In the afternoon, at the Huangjianzui Teahouse next to the Suzaku Gate on Yujie, Fan Ning invited Zhao Zhongzhen to drink tea in a private room on the second floor.

Fan Ning said lightly: "Your Highness knows what it means for the official family to crown you king?" ”

Zhao Zhongzhen nodded, "It is precisely because I know that I feel a lot of pressure, and the imperial grandfather has great expectations for this army change, if the change fails, it may disappoint him very much." ”

Fan Ning smiled and said: "This is actually an exam, whether you can become the king of Zhongxing in the hearts of the official family depends on how you answer the questions in this exam." ”

"Please teach me!"

Fan Ning thought for a while and said: "I think you have to learn to communicate first, the official doesn't really care about the result, he wants to understand the process, the first thing you have to do is to draft an answer outline, tell the official in detail, where you plan to start, and then you write a detailed report every other month, tell the official, what difficulties you have encountered, how you solve them, how the effect is, where you have done enough, how to make up for it, etc., the more detailed the better, after a year, when you have written thirteen reports, your status will be determined, It doesn't really matter if the change is successful or not, you know what I mean? ”

Zhao Zhongzhen thought about it for a while, but still didn't quite understand the meaning of Fan Ning's statement that 'it doesn't matter whether the change is successful or not'.

Fan Ning saw that his eyes were a little confused, and continued to wake him up: "Frozen three feet, not a day's cold, the army has accumulated shortcomings for a hundred years, if the law is changed too violently, too eagerly, the Great Song Dynasty will not only hurt the muscles and bones, but even shake the country's foundation, in fact, among all the changes, the best and the most difficult to change are the army, saying that it is the best to change the law, because the army does not have too much power, they can only passively accept, and can not modify the content of the change, or can not form a strong resistance force within the court, at most they are unwilling to change, In this case, as long as the person is replaced, the change can be continued.

It is said that it is the most difficult to change, because the risk is too great, there are enemies like Khitan and Western Xia outside, and there will even be extreme events such as mutiny, and the official family is also very aware of this, so the success of the change is an unexpected joy, and the failure of the change is also reasonable, the official family is concerned about the process, whether you are breaking the kettle and comprehensively reforming, or step by step, looking for weaknesses, and breaking through, he wants to understand your method of doing things, ability and determination to change the law. ”

Zhao Zhongzhen was convinced, and said: "I understand, thank you for your teachings!" ”

"And how are you going to write your first report?"

Zhao Zhongzhen thought for a while and said: "I want to write a few steps, find a breakthrough, and then write out the time arrangement, and then write some other things, such as forming a yamen, selecting some backbone officials, etc., the outline is nothing more than such a thing, so that Jun feels so?" ”

Fanning still shook his head, "This can be written, but it is not the first thing to be handed over to the official family." ”

"And what should I pay for the first one?"

Fan Ning smiled slightly: "The first one you should write about what you have done in the past two days, such as writing about our first meeting now, writing about what we talked about, and then writing that we went to visit Han Qi and wanted to get some money, food and land, hoping to get the support of the Zhizheng Hall, and then wrote that you went to visit the Cao family and the Gao family, hoping to get the support of these army fathers, and then wrote that we went to the money shop and discussed with the money shop the possibility of opening a separate account for the soldiers, and you also wrote that you went to the barracks to visit the generals and low-level soldiers, Understand their hardships and needs. ”

Zhao Zhongzhen understood, "What does the envoy mean, my first report is to write my preliminary investigation and preparation, right?" ”

Fanning nodded, "Exactly!" Only when you do sufficient research and research can you write a plan and outline for changing the law that you can be convincing, and this is the right way to do things. ”

Zhao Zhongzhen became a little excited, "I understand, so where do we go now?" ”

Fan Ning pointed across the street and said with a smile: "Opposite is the Zhu family's money shop, which is my wife's dowry industry, let's go to the money shop to find out about the account opening." ”

.........

Fan Ning paid for the tea and took Zhao Zhongzhen to the Zhu's money shop on the other side of the street, and the shopkeeper Liu greeted him when he heard the news, and invited Fan Ning and Zhao Zhongzhen to the back hall, Fan Ning introduced him: "This is His Royal Highness King Liang, come with me to understand the operation of the money shop." ”

King Liang is a prince, and King Liang is one level worse, but ordinary people will not be so clear, just like introducing the deputy director to others in life, he will never bring a deputy word, and this is the reason why he is full of wine and respect.

