Wang Ju stared at the boxes of silver in front of him and asked, "Zuyang, why do you use the silver to repay the loan?"

"Mr. Ming was happy to have a noble son, so he regarded it as a gift for the young one."

Qiong Niang gave birth to a son, but Wang Ju just closed the door and celebrated it without accepting anyone's gift.

But this has nothing to do with the identity of Qiong Niang. Over the years, Wang Ju has not received gifts from others, unless they are those real friends, such as Zhang Feng. However, since they are Wang Ju's friends, they also know that Wang Jubing's nature, the gifts they give are not expensive gifts, but just symbols.

"You have the will," Wang Ju praised.

Why is this sentence?

That is, the price ratios of gold and silver in different parts of the Song Dynasty were different.

The Song and Xia joined forces. The Song Dynasty divided the annual gifts to Xixia. The Qianyuan Festival gifts were given to He Zhenghui, and the clothes were given to the king during the winter. The king gave five kinds of gifts on his birthday. However, if divided according to the types, they were 150,000 pieces of silk and 1,000 pieces of fine clothes. The remaining was tea and silver, with a total of 72,000 taels of silver. Over the years, the Song Dynasty sent a lot of silver over there. In addition, there were Hexi Corridors. Although the Hexi Corridor business roads were shrinking due to the Western Xia extortion and the Song and Xia's feud, the Hexi Corridor business roads shrank, but there were some Uighur merchants coming from the west and also brought some gold and silver to Xixia.

Therefore, relatively speaking, the silver price ratio in Xixia was relatively low, which also lowered the silver price ratio on the border between Songxia.

But this is just a border.

In the Song Dynasty, the price of silver was getting higher and higher day by day.

As long as you use some means to pull these silver into Guanzhong, it is equivalent to invisibly the Qingzhou government will get two or three thousand guan more coins.

So now the bank is not the time.

The currency is very chaotic, so let it go, gold is too expensive. Silver begins to circulate. There are silver, various copper coins, iron coins and Jiaozi.

The proportions of each currency are constantly fluctuating.

Therefore, if you want to establish a bank, you must have sufficient currency and a refund rate that is recognized by both the official and the public.

Otherwise, the price difference caused by these fluctuations is relatively low. If officials do not understand or do nothing, it will cause serious losses soon. Or officials are harsh, just like the current Qingmiao Law, using old grain as the price of new grain to the people. Forcing the people to repay loans with new grain, then the price difference caused by these fluctuations is enough to raise the interest rate to two points, three points, or even four points in disguise!

Referring to the interest loans of banks in later generations, is it normal once the interest loan reaches two cents?

In short, it was very troublesome, so when Wang Ju saw that the clerk was helpless, he invited more than 20 economic personnel from Zhu Li's family to help, otherwise it would be a mess, a small development fund in Qingzhou.

Of course, this is a valuable accumulation of experience. If not, just assume that it has developed the Qingzhou economy. If it is used, this accumulation will greatly help Wang Ju.

If you do the actual business to Zuyang, you can pay off the loan without money, which is a bit of a loss.

Wang Ju praised again: "I'm sorry."

"The little one is just in return," Zu Yang cried in tears.

If Wang Ju hadn't come to Qingzhou, he would have come today.

"What is the reward? What is the parent official? Isn't it normal for parents to care for their children? On the contrary, that's abnormal."

"Small, small..."

"I don't say anything, and you did it really well, please have tea." Wang Ju said, "I personally brewed a cup of tea for him.

The more Wang Ju doesn't show off his airs, the more friendly he is, the more moved Zu Yang is. Anyway, his eyes are always wet when he leaves.

Looking at his back, Wang Ju said: "When will officials do some practical things for the people and the people are used to it, then the country will be fine."

That is impossible.

Zhang Feng was regretting: "It's a pity that it will be terminated soon."

After lending so many workshops, Zuyang's workshop has a relatively high return rate.

But even Zuyang, once all the loans are completely recovered, the scale of the industry will immediately shrink, and at least two to three years of capital accumulation can be restored to the grand occasion of last year.

Other workshops and industries will shrink even more severely.

