An Prison, and the amount of money minted by the state has more than doubled, and most of the gold, silver and copper are still used for casting or making jewelry, so the amount is still not very large, and I once thought that it was impossible to implement. This incident gave Zheng Lang a headache for a long time, and he was a little anxious when he saw that the amount of money minted in a year was less than 10 million.

If history does not change, there are still 80 years before the fall of the Northern Song Dynasty, and the amount of money minted in the Northern Song Dynasty will become larger and larger, with the low being more than 3 million yuan, the high one being more than 5 million yuan, and the copper coins minted in 80 years at least nearly 300 million yuan. Countless iron coins and jiaozi were also issued in the middle, but the money was still not enough.

It cannot be said that the circulation goes to foreign countries.

If the Khitan, Western Xia, Uighur, Tubo, Dali, Jiaozhi, and Nanhai states, as well as the Wa and Goryeo neighboring countries were added together, the fiscal revenue would not be half that of the Song Dynasty. Circulation will have an impact, not the mainstream, the main reason is that the huge economic volume of the Song Dynasty led to a shortage of copper coins.

Seeing that the coinage was less than 10 million yuan a year, Zheng Lang was anxious. But there is nothing I can do, I keep thinking about it.

He continued: "The day before yesterday, Wuyi Jieshan brought his daughter to my house to express his gratitude, and please ask me for one more thing, he brought some wealth from Western Xia and wanted to join the Peace Prison for the benefit of his own people. Only 50% of the deed shares are left in the Ping An Prison, which is used for the bank to make the principal in the future. I didn't dare to agree, and then Zhang Fangping came to my house to resign, and Fang Ping and I talked about the bank. Agile, so I came up with a solution. ”

The pit is out!

The solution is not something I think of alone, there is Zhang Fangping, if there is no bank, there are few people who understand a bank, do you want to send Zhang Fangping to Chuzhou?

Zhao Zhen looked at Zheng Lang steadily, he understood this careful thinking. However, Zheng Lang is seeking personal gain, and he is openly seeking personal gain in front of so many ministers, it is the first time, and I don't know what to say.

And Zheng Lang said something that made everyone even more ignorant of what to say: "Although there is Zhang Fangping's wisdom, Your Majesty, the minister is here to speak, and he also has selfish intentions, but the minister is not for his own personal gain." It is for the private benefit of the country. The Western Xia endangered the frontiers and could not be destroyed, not because of the lack of troops, but also because of the lack of finances. The Yellow River has a policy to govern, but it cannot be implemented. It's not that it's helpless, but it's that too much money is used and can't be used. However, there are too few ministers in the country who really know how to run a business. ”

I am just seeking personal gain, and I am speaking openly and brightly.

He Tan's mouth opened, and finally endured it, almost didn't come back in one breath, and suffocated to death. …,

Zhao Zhen wiped the sweat on his forehead and asked, "How do you do it?" ”

Even if he disregarded the safety of the country, he took out the inner treasury and all the gold, silver and copper coins of the three divisions, and there were not tens of millions, which was a figure of more than one billion. Tens of millions of teeth can't be stuffed.

"First, banks were set up in 17 prefectures, including Tokyo, Nanjing, Beijing, Xijing, Zhending, Mizhou, Bingzhou, Jingzhao, Chengdu, Xingyuan, Jiangling, Jiangning, Suzhou, Hangzhou, Hongzhou, Quanzhou, and Guangzhou. It can't move the whole country, but some of it is enough for only 17 state capitals. ”

Among those present, only Wang Yaochen, Zeng Gongliang, and Zhao Zhen knew the banking method, and Fu Bi and Cai Xiang did not return to the capital. Zhang Fangping was about to leave the capital and was not qualified to attend this meeting.

Zhao Zhen meditated for a while, these seventeen state capitals are not simple, either the richest and most prosperous cities in the Song Dynasty, or they are important ports, which can be said to concentrate 15 to 20 percent of the wealth of the Song Dynasty, plus the radiation range, can reach more than 30 percent, that is, at least more than 300 million gold, silver or copper coins are needed.

