(Thanks for the support that doesn't hurt the headache, thank you!) ）

Yi Feng explained to Yang Guang: "The prince wants to take the opportunity to place people and horses in the camp on the three routes of the Northern Expedition, which is actually more beneficial than disadvantageous for us. Because the current situation is that the King of Jin is the marshal of the Northern Expedition, leading the three armies, and the following three camps are also led by the King Yue Gong of Jin and a certain branch respectively, we directly occupy the power of commanding the troops, even if they enter the camp at this time, on the surface, they are the deputy marshals of all roads, and they are only under the marshals of all roads. But in fact, Mo said that he would not grant the order of the foreign monarch, and said that this deputy marshal who is not in line with the coach, what can he do. With a few casual means, they can be raised high, and they are not even as good as an army commander with 5,000 men. In this matter, we don't have to agree directly, as long as we don't object, Your Majesty will probably agree by default if we don't object to this matter, so Your Majesty still thinks that King Jin takes the overall situation into account. Moreover, the five people recommended by the prince and Gao Gong are all the core of the princelings, and as soon as they leave the capital division, wouldn't it be more reassuring for us? ”

"Lingyun, you're just afraid that things are too simple." Yang Guang shook his head, these five people are not ordinary people, Shi Wansui, He Ruobi, and Yu Wenbi are all famous generals of the country. And Li Gang and Su Xiaoci are all auxiliary talents carefully selected by the Son of Heaven for the crown prince, so how can five people participate in the Northern Expeditionary Army so easy to fool? If one is not good, then they will be restrained and constrained by them. This Northern Expedition is not only very important to the imperial court, but also for Yang Guang, it is also to press all his chips. If he wins this battle, he will naturally be able to increase his prestige and officially go all out to attack the position of the crown prince. If it fails. Then at the moment, all the qiē great good form shì will be lost. With the prince's henchmen by his side, he really didn't dare to take risks.

Yi Feng knows the original history. Knowing that in the nineteenth year of the emperor's reign, the decisive battle of the Sui Conflict, the imperial court was also a three-way soldier. Yang Su on the West Road, Yang Liang on the Middle Road, and Yanrong on the East Road. However, when the troops were officially dispatched, Yang Liang, the marshal of the middle route, was too timid to fight because of the defeat of the Eastern Expedition the previous year, and he could not go to the front line due to illness, and finally had to be personally commanded by Gao Gong, the prime minister who was originally the chief minister of the long history. And Yan Rong on the East Road, there was nothing to do after the whole battle. The most fierce fight was Yang Su on the West Road, and his deputy commander at that time was Shi Wansui. In the end of this battle, the Sui Dynasty won a great victory, and Yang Su and Gao Gong both won a great victory. Right now, in this plane. Yang Guang replaced Yang Liang as commander, and he was a real marshal, not just a prince. But on the whole, the impact on the entire battle situation is not great, in this war, there is still a gap in the overall strength between the Great Sui and the Turks, not to mention that the troops used by the Great Sui this time are even more. Therefore, Yi Feng is full of confidence in this battle, "This battle is very important, and no one dares to make any mistakes." No one dared to make any mess of it. If they really dare to make trouble in the dark when they arrive in the army, may I ask Your Highness, isn't this a head to be shoved under our sword? Isn't this just worrying that there is no chance to clean them up? ”

Yang Su also nodded in support of Yi Feng, he is also a general, and he has a very good set of commanding subordinates. It is better for the party to fight against differences. He was one of the marshals of the Three Roads in the Battle of Pingchen that year, and now he is commanding the Northern Expedition. He is even more confident. Although Shi Wansui had a great reputation among the generals, the Jiangnan rebellion after Ping Chen that year. Yang Su commanded the army to quell the rebellion, and Shi Wansui was his deputy commander. In that quelling the rebellion, Yang Su and Shi Wansui soldiers were divided into two ways, and they both fought very beautifully, Shi Wansui even fought more beautifully than Yang Su, but after the war, Shi Wansui's credit was still far below him. At the beginning, he was able to suppress Shi Wansui, and now he still has the confidence that he can suppress this capricious brave and unscrupulous reckless man into obedience.

"If His Royal Highness is still not at ease, then there is another way to transfer all the people recommended by the prince to the Eastern Route Army. At that time, he directly stated to His Majesty, saying that he was not qualified and inexperienced, and that the war was very important, and asked His Majesty to transfer them all to the East Road to assist Yu. Yi Feng smiled and threw out another plan.

