Chapter 280: The Idea of Creating a Bank (2)

As soon as Guo Tianyi gave an order, the entire Qiu County was boiling.

"Did you hear that? A big man came and put the county master in prison! ”

"Damn, really?"

"Really, that Qian Lao Liu is also unlucky, Qian Lao Liu's manor is surrounded by officials, and it is said that someone is checking the accounts..."

"Audit? What kind of accounts to check? ”

"Didn't the imperial court levy personal income tax? Like Qian Lao Liu, he must have concealed his income? ”

"Haha, that's cool, isn't it? It seems that a landlord like Qian Lao Liu should be investigated..."

"I also heard that the master of Qian Laoliu's house was beaten up before he took out the yin and yang account book."

", this melon is big enough, what is the yin and yang ledger?"

"As the name suggests, it is to deal with the inspection on the bright side, and the other book records the real income..."

"I see that Qian Lao Liu is hanging this time."

"I think too..."

The people of Qiu County, the most discussed thing today is about the county magistrate being imprisoned for his inaction and the investigation of Qian Lao Liu.

Originally, Qiu County was not big.

After Qian Laoliu's accident, there were still a few people who were also panicked at home.

That's right, they're right to be worried.

After checking Qian Laoliu's mansion, they were also inspected.

The process of reconciling the accounts was unusually smooth.

There is also the cooperation of the local Jinyi guard, not to mention how smooth it is.

"Your Majesty, after verification, this money Lao Liu has indeed falsified the accounts, his family property has more than three million yuan, and he only reported one million yuan..."

All assets are calculated by converting Wude Tongbao.

It is not too much to have several million landowners in a county town.

The total amount of land and industry under its name is more than 3 million.

However, in order to evade taxes, Qian Lao Liu created a yin-yang ledger.

"Confiscate the property of the sixth family of Qian Laoliu."

"Tomorrow's parade, three days of exposure."

"Set an example."

"What about the rest of the landlords?"

Guo Tianyi looked at Fan Xiong and asked, "Are the others abnormal?" ”

Fan Xiong arched his hand and responded, "Your Majesty, except for the two who lied less, the rest of the people did not lie. ”

"That's good." Guo Tianyi said lightly, "The family property of these people who lied will also be confiscated. ”

"No!"

"Minister, let's arrange it."

After Fan Xiong left, Guo Tianyi looked at the two young men and said, "You are the local Jinyi Wei Baihu?" ”

"Back to Your Majesty, the villain's name is Dong Xingbang, this is the villain's younger brother Dong Zhiguo."

"Oh?"

"You two are good names." Guo Tianyi said solemnly, "In your days in Qiu County, how is Tao Derun in this county?" ”

Hearing this, the two brothers glanced at each other, and the elder brother Dong Xingbang said respectfully, "Your Majesty, if you say that Tao Derun is mediocre, it is not mediocre, but this person is too tactful, after all, people are old and refined, as long as they don't violate the law of Dafeng, he will act according to the law..."

"Your Majesty, you have also seen this person's family background." Younger brother Dong Zhiguo continued, "Tao Derun is a disciple of Confucianism, Confucianism was suppressed too much some time ago, he basically doesn't go out, and he also cuts down on food and clothing on weekdays, this person has no signs of corruption, even if it is a gift from those landlords and gentry, he also gave it to the temple..."

"Your Majesty, this person still believes in Buddhism, although he is a disciple of Confucianism, he likes to go to the temple very much..."

"Your Majesty, as for the rest, it's nothing, Tao Deming only married a wife and had a son, and his son was out of town..."

After the report of the Dong brothers, Guo Tianyi also understood Tao Derun's situation.

This old thing has been an official for too long and has lost its vitality.

It seems that it is necessary for him to rectify the grassroots officials.

Tao Derun, let's close it for a few days.

Moreover, Guo Tianyi also thought of some things.

For example, why did the landlords unscrupulously lend usury?

The people of the people, there is no place to borrow money?

The places where you can borrow money, except for pawnshops, are some grain stores.

However, there must be a mortgage.

If you go to the grain bank to borrow money, you have to use the land as collateral.

When you go to a pawnshop, people only accept some valuable things, such as antiques, calligraphy, paintings, gold and jade.

Vigorously developing the economy by oneself has cheapened the old wealth of these landlords.

As...

A central bank?

In the future, you can conquer the world, and you can also open banks all over the world.

It's a good way to get money.

With banks, the treasury does not have to worry about running out of money.

In addition to Wude Tongbao, paper money can also be issued.

For example, it is not convenient to carry silver, but it is much more convenient to have a silver ticket.

He has the most advanced printing technology, so Mo Feng and others can design a complex mold, and the silver ticket is also doped with some metal into it, and ordinary people can't imitate it if they want to.

Moreover, each silver ticket is numbered.

The number, like an ID card, is unique.

If you want to fake, it's even more impossible.

In the law of Daebong, financial law must also be added.

It is forbidden for the private sector to privately issue usury loans that exceed four times the interest rate of the bank.

Jinyiwei has a well-developed intelligence system that can be integrated into the banking system.

Then set up a credit system.

For example, if someone borrows money and does not repay it, he can block his credit report.

Their children and heirs are not allowed to participate in the imperial examination.

If there are assets in his name, they can be directly seized by the government.

interest, but a few percent.

Don't look at the interest rate of a few percent, the population of Dafeng is too much.

With a population of hundreds of millions of people, there is also an interest rate on saving money, and the money rolls over the money, so won't there be more money?

People in this era have little understanding of finance.

His financial knowledge is only at the level of ordinary people in later generations, but in this era, it is enough.

Thinking of this, Guo Tianyi decided to do it.

"Let's stand down."

"No!"

The Dong brothers saw Guo Tianyi pondering for a long time, and they didn't dare to disturb at all.

At this moment, Fang breathed a sigh of relief and slowly retreated.

It was also the first time they had met His Majesty.

Not to mention how nervous it is.

In addition, the brocade guards in many places have been dealt with before.

They are also worried that they will be found out when they have done something ridiculous.

Fortunately, both of them are incorruptible and have not done anything unclean.

This also made the brothers sound the alarm bell.

There are gods three feet above their heads, people are doing it, and the sky is watching.

As long as you walk upright, you will not be afraid of the punishment of the law.

On the same day, Guo Tianyi repaired a book.

The idea and general concept of CCB were sorted out and sent to the cabinet.

"I'm afraid that the head of the household is going to be bitter again."

"To open a bank, the upfront expenses and personnel reserves are not a small amount."

"But it's nothing..."

Guo Tianyi smiled and went to rest.

The addition of new financial laws and the opening of banks are inevitable.

You have to do it yourself.

The other side.

The news of Guo Tianyi's arrival in Huai'an Mansion spread quietly.

The movement in Qiu County is too big.

As soon as the word spread, the merchants who were doing it brought the news to the city.

Huai'an Hou Mansion.

"Ma'am, ma'am..."

"Your Majesty actually paid a private visit to Qiu County, do you think we want to go to meet Your Majesty?"

Huai'an Mansion, who was in his fifties, was in excellent spirits, and hurriedly found his wife and asked.