Wang Ming came back from the Yellow River in a simple manner.

There is also a capable person in the third division, Chen Congxin, this person has a very bad personality, but he is quite talented. Whether his conduct is good or not has nothing to do with Song Jiu, he is not his subordinate, and Xifu has no right to appoint and dismiss personnel. What you want is talent.

Before Wang Ming came back, Song Jiu and Chen Congxin joined forces to do something. Once again, some of the well-run farms and rivers were sorted out, and they didn't ask if it was caused by the greed of the officials, anyway, there was not much benefit, and all of them were auctioned off to private businesses, and from then on, the imperial court only collected rent money, and no longer operated directly.

The pressure was further relaxed for the imperial court, and with the cancellation of these Fangchang river crossings, the number of officials decreased, and the labor of the common people decreased. In fact, the two cuts of Fangchang River Crossing not only relieved the pressure for the imperial court, but also obtained a considerable income for the imperial court.

It wasn't until Wang Ming came back that he started to get down to business.

That's the gold shop.

The gold and silver in Hezhou are not empty, and the gold and silver colored silks, jewelry and jade are not much different from those gold and silver colored silk shops in the north of Xiangguo Temple.

But it was not Song Jiu's original intention.

It was only at this time that Song Jiu threw out its use.

Not only this gold shop, but also more than a dozen of the most important commercial cities from the country to open branches.

The first is the issuance of Jiaozi.

There were many mistakes in the Jiaozi of the Song Dynasty, some of which were piracy, but the main factor was that the issuance was overflowing, and only one million Jiaozi were issued a year during the Tiansheng period, which was mainly used to solve the shortage of money in Bashu. By the time of Emperor Huizong of the Song Dynasty, more than 20 million Jiaozi were issued a year. Song Gaozong only had half of the country, so he only issued 10 million guanjiaozi a year, but by the time of Song Lizong, the highest annual issue was 650 million guanjiaozi.

When it was issued, because the number was small, the credit was high. However, it is easy to carry, so Jiaozi is very popular, and there has been a situation where Jiaozi is equivalent to a copper coin. By the time of Emperor Lizong of the Song Dynasty, Jiaozi had always been only equivalent to one hundred and fifty yuan.

However, it should not be attacked in a blank manner.

After all, in this era, the concept of business and economic consciousness was backward, and there was not much financial knowledge, and although these Jiaozi brought some bad changes, it did make outstanding contributions to the economic prosperity of the Song Dynasty.

Without coins, can bartering create a prosperous dynasty?

But at the beginning, Song Jiu was very cautious and only issued 10 million guanjiaozi, according to the Song Dynasty system. That's the equivalent of 7.7 million yuan.

And the amount of money is also small, only five and ten wen.

It is not a paper banknote, but a real silk coin, which is first made of the most exquisite silk silk and then printed with precision printing. This impression and the pigment are kept absolutely secret.

Then it is stamped with the seal of the three divisions.

That is, I want to pirate. It's very difficult, and there is a seal. Then privately cast the seal of the three divisions. It is undoubtedly a capital offense. Use this to prevent folk piracy.

It is also stipulated that if the people want to exchange copper coins with Jiaozi, any gold shop branch cannot refuse and exchange it for the people at any time.

With this regulation, then there will be no strange phenomenon that Song Lizong can print more than 600 million Jiaozi a year like Song Lizong.

The second is to withdraw money from other places.

At this time, it is very difficult to trade in a different place, such as a transaction of 100,000 yuan. The money alone weighed almost three hundred tons. If it is loaded by boat, it may not be able to be loaded by a medium ship, and if it is pulled by a car, it will be even worse. It would take 600 carts to pull it away.

Not to mention that there will be accidents on the road.

Of course, there is no Song Jiu's policy, and the Song people also have a way, mostly to come with heavy loads, and to go with heavy loads, one is to save transportation, and the other is to avoid this problem of difficult money.

But there are certainly many inconveniences, and they also hinder the further prosperity of commerce.

Now that more than a dozen gold shops are scattered all over the country, this trouble can be avoided. If you deposit 100,000 yuan in the capital, you can easily withdraw 100,000 yuan in cash as long as you pay some handling fees in Yizhou.

