Chapter 311 Financial Lending
Wang Shu was quickly recalled from Tanzhou, and at the same time, Xiao Ming appointed Liu Guangshi as the deputy envoy of the Privy Council, and Wang Xie was promoted to the auxiliary minister of the Privy Council! Wang Shu has made a major move as soon as he returns! The military circles have officially begun to integrate!
First of all, he restored the Hebei Zhaofu Division and the Hedong Economic and System Division, Zhang Suo was appointed as the Hebei Zhaofu Envoy, and Fu Liang was appointed as the Hedong Economic and Strategic Envoy, and began a large-scale military reorganization war, and at the same time introduced the 21st New Military System! The army of the entire Great Song Dynasty began to rectify the military administration, and a large number of front-line generals were enriched to the front line of the Jin alignment in various places.
In fact, the twenty-one articles of this new army were completely handled by Xiao Ming, that is, all the mature things in the Tiger Guards were copied, and all the names of the Great Song Forbidden Army were changed, and Xiao Ming's Tiger Guards were all incorporated into active service, known as the Great Song Royal Tiger Guards, to distinguish them from the Great Song Royal Guards!
The Great Song Dynasty Forbidden Army stationed in their respective garrisons began to gradually adjust their defenses, and the purpose of the adjustment was to change their outfits and carry out necessary training, and the Great Song Dynasty Royal Guards trained by Xiao Ming were the first batch of troops to return to change their clothes, and this group of men and horses were on the front line of Yingchang Mansion, some on Jingdong East Road, and some stayed at Gaozong's side in Hangzhou.
Gaozong was still very satisfied with the group of guards around him, and wanted to stay as the royal Yulin Army, but Xiao Ming objected, he meant that he wanted to follow the progress of the war from all walks of life, and select personnel with military merits to enter the Royal Yulin Army of the Great Song Dynasty.
At present, it is a critical moment for restructuring and taking power, of course, Xiao Ming hopes that the army that controls the Gyeonggi capital is the army he believes in, so when there is this arrangement, not only that, Xiao Ming appointed Zhang Jun a very important thing, that is, Zhang Jun wants to form a military school! It was used as a talent training base for the imperial army of the Great Song Dynasty at all levels.
This matter was opposed by Zhang Jun, who believed that since ancient times, the army was nothing more than a warrior with a sword and gun, and it was enough to turn it into a warrior through formation and training, and when the soldiers were not enough, they could recruit farmers to fill the number, and the choice of generals was those who could be familiar with military books or those who had military merits to be promoted!
Soldiers have never been valued by the social class, but Xiao Ming actually asked the military academy to cultivate real, intellectual military professionals, and also to be admitted on the basis of merit, which can be different from martial arts! The selection of martial arts is civilian, while the selection of military schools is official, and the form is different.
That is to say, the candidates for the martial arts examination are from the civilian sector, while the students of the military academy are from the military! It's not that Xiao Ming doesn't want to choose those more energetic young talents from the people, but now the official and private schools of the entire Great Song Dynasty are not on track at all, Xiao Ming has spent money to run schools in Hangzhou for many years, and now only the craftsman school of the Mo family and An Daoquan's medical school are still a little improving, and other schools that rely on the use of teaching are still the answers!
The current Song Dynasty students are still accustomed to studying hard for ten years, waiting for the examination and then entering the official career, so if you want to change this phenomenon, after the reform of the government and politics, of course, it is this kind of reform of examination-oriented education! Without fundamentally changing the thinking of all Chinese officials in terms of their basic concepts, there is no way to talk about talent preparation.
And in order to change Zhang Jun's view of running a military school, Xiao Ming personally pulled him to the school ground, let him see the power of artillery and rifles with his own eyes, and at the same time his hot air balloon and big flying kite also took off and circled, and at the same time used grenades and time bombs in the field to carry out fire strikes, this amazing thermal weapon effect really shocked Zhang Jun!
