Chapter 338 Banks

The people of Shaofu, as long as they are excellent and attentive, are now able to understand the word economy. In addition, they also realized that the core of the emperor's spending money was to give the people a way to make a living.

It's like the city that never sleeps, what's the use of this thing?

But the Shaofu all supported it, because they all understood that it was precisely because of this construction that many people had the opportunity to work, and they could receive wages every day.

Therefore, the word economy is the core of their understanding of the emperor's thoughts, and if they want to ask what the core of the economy is, Song Heng and Zhang Chi also know it, that is, the means of making a living.

"I understand that the industry that Your Majesty is talking about is actually a collection of means of livelihood. The last time I met the saint, I told Your Majesty that now three or four out of ten people in the prefectures and prefectures of Beizhili are selling their fields and entering the city. In the future, the number of people who farm will gradually decrease, and it is unrealistic for so many people to choose to work and build more cities that never sleep. So His Majesty mentioned the word, industry. ”

To put it simply, for example, silkworm reeling, cloth making and dyeing, these all need to be manual, and then the cloth and clothes are sold, forming a cycle, so that the number of workers who are busy with these tasks every day is stable, and there is no need for the imperial court to spend extra money to maintain the employment opportunities of tens of thousands of people. Moreover, such as the water and clouds, the little two, cook, and pianist used by it are also fixed. ”

Zhang Chi understood when he heard this, "Industry...... In this way, we actually missed it when planning, after all, so many people live in Beijing, there must be a job. Therefore, Brother Song means that the small workshops in the capital should also be divided into a centralized area. ”

"Not bad."

……

They talked a lot about it that night,

Even the next day, when the sun shone through the window, they still didn't feel sleepy.

In the end, Song Heng's wife couldn't help it, and she didn't want to be that kind of disobedient strong woman, but she was really worried that her husband didn't sleep all night, and finally knocked on the door of the study.

Reminded softly, "Husband, seeing that it's time for you, why don't you have a breakfast, take a break, and wait for a later time to continue?" ”

The three of them yawned and stretched their somewhat stiff waists, but in fact, they were still unsatisfied, and Song Heng still didn't give a good face, "We're busy with business, what do you have to say about a woman?" Just go and tell the kitchen to bring some porridge, and you don't need to say anything else. ”

Zhang Chi was embarrassed, "Mrs. Sister-in-law, it's really annoying." This matter is really very important, Brother Song also wants to report the results to His Majesty as soon as possible, and Mrs. Song does not have to worry about us. ”

Song Heng's wife actually has a temperament like an orchid, and her melon seed face is thin and white, like a gentle woman raised by a big family, she just taught her husband such a lesson, so she looks pitiful.

Song Heng may have stayed up too much, and probably felt that he had a friend, and his wife really didn't give him face when he came out like this, so he still said impatiently: "Why don't you go soon?" ”

"Yes." Mrs. Song didn't dare to say more, so she bowed down and left.

She turned around and walked into the yard just in time to bump into her sister.

"Brother-in-law, what do they say?"

Mrs. Song looked a little sad, "I haven't slept all night, and I don't know how long I have to do it." If this continues, the good people will also get sick. ”

The younger sister of the Song family raised her eyebrows, "There are not many officials, but the battle is not small." I don't know, I think it's a national policy related to the country. ”

"Shh Mrs. Song patted her sister, "Be quiet, so that your brother-in-law hears it, and he can't scold you?" ”

"Okay."

"You follow me to the kitchen. In this case, we can only make some qi and blood replenishment for them. ”

"Sister, is my brother-in-law like this when I met Your Majesty once?"

"Yes."

"That's it." The sister of the Song family approached and whispered: "I secretly mentioned the current saint with the sister of the Wang family before, and I knew that he himself is very diligent in government, so the officials in the court, if they are not summoned alone, it is fine, if they are summoned, it must be busy going out early and returning late every day." You see, their biggest official in the Shaofu is so busy that his daughter-in-law can't take care of it every day. I see, my brother-in-law is choking enough, so you have to tell your brother-in-law that this can't be sustained. ”

Mrs. Song was startled when she heard this, and said a little overwhelmed: "...... Then Your Majesty, you can't toss people like this, right? ”

"Ouch, that's hard to say. Sister, you're stupid. Now Your Majesty wants to govern the country well, Daming is so big, so many people, it's not easy to manage, of course you have to be so busy. ”

"Your brother-in-law can be valued by His Majesty, of course I am also happy. But I always forget to sleep and eat, and if I get sick, it won't work. If that's the case, I'll talk to him sometime. ”

"Yes. It's a pity that we don't dare to say these words to the emperor...... The brother-in-law must listen to the emperor the most. ”

"Your Majesty?" Mrs. Song didn't dare to think about it, "Your Majesty...... High. And you can't talk nonsense in front of the emperor. ”

The little girl stuck out her tongue, "Of course I know that you can't talk nonsense in front of the emperor." I'm just talking about it. ”

……

Song Heng, Song Yue and Zhang Chi really simply took a sip of millet porridge and continued to discuss. After a night, they had a general consensus on the layout of some functional areas in Jingshi.

