Zhao Ta's suggestion on the establishment of a cabinet workshop quickly received a positive response from everyone, because each hall of Shengzi was fully equipped with the conditions for opening a cabinet workshop. In terms of reputation, from the original Shengdetang and Shengyitang, it has paid attention to fair trading and honest management, and its good reputation is well-known all over the world; In terms of funds, there are now tens of millions of silver money accumulated, most of which are idle in the vault for emergencies, and now the annual income is enough to meet various expenses, and there is a surplus, which can be described as abundant capital.

In addition, there are several advantages, more than ten years Zhutang has built a large number of mansions and shops in various places, and has formed a commercial network with Bianjing, Taiyuan and Hangzhou as the center, and the surrounding state capitals as the backbone, radiating military counties. And after the cultivation of various shops and schools, there are also a group of economic management personnel of their own, and they can deal with this kind of thing, and there is an advantage that everyone does not say clearly, that is, Prince Yan's brand is backed by, and there is a tiger and wolf army that has never suffered defeat on the side, who dares to make trouble in ordinary people.

"This king is still a little worried, if we establish a cabinet covering all over the country, it is bound to use a huge amount of capital reserves, once an emergency occurs, it is difficult to raise a large amount of funds for a while, resulting in a surprise?" Zhao Ta thought about it and asked, he knew that the good days of the Great Song Dynasty were coming to an end, and he invested a lot of money in building a cabinet shop, but in the event of turmoil, the funds could not be recovered, but he made a mistake, so he had to be more careful.

"Lord Wang, in fact, we don't have to spread out so much, as long as we set up a cabinet shop in each prefecture, and only individual commercially developed areas will consider the state and county level. The cabinet shop collects money first and then does things, so it does not need to occupy much capital. Even if there is a run, it will not be wrong to transfer it from the neighborhood! Zhang Qu replied.

"Well, it's a good idea to bring noodles with a little bit!" Zhao Ta nodded in praise, and then asked another question, "But there is another problem that needs attention, because our cabinet is facing the whole country, and the exchange ratio of each road is different, and it changes quickly, once the calculation is wrong, we will not only not be able to make money." You have to lose your capital! ”

Zhao Ta knew that the currency value of various countries in his previous life was also different, and international trade was mostly calculated in US dollars, while although the Song Dynasty was founded for a hundred years and was a highly centralized feudal country, the national currency was not unified, and there were several currency areas, each of which was independent and not common to each other. At that time, there were thirteen special copper coins, including iron coins for the road. Shaanxi and Hedong use both copper and iron money, and currency outflow is strictly prohibited in various currency areas. This has led to confusion in the use of currency, for example, a copper coin can be exchanged for ten iron coins, and iron coins are divided into large and small, one is ten and one is five, which is an official ticket issued by the state - huizi, and also has different values in various places, and in order to achieve national exchange, it is necessary to have a calculation standard.

"The prince is very considerate, even if it is a place. The exchange standards between the banks are not uniform, and if you don't get it right, you really have to suffer! Zhang Qu nodded.

"Lord Wang, can we consider independent accounting from all walks of life, so that we can avoid it?" Zhao Zhi thought for a while.

"No, to do business is to earn the difference in the price of goods between different places, and your exchange is limited to one place, so won't it lose its meaning!" Zhao Ta rejected Zhao Zhi's suggestion. His idea was to establish a nationwide bank for deposits and exchanges, not just one place.

"Lord Wang, how about you settle the settlement based on the price of gold and silver?" Zhao Zhi also said that during the westward expedition, in order to ensure that the ministries could buy grain on the spot. The prince once offered to issue a certain amount of gold and silver to the ministries for their own use, and although these things could not be used as currency, their value was recognized everywhere.

"Well, that's an okay idea!" Zhao Ta nodded, the currency in the previous life was on the gold standard, and gold was also the best reserve currency.

"Okay, it's just that the amount of gold is small, but the amount of silver is large, and our cabinets around the country will be settled according to the price of silver, but the distance between the places is far away, and we need to exchange information to operate!" Wei Bochu also felt that it was feasible, but he also thought of a difficulty, the price of silver in different places is also different, and the price of the destination should be referred to when exchanging, and information transmission has become the biggest difficulty in front of him.

"Wei Yanjian, this is easy to say, there is a channel for transmission between our halls!" Zhang did said with a smile, in fact, this difficulty is really not a big problem for them, the caravan was established at the beginning of the task of collecting commercial and military intelligence from all over the country, and the greatest value of intelligence lies in the timeliness, so at that time a complete information transmission channel was established through various means, and now if there is a major event in the southeast, it can be transmitted to the hands of the prince in two days at most, and this little thing can be done easily.

"Lord Wang, since we want to gain a foothold in the northwest, then the business of the cabinet should also be different from other places!" Wei Bochu has been rolling in officialdom for most of his life, and he has been in the high-level, how can he not see that Zhao Ta's various actions in the northwest are to stabilize his foundation, so he made suggestions.