There is one point, which everyone automatically ignores, from Chengdu Mansion to Jiangling, Hongzhou, and Guangzhou to the west or south, there is still a large territory, more than one-third of the land area of the Song Dynasty, and Zheng Lang did not arrange a bank.

If it can't be set, it may cause the red eyes of the barbarians, and the rebellion will be even more intense.

If it is a partial prying, using a pry word, it will probably be successful, but it is not easy, how much cash does it take?

Zhao Zhen asked, "And then?" ”

"Then there is the form of business, I monopolize the salt tea alum wine, although the imperial court policy governs the people and the people, in fact, the people are harsh, the salt in the early Tang Dynasty is priced in buckets, and the lowest is only a dozen Wen Wen for a bucket of salt, but today a pound of salt is the lowest for more than 20 Wen, and the highest one can reach several hundred Wen for a catty. This is all for the people's livelihood, and it is a disguised fish and meat people. "The policy of the Northern Song Dynasty is not bad, but the Northern Song Dynasty has freedom of speech, and the big thing can be said to be a watermelon, as long as you don't rebel, you dare to say it, but you think it is a loyal minister. It's not good to exaggerate, but it serves as a supervisory role. Zheng Lang said this is not too much, but he didn't want to be entangled in the five franchises, so he quickly plundered away, and said: "The minister calculates, if the monopoly is meritorious, the country can earn at least 80 million yuan a year, and the monopoly income alone can maintain the operation of more than half of the country." Actually? The imperial court received less than one-third of it. Therefore, from the very beginning of the establishment of the bank, it was necessary to strictly implement the system of half of the deed shares of the sugar cane factory, one for the sake of the country's wealth, and the other for the sake of the big businessmen and tycoons, so that the bank would die prematurely and take its profits away from it. ”

"Jia!" Zhao Zhen said.

More than ten years ago, when he first became the emperor, he definitely didn't understand, but today he will understand the true meaning of this sentence.

If Jia Jia and the big families oppose it together, what law will also die.

At least part of the profits can be caught. It can also control the greed of officials, which is a strategy to kill two birds with one stone. It is certainly not so perfect, and after a few years, there will inevitably be many new drawbacks, such as the embezzlement of small contract shares by large deed shares, and the fact that some members of the steward can still have ways to do accounts and embezzle ink. But now it has only been implemented for a short time, Zheng Lang is in the court, and the rule of the state officials is still clear, and these drawbacks are not serious.

"Your Majesty, so the minister thought that he would first raise 80 million copper coins or the equivalent of gold and silver as the original deed shares, as 100,000 shares, and the court and Haojia each accounted for 50%. In the future, the shares will be increased according to the situation. ”

Wen Yanbo asked: "The 40 million gold, silver and copper coins from the imperial court?" ”

I can't get 20 million. Even if you take it out. The country is not used?

"There is no need to use the state treasury, one is the deed shares of the Ping An Supervisor, and the other is the deed shares of the bank, and these principals can be raised."

"Impossible." He Tan said. Ping An Jian now has a significant income, and fifty percent of the deed shares can't raise 10 million yuan, and a 50,000 deed shares of a bank in the air can be worth more than 30 million yuan? …,

"He Yushi, please listen to me after I finish speaking, and you will know, Your Majesty. Ladies and gentlemen, I will talk about its way of doing business and its means of making profits. One is to exchange money, the imperial court is only in the capital, one is to control the rich merchants to be rich and unkind, and the other is to control the circulation of copper money, so that Gyeonggi has enough money to use. However, there is a safety prison, and the amount of copper coins minted is large, and then there is once the help. It will squeeze out the copper coins and gold and silver in many people's homes, as well as Jiaozi, and the currency will be further enriched. The imperial court did not need to exchange money only in the capital, but could expand the scope to these seventeen state capitals, and the income alone would be more than fivefold. ”

"It's not right," Gao Ronne said.

Iron and copper coins were privately forged, and a single banknote. That was in the case of insufficient money in Bashu, a special case, and had nothing to do with the imperial court. Once Jiaozi is implemented, it is not known how many people will forge it, and it doesn't matter if the head is cut, as long as the currency is genuine. This profit is not two or three times the profit, it may be hundreds of times the profit, and it can't be controlled by raiding the family and exterminating the clan!