Xiao Ming said to him: "In the past, it was a tactic of fighting with bows, arrows, knives and guns, but now I have killed the enemy before he gets close to me, plus the operation of artillery, the operation of flying kites and hot air balloons, and the operation of large steam warships, these weapons have changed the traditional way of warfare, how to apply the current tactics to warfare, don't you need to learn?" ”
"When I recovered the entire Liaodong, I faced hundreds of thousands of Jin soldiers, but I only had tens of thousands of infantry, but I made them kneel and surrender, it was the power of these weapons, all their iron cavalry and applied a lot of battle formation methods, but for me, I only need to push over, it is enough! What kind of art of war do you think such an army should be applied to? ”
After the drill, the Tiger Guards lined up neatly, and then stepped past Zhang Jun and Xiao Ming with guns in front of them, their eyes fierce and murderous! Zhang Jun couldn't help but praise in his heart: "What an iron army!" He finally understood Xiao Ming's words, although only a few thousand tiger guards were already able to defeat tens of thousands of people in the local area, they were so strong! So why did the Great Song Dynasty raise so many officers and soldiers? When it comes to wartime, you will have to lose the battle in a row! If there are tens of thousands of such tigers, not only can the imperial court solve the expenses, but also be invincible in the world!
After the ideological work is passed, the rest of the things will be easy to do, although Zhang Jun does not know much about military affairs, but he can be a good hand at running a military academy, and he has a lot of influence in the DPRK, and what he does will naturally get twice the result with half the effort, Xiao Ming is equivalent to putting down a big stone in his heart!
The twenty articles of the new army are inseparable from the reform of the entire military system, and at the same time, the rewards and punishments in the army have also been adjusted, the most important thing in the army is to have a sense of honor, not just to measure it by money, but there is no one who fights with Xiao Ming who does not get rich, Xiao Ming is very greedy for the plundering of the enemy's wealth, but he is extraordinarily generous to his own people! But this cannot be the soul of an army, it also needs to be maintained by a real sense of honor, and the gold medal system in the Tiger Guard is a good example!
The reform of the army is a gradual example, but Xiao Ming has laid a good foundation, so he can only wait for the results slowly, but at this time, Gaozong is very blind to the financial power in his hands, and he really doesn't understand how this Great Song Dynasty Royal First Bank operates!
Xiao Ming also needs to popularize financial knowledge for him, which is more difficult! But Xiao Ming told a well-known allusion to Gaozong, that is, the incident of Wang Anshi's change of law! In the first year of the reign of Emperor Xining of the Song Dynasty, Wang Anshi, who was awarded the title of Hanlin Bachelor, was summoned to Beijing. Song Shenzong asked him what was the most important thing in governing the country, and Wang Anshi replied that the way of choosing people was the first. Shenzong asked again: How is Tang Taizong? Wang Anshi said: "Your Majesty should follow the example of Yao and Shun, how can you compare it with Tang Taizong?" The way of Yao and Shun is simple but not annoying, to be important but not detouring, easy but not difficult, but later imitators can not be discerning, thinking that it is unattainable. ”
He also said: "Your Majesty can be honest for Yao and Shun, then there must be Gao, Kui, Ji, and Qi to help each other, Wei Zheng and Zhuge Liang He Zudao." In the second year, Wang Anshi visited the governor and implemented the law change. And the first method that Wang Anshi has become is the "green seedling method!" "What is the Seedlings Method? That is, the government came forward, first let the peasants borrow money from the government to grow grain, and then return the original loan of the government with interest after the grain was harvested, and at that time, many big businessmen and landlords in the Northern Song Dynasty were implementing such a method.
Later, Wang Anshi's reform failed, and all behaviors similar to the "Qingmiao Law" would be characterized as a "new law" and banned, so this method of the people disappeared! This is actually a step backwards! As Sima Guang said: "How can there be such a reason in the world? There is a certain number of all kinds of wealth and goods produced by heaven and earth, and if it is not in the people, it is in the officials. If you try to win over the people, the harm will be greater than the increase in taxes. "Most people at the time didn't understand it.