"Mr. Wei, please speak!" Zhao Ta was a little excited today, his wish that had been brewing for many years could be realized on this bumpy carriage, he said with a smile.

"Lord Wang, although you are famous, but after all, the days are short, and the business that the lower officials want to lend money in other ways should be limited to small amounts and short term in other ways to reduce risks; In the Northwest Three Roads operating loans, you can do some credit loans, mortgage loans, large loans, etc., the loan objects should mainly be those businesses, so as to attract merchants from all over the country to the northwest, so that not only can prosper the northwest, but also increase taxes! Regarding Wei Bochu's evaluation of the prince, Zhang Qu and others were dissatisfied, but Wei Bochu took a sip of tea as if he hadn't seen it and said, "Through depositing, lending, remitting, issuing vouchers and exchange business, we can finance funds, adjust positions, and settle accounts for merchants, so that they can flexibly turn around and continue to operate, and we will have a closer relationship with us, which can also become an important means for us to control the business community in Northwest China!" ”

"Very good!" Zhao Ta couldn't help but applaud, this kind of method of using the cabinet to pull and beat the merchants can only be thought of by people like Wei Bochu, who understand both economics and politics.

"This king sees that the practice of distributing 'green seedling money' in the northwest can also be handed over to our cabinet to do, lending or prepaying grain to farmers at low interest, so as to ensure that farmers can sow in spring and harvest in autumn, and the government can collect taxes, and we can also get the surplus grain of farmers and establish stable grain purchase channels, so as to control grain prices, master grain resources, and avoid this year's embarrassment!" Zhao added again.

"Lord Wang, this is indeed a measure to benefit the people, back then, Wang Jinggong's measure was originally to curb mergers and help the people when the green and yellow were not in good supply, but the actual implementation was too hasty and deviated. Local officials forcibly let the people borrow money from the government, and arbitrarily raised the interest rate, and the officials also extorted money in various names in order to solicit merit, and the people suffered unspeakably. As a result, the young money became a harsh policy of the government to lend usury and collect interest. And Sima Gong is only ethical governance, without practice, there is no continuation of improvement, but light and abandoned, so the future generations only know the defeat of the green seedlings, do not revisit the wonderful green seedlings, if the prince can be implemented by a special person, will be able to build a miraculous effect! Wei Bo said with a general feeling that he had experienced it first-hand, and of course he knew the pros and cons of it.

"We can also take advantage of this to absorb the deposits of farmers, we can not charge rent, pay some interest, and then lend the money to the merchants, so that we can also earn profits in the meantime, I think we can also try, after all, the sand is a tower, and those small money are not a small amount when gathered!" Zhao Ta put forward a new suggestion, in fact, this is a common practice in later generations, but now it is a bit unusual to pay interest instead of collecting money.

"This method is feasible, it seems to be a loss, but in fact, it can not only attract farmers to deposit, but also do not occupy a lot of our funds, it is really a good idea to benefit both sides!" Zhang Qumei said with a smile, he was now convinced that the prince was twelve points.

"In that case, can I also set up a cabinet in the army, absorb the deposits of the sergeants, and then transfer them to your cabinet to lend money and make profits!" Zhao Zhi interjected.

"Of course you can, this is not only convenient for the sergeants to send their salaries to their families, but also for profit, why not!" Zhang did seem to have opened his cabinet shop, and immediately attracted the first big customer, and he knew that the people of the loyal army of Lu Dao took advantage of the money.

"Hehe, then I'll get a copy too, and I can save so much money in the warehouse to get moldy, and I can still earn some pocket money!" Seeing Xi said that he also joined in the fun.

"Mr. Wei, now that our salt business has basically been rolled out, do you think we can consider distributing salt in the name of our Sheng He Tang?" Zhao Ta shook his head, how could these guys have become money strings, and asked Wei Bochu with a wry smile.

Zhao Ta thought that the emergence of the 'silver ticket' was not accidental, it was an inevitable product of social, political and economic development. Because more currency was needed in the circulation of commodities, and there was a shortage of copper coins at that time, which could not meet the demand in circulation, and the weight of metal currency was large and inconvenient to carry. The emergence of 'silver tickets' facilitated commercial exchanges, made up for the lack of cash, and also prevented the outflow of copper and iron money, which was born by the trend, so the 'salt introduction' was because the Song Dynasty government was often attacked by Liao and Xia, and the military expenditure and indemnity expenditure were very large, in order to make up for the lack of issuance of 'bonds'. What was originally an expedient measure for emergencies gradually evolved into a habitual means of depriving salt merchants of their interests and collecting people's wealth. Now because Cai Jing has repeatedly changed the banknote law and lost his credit and collapsed, Wang Hao had to abandon the salt banknote law after coming to power and change it to free circulation in the market.

Although the salt money has become notorious, but Zhao Ta also saw the positive side, he knew that the war against Jin would be a protracted war, which would require a lot of financial support, and once the war expanded, it would be necessary to expand the armament war, and the salt introduction of this kind of 'bond' could play a role in fundraising, so he didn't want to give it up, but wanted to take it into his own hands

!