Zheng Lang said slowly: "The King of the Western Jin Dynasty, Rong, liked money and lay on copper coins. He threatened to the outside world that money was a slander, which was ridiculed by future generations. But if he liked money and goods too much, it was a shame for the gentleman. However, if he was for the country, for His Majesty, for the people, for the people, for the people, for the people, for the people, for the people, for the people, for the country, for the money and money, so that the country would not worry about money and silk, so that His Majesty would not disturb the people, and that the people would live and work in peace and contentment. I think even if the Master is alive, he would praise him."

Zhao Zhen said, "Your words are very beautiful."

If you don’t talk about money, learn from Lin Hejing, what should the country do?

First, Zheng Lang said: "So, today's main theme is to talk about money."

Some ministers were ridiculous and crying.

But no one objected. In the Song Dynasty, talking about money was not ugly, and many ministers also specialized in the way of making money.

"If you want a country to have a loose income, there are two ways to reduce expenditure and open source. Banks are the way to open source. But when talking about banks, I have two questions to ask you all the officials. The first is whether the usury merchants do what they do, and whether the country competes with these usury merchants for profit?"

The ministers cannot make a sound together.

There were many usury merchants in the Song Dynasty, some of whom could earn hundreds of thousands of chunks a year. There were many powerful people among the people who gave usury. The first was that some unworthy sons used usury to eat, drink, and gambling, or traders used usury to rescue emergency services. No one thought that this kind of usury was wrong. If you want to make money from others in business, you would be inevitable, and eating, drinking, and gambling were even more desperate. The second was for emergency services, either because your family was sick or you could not live in your family. The latter was not large in amount, but the number was large, which was the mainstream of usury. The large amount was infringed on a large scale because you couldn't repay it completely. The land property was sold for tenants. Some people were forced to commit suicide by hanging their beams, or sell their daughters to brothels to repay. There were many powerful people involved, but on the table, it was not a good thing.

The interests of robbing usury may be implicated in the interests of more than one-quarter of the family or relatives of officials, but they cannot argue with them. If you can still argue with them, you have to use other excuses. You can't think of it for the time being, so you are silent.

Zheng Lang did not give them a chance and said, "Since all the officials are silent, I think it is a permission. Let's talk about the second thing, money transfer is needed. Businesses require a lot of money and silk exchange, and the turnover is extremely inconvenient, so they operated the flying money business with wealthy merchants in the Tang Dynasty. Our dynasty adopted the Tang Dynasty system, allowing the people to bring money to the capital to exchange and then to the place to exchange, and the annual amount reached millions of dollars. The court benefited, and merchants were in order. The late emperor prevented some illegal wealthy merchants from fishing and meat people, and issued an edict to prohibit private participation in money transfer (it was Zheng Lang's statement that forbidden the ugliness of Song Zhenzong, which was a regressive practice of the Song Dynasty to maintain exchange monopoly and control copper coins). The scale of private people became increasingly narrow. But some, for example, the roads of Bashu were far and difficult to stop, and some merchants used money to use money to serve as money. In fact, it was a kind of money transfer. The court appeased the blue hat Huihui in the distance, and also agreed that these Huihuihui used money counters to secretly operate the flying money matters with money counters."

Blue Hat Huihui was a Jew, because of all the original facts that he came to China. The smartest race in the world was very good at doing business, not only in later generations, but also in the Song Dynasty. Time passed by, gradually became sinicized, and it was difficult to distinguish it from the Han Huihui people. But in later generations, many of the eight surnames of Zhao, Ai, Li, Zhang, Shi, Jin, Gao, and Zhang in Henan were descendants of Jews. Because Israel only recognized maternal inheritance in later generations, and believed that his mother was a Jew, and these Jews were considered a Jew, and the sinicization of these Jews was a patriarchal inheritance. Therefore, it did not meet the regulations on Israel's identity.

However, the Jews have been cruelly persecuted all over the world, and only China treats them well. Therefore, no matter how China and the United States have had evil in later generations, even if China expresses support for Middle Eastern countries that oppose Israel, the Israelis have always had good friends with China. This is a kind of gratitude, but unfortunately, no one in China except Zhou Enlai played this card well.

The Song Dynasty also treated it well. No matter how strict the Song Dynasty controlled flying money, the Jews still managed it, and the Song Dynasty government did not ask.

