"Why is that?"

The officials of the Manchu Dynasty were puzzled by this situation, and the same treasury bonds could be paid directly, and interest would be paid at maturity.

However, the treasury bonds underwritten by doctors are extremely popular, while the treasury bonds underwritten by the Ministry of Civil Affairs are almost unpopular.

"This must be Fan making trouble! Please also ask the official to make decisions for the ministers! In the court, Cai Jing angrily reprimanded Fan Zhengdao.

His proposal to repay debts was rejected by Fan Zheng, and he was disgraced in front of the officials.

Now that he finally has the financial source of overseas trade and solved the problem of using debt to pay debts, Cai Jing figured out Zhao Xu's mentality of wanting to compete for all success in a war, and took the initiative to increase the issuance of treasury bonds from 7 million to 10 million.

Sure enough, as Cai Jing expected, Zhao Xulong, who received the report, happily agreed to the matter and praised Cai Jing.

Cai Jing was secretly proud in his heart, anyway, it was the doctor who underwrote the national bonds, and he easily won the emperor's heart.

But he didn't expect Fan Zheng to directly pick a son, and was only willing to underwrite 7 million guan treasury bonds, and handed over the remaining 3 million guan treasury bonds to the household department for underwriting.

This heavy responsibility naturally fell on Cai Jing, and now the dismal sales of household treasury bonds immediately made Cai Jing lose face.

"Lord Cai, don't reverse black and white, the doctor and the household department sell treasury bonds at the same time, where to buy it is the choice of the people, and the people are unwilling to deal with the government, especially in terms of money! This was not instigated by Fan. ”

Fan Zheng saw the problem at a glance, that is, the people were unwilling to deal with the government, even if it seemed to be beneficial, which was already a lesson that the people of the past generations had exchanged for blood.

"The people don't believe in the court?" Zhao Xu frowned.

Fan Zheng said with a wry smile: "Most of the money in the hands of the people is the root of life, and they are easily unwilling to take it out, and it is the businessmen who are really rich and willing to pursue profits, and the government has always tried its best to suppress businessmen, and businessmen are naturally taboo against the government." ”

The Song Dynasty court has a precedent for indiscriminate Jiaozi, Jiaozi has been repeatedly depreciated, and now it is almost the same as waste paper, and everyone knows that the court is redundant, in case the national debt is like Jiaozi in the future, I am afraid that the person who buys the national debt will have no way to cry.

The faces of the officials of the Manchu Dynasty were embarrassed, after all, the matter of Jiaozi was originally running well, and because of their indiscriminate Jiaozi, it has now led to a significant depreciation of Jiaozi, and many people have suffered heavy losses.

And now, instead of learning a lesson, the imperial court has directly doubled the national debt, directly reaching 10 million yuan, how can this not make the well-informed rich people have doubts.

If you buy treasury bonds at the doctor's house, if you can't pay them, there are doctors who can claim for them, plus the doctors are prosperous, you can continue to make profits, and you have the ability to pay for them, which can be said to be double insurance.

If they can't pay the treasury bonds purchased from the government, then they can only eat coptis dumbly, and naturally they are unwilling to deal with the imperial court, after all, no one's money is blown by the wind.

"The credibility of the imperial court is not as high as that of the doctor!" The faces of the officials of the Manchu Dynasty were full of bitterness, although they did not want to believe it, but this was the truth.

"Since the doctor has such a reputation, why not underwrite the remaining three million together." Lu Dafang stepped forward and persuaded him.

After the issuance of treasury bonds, the Great Song Dynasty had sufficient funds and could do a lot more.

In addition, with the continuous financial resources of the Maritime Silk Road, the imperial court did not have to worry about thunderstorms in a short period of time, and Lu Dafang was naturally willing to see the imperial court have more money to do things.

Fan Zheng said helplessly: "It's not that the doctor is unwilling, but the doctor's underwriting of 7 million guan is already the limit, and besides, if the entire doctor is sold, it is not worth 10 million guan. ”

"Besides, even if the doctor can underwrite this 10 million guan treasury bonds, the imperial court will issue 20 million guan treasury bonds next year, what about the year after tomorrow? Ten years from now, I am afraid it will be an astronomical number, and this heavy task may be difficult for doctors to bear. Fan Zheng said helplessly.

Seeing that Fan Zheng did not enter, the court suddenly fell into a dilemma.

Hundreds of officials naturally knew the harm of issuing treasury bonds, but they had already tasted the huge effect of treasury bonds on the Great Song Dynasty, so they were naturally unwilling to give up.

"But it's not impossible to solve it!" Fan Zheng changed his words.

Suddenly, the hundred officials of the court looked at Fan Zheng with a vigilant face, and everyone knew that Fan Zheng was going to go out of evil again.

Seeing this, Fan Zheng immediately looked dissatisfied and said: "What do you mean by this, if you don't believe Fan, then Fan won't say more." ”

Zhao Xu hurriedly comforted: "Fan Aiqing is not in a hurry, Fan Aiqing takes medicine every time she prescribes medicine, but I am listening." ”

"Yes!" The ministers also nodded.