The last is deposits and loans. At this time, there are places to store money, various cash drawers, but not only there is no interest, but on the contrary, there will be a storage fee. Therefore, the common people have money and put it all at home, so Song Jiu talked to Wang Ming that day, what if everyone is like Song Jiu?

So Song Jiu brought the banking system of later generations, and there was no interest on current deposits, and in the absence of a perfect financial concept, it was not easy for the gold shop to embezzle these demand deposits. There may be some benefits, but there are also storage costs. Saving one to two years with an annual interest rate of one percent is not to collect interest from the people, but to give it to the people. Three to four years two percent. Four to three percent in 10 years. Ten to twenty years four percent. If you save money for interest, that's five percent.

It's a bit low, but it's tempting in these days.

For example, many people buy land, which is because they have money in their hands but have no good investment, and the actual land profit is also very low, and the tenants are unhappy with the rent collection, and they have a bad reputation, and they have to pay taxes, so many main households hide their fields and may have high rents.

If the children and grandchildren are not filial and they are old, then the deposit interest is a good way. For example, if you have 10,000 yuan in your hand and save it, you can make a profit of 500 yuan a year, so that your children and grandchildren will not starve to death, and you will not worry about them ruining their inheritance.

It is these fixed deposits that can be used by the gold shop to lend money, with an interest rate of 15 percent. It's profitable. Of course, it is not exactly an empty glove white wolf, gold and silver construction costs money, Jiaozi printing costs money, and Song Jiu also planned to invest 15 million yuan in the early stage, one is used to exchange Jiaozi, and the other is used to lend.

It is also a joint venture system.

The imperial court paid for the construction of gold shops, the cost of handing over the printing of children, the provision of credit and state resources, and private financing, and contributed 15 million yuan. 50 per cent each.

But there are a lot of troubles, and it cannot be said that it does not disturb the people, first of all those who give usury.

It is not a charity, unlike Wang Anshi's green seedling method of selling dog meat on the head of a sheep, to put it bluntly, it is to collect money, although the interest rate is very low, in order to protect the income, the people who come to take out loans must use the homestead deed and other valuable things as collateral. I couldn't pay back the money, so I confiscated it and auctioned it off to others. Even ordinary peasants, as long as they have a land deed in their hands, they can use it for loans, and there is no need to borrow black-hearted usury. But I can't afford it, these lands are infinite, how poor the other party is, and it must be investigated. If compassion is generated, the clerks in the gold and silver will dig out huge black holes and use them to be greedy.

So carry it out. Despite its low interest rate, it can also be controversial.

And also. The amount of the loan is not afraid, and you can borrow as much money as you have in your hand. However, there are problems with the ration of cash in various places, as well as the quota of Jiaozi, and some others.

Therefore, Song Jiu stayed in the three divisions for many days, estimating the number of copper coins in the world, the number of copper coins in various places, the actual income of various places, and the number of transactions with commerce.

It cannot be expected to bring tens of millions of dollars a year to the country. But if it is properly managed, it may be no less than an extra salt income. The nature of having these millions of guan is different from that of missing these millions of guan.

If the Chinese book fights for a little more energy, it can be restored to the surplus of the three years of Taiping Xingguo. Then only three or four years. The imperial court was free to launch a Northern Expedition.

And the timing is good.

Song Jiu didn't expect to wash all of Zhao Pu's power now, but the country's economy was in difficulty. With this method of making money. Most people would agree. If it is said that it does not disturb the people, then it is better not to tax, is it possible?

And it will not only collect money, once implemented, it will make the commerce of the Song Dynasty more developed, and it will improve the lives of some people. At the same time, the national commercial tax can also be levied more, but the latter is invisible and not easy to estimate.

Song Jiu and the officials of the Third Division worked on it for more than ten days, and added some more plans. For example, an edict was issued again to prohibit all regions from levying a tax on gold and silver entering the city, so that gold and silver could be further circulated, reduce the price difference between different regions, and raise the role of quasi-currency to make up for the lack of money. An edict was issued to screen the gold and silver coins from the West, and seven or eight kinds of gold and silver coins with large quantities and good quality were selected for estimation, and then allowed to circulate in the Song Dynasty, but in order to prevent the majority of the people from not knowing them, the people were allowed not to accept them for trading. The main thing is that they are still expensive and can be used for large transactions. The common people do not know them, but it is impossible for the stewards of the merchants not to know them.