Zheng Lang continued: "The bank has invaded the country's money and exchanges, but it has also occupied a small number of Blue Hat Huihui and Bashu merchants. However, is it feasible to give these merchants a greater return?"

There is naturally no problem with the reward. Chen Zhizhong frowned and asked, "Please tell me the specific strategy."

"Mr. Chen, don't worry, the banking matter was planned by me and Zhang Fangping on Jingyuan Road. On Fanlou, I and Zhang Fangping, Wang Yaochen, Fu Bi, Cai Xiang, and Zeng Gongliang talked about this matter again. However, the capital required was huge and could not be implemented."

Pang Ji asked: "How much is the principal?"

"If it is promoted nationwide, at least copper coins, or related gold and silver, rather than cloth, are worth more than one billion yuan, to leverage the national banking business."

All the ministers were ready to pounce.

Even if you drag the Jade Emperor over, you won’t be able to make so much money.

"Some of you, in fact, China has been mining gold, silver, copper and iron since the Three Emperors. Since ancient times, how many copper coins and gold and silver have been left behind. To this day, the copper coins of the Sui and Tang Dynasties are still in circulation, but most of them are used to make tools, and many people are even buried underground and annihilated. If these gold, silver and copper are taken out together, it may be less than one billion pieces, but the difference will not be very big. However, it is impossible for the people to hand over gold, silver and copper together to circulate the country as currency. So this proposal was put aside, and it is to see how much gold, silver and copper can be brought back by Ping An Supervision. The Ping An Supervision has been established for a long time, and the number of national coins has more than doubled. Most gold, silver and copper are still used to cast instruments or make jewelry, so the quantity is still not very large, which once made me think it could not be implemented." This incident gave Zheng Lang a headache for a long time. Seeing that the amount of coins in a year was less than 10 million pieces, he was a little anxious.

It is certainly not enough. If history does not change, there will be eighty years before the demise of the Northern Song Dynasty. Later, the amount of coins minted in the Northern Song Dynasty will become larger and larger. The lowest is more than three million pieces, and the highest is more than five million pieces. In the past eighty years, there will be at least nearly three million pieces of copper coins. Countless iron coins and Jiaozi were issued in the middle, but the money is still not enough.

It cannot be said to be circulated abroad.

If all surrounding countries such as Khitan, Xixia, Uighurs, Tubo, Dali, Jiaozhi, South China Sea, and all surrounding countries such as Japan and Goryeo will not reach half of the Song Dynasty. Circulation will have an impact, not the mainstream, and the main reason is that the Song Dynasty's huge economic volume has led to insufficient copper coins.

Seeing that the coins were less than 10 million yuan a year, Zheng Lang became anxious. But there was no way to do so and kept thinking about this.

He continued: "Jishan brought his daughter to my house to express his gratitude the day before yesterday. Please ask me for one thing. He brought some wealth from Xixia and wanted to join Ping An Supervision to benefit his tribe. Ping An Supervision only has 50% of the shares left, which is for the bank's capital in the future. I didn't dare to agree. Then Zhang Fangping came to my house to make his farewell. Fang Ping and I talked about the banking matter. With agility, we came up with a solution."

The trick is out!

The solution is not what I think of alone, and there is also Zhang Fangping. If you don’t set up a bank, you can just set up a bank. If there are not many people who know about it, should you send Zhang Fangping to Chuzhou?

Zhao Zhen looked at Zheng Lang steadily. He understood this little thought. However, it was the first time that Zheng Lang was seeking personal gain and publicly seeking personal gain in front of so many ministers. I don’t know what to say.

Zheng Lang also said something that made everyone even less clear: "Although Zhang Fangping's wisdom, Your Majesty, I have selfish intentions here, but I am not seeking personal gain for myself. It is for the country's sake. The Western Xia endangers the border and cannot be destroyed, it is for the lack of army, it is for the insufficient finance. The Yellow River has its own strategy, but it is for the lack of help. It is because there is too much money and silk used to do it. However, there are too few ministers who truly understand the way of management."

I'm just seeking personal gain and speaking openly.

He Tan opened his mouth and finally endured it back. He almost didn't come back for a moment, suffocating to death.

Zhao Zhen wiped the sweat from his forehead and asked, "How to do it specifically?"