For these businessmen, their income is just a reduction.

However, it is very unfavorable for the development of Gyeongju. As a result, these people hire fewer workers and less trade taxes. This will lead to a series of bad changes.

Moreover, this year itself has a disadvantage. Some industries have slow results. Due to time constraints, the government has not issued loans. Otherwise, the economic development of Qingzhou will be faster.

Wang Ju whispered: "Brother Husband, there has been no movement in the court for so long. Have some people really forgotten Qingzhou?"

This is also impossible.

Moreover, Wang Ju refused to give up last year and sent someone to secretly spread the truth, further hurting Wen Yanbo's reputation.

Is Wen Yanbo a bully?

One thing is that Wen Yanbo is in Chengdu and someone impeached him. The censor He Shengcong's home is in Chengdu. When he went home to visit his relatives, Song Renzong said, "You ask Wen Yanbo for me." But Wen Yanbo learned about this matter quickly, so he asked his disciple Zhang Shaoyu to pick a top singer named Yang who is good at singing and dancing from the military camp and bring it to Hanzhou to welcome He Shengcong.

Then he understood that He Shengcong also thought of a romantic affair between the Tang Dynasty poet Han Chong, "Zhangtai Liu, Zhangtai Liu, are you green in the past? Even if the long strips look like the old days, you should still break the hands of others." He said to the prostitute surnamed Yang, "You call him Yangtai Liu."

When Zhang Shaoyu saw that the time had come, he asked Yang Tailiu to untied the silk slab parfait around his neck and wrote a poem with his pen. The beautiful woman in Shu Kingdom was called a thin waist, and the censor of the Dongtai was beautiful. From now on, he called Yang Tailiu and danced thousands of east winds.

Then let Yang Tailiu sing.

After a few days of fun, Zhang Shengcong reluctantly left Hanzhou, went to Chengdu to investigate Wen Yanbo.

Zhang Shengcong was serious, but Wen Yanbo was humble and entertained, and then called the camp prostitutes to sing and dance. A large group of camp prostitutes came out, and the leader was Yang Tailiu, and he sang solo: The beautiful lady in Shu Kingdom, the name of the Slim Waist...

Zhang Sheng was sweating from the spot.

Of course, after he went back, Song Renzong asked Wen Yanbo how he was, and how he was.

Wen Yanbo is on the throne!

Also, it was not Wen Yanbo's tragic situation that happened as big as Liutahe, but Di Qing's tragic situation.

Let’s look at the current court again. No matter how much Wen Yanbo has done, he is as stead as Mount Tai in the position of Prime Minister of the Western Palace. Even though Zhao Xu is balancing, he is capable.

How could such a person be willing to be defeated by Wang Ju?

So if you don’t have an attack this time, it will be extremely fierce once it occurs.

I'm afraid that Wang Ju will fight back and will suffer both losses. In the end, Wang Ju had to leave Qingzhou.

I believe this time will be very fast, after all, Wang Ju’s qualifications are too shallow and he is not considered a top official.

"Actually, if the court held the throne this time, Zi'an, you will probably be transferred from Shaanxi. Then stay safe for a few years, at least you won't be labeled as a military official in the future."

"Brother Husband, so are you."

"Hahaha," Zhang Qing was amused. He and Wang Ju almost prospered and both were humiliated, and they also had great military achievements. This military achievements were exactly what many scholars and officials in the court hated the most. Once Wang Ju left Qingzhou, he would definitely be transferred. However, he was not at the forefront, so this adjustment would probably officially take the position of governor.

So one thing must be viewed from both sides. It is a bad thing when viewed from the front, but it may not be a bad thing when viewed from the back.

"Zi'an, what if this development fund is implemented elsewhere?"

"I'm afraid my husband is not suitable. The reason why I succeeded in Qingzhou is that the war brought about the reputation, and the people have the money to transport salt. But that's it. I also invited Zhu Li and his family to send dozens of economic personnel, so there was no problem. Besides... the market is Yifa."

Zhang Shi was silent.

Whether good or bad, the market law involves further lending.

It's better to be on the border, so you can use the special war zone to make excuses.