When the shopkeeper Liu heard that it was the prince of the royal family, he hurriedly bowed and saluted, and Fan Ning smiled at Zhao Zhongzhen again: "The shopkeeper Liu has been a big shopkeeper for 30 years, and he is the leader of the money shop, basically from him we can determine whether our plan can be implemented." ”

Zhao Zhongzhen also smiled and nodded, "I'm going to trouble Liu Da Shopkeeper today." ”

"Where! Where! It is my pleasure to do things for the proprietor and the little prince, please sit down and speak. ”

Fan Ning and Zhao Zhongzhen sat down in the back hall, and the shopkeeper Liu let people serve tea.

Fanning smiled: "Do you remember the last time I talked to you about the soldier's account opening?" ”

The shopkeeper Liu was stunned, "The proprietor, don't you really want to implement this matter!" ”

Fan Ning smiled and shook his head, "It won't be fully implemented, maybe a test site will be chosen, the box army on Jingdong Road, about twenty or thirty thousand people, is ready to send the military money directly to everyone's account in the money shop." ”

Shopkeeper Liu thought for a while and said: "I also said last time, the difficulty of this matter is that the scope is too wide, the soldiers come from all counties in the world, and it is a bit unrealistic to open accounts for soldiers in each county. ”

Zhao Zhongzhen became interested, and hurriedly said: "The big shopkeeper will talk about it specifically." ”

"First of all, it is not realistic to let the family withdraw money, the money shop should also consider the profit and risk, recruit a few people in the small county, open a small money shop, on the one hand, there is no profit, on the other hand, the risk is too great, the guy embezzles or rolls the money away, we can't control it, so, I still advocate sending it directly to the soldiers, because the soldiers are generally stationed near the more important big cities, so that the money shop can be promoted, open an account for each soldier, there is no problem at all, and then the soldiers return to their hometowns to visit relatives, and they can exchange the money into silver and bring it to their families, The proprietor also said before that the opening of the account is to prevent the general from deducting the army, in fact, as long as the money is sent to the money shop account, you can avoid deducting it. ”

"What about the second option?" Fanning asked again.

"The second plan is that we open a money shop in the big city of each state, and then cooperate with the local money shop, and the imperial court will give us the military money, and then we will distribute it to the states, and the branches in each state will transfer the money to the local money shop, which can also be done, but it is more cumbersome, and it requires a lot of big money shops to participate together, and one can't do it."

Fan Ning shook his head, "Now I don't mention the whole army, just talk about the pilot of the Jingdong Road Army." ”

Shopkeeper Liu thought for a while and said: "The Xiang army is a local army, and the soldiers are all local residents, both plans are fine, but I personally prefer the first plan, which is relatively simple." ”

Zhao Zhongzhen recorded the minutes of the conversation while flying a pen, and said: "I also tend to the first plan, anyway, there are only nine military camps, all of which are stationed in relatively large states, and Zhu's money shop can open nine branches, which is simple and effective." ”

After a pause, Zhao Zhongzhen then smiled again: "Do you want to make some restrictions on the money in the account?" The main thing is to prevent the soldiers from squandering on their own, and it is better to leave a little for their families. ”

Fanning shook his head, "This is not necessary, the restriction will make the soldier have doubts about the money shop, whether it is thrifty is a matter of personal character, it is meaningless to restrict the withdrawal of money, he can borrow money if he can't take it, in the end it is the same thing, I think it is better to withdraw money freely and save money." ”

Shopkeeper Liu pondered for a moment and said, "If it is the proprietor who implements this matter, then does the Zhu family's money shop want to avoid it?" So as not to be criticized and said that the proprietor uses power for personal gain! ”

Liu Da shopkeeper is really worried, he knows that the interests here are too great, and the annual military expenditure is the largest expenditure of the imperial court, which involves the purchase of goods, material procurement, military manufacturing, military camp construction, logistics support, etc.

Take out the money shop and give it to the money shop, then the army expenses will be handed over to the money shop one after another, it will be an amazing amount of money, and other money shops will definitely be extremely blushing.

He knows that every big money shop has a background behind it, like the Zhang family's Jinqiao money shop, which is currently the largest money shop in Yingtianfu, and the Zhu money shop that just entered Yingtianfu took over this big list, and the Jinqiao money shop will definitely jump.

He feared that the proprietor would be attacked at the imperial court.

"There's no need for that!"

Zhao Zhongzhen decisively denied the worries of the shopkeeper Liu, "I will report to the Son of Heaven, and with the consent of the Son of Heaven, I will say that it is the intention of the Son of Heaven to choose the cooperation of Zhu's money shop, and no one dares to say anything." ”

Fan Ning also smiled: "The building near the water has the first month, and it is normal to let Zhu's money shop participate in advance, I don't care about other people's criticism, but the implementation of Jingdong Road is imperative, and Zhu's money shop has to prepare in advance." ”

Shopkeeper Liu nodded, "I'll start thinking about it today!" ”8)