Even if we ignore the national security, we took out all the gold, silver and copper coins in the Sansi together, but there were not tens of millions of coins. This is a number of more than one billion. It is not possible to put tens of millions of teeth into gaps.

"First, banks were set up in 17 prefectures in Tokyo, Nanjing, Beijing, Xijing, Zhending Prefecture, Mizhou, Bingzhou, Jingzhao Prefecture, Chengdu Prefecture, Xingyuan Prefecture, Jiangling Prefecture, Jiangning Prefecture, Suzhou, Hangzhou, Hongzhou, Quanzhou, and Guangzhou. It cannot leverage the whole country, but part of the prying is only 17 prefectures."

Among them, there are only Wang Yaochen and Zeng Gongliang. Zhao Zhen knew about the banking law, and Fu Bi and Cai Xiang had not returned to the capital. Zhang Fangping was preparing to leave the capital and was not qualified to attend the meeting.

Zhao Zhen meditated and found that these seventeen prefectures were not simple either. They were either the richest and most prosperous cities in the Song Dynasty or important ports. It can be said that they concentrated 15 to 20% of the Song Dynasty's wealth, and combined with the range of radiation, they could reach more than 30%, which means that at least more than 300 million s of gold, silver or copper coins were required.

One thing that everyone automatically ignores is that from Chengdu Prefecture to Jiangling, Hongzhou, and Guangzhou, there is a large area of ​​territory, which exceeds more than one-third of the land area of ​​the Song Dynasty. Zheng Lang did not arrange a bank.

If it cannot be set, it may cause the barbarians to be red-eyed and the rebellion will be even more intense.

If it is partly prying, it will probably be successful and not easy. How much cash does it cost?

Zhao Zhen asked: "What's the matter?"

"Then the business form, we specialize in salt, tea, alum, wine and fragrance. Although the court's policy governs the people and is actually harsh on the people, salt is priced in the early Tang Dynasty. At the lowest price of a bucket of salt is only a dozen cents. However, today a pound of salt costs at least twenty cents, and a pound of salt can reach hundreds of cents. This is all for people's livelihood, and it is a disguised fish and meat people." The Northern Song Dynasty's policy is pretty good, but the Northern Song Dynasty's freedom of speech and the big things can be said to be watermelons. As long as you do not rebel, you dare to say it is a loyal minister. It is not good to exaggerate it, but it is somewhat supervised.

Function. Zheng Lang said this too much, but he did not want to get involved in the five franchises and quickly plundered them, saying: "I will calculate that if the franchise is successful, the country can earn at least 80 million yuan in a year. Just the franchise income can maintain the operation of most of the country. What about the actual situation? The court obtained less than 30% of the franchise. Therefore, at the beginning of the establishment of the bank, it was necessary to strictly implement the half-share system of the sugar workshop. One was to seek wealth for the country, and the other was to make excessive opposition from the big merchants and powerful people, causing the bank to die and take the profits to give it."

"Good!" Zhao Zhen said.

He must have never understood it when he was the emperor more than ten years ago, but today he will understand the true meaning of this sentence.

If the powerful Jiajia and Jia family and powerful people all oppose each other, any law will die.

At least part of the profits can block the mouths of these powerful people and control the officials' greed. It is definitely not that perfect. After a few years, many new disadvantages will inevitably arise, such as the embezzlement of small contract shares, and some members of the in charge can still have a way to make a fortune. But it has just been implemented for a while, Zheng Lang is in the court, and the state's administration is still clear, so these disadvantages are not serious.

"Your Majesty, I think I will first raise 80 million copper coins or equivalent gold and silver as original shares, and make 100,000 shares, and the court and the tycoon each account for 50% of them. In the future, the shares will be increased according to the situation."

Wen Yanbo asked, "Where are 40 million gold, silver and copper coins coming from the imperial court?"

Even if you take out 20 million, you won’t be able to take out the country?

"There is no need to use the national treasury. One is the contract shares of Ping An Supervision and the other is the contract shares of the bank, so that these principals can be raised."

"Impossible." He Tan said. Ping An Supervision now has significant returns, and 50% of the shares cannot raise 10 million yuan in cash. Besides, can a bank of 50,000 yuan worth more than 30 million yuan in cash?

