Zhao Guanjia's speech was warm and encouraging. By the time he finished, the congregation officers were in a good mood. Retired Major Zhao Qian's heart was full of uneasiness and questions, but he didn't dare to come out and stay in the corner.

Li Yun watched Zhao Guanjia finish speaking, got up and said, "Do you have anything to say?" ”

The generals talked a lot, and no one spoke for a while. All kinds of thoughts were jumping around in Zhao Qian's mind, and for a while, he also turned a blind eye and heard nothing. Many people in the Great Song Dynasty have made a fortune over the years, and Zhao Qian knows this very well. For example, Li Yun, who spoke, was very honest and honest, never asked his subordinates to pay tribute, nor did he allow his subordinates to blackmail the soldiers in the slightest. But the Li Yun family has made a lot of money. Li Yun's father, Li Hongjun, earns a lot of money just by relying on annual maritime trade investment.

If Zhao Jiaren meant to let these generals with no background go in and share the pie, God knows what the result would be. Anyway, Zhao Qian himself is not optimistic at all. Over the decades, families who have had the opportunity have flocked to the top and put down roots in various fields. Even Zhao Qian's cousin went to Shikoku Island, where birds don't lay eggs, and relied on pearls to raise and trade, and also made a lot of money.

In the past few years, Zhao Qian's mother's pearl jewelry has to be one centimeter in diameter, which is all Zhao Qian's cousin is willing to pay tribute to his aunt. If Daddy dared to send this business to a general's family, Zhao Qian believed that his cousin would definitely run to Empress Qin to cry.

Zhao Qian felt that even he understood something, how could his father make such a mistake?

The list of those families in the Great Song Dynasty flashed in Zhao Qian's mind one by one, which made Zhao Qian more and more uneasy. Each family has a similar place, their family has its own business, and there are also family members who are officials in the imperial court. In contrast, the generals of the Great Song Dynasty military climbed up by their own efforts.

Thinking of this, Zhao Qian suddenly felt that he understood why the military refused to let go of the power to kill. If even the huge voice in the judicial power that it once had was lost, the Great Song military would have nothing.

Dad can see the problem and dare to talk openly to the military directly. Zhao Qian felt that his father was really terrible, Zhao Qian had been involved in this matter for a while, and what he saw was only the skin, and he was still far from the fundamental contradiction.

After thinking about it, the meeting was over. As the soldiers got up to leave, Zhao Qian found that he hadn't heard anything specific from the military at all. But Zhao Qian didn't care, he felt that it didn't matter what the military said. As long as Daddy really wants to open such a direction, there will definitely be a huge shock in the Great Song Dynasty. When the time comes, I am afraid that the civil officials will jump three feet high.

The people were almost gone, and Zhao Qian arrived at the father who was still talking to Li Yun in the venue, and Zhao Qian was far away, but he couldn't actually hear what everyone was saying. When I approached at this time, I heard Li Yun say in a low voice: "Official, I don't think everyone is really in such a hurry......

"What's wrong with pursuing a life of affluence." Zhao Jiaren interrupted Li Yun's words with a smile.

Zhao Qian was even more uneasy in his heart, and his father's attitude was too unusual. Although there is nothing wrong with this, the attitude of these people is very problematic. If the official family succumbs to the pressure of the military, what follows is afraid that it will be a bloody purge. But after thinking about it, Zhao Qian suspected that he might be thinking too much. I am afraid that this is just a glass of wine to release the military power. Song Taizu Zhao Kuangyin did this once in Kaifeng, and Zhao Jiaren just made history repeat itself.

After saying a few words, Zhao Jiaren left first. Following his father back to his residence, Zhao Qian saw that the guards of the guard regiment were indeed guarding all the entrances tightly, and no one would come to eavesdrop. He closed the door, sat down next to his father, and asked in a low voice, "Dad, do you want a glass of wine to release the military power?" ”

"Deprive them of their military rights, and still use this kind of trick?" Zhao Jiaren said with a smile.