At the moment, as long as Fan Zheng is willing to underwrite the treasury bonds for the Great Song Dynasty, they don't care if there is any evil party or not.

Fan Zheng nodded with satisfaction and said: "Why do you think the people believe in doctors, is it really a doctor with noble medical ethics and saves lives and helps the wounded?" ”

The ministers of the Manchu Dynasty looked at each other and looked at Fan Zheng in puzzlement.

"No!" Fan Zheng looked around and said proudly: "It's because the doctor can continue to make profits and has the ability to repay the money, if the doctor doesn't have the ability to repay the money, I'm afraid that the doctor's relatives won't trust the doctor." ”

The hundred officials couldn't help but twitch their cheeks, although what Fan Zheng said was rude, but it was realistic.

"And if the imperial court wants to continue to issue treasury bonds, it is necessary to let the people show their ability to repay the money, not to mention 10 million guan in the future, it is 10,000 guan treasury bonds, as long as the imperial court has enough ability to repay the money, the treasury bonds can also be sold." Fan Zhengdao.

"The court's ability to repay the money!"

To tell the truth, the annual taxes of the Great Song Dynasty are not a lot, and it is not a problem to repay 10 million yuan, but every sum of money is useful, and it is impossible to use all of it to repay the national debt.

Fan Zheng said solemnly: "Since today's court discussion is money, Fan believes that the imperial court can integrate the departments involved in money in the court, such as the coinage supervisor, flying money, and Qingmiao money, which are all cornucopia of the imperial court, and may be integrated into a new department." ”

"You actually hit the idea of the lifeblood of the imperial court!" Zhang Dun rebuked angrily.

These three are very important sources of income for the imperial court's finances, and they are all businesses that are sure to make money without losing money, especially the coinage prison is the lifeblood of the imperial court, which is related to the safety of the world.

Fan Zheng said solemnly: "If the imperial court wants to issue treasury bonds and borrow money from the people of the world, it is natural to show sincerity, and these three items are related to money, from the casting of money, to transportation, to lending, and the principal is abundant, all of which are guaranteed to make money without losing money. ”

"You want the imperial court to run the bank?" Lu Dafang frowned, and immediately understood that Fan Zheng was preparing to integrate the imperial court's departments on money and make a large money bank.

However, Qian Zhuang had a bad reputation in the Great Song Dynasty, and most of them were usury, so Lu Dafang was naturally extremely resistant to this.

Fan Zheng shook his head and said, "Qianzhuang? No! The money village is too small, this is led by the Song Dynasty court, naturally it is not a private money village can be compared, it is better to call the bank. ”

"Banks?"

Baiguan couldn't help but be stunned, there was a guild in the Great Song Dynasty, and the scale was very large, and the bank was not a guild representing silver, and the currency of the Great Song Dynasty was mainly copper coins, but in the Great Song Dynasty, silver was also circulating in the market, mostly large-scale transactions, and the bank did sound more atmospheric than the money bank.

The people of the New Party nodded slightly, and the New Party claimed that the people did not give more money and the country used enough, so they naturally had a lot of experience in financial management, and the emergence of banks really amazed them.

"It's not enough to just have money, and in order to increase the credibility of the bank, what does Fan think its name is Da Song Royal Bank?" Fan Zheng proposed again.

Since Wang Anshi's reform, the financial industry of the Great Song Dynasty has had a deformed development, but the various departments are like a plate of scattered sand, coupled with the rush for quick success and quick profit, and finally succeeded, but Wang Anshi's reform is not without results, after Wang Anshi's reform, the time is ripe for the emergence of banks.

"Great Song Royal Bank!"

Baiguan tasted it slightly, and his eyes lit up at the moment.

The bank included minted money, flying money, green seedling money, and other three cornucopias of the Great Song Dynasty, and then named the royal name, which suddenly made the lost credit of the Great Song Dynasty return again.

"In the name of royalty!" Zhao Xu thought slightly, in this way, the royal reputation and the bank's reputation are tied together, which can be said to be mixed.

"If there is a loss, there will be gains, and there will be gains, and if the officials want to obtain national debts and money to show their ambitions, how can they not be willing to take responsibility." Fan Zheng reminded.

Zhao Xu couldn't help but be shocked, nodded slightly, and said, "Accurate!" The order went down, integrated the coinage prison, flying money, and Qingmiao money, and established the Royal Bank of the Great Song Dynasty in the name of the royal family, and I swore in the name of the royal that as long as the Great Song Dynasty was still in the day, I would repay every amount of silver to the Royal Bank. ”

"The official is wise!"

The officials agreed that if it had been in the past, the imperial court would have integrated all the departments related to money, which would have aroused opposition, but in the face of the huge interests of the national debt, the Manchu ministers finally succumbed.

"Wechen is willing to preside over the Great Song Royal Bank! Helping officials achieve great things. ”

Cai Jing seized the opportunity at the moment and couldn't wait.