"This looks like it works." Yang Guang frowned. Yi Feng's current public identity is still the concubine of the East Palace after all, so he can also be regarded as a natural princeling. It seems to be a good arrangement to arrange these princelings recommended by the prince to Yang Lin's Eastern Route Army. "It's just, will Jiandi Var agree?"

"I think he'll agree." Yang Su stroked his beard and said, in his opinion, Yang Yong has no real ability, let him go to Yang Guang with a real knife, he will definitely not dare. If he just dealt with Yang Lin, maybe he would have the guts. Moreover, Yang Lin commanded the Eastern Route Army, and it was true that he was not enough in terms of qualifications or prestige, if these generals from the East Palace were sent to the Eastern Route Army, then it would be possible to seize power, and set aside Yi Feng, the marshal of the East Road, to actually control the soldiers and horses of the East Road. Although the Eastern Route Army only has 10 commanders and 50,000 horses, it is also a large army. If you can control the Eastern Route Army, and then infiltrate and influence the Youzhou Governor's Mansion, you can strive to take advantage of the cleansing of the Youyan area and the Northern Expedition to snatch the Youzhou Governor's Mansion in one fell swoop, and control it in hand. With such a temptation, there is no reason why the prince should not be tempted. But there is King Zhao in Youzhou, and he is not worried that the wishful thinking of the prince will succeed. After all, although he has not had much contact with King Zhao, the more he comes into contact, the more he feels that although this King Zhao is young, he can't actually take it lightly. The emperor may have thought that Huaihuang really only had 8,000 soldiers to fight, but Yang Su and Yang Guang knew that King Zhao had at least 20,000 soldiers and horses in his hands, and even a reserve army with a larger number, and the strength in King Zhao's hands was far stronger than what he looked from the outside. Besides, the Eastern Route Army is only undertaking the task of defense and reserve support this time, as long as the prince's people cannot snatch the real control of the Youzhou Governor's Mansion, then let them go to the Eastern Route Army this time, there is nothing to worry about.

At the moment, Yang Guang also preliminarily agreed to this plan, and discussed the silence on the prince's plan. If they want to put in their hands, they will do with them. If you want to plant more, arrange these people to the Eastern Route Army. Don't give them more opportunities to influence this war, and don't give the prince's generals more opportunities to make meritorious contributions.

"Congratulations to King Zhao." Yang Su smiled and congratulated Yi Feng, "King Zhao previously asked His Majesty to set up banks in various places, and His Majesty has already replied. ”

"His Majesty did reply, but did not agree to set up banks in various places." Yi Feng also chuckled.

Yang Su is quite a shrewd person. As early as after Yi Feng made this move to the emperor, he immediately figured out Yi Feng's true purpose. "His Majesty did not agree to the establishment of banks in various places by the imperial court. However, it has agreed to allow conditional merchants to set up banks to conduct storage and lending transactions. In addition, a new edict was issued for this purpose, prohibiting local governments from using public money to lend money and collect interest from now on. And as far as a certain know, for example, there is only one bank in various places today, and this Northern Bank is not owned by King Zhao? Others still don't know what this bank is about, but King Zhao has already opened branches in Huaihuang, Luoyang, Daxing and other places. ”

Yi Feng knew that he couldn't hide it from Yang Su, a shrewd guy, so he didn't say much. After entering Beijing this time. The shape is very good, and Yi Feng is also actively working on the bank's affairs. In the banking area, Yi Feng is very optimistic about his prospects. It's not just about making money, it's about his influence. Therefore, taking advantage of the current opportunity, Yi Feng also sent a note to Yang Jian, proposing that the imperial court set up banks in the local area to provide deposit and loan services, so as to replace the current local government and public money lending. The reason is that today's public money lending is no longer as convenient as originally thought, and it also provides office funds for the local government to generate profits. On the contrary, it has become a tool and means for many local officials to exploit profits, and the lending of public money has become an official usury-loan. Therefore, Yi Feng proposed that a new form of bank could be established. It is no longer subordinate to the local government, but is directly handled by the imperial court and carried out vertical management. Carry out deposit and loan business, and absorb the idle funds in the hands of the people. and then lend it to the people in need, and so on. The people who save money get interest, the people who need to borrow money get convenience, and they get a fee and interest money for carrying out, killing three birds with one stone, and win-win and mutual benefit.