In fact, Wang Anshi entered the court with practical experience. His self-confidence came from his four-year experience as a county magistrate in Yinxian (present-day Yinzhou District, Ningbo, Zhejiang), a small county in eastern Zhejiang at the age of 27. There is land on the seashore of Yinxian County, and the people use mortgages to borrow from Haoyou. Wang Anshi borrowed official money at low interest and repaid the loan in the autumn, which is the so-called green seedling method. The Yin people are grateful to Dade and set up an ancestral hall for it on the shore of Dongqian Lake. Wang Anshi adheres to the government, that is, the green seedling method is extended, and it is promoted to the whole country and industry and commerce. This is easy to do with the big.
But he forgot that one province and one county, the implementation of some policies is easy to see results, but China is so big, to promote many policies how difficult it is, there is no basis to talk about change, Lao Tzu said: "Governing a big country is like cooking a small fresh!" "If a policy is not adhered to for decades, it is easy to turn sour, and in the Great Song Dynasty, when Renzong had just implemented the acres of land and could not pass a few years, he encountered Wang Anshi's Qingmiao Law, and the farmers did not know what to insist on between the new law and the old law, and the officials did not know!
The Seedlings Law has changed the nature of private lending in ancient times, and is close to the function of the Agricultural Bank in the original sense today. The Shiyi Law, which was derived from the Qingmiao Law, not only had the monopoly ability of the Han Dynasty to control prices, but also developed the function of the Industrial and Commercial Bank of China in the original sense of today. This method stimulates capital appreciation by operating with capital. At that time, Sima Guang, Su Shi, Cheng Hao and others, who had vigorously opposed the new law, did not understand the mystery until much later.
It can be said that Wang Anshi was the first in the world to put forward the theory of financial capital management, but his limitation is obvious, that is, he ignores the "government-run bank" he runs! "The backwardness of the government often hinders the development of new things, and in the end, the officials either do not understand the business and do not do it well, or use it for personal gain; The legal system is not perfect, it is difficult to check the authorities, and it is impossible to have a fair and solid contractual relationship, and the reason why the reform will definitely fail is that the roots of the system have not changed.
Han Qishangshu, who was demoted to Hebei's pacification envoy at the time, said: The regulations stipulated that two cents of interest should be repaid, but some local bureaucrats lent money without authorization to obtain interest, and borrowed 1,000 yuan and demanded that 1,300 yuan be repaid, which was contrary to the original intention. Moreover, the loan must be guaranteed, and the poor must be guaranteed by the rich, and once they can't pay it back, they will flee, and the rich will also be affected by it and become poor.
The failure of the new law does not mean that such measures are bad, it is the difference in the way of doing things and methods, Xiao Ming since the establishment of Taiping Yinzhuang, he has considered the form of private lending, this form is the best way to rise in the Ming and Qing dynasties, not to mention Xiao Ming's use of modern financial concepts to establish the first bank of the Great Song Dynasty!
And Xiao Ming now needs Gaozong Zhao Gou to be the biggest source of profit for his first state-owned bank, that is, loans to farmers, which involves the interests of Emperor Zhao Gou himself, and he will not be careless, and Ri Changlong, the largest shareholder of the first bank, is the executor.
Xiao Ming's explanation made Zhao Gou feel that the source of wealth turned out to be like this, except for the industrial and commercial loans specially targeted by the First Bank, the huge retail farmers are the real source of wealth! But at the same time, he is also aware of the lack of legislation, from this point of view, Zhao Gou is indeed a smart person!
The rest is that Zhao Gou pondered the entire scope of some fundamental legislation involved in lending, Xiao Ming did not intervene, he knew the truth that came naturally, and waited until Gaozong found Xiao Ming to take out the various laws and regulations that he had thought hard about, and then Xiao Ming gave certain suggestions and directions, which was the best way to change the legislation of the Great Song Dynasty in disguise!
So it didn't take long for Gaozong Zhao Gou to start the legislation of the Great Song Dynasty, which involved the "Civil Law", "Industrial and Commercial Law", etc., and finally directly involved the "Criminal Unification Law" of the Great Song Dynasty, which is the germ of a deeper social change!