In fact, Song Jiu proposed this to Zhao Kuangyin very early, but Zhao Kuangyin smiled and did not answer, which once made Song Jiu slander in his heart.

But it wasn't that Zhao Kuangyin did it wrong, and it would be very difficult to implement it at that time.

At that time, there was a shortage of coins, and it was impossible to implement it even in the Tang Dynasty.

Without the development of Hezhou and the education of the academy and business, there would be no qualified officials and stewards.

Before the country is unified, commerce cannot be called developed, and there is no good foundation.

There are still many difficulties, but they are much better than then.

Song Jiu handed the draft to Zhao Kuangyi.

The draft is very detailed, and there may be errors, such as rationing, but it is not a big problem, and if there is a shortage of coins, the local government can come up with some cloth to make up for it in time.

Song Qi snorted a few words, and when he saw Zhao Kuangyi's face raised, he didn't make a sound.

Zhao Kuangyi knew that there would be trouble, and Song Jiu also said honestly, it was definitely better than a direct tax increase. And the pros far outweigh the disadvantages.

If it is the current finances, Zhao Kuangyi may hesitate, but deep down he still wants to crusade against Youzhou, and the eldest brother left a lot of money in the inner treasury, but the battle of Gaolianghe was defeated, and it was almost used.

Without sufficient wealth, how to fight a decisive battle with the Khitan?

Zhao Kuangyi asked everyone to disperse.

Walking out, Zhang Qixian sighed: "Song Xianggong is not even as good as Zhao Xianggong. ”

Song Jiu smiled slightly.

Song Jiu and Zhao Pu became mortal enemies, but Song Jiu never had a low evaluation of Zhao Pu. Why is Song Qi compared to Zhao Pu?

Poor Li Mu.

Lu Mengzheng and Li Zhi are not bad, but Li Mu is a talent, but under the rule of Song Qi, how can Li Mu give full play to his talents?

The gold shop was successfully implemented.

But not long after, a news came from Fangzhou that Zhao Tingmei arrived in Fangzhou, and her depressed mood can be imagined. And so many emperors and crown princes died, Meng Chang, Chai Zongxun, Zhao Kuangyin, Zhao Dezhao, Zhao Defang, Li Yu...... Zhao Tingmei was worried and afraid, so she died of illness and palpitations.

Zhao Kuangyi said to the left and right: "Tingmei has been stubborn since he was a child, and when he grows up, he has a fierce temper, and I can't bear to judge him with the law, so I let him live in Fangling, hoping that he can repent, and I actually miss it often." I was about to reinstate him as an official, but I didn't expect to pass away suddenly, and I was very sad in my heart. ”

He began to cry as he spoke.

Brotherly love, this touching scene, left and right moved to wipe tears.

Song Jiu had no choice but to raise the sleeves of his robe and cover his eyes, otherwise what should he do, he didn't have the ability to act.

But soon Zhao Kuangyi felt that something was wrong again, and said one thing in the political hall: "There is a secret that I have never said, and I will tell Zhuqing's family today." Tingmei and I were not born to the same mother, but to my nursing mother. Later, she married into the Zhao family, and gave birth to Zhao Tingjun, the deputy envoy of the arsenal......"

Song Jiu and Zhang Qixian were dumbfounded.

Li Fang couldn't miss the opportunity, and immediately said indignantly: "The Duke of Fuling is rebellious, and the world hears of it, such forbidden things in the palace, if it is not for the declaration of His Majesty's commission, how can the ministers know." ”

Zhao Kuangyi was in chaos.

Zhao Tingmei was definitely not killed by Zhao Kuangyi, but now the eldest brother died unexplained, and the two nephews died unclear, not because he harmed him, but also because he harmed him, plus Zhao Yuanzuo was uneven in the palace, and Zhao Kuangyi didn't know what to do.

How can you hide it, Feng Zen! (To be continued......)