However, as Yi Feng had predicted, in the end, this excellent plan was rejected by Yang Jian. After Yang Jian reached his later years, he did not like industry and commerce more and more, and even directly issued an edict two years earlier that craftsmen and businessmen were not allowed to be officials. Even the policy of public money loans, which has long been chaotic, Yang Jian is actually intending to abolish the ban. Yi Feng made such a twist and turn at this time, which meant nothing more than to make the original policy of public party lending bigger and stronger, and naturally he could not get Yang Jian's support. According to Yang Jian, the public party's lending for profit was originally a failed business that disturbed the people, and now that banks are running, it is even more a matter of competing with the people for profit. According to Yang Jian's thinking, the imperial court and the government are the officials of the herdsmen and the managers of the people, and what the imperial court has to do is to collect the taxes of the people and then manage the people of the world. As for profit-making, this should not be what the imperial court should do at all.

Yi Feng's twists and turns directly strengthened Yang Jian's erroneous policy of banning the public party's money lending for profit, which is competing with the people for profit. But Yang Jian does feel that Yi Feng's proposed business model of the bank is somewhat agreeable, which is very beneficial to the people. Yang Jian is not a person who does not eat the fireworks of the world, and he has always read Huaihuang newspapers, and he has long known a lot about this banking business. Knowing the bank's business model and knowing that the Northern Bank has been operating in the wilderness, it has achieved good results, absorbing the idle funds of the people, and then focusing on lending them to those people and businessmen in need. Banks also have low interest rates, which makes it difficult for local families to maintain their old high-interest loans. In Yang Jian's view, the rise of banks is actually a means of suppressing local clans. Even if the local tycoons eventually open banks, but because the banks are low-interest, then the power of the local tycoons will inevitably be suppressed and weakened. Of course, if the imperial court can monopolize the banking business, this will weaken the local tycoons even more, but Yang Jian is unwilling to open this head to compete with the people. Moreover, Yang Jian is also worried that if the imperial court runs the banking business, he is afraid that in the end, the bank will become as bad as the public money that was convenient for the people at the beginning.

Yang Guang also already knew about this matter, and he frowned and reminded Yi Feng. "Lingyun, do you know that this loan has always been operated by the rich and powerful in various places and even by monks and monasteries in various places to exploit and make profits? Do you know that you played a twist and turn, and as a result, His Majesty banned the lending of public money, so that many local officials lost a lot of gray income. And your bank lends at low interest rates, how many rich and powerful people have lost a way to make money? Do you know how many people you have offended at this moment? ”

"Of course I do." Yi Feng is very clear that the rise of every new thing, even the rise of new interest groups, actually conflicts with old interest groups. But he couldn't be afraid of it. If you don't know about illness and avoid medical treatment, you can't waste food because of choking. Not to mention. The interests of the bank are so big, as long as they become bigger and stronger. It's not just about making money. It will be a vast network of interests that can encompass countless people. Therefore, it is impossible for Yi Feng to give up for fear of offending people, of course, Yi Feng also knows that it is not okay to eat alone. If he wants to do this, then Yi Feng will have to enlist some people as allies and share benefits to deal with those opponents together.

Although Yi Feng is more thinking about using the bank to make more money and run a more complex alliance of interests. But when the words were spoken, they were serious and righteous. "I know that the business of the Northern Bank has robbed many of the rich and powerful, and I also know that the bank's low-interest model has made the bank an enemy of the rich and powerful. However, we can't always watch the people of the world have been exploited by the rich and powerful. Many people work hard, hard day after day, facing the loess with their backs to the sky, but many times they have worked hard for a year. It's just barely enough to make ends meet. In the event of a disaster, even food and clothing cannot be solved. Famines, diseases, and even marriages and funerals often have to be borrowed, and once borrowed. At best, it will be burdened with a heavy burden, and at worst, there will be no property left that may be exploited by others. Roll well, donkey roll. As soon as you borrow, half a life is equal to nothing. ”

Yi Feng said. I was also very excited. He also felt by his words that the people of this era are indeed very bitter. Normally. can only barely live under the subsistence line. And once it encounters disasters, famines, wars, and diseases, it is a major event that breaks the family. Many times, World War I borrowed money, which could have pulled them along. But many times, borrowing is just a deadly trap. Once you borrow, you fall into it, and it is difficult to escape from the abyss. The ancients often said that with great power comes great responsibility. Yi Feng didn't want to be a great saint, but it would be great if he could be convenient with others at the same time.