The hearts of the people of the New Party moved slightly, and everyone knew that once the Great Song Imperial Bank was established, it would definitely be the money bag of the Great Song Imperial Court, and whoever controlled the Great Song Imperial Bank would definitely take the initiative.

The old party naturally understood this truth, and Lu Dafang ridiculed at the moment: "Lord Cai can't even underwrite three million national bonds, how can he be in charge of the Royal Bank of the Great Song Dynasty, it's just a fool's dream!" ”

"The ministers are willing to recommend Lord Yang to fear Yang, Lord Yang is old enough to hold the country, abide by etiquette, and will definitely be able to use the Royal Bank of the Great Song Dynasty to restore the credibility of the Great Song Dynasty."

The old party recommended Yang Wei one after another.

All of a sudden, the old and new parties almost fought and attacked each other for the Great Song Royal Bank.

"The minister recommends Fan Zheng to preside over the Great Song Royal Bank!" Suddenly, Fan Chun, the waiter of the Ministry of Rites, stepped forward solemnly.

In an instant, the old and new parties could not help but stagnate.

"No, Fan Taicheng is too young, and his official position is only five grades, how can he preside over this heavy responsibility." Cai Jing objected.

Yang Wei continued: "The Great Song Royal Bank should be subordinate to the Ministry of Households, and Fan is purely his fourth uncle, so he should avoid suspicion. ”

……………………

The old and new parties invariably turned their guns on Fan Zheng and Fan Chun's uncle and nephew.

Fan Chun Zhengse said: "The virtuous do not avoid relatives, the national debt is proposed by Fan Zheng, and the establishment of the Great Song Royal Bank is also proposed by Fan Taicheng, and everyone knows that Fan Zheng is the best candidate to form the Great Song Royal Bank." ”

Zhao Xu couldn't help but nodded, no matter what point of view, Fan Zheng was indeed the best candidate.

"And after this national debt incident, Weichen found that the people are more wary of the imperial court, if the Great Song Dynasty Royal Bank is placed under the jurisdiction of the household department, and the soup is not changed, I am afraid it will not help at all, since the Great Song Dynasty Royal Bank is named the royal family, the minister believes that let it be separated from the household department, and the official family is directly under the jurisdiction in order to make the world trust." Fan Chunyi gritted his teeth and said.

"What, you want to separate the Great Song Royal Bank from the account department!"

Suddenly, the entire court was in an uproar, and looked at Fan Chun with an incredible expression.

"Fan is crazy!"

Baiguan looked at Fan Chunli dissatisfied.

In order to pave the way for his nephew to control the Great Song Royal Bank, he actually climbed inside and outside and removed the Great Song Royal Bank from the control of hundreds of officials.

"Weichen's impeachment of Fan is purely for public and private use, and nepotism." Lu Dafang personally impeached Fan Chun, which immediately attracted the follow-up of the old and new parties.

Even the household department is dissatisfied with Fan Chun, you must know that the money casting supervisor, the flying money business, and the Qingmiao money are the big heads of the household department, and now they are easily let out by the household department.

Fan Chun said without fear: "Weichen does not have any selfish intentions, the Royal Bank of the Great Song Dynasty is responsible for raising money and making money, and the household department is responsible for spending money, even if the business of minting money, flying money, and green seedling money belongs to the Royal Bank, the money earned is still allocated by my household department, so that the household department is not only idle, but the money at its disposal every year is still the same, or even more, so why not do it." ”

Everyone in the household department was speechless for a moment, because what Fan Chun said was true.

However, there are also invisible reasons that the household officials can't say, such as the reduction of the rights of the household department, and the great reduction of the opportunity to secretly receive benefits, of course, these words cannot be placed on the table.

"Fan Zheng's ability to be a doctor is the best proof of this, and with him in control of the Royal Bank, the finances of the Great Song Dynasty will be greatly eased." Fan said purely directly.

The old and new parties were silent for a moment, from the bottom of their hearts, they naturally didn't want Fan Zheng to hold such an important position, but the Great Song Dynasty was seriously redundant, and the financial crisis had been extremely urgent, but Fan Zheng became a forensic doctor, so that the doctor was prosperous, and everyone was sick and could be treated, which was enough to prove his ability to survive the world.

If Fan Zheng can solve the financial crisis of the Great Song Dynasty, it may not be impossible for him to take charge of the Royal Bank of the Great Song Dynasty.

"Fan Aiqing, are you willing to take on this heavy responsibility!"

Zhao Xu finally nodded and looked at Fan Zheng on the side.

Fan Zheng didn't want to wade into this troubled water, but when he saw Zhao Xu's expectant eyes, he finally nodded helplessly.

"Obey the order!" Fan Zheng arched his hand.

Zhao Xu had ambitions and wanted to make a big move, but he was repeatedly constrained by the urgent finances of the Great Song Dynasty, and once the Great Song Dynasty Royal Bank was prepared, the imperial court would no longer be able to issue treasury bonds, but the issuance of treasury bonds was easy, and it was probably not so easy to redeem them.

From later generations, he was familiar with the various systems of the bank, so as to provide a large amount of financial support for Zhao Xu's ambition.

(End of chapter)