Outside the Guanjia Palace, the Great Song Dynasty monarchs and ministers were said by Zhao Jun to have a numb scalp.

Although Zhao Jun has said it relatively simply, there are still a lot of financial words and some concepts that they don't understand, so they are still confused.

But this did not prevent them from feeling that Zhao Jun was unfathomable and seemed to be able to solve the current dilemma.

Therefore, they all stretched their necks and wanted to continue listening.

Yan Shu saw that Zhao Jun was a little carried away, so he hurriedly turned back to the topic and said: "Jiaozi does sound like a good thing for the benefit of the country and the people." Why don't you give Jiaozi to ordinary people? If everyone saves money into the bank, won't the country have a lot of money to use? ”

"Because with the garbage execution power of the Song Dynasty and the situation of corrupt officials at the middle and lower levels, if the money bank is fully opened and the people are allowed to deposit their money, then there will be countless cases of corruption and over-issuance."

Zhao Jun said: "At that time, Jiaozi will not only not bring benefits to the financial system of the Great Song Dynasty, but is likely to directly cause serious consequences, just like the Song Huizong period, accelerating the demise of the Northern Song Dynasty." ”

"I don't quite understand, can Mr. Zhao elaborate?"

"Very simply, corruption in the middle and lower classes of the Song Dynasty was more serious, and the people went to the bank to deposit money, and suddenly there was such a large amount of money in their hands, and those officials were likely to directly embezzle the bank's money, or use it to lend usury to oppress the people at the bottom."

"What if the Song Dynasty court strictly supervised?"

"Strict supervision and execution may not be enough, not to mention that even if the problem of corruption can be prevented, can the Song Dynasty court solve the management problems caused by millions of people saving money at the same time?"

"Management questions? This money is placed in the warehouse, is there still a management problem? ”

"The management problem is not only the matter of putting money in the warehouse, but also the problems of anti-counterfeiting, counterfeiting, statistics, etc., which are not so easy to solve. Uncle Lari, think about it, if there are fake Jiaozi all over the country to withdraw money from the bank, then Da Song will have to die at a loss. ”

"Okay."

Yan Shu scratched his head, he still didn't understand something, after all, finance did not have a special discipline in ancient times, and there was no systematic sorting and classification, even the most intelligent people could not understand it at once.

"In addition, if this thing is promoted to the whole country, the plate will be very large, and all kinds of problems will be exposed one by one. We have a saying that any small thing that is placed on the 1.4 billion people will become a big thing, and this principle is the same when it is applied to Jiaozi.

Zhao Jun continued: "If you just spread Jiaozi in the main commercial and economic cities of the Song Dynasty, mainly facing big businessmen and helping them solve difficulties, it is equivalent to a pilot. Then there will be much fewer problems of impact and exposure, and it will be easier to regulate. For example, the problem of anti-counterfeiting and counterfeiting can basically be solved. ”

"How to fix it?"

Yan Shu asked again.

Zhao Jun explained: "The big businessman saves money is certainly not always two, a silver ticket may be tens of hundreds or even tens of thousands, such a large amount of money to make the real silver ticket is not only the businessman, but also all over the country Jiaozi shop also has to leave a ticket stub, such as the Song Dynasty in ten cities to open Jiaozi shop, then these ten cities plus the treasury must have a ticket stub to keep." Wherever the big businessmen go to withdraw the money, they must report it to the state treasury, and after the money is taken out, it will be destroyed. ”

"That's not right."

Sheng Du had reformed the salt law and had made some achievements in the economy, so he was keenly aware of a problem and immediately said: "What if ten cities have ticket stubs, and merchants take money everywhere?" ”

"This problem is very easy to handle, one is that if a businessman wants to take out the money, he must report it some time in advance and tell the government what he wants the money to do. For example, if a merchant wants to go to another place to buy goods and ship them back, then he must report to the government before he leaves, and he can take out the money at the destination, and the government will have enough time to verify and destroy all the silver tickets, and at the same time, he can prepare enough coins for him in time. ”

Zhao Jun said: "The second is that the selected businessman must have a net worth, the kind of top businessman who has a large number of industries under his name and family. If such merchants want to take advantage of the loophole and be caught by the Song court, then there is a good reason to exterminate their families and directly fill the treasury with their property. ”

It is not easy to ensure safety in the Jiaozi shop, and the method that Zhao Jun said does have loopholes to drill.

Because in ancient times, it was actually more difficult to do business, mainly because of transportation.

In the final analysis, businessmen are going to transport the specialties of a certain place to other places, and then bring the specialties from other places back to the local area, so as to earn the difference in the middle price.

If it is a large transaction, the merchant has to carry a huge amount of copper money and cash to and from all parts of the country through the canal by water, which requires a lot of manpower and material costs such as fleets, escorts, and porters.

Sometimes the weight of the goods purchased, such as silk, gold and silverware, and other expensive luxuries, did not even weigh as much as the copper coins carried in cash.

The emergence of Jiaozipu solves the problem that businessmen need to bring a large amount of copper money in cash.

When merchants do business in the future, they can save money in place A and withdraw money in place B, saving the cost of carrying copper coins and cash when they set off and the cost of manpower for transportation.

However, in ancient times, the circulation of information was not developed, and it was not feasible for merchants to save money from place A and withdraw money from places B, C, and D many times?

It works in theory.

But early reporting and preferential business solutions this problem.

Merchants must report in advance when they withdraw money, tell the government where they are going to do business, how much money they want to withdraw, and then they can set off for place B.