Zhao Qian believed a little, and a little didn't believe it. Without waiting for him to speak, Zhao Jiaren said: "Da Lang, you are the first president of the Veterans Counseling Association, and I want you to do something now." You go to the grassroots level and explain clearly to the officers and men the matter of tutoring retired officers and soldiers. It's not an easy thing to do, do you come up with a plan yourself first, or do you listen to my plan first? ”

If it was before, Zhao Qian probably immediately chose to listen to his father's plan. At this time, Zhao Qian found that he was not interested in this, so Zhao Qian asked in a low voice, "Dad, I want to hear why you are doing this?" ”

"Times are different, and the military needs to adapt to the situation. If it hadn't happened, I really wouldn't have noticed that this was the case. After speaking, Zhao Jiaren couldn't help but smile bitterly: "Maybe it's because the financial situation is not good, so I deliberately ignored it myself." ”

After listening to it, Zhao Qian felt that his father's statement about the financial situation was right, generally speaking, after the world was peaceful, it should be the people's peace and security, and the treasury revenue increased. However, the current situation is somewhat similar to the situation after Qin Shi Huang ruled the world, and the Great Song Dynasty did not stabilize because of peace. The iron fist of the Zhao family still pushes the country to progress rapidly, or to begin to operate on a larger scale.

Although after the implementation of the new tax law of the Great Song Dynasty, the revenue of the state treasury increased significantly, but in contrast, the expenditure became more. As for whether the current treasury is beyond its means or has a slight surplus, Zhao Qian's level makes it impossible for him to know the specific situation. However, the construction of the Qinhuai River water conservancy project alone cost tens of millions of yuan. Not to mention the future income, when the project is built, all the wages of technicians and laborers will be paid exactly the same. There was a money manager in the middle who played tricks, and after being caught, he lost his head.

Even if the Great Song Dynasty has one billion mu of land, even if one mu of land receives a land tax that is consistently paid every year, it is only one billion yuan. Under the consumption of large-scale projects across the country, it will not last long.

Thinking of this, Zhao Qian said anxiously: "Dad, I think it's better to take the national policy of recuperation now." ”

"Recuperate? Hehe! Zhao Jiaren laughed out loud.

Historically, agricultural countries have recuperated, but the result has been rapid decay and decay of the country. With the political level of the Great Song Dynasty, in addition to the internal and external technical level is not as good as that of South American countries, the pure political level is not better than that of South American countries in the 19th and 20th centuries. History has proved that the result of the so-called recuperation and recuperation is that there is no vast and fertile land and abundant resources, but the country has no stability at all.

This is in contrast to the industrial countries, which, from the very beginning of their establishment, did not have a policy of 'rest with the people'. But no matter what turmoil those industrial countries encountered, they survived. As for New China, Zhao Jiaren has the same view as the industrial party in the new era: if there were no social movements and propaganda of all kinds, I was afraid that New China would end up with the Soviet Union.

It is one thing to protect the basic rights and interests of the people, but it is another thing to enable talent to emerge through competition. The phrase of resting with the people is a backward means under the model of backward productive forces and social organization.

Zhao Jiaren took a sip of the teacup and asked Zhao Qian: "Do you think the money is spent, is there no more?" ”

Zhao Qian was stunned for a moment after hearing this, and soon remembered the currency multiplier effect and the currency withdrawal system. He could only shake his head.

"Money represents advanced circulation, and paper money is more advanced. You've been at the grassroots level and you've seen people buy all sorts of industrial goods that they never dared to buy before. I ask you, why are they buying? ”

“…… Because those things work well? When Zhao Qian answered, he felt that he had been in vain at the grassroots level, and he really didn't think through this question.

"Those things can increase their productivity!" Zhao Jiaren spoke slowly almost word by word.

Zhao Qian originally knew this, but as soon as his father said it at this time, plus all the things he had seen before, Zhao Qian suddenly realized.

Zhao Jiaren said to himself, "The circulation of money has improved the production efficiency of these people, otherwise how can the produced things be sold?" How can you find the right trader for barter? This is the significance of the general equivalent of money. Currency is useful! But when society can't maintain a monetary system, it's useless for you to have gold and silver. In a famine year, it is easy to eat. ”

Zhao Qian couldn't help but nod again and again. But he soon found out that this seemed to have nothing to do with Daddy's request, and that Daddy was now promising the generals a prosperous future, but was it because he had to give money?

"Therefore, I never forcibly squeezed labor in the mode of forced labor, but used the method of giving money and sending supply and marketing cooperatives to various places to let everyone exchange the money exchanged for labor money for industrial products that can promote their production efficiency. Industrial production is not in the hands of those families, but in the industrial production system run by young cadres like you, who have studied mathematics, physics and chemistry. I never allow anyone to touch these areas. But now, it's time for someone to add new fish to this pool and stir up the silent pool. Zhao Jiaren told his son.