Zheng Lang smiled, even if he didn't have himself, the Song Dynasty would inevitably issue Jiaozi in the future. But the way of issuance is wrong, he said: "Gao Xianggong." is not Bashu's son. One is the quantity, the issuance of Jiaozi can only be the number of principal, for example, there are 80 million yuan in cash in the bank, and only 80 million yuan can be issued, so that the people can cash it at any time, so that Jiaozi can produce enough integrity. The second is the denomination, the denomination can not be large, starting from the five texts, divided into five texts, ten texts, twenty texts and one hundred texts. ”

That is, it is equivalent to two yuan, five yuan, ten yuan, fifty yuan, no matter how much you dare not more, no matter how little the cost is insufficient.

"It's not appropriate," said Gaurine. Hugh said that a hundred pennies, how much can a penny have, there are still many people who make false ones, and there are hundreds of pennies.

"Don't worry, and listen to me below, the third is the process, the first is not paper money, but silk coins, using the country's best silk as the bottom of the coin, and then set the country's best embroidery, weaving, engraving silk technology, has made ten anti-counterfeiting patterns, and then cast ten stereotypes, with the most complex technology to engrave the text, the stereotype is divided into ten parts, the court controls five parts, and the rich businessmen control five parts. Inform the world of these anti-counterfeiting marks. ”

No more explanations.

First of all, the most exquisite silk silk, the famous brand production of the state capital, the output is very small, maybe the people do not know, but there are still 20 anti-counterfeiting measures behind, and some can always be recognized. If it is a private pseudonym, there is the ability to gather one or several embroidery weaving into the silk carving process, but any private person does not have the ability to concentrate the ten best embroiderers in the country, only the country has this ability. In addition, there is a special engraving printing for anti-counterfeiting. Even if those who have the ability want to meet these conditions one by one, there will be a lot of trouble, and the court doesn't care?

There will be people who will forge it, the profit is too thick, but the conditions for preventing counterfeiting are too high, and there will be a huge error with the real coin. Although the cost of manufacturing Jiaozi in this way is very high and it is a stupid method, it is effective.

Zhao Zhen boasted: "Good way." ”

"Don't dare, one is to increase the currency, the second is to increase the income of several times the expansion of the scale of money exchange, and the third is to facilitate the circulation of commercial money, the people will be rich, and the state will also increase the income from commercial taxes." This is inevitable, Zheng Lang did a good deed, sent tens of thousands of dollars to the third division, or used gold and silver, and also used three cars to transport them to the third division. If you use Jiaozi, a hundred dollars a piece, hundreds of thousands, the volume may not be small, but the weight has dropped greatly, at most a car will be pulled away, this is a metaphor, if the wealth reaches tens of thousands, you can also start on the previous bill of exchange, more convenient. However, small and medium-sized merchants, with a transaction volume of only a few thousand or a few hundred, will become very convenient. He continued: "The smaller part of its income is the larger part of the deposits. For those who are more than one year and less than five years, two percent of the interest will be paid to the depositor, three percent of the interest will be paid for five years and ten years, four percent of the interest will be paid for those who are more than ten years and less than 20 years, and five percent of the interest will be paid for those who only take interest for life. ”…,

The ministers looked at each other.

Saving money was available in the Tang Dynasty, not to pay interest, but to pay a handling fee. Therefore, these Jews, and later the Jin merchants of the Qing Dynasty, made a lot of money one by one. This is how you make money by becoming a wealthy businessman, saving and paying money, and paying more with loans. There is also a handling fee for other local exchanges.

Pay line to the person who deposits, first heard of it.

Zheng Lang didn't explain much, and continued: "This is paying, encouraging people to take out the coins from their homes and put them in the bank. There are two types of loans, small-scale emergency loans, with short-term annual interest payments of 10%. In the long run, 15 percent, and the amount cannot exceed 50 yuan, which is a move to save the people, similar to the Seedlings Law. ”

The redirecting of the Seedlings Law has been in place for a long time, because there is no performance evaluation, the officials are not interested, and they are worried that they will not be able to recover it, and they will have conflicts with the large local loan sharks. Not much effect. Even the edict did not prohibit the people from asking for loans, and the officials in various localities did not give out green seedlings and grain loans to the people who asked for loans.