The time when he went from A to B was the time when the government got the report and then sent someone to notify the Jiaozipu in various places to start destroying the rest of the ticket stubs except for B.

At the same time, if B does not have so much cash for the time being, it can also use this time to withdraw it from other places.

When the merchant arrives in place B and docks with the Jiaozipu in place B, he can only take out the money in place B, and the ticket stubs in other places have been destroyed.

And small and medium-sized businessmen are not qualified to save money to enter Jiaozipu, only top businessmen have this qualification, once the businessmen do this kind of thing, the court can raid their families and exterminate them, and directly dig out their family funds.

Although the national conditions are different, for example, it is equivalent to opening a top big bank in modern China, and only listed companies with good operations and a large number of real industries can save money to enter the qualifications.

"I see."

Now that everyone understood, Yan Shu immediately boasted: "Teacher Zhao is really a Wenqu star." ”

Saying that, he also glanced at Lu Yijian, Wang Zeng, Fan Zhongyan and others.

Lu Yijian was shrewd, and immediately followed up: "In our village, there has never been such a smart person as Teacher Zhao. ”

"The village is too remote, it's not easy to go down the mountain, and the old people in the village love to read some miscellaneous and ancient books, but they can't read it, and they don't know what it says.

"If only my children were half as smart as Teacher Zhao."

"In the future, there will be such an excellent talent as Mr. Zhao teaching, maybe there will be a college student in our village in the future."

Everyone also came back to their senses and praised one after another.

Everyone has listened to Zhao Jun for so long, and naturally they all know some modern words, and they blow Zhao Jun to the sky one by one.

Zhao Jun's heart blossomed, but he still waved his hand modestly and said: "Oh, it's average, the village chief and the branch secretary, I'm embarrassed to praise you." ”

He said this, but everyone could see that the corners of his mouth were grinning more like flowers, and they were all happy to the back of their heads.

After all, this is also a kind of pretense.

In the past, when he was in school, everyone was a top student who was admitted to the National People's Congress with high scores from all over the country, and even many of them were champions in a certain county or city.

But now, as the pride of the heavens who went out of the National People's Congress, he came to a poor small mountainous area that likes history, and it is naturally different to show off his knowledge in front of everyone and pretend to be forced.

As a contemporary post-00s college student with a clear and stupid face, Zhao Jun likes the shocked look of these people who have never seen the world.

The main thing is that the situation is different.

When he first came to this small mountain village, he was full of fear because he was unfamiliar with the place and his eyes were invisible.

So at that time, Zhao Jun spoke more cautiously, very cautiously, and didn't dare to be too presumptuous.

But now he has been here for almost a month, and he is very familiar with Yan Shu and Fan Zhongyan, although the people in the village only know each other today, but there are acquaintances here, and there are fewer scruples in talking, and he has let go a lot.

Everyone complimented them for a while, and then Yan Shu asked another question.

Taking advantage of Zhao Jun's attention, Zhao Zhen, Lu Yijian and the others looked at each other, exchanged a look, and then left here and went to the Guanjia Hall to whisper.

"Did you understand what he said?"

Entering the main hall, separated by more than 20 meters, Zhao Zhen glanced at Zhao Jun who was sitting on a recliner under the verandah of the main hall, and asked several prime ministers.

Sheng Du arched his hand and said: "Official, Zhao Jun said well, the minister understands, but in the eighth year of Zhenzong Dazhong Xiangfu, after the Jiaozi shop jointly made by the sixteen merchants in Chengdu Mansion collapsed, the imperial court did not dare to open the Jiaozi shop, and also ordered the Jiaozi affairs to be properly managed, because there are a lot of involved in it, and it is not as simple as Zhao Jun said." ”

"Hmm."

Zhao Zhen nodded.

Sheng Du continued: "This Jiaozi is very important, printing more and printing less, anti-counterfeiting and anti-theft, exchange and settlement, preservation of reserves, etc., there are many problems. After all, this thing is backed by the credit of the imperial court, and if you are not careful, the reputation of the imperial court will be ruined, and it is more likely that the cross-citation method will fail. ”

Lu Yijian also said: "This matter still needs to be discussed a little more, and it can't be what Zhao Jun says." He doesn't understand the state of my Great Song Dynasty, and if he blindly believes him, as he said, it may accelerate the demise of my Great Song Dynasty. ”

Wang Zeng objected and said: "Official, Zhao Jun's method sounds like the first way, and many of the relationships and interests in it have been clarified, how can it not work?" ”

"Maybe it will work, but we're all doing it for the first time, and we have no experience, will there be a problem with acting recklessly like this?"

"I thought Zhao Jun was right, you can try to open a Jiaozi shop in Bianliang first."

"Official, the minister agrees to give it a try."

Cai Qi supported Wang Zeng, Song Shou supported Lu Yijian, and the two sides faced each other.

"Alright."

Zhao Zhen interrupted their fight and said: "Let's open a Jiaozi shop in Bianliang, which is connected to Yizhou Jiaozi in Chengdu, and in the future, merchants from Bianliang to Chengdu can use Jiaozi silver tickets." Let's try it according to what Zhao Jun said, and if there is an accident in the future, it is better to stop. Anyway, Zhao Jun's eyes will recover soon, what are you afraid of! ”

Lu Yijian and Song Shou glanced at each other, but they didn't expect the official family to be much more courageous, in the past, when the two factions quarreled, the official family was hesitant and couldn't make a decision, but now it is so decisive.

It seems that the appearance of Zhao Jun did give some small shocks to the official family, and also inspired a lot of official families, but I don't know if this is a good thing or a bad thing.