In this way, the conditions are met for landing on the graph.

This job was done by Song Yue.

The existing structure of the Jingshi is in his mind, and the house of the pen is slightly outlined, the river, the bridge, the house, the city wall...... The appearance near Zhengyangmen is already impressive on paper.

……

After another two days, Song Heng fixed his 'work results' and brought them to the palace.

Zhu Houzhao was also shocked when he saw the picture for the first time, to say that the ancients wrote articles and paintings more carefully, writing articles is a typo, and painting is not visible.

"You actually landed it on paper!" The emperor walked down directly from the dragon chair, and then commanded the little eunuch, saying, "Go, go outside the hall, the light outside is good." ”

The emperor took the lead, and Song Heng followed behind him all the way, explaining: "The minister also thinks that this is convenient for His Majesty and the people to be able to see clearly at a glance. ”

"Good, good." Zhu Houzhao is not stingy with his praise for this, "This should have taken a lot of thought, right?" Haven't closed your eyes for a few days? ”

Song Heng did not deny it, "The matter of eating the king's loyalty to the monarch is what Weichen should do." ”

When he got outside, Zhu Houzhao pinched his waist, and as soon as he stretched out his hand, he pointed and said, "To the west is the academy and the women's medical hall, and in the east corner is the city that never sleeps, and then down is your new plan, right?" Streets, shops, houses...... What are those red dots one by one? I see that they are all at the mercy of horizontal and vertical laws. ”

"Your Majesty, that's a private school." Song Heng explained: "Weichen wants to come and go, if you want to rent and gather the people to pay money to build a house, you have to use a private school to attract them. And at present, the private school of Jingshi itself is also a more and more serious problem, many people have money to work, and they want their children to study and take the imperial examination, but so many people are pouring in at once, and the private school is really not enough. ”

Zhu Houzhao grew his mouth, "It's really the same way...... Maybe this is the fate of our Han people. ”

"What did Your Majesty say?"

"Nothing. Where can I ask for a private school teacher? ”

"It's just right for people from all over the place."

Zhu Houzhao understood, "You mean those who didn't pass the exam." ”

"Yes, if you don't pass the exam, you can find a private school as a teacher in Beijing Normal School and prepare for the next subject, isn't it great?"

"In a few years, there will be fierce competition among teachers in private schools."

Song Heng laughed with him, "The capable go up, and the mediocre go down." However, the minister was a little worried that this method also had flaws, that is, the houses built earlier by people from different families may be different. ”

"It's okay if it's different." Zhu Houzhao didn't care about this, "As long as it's not a dilapidated house, I don't care what the people make their houses look like, besides, isn't it very monotonous to be the same?" ”

"There are also some people who may not have enough money."

"The court can lend it to them." Zhu Houzhao blurted out, "They have ten taels of silver, and then ask the court to borrow five taels of silver, and the five taels of silver will be returned in installments, isn't it okay?" It's called a bank. ”

"What is a bank?"

"It's a combination of a pawnshop and a money bank. They used the deed or other valuable things as collateral, and the court lent them silver taels, and when they returned it, in addition to the principal, they also had to repay the interest, and the interest should not be so high, just earn it. ”

Zhu Houzhao knew that this matter could not be explained in one or two sentences, so he affirmed this practice first, "The idea of a private school is good." The vacant land in Jingshi must be controlled, and all of it will be placed under the jurisdiction of the Planning Department, and I will allocate some more manpower to you, and those who indiscriminately occupy the land in Jingshi without permission will be punished. And it doesn't have to be all built for the people themselves, Shaofu can also build houses, build them and sell them, won't you see the money back! ”

Song Heng said: "The minister is worried, there is too much silver......

"You can borrow money too. Since there can be institutions that lend money to people to build houses, why can't they lend money to commercial organizations to build houses? Just pay the interest according to the rules! ”

Zhu Houzhao patted his thigh, so that Zijingshi had a feeling of development!

In fact, it is not easy to get the kind of relatively high-end economic development of scientific invention as soon as it comes up, everything is easy first and then difficult, there is no threshold for building a house, he let the small economic circle of Jingshi turn up, there are hundreds of thousands, millions of people in the market, and then to encourage the so-called 'science and technology products' is possible.

A new invention and creation sold a million copies in Jingshi, it is a new wealth myth, when there is such an atmosphere, there is no need for him, the future generations, to think about anything, the ancients full of wisdom will create good things.

He is only responsible for improving the soil, and as for what grows in the soil, he can't control it, and it's better not to control it, because if he controls it, he may miss some 'good fruits'.

Regarding the bank, Zhu Houzhao felt that there was no need to go to Song Heng again.

First, Song Heng's own things are very challenging, and it is not easy to do it well, and secondly, Song Heng is the first time he has used it, and he has to see how it is.

So he had to find someone else.