This is a government operation.

If half of the private sector joins the operation, it will be for the sake of profit. And lending aggressively.

So at the beginning, half of the deed shares in it became private.

"The second is a large loan of a commercial nature, with an annual interest rate of 15 percent for short-term loans and 20 percent for long-term loans. To prevent the loan from being repaid, it must be pledged with its assets, and those who do not have assets are not allowed to lend. Banks are originally a way to make money, and if they are extremely poor households below the fifth class, they are free to be given relief by the imperial court. Zheng Lang sighed, there is no way, even if it is kind, if it is a precedent. Banks everywhere will create false accounts, saying that they will be released to poor households, and they will not be able to recover them, and the books will be seriously corrupted, and the consequences will be unimaginable. In fact, some similar situations have already occurred in the Seedlings Act. I can only be ruthless, and continued: "And prevent more than one loan." The lender's assets must be handed over to the bank for custody when the loan is made, so the lender cannot repay the loan and can use its assets to make up for the bank's losses. If the assets are overvalued at the time of capital valuation, it is the fault of the bank's employees, and the bank's internal punishment will be regulated. Your Majesty, Ministers. The role of the bank in the middle is to use the prestige, power, and huge economic capacity of the imperial court to mediate it. Many people buried their coins in the ground because they didn't want to pay the interest on the money chest. What kind of quantities will these coins reach once they are released from the people? The wealth within the radiating range of these seventeen state capitals alone is at least a few hundred million guan, and the income from usury in the capital alone is tens of millions of guan. Needless to say, the 17 state capitals I chose will make a profit if they come and go and operate properly, and seek a 10% interest rate difference between their coming and going? Did I estimate the value of this deed to about 30 million yuan? ”

Rumble!

The camp was bombed in the main hall.

There is no way to calculate it, and if it is extended to the whole country, the benefits are even more unimaginable.

The reason why the state taxes heavily is because of the lack of money. If you have money, what's the harm if you don't have two taxes?

The account cannot be calculated in this way, personnel salaries, transportation costs, losses, etc., and the actual profit is not as optimistic as Zheng Lang said. However, if it is extended to the whole country, it is indeed unimaginable to make a profit. What industry makes the most money, not the mining industry of Ping An Prison, not the workshops, but the banks.

After Zheng Lang and Zhang Fangping said their thoughts the night before, Zhang Fangping was stunned, Cui Xian was also stunned, Jiang Xing'er was stunned, Yue'er couldn't come back to her senses, and Si'er and Huan'er almost drooled.

Half a day later, Zhang Fangping said: "This ticket is big." ”

Even because of its prying, it will prevent the spread of copper as a device, because more monetary support will have to be needed. At that time, there will be no ban from the imperial court, but the major wealthy businessmen will spontaneously offer copper as currency, and the entire market economy will become more and more active. In the end, a virtuous circle was formed, pushing the already wealthy economy of the Song Dynasty to a peak.

Zhao Zhen's pale little face showed a red light, and said, "Discussion!" ”

It was done, but more specific steps had to be discussed.

At the same time, Zhao Zhen had far-reaching ideas, if this was the case, a peace prison and a bank would tie all the elites to the imperial chariot together, and the country would be more stable.

"Your Majesty, don't worry, the minister still has a play, the beginning of the bank, the scope is not large, and in the end it must be extended to all state capitals, counties, and towns, in order to truly promote the whole country. The principal required is even larger. Therefore, the minister thought that at the beginning, he could not use his profit income, and his income should be used as the bank's current assets, and part of the dividend should be kept in a unified treasury so that the principal could continue to expand. Therefore, the minister thinks that there must be a business for a while, the virtue is good, and the capable officials who do not like to make knots are in charge of the operation of the bank, and the minister recommends Zhang Fangping. ”

Especially when it comes to the national economy, although the public and private sectors are split in half, and private individuals can elect representatives to jointly manage affairs, they must also jointly manage affairs, let officials take care of things, and God knows what will become of it in the end. But the supervisor must be a member of the imperial court.

However, all the officials were in a daze together, and thought with contempt in their hearts, Zheng Xingzhi, you have gone too far by using this method to catch people. RQ