However, after changing to a state capital, will the Zhongshu tolerate the interest loan of this development fund?

"In fact, the people's requirements are really not high. As long as the law is enforced fairly and give it as much as possible to the people, and if you put a little care, the people will love it and have political achievements."

"If this is true, Zi'an, you can't be stingy. You must teach me."

"At that time, you can write a letter to tell me the situation, I will analyze it for you and then let you refer to it."

Zuyang explained, you may be transferred this year.

Wang Ju gave a very vague answer.

In fact, according to Wang Ju's judgment, he will undoubtedly leave this year.

However, if you want him to leave in shame, I am afraid that Wen Yanbo will not be able to do it.

So the two of them had a plan for the future.

In some aspects, Zhang Yu and Wang Ju have similar ideas. If you want to be a high-ranking official, it is not possible to have no power or means. However, political achievements are the fundamentals. Without political achievements and relying solely on your skills, that is, in the art of war, you will not go long.

Zhang Shi is very good at military affairs, but Zhang Shi is inferior to Wang Ju in terms of economics. At least he is far inferior to Wang Ju.

What to do? You have to be in a group.

The market law is here.

The economy that Wang Juneng mobilized has a total of four workshops, which are actually four large enterprises.

However, the nature and composition of each workshop are different. The owner of the soju workshop is very vague. It is controlled by Wang Ju and he deliberately sent Han Yun to manage it. However, all its profits are used to subsidize the country, and most of them are used to subsidize the army. Just like now, all profits are filling the two million that Wang Ju promised.

Second, the bamboo paper workshop, the Gao family accounts for the largest proportion, and the remaining Li and Zhu families are similar to Wang Ju, but if Wang Ju does not subsidize them for national use, the actual profits will be very amazing in the year. However, it is not much for national use, and it is only ten thousand chunks a year.

However, the profits of the remaining two workshops became increasingly larger. The annual profit of the sugar workshop exceeded one million coins this year. However, the shares in it were very complicated, with half of the inner warehouse, and the remaining ones were Zhao Niannu, but Zhao Niannu's shares were also divided into many royal family members and Wang Ju's. The two of them had the most shares, and the remaining ones were merchants such as Yanzhou, and a very small number were also allocated to local tyrants in exchange for their support.

Then we arrived at the fireworks workshop, which was finally established, but it developed very quickly and quickly exceeded the profits of the bamboo paper workshop. However, its shares were also complex, with military surveillance accounting for half, and the remaining ones were Wang Ju and merchants from Yanzhou.

The profits of these four workshops together for a year are indeed amazing.

However, it was not Wang Ju, and Wang Ju also took out a part of it for other purposes, so Wang Ju promised two million to score five years before giving it to the soldiers and martyrs' families.

But in order to avoid suspicion, Wang Ju put his brother-in-law Li Zhen together in name.

Wang Anshi enforced the market law.

These four workshops are so pissy.

Because it was hanging on Li Zhen's head, someone had to be sent to Li Zhen for discussion.

However, for some reason, the Hangzhou New Prefecture Prime Minister disgusted Li Zhen.

After Zu Wuze, the few prefects were pretty good, Zheng Xie, Zhao Yan, and Chen Li, and they all did not make things difficult for the bamboo paper workshop and Li Zhen.

But just this spring, the market law was implemented in the front court, and Chen Xiang was replaced by Chen Li later.

Think about the hatred between Chen Xiang and Wang Ju.

In addition, Chen Xiang has the edict from the Secretariat, don’t you just look at the reform silently? This is Wang Anshi’s reform, comprador.

The four workshops were compradored together, and the number was huge, all exceeding the output of the four workshops. Not to mention this, the most serious expansion would be the price. The price was so low that Li Zhen almost vomited blood after seeing it.

He is a civilian and Chen Xiang is an official. The civilians do not fight with the officials. In desperation, he asked Gao Shiqing to convey to the Gao family while writing a letter to Zhao Niannu. At the same time, he rode a horse himself, regardless of the hard work, almost constantly came to Qingzhou to discuss with Wang Ju.
Chapter completed!