"Someone always needs to step up." Easy air duct. "I am not opposed to the rich and powerful lending to make money, but this thing has to have a certain limit, and people cannot be insatiable and do not care about the lives of the people, this is the original intention of I want to be a bank. Convenient with people, convenient with already, convenient for everyone. Of course, I don't mean to be against the whole world, I mean, everyone can be more benevolent, our interest will be reduced a little, and the people will be convenient for everyone. I plan to set up branches of the Northern Bank in various places and invite the wealthy and wealthy people from all over the country to join hands and operate together. ”

At this time, Yi Feng also took out a gift and gave Yang Guang and Yang Su two dry shares of the Daxing Branch of the Northern Bank of China with two percent and one percent respectively. In addition, Yifeng also promised them that when the bank set up branches in other places, they could also invest in shares as long as they wanted. And the dry shares of this Daxing branch belong to gifts. Each share is worth 100,000 yuan, and Yi Feng gave a total of 300,000 shares to the two of them at one time, which is not light.

"When the people's money is deposited in the bank, not only does it not charge the custody fee, but it also pays the interest on the deposit to the people. With a monthly interest on loans, can banks really make money with such a low interest rate on loans? Yang Guang accepted a generous gift from Yi Feng, and couldn't help but put forward a few worries of his own.

Yi Feng smiled slightly, Yang Guang and Yang Su are all considered to be outstanding people for a while, but the people of their era are vague and difficult to understand a very ordinary financial common sense in later generations. In this era, there were no banks at all, only some simple related shops, such as gold and silver shops, which provided the identification of the ratio of fineness to huàn gold and silver. Some pledge vaults provide collateral or even guarantees, and some loan stacks also provide some custody and storage services, but not only do you have to pay custody fees for depositing money here, but you also have to pay custody fees, and you can't withdraw money from other places. Some specialize in escorting money and goods, etc. There has never been a single bank that specializes in these businesses like the Northern Bank. I was even more surprised that I didn't have to pay custody fees for deposits in the bank, and even had interest. Although there are many types of interest on this deposit, such as fixed term demand for several years, etc., the interest on a one-year fixed deposit is only one-third of the interest on a one-year loan, but it still surprises them.

"There is interest on deposits, but the interest we lend is three times the interest on deposits under the same period, we absorb deposits, and then lend money out with three times the interest paid to depositors, there is a difference, not to mention, there is also a handling fee for deposits and withdrawals. Of course, we also provide various services such as custody, redemption, mortgage, bill exchange, and remote payment, in short, the bigger the banking business, the higher the profit. Of course, although the interest rate of borrowing is three times that of deposits, the monthly interest is only one cent, which is much lower than the current general loan interest. ”

Yang Su quickly calculated an account in his heart, "If I deposit one hundred yuan of money in the bank now and deposit it for a fixed period of one year, then after one year, I can get back one yuan of capital and four yuan of interest?" ”

"Yes, the longer the deposit, the more interest you will have. However, the interest rate of the current account is low, and if the withdrawal is not made within the agreed period, then the interest will go according to the current account, and you will lose a lot of interest. ”

"Four cents per annum, which is already good. It's also a good deal to put it at home for nothing, and it won't give birth to cubs, not to mention that it's safe and reliable in the bank, and you can still have some money cubs a year, it's really a good deal. Yang Su laughed, "But King Zhao is more shrewd, this is clearly borrowing chickens to lay eggs, without using his own capital, with the condition of four points of annual interest, he can absorb a large amount of idle capital, accumulate a lot, and then lend out on the condition of twelve points of annual interest, and change hands three times the profit, it is really an empty glove white wolf." ”

"This is not a white wolf with empty gloves, running a bank requires a lot of capital, but also needs professional personnel, and the risks are also very large."

"We don't understand these things, we only occupy a cadre share, and you can handle the specifics, but we still have some role in some places." Yang Guang also smiled with satisfaction, and after Yi Feng's explanation, he also felt that the future of this business was good. Yifeng has the professional ability in this area, and they have their unique relationship network, which can help the bank open up local relations and attract some prestigious and capable local rich and powerful people to become partners and share benefits.

I have to say that Yang Guang still attaches great importance to Yi Feng now, although the bank's prospects are so bright and bright, but Yang Guang did not directly take away the production technology of green tea as when he was in Yangzhou. In the face of this considerable banking business, Yang Guang only participated in it as an equal, and did not even ask to occupy a dominant position. Or for Yang Guang, the bank is just a lucrative business to buy and sell. It's not worth throwing away an important bargaining chip in your own fight for the world for a little money-making business.

(The body is still adjusting, tonight is another night of insomnia, there is no state at all, barely a chapter, let's send it first.) (To be continued......)