Looking at his son's expression, Zhao Jiaren felt that his son seemed to understand. He smiled: "You don't think I'll let the retired generals go to the Wa Kingdom to raise pearls, do you?" ”

Zhao Qian didn't expect that his father also thought of the business of Queen Qin's family, and felt that the father and son really thought of it together. Then I heard his father continue: "Although the pearl business will also send people, it is inevitable to send some retired soldiers to the Japanese country. ”

"Why?" Zhao Qian was shocked. Unexpectedly, Dad still wanted to let the retired soldiers snatch food from the mouths of civil officials and early Conglong Zhichen.

"You. Forget it, you really don't know. Zhao Jiaren sighed: "There are some things I think I have to talk to you about." Do you know where the gold and silver that we have used as monetary reserves all these years have come from? ”

Zhao Qian shook his head like a fool and said that he didn't know, and suddenly he was blessed to the heart and took the initiative to tell the truth, "I don't understand the reserve fund system." ”

Zhao Jiaren was not angry, and first talked about the reserve fund system. Reserves are the proportionate deposits of cash in the inventory of commercial banks with the central bank. The purpose of introducing reserves is to ensure that commercial banks have sufficient solvency in the event of a sudden withdrawal of large amounts of bank deposits. After the 30s of the 20 th century, the statutory reserve system has also become an important means for the state to regulate the economy, and it is a system in which the central bank controls the credit scale of commercial banks. The amount of reserves and the level of the reserve ratio of commercial banks controlled by the central bank affect the scale of bank credit. This system stipulates that commercial banks cannot lend out all the deposits they have absorbed, but must either deposit them in the form of deposits in the central bank in a certain proportion or keep them in the form of cash in hand. The ratio of reserves to total deposits is known as the reserve ratio

Zhao Jiaren himself had only heard of this before, for example, the US Federal Reserve and the People's Bank of China often adjusted the reserve ratio, and each adjustment can cause great volatility in the world's financial markets.

After arriving in the Great Song Dynasty, Zhao Jiaren didn't care about this. When he had to use the banking industry to run the country's finances, he soon discovered that insight, which is hearsay, is also very useful.

After talking about the reserve system, Zhao Jiaren turned the topic to the Wa State, "Over the years, we have brought back hundreds of tons of silver and dozens of tons of gold from the Wa State every year. After the adoption of the metric system, our banknotes were linked to silver and grain. Money can be exchanged for silver from the state treasury, and grain and various industrial products sold to the people are not collected for silver, but only for money. So can you understand how much money we have issued when we use silver as a 10% reserve? ”

Zhao Qian was stunned. He doesn't use finance, he just knows that the current price of banknotes is strong, but he doesn't know the operation mode behind this strength. After thinking for a while, Zhao Qian asked, "Dad, are you going on an expedition to the Japanese Kingdom?" ”

"Cut!" Zhao Jiaren was a little dissatisfied, "Mongolia has been looting in the Great Song Dynasty for so many decades, when you joined the army, what really valuable homes did you see?" ”

Zhao Qian thought about it carefully, except for gold, silver, copper coins and bronze utensils, he really didn't think that he had seen any terrible spoils in the war in those years. Anyway, Zhao Qian never searched the corpses of enemies for loot. As long as his subordinates did not directly search for things from living captives and civilians, Zhao Qian handed over the work of cleaning up the battlefield to his subordinates. He never cared what his subordinates found. At the beginning, the subordinates also tentatively asked Zhao Qian if he wanted to draw some lottery, and to see if Zhao Qian really didn't want it, everyone set their own rules and solve the distribution by themselves. Zhao Qian has a very good reputation.

"So, looting is a very inefficient thing. Dalang, you remember this clearly. Every year, we in Da Song rely on doing business and trading hundreds of thousands of ships of goods from overseas. If you go on an expedition, you will count all the rags, and you will not be able to fit more than 10,000 large ships. You've seen our seagoing ships, and you know which ones are really big. ”

Of course, Zhao Qian knew how big those ships were, and now the newly built ships are getting bigger and bigger. The bigger the boat, the more it can be transported and the faster it will run. However, Zhao Qian found that he had an idea that was different from his father's, and he felt that looting seemed to be more efficient than doing business.

But recalling the situations he saw, Zhao Qian found that what his father said might be right. At least those who run the sea never ask for money from the imperial court, and they have to pay taxes to the imperial court. The hundreds of thousands of troops in front of us consume tens of millions of military expenses every year.