"He Jingshi, please listen to my words, and you will know, Your Majesty. My ministers, let me talk about its business methods and profit-making methods. One is to exchange money, the court's money is only in the capital, one is to control the wealthy business and the unkindness of the wealthy, and the other is to control the circulation of copper coins, so that the capital has sufficient coins to be available. However, there is the Ping An Supervision Bureau, the amount of copper coins is minted, and once the support is mobilized, it will squeeze out the copper coins and gold and silver in many people's homes, and the money will be further enriched. The court does not need to exchange money only in the capital, but can expand the scope to these seventeen prefectures, and the income alone will increase by more than five times."

"It's not appropriate to have sex with your son," said Gao Ruonne.

Both iron coins and copper coins are forged privately, and a piece of paper money is not enough in Bashu. The special case is handled and has nothing to do with the court. Once Jiaozi is implemented, I don’t know how many people will forge it. It doesn’t matter if the money is beheaded, as long as the currency is real. This profit is not twice or three times the profit, it may be hundreds of times the profit, and even if the family is confiscated and exterminated, it cannot be controlled!

Zheng Lang smiled. Even if he had no self, he would have issued Jiaozi in the Song Dynasty. However, the issuance method was wrong, and said, "Gao Xianggong. It is not Jiaozi in Bashu. First, the quantity, the issuance of Jiaozi can only be a number of principal. For example, there are 80 million coins in the bank, and only 80 million coins can be issued so that the people can cash it at any time, so that Jiaozi can generate enough integrity. Second, the denomination, the denomination cannot be large, starting from five documents, divided into five documents, ten documents, twenty documents and hundreds of documents."

That is, it is equivalent to two yuan, five yuan, ten yuan, and fifty yuan. No matter how much it is, it is not enough to have more, and the cost is insufficient.

"It's not appropriate," Gao Ruonne said. Don't say a hundred cents, how much can a penny be? There are still many people who fake it, let alone a hundred cents.

"Don't worry, let me tell you further. The third is craftsmanship. The first is not paper money, but silk coins. The best silk silk silk is used as the bottom of the currency. Then, the best embroidery in the country, weave and carve the silk craftsmanship, and then make ten anti-counterfeiting patterns, and then cast ten stereotypes. Use the most complex technology to carve the text, divide the stereotypes into ten parts, the court controls five parts, and the wealthy businessman controls five parts. These anti-counterfeiting logos are notified to the world."

No need to explain.

First of all, the most exquisite silk silk is produced in no matter which prefecture brand, and the output is very small. Some people may not recognize it, but there are still the next twenty anti-counterfeiting measures, and they can always recognize some. If it is a private counterfeiting, you can have the ability to gather one or several embroidery into silk engraving technology. However, any private person does not have the ability to concentrate the ten best embroidery workers in the country, and only the country has this ability. Moreover, there is special anti-counterfeiting printing. Even those with ability want to satisfy these conditions one by one, they will cause a lot of noise, and the court does not care?

There will be people who forge it, the profit is too high, but the conditions for preventing it from being made are too high, which will have a huge error with the real currency. Although the cost of making a coupon in this way is very high, it is a stupid method, but it is effective.

Zhao Zhen praised: "Good way."

"I dare not, one is to increase the currency, two is to increase the scale of money, and two is to increase the income several times. Third, it is to benefit the circulation of commercial currency, and the people will become richer, and the country will also increase the income from commercial taxes." This is inevitable. Zheng Lang did a good job and gave tens of thousands of yuan to the three corpses, or gold and silver, and also used three cars to transport them to the three corpses. If he used Jiaozi, one hundred cents a piece of money and hundreds of thousands of yuan, the size may be not small, but the weight will drop greatly. At most, a car will be taken away. This is a metaphor. If the wealth reaches tens of thousands, it will reach tens of thousands.

It is more convenient to start with previous bills of exchange. However, small and medium-sized traders have transaction volumes of only a few thousand cents and hundreds of cents, which will become very convenient. Continuing: "The income is only a smaller part, and the larger part is deposits and loans. Private deposits are encouraged, and current deposits are not charged. For those who have a current deposit and less than five years, they will pay 2% interest to the depositors annually, and for those who have a more than five years, they will pay 3% interest for more than ten years, and for those who have a more than ten years, they will pay 4% interest per year, and for those who have a lifetime deposit only interest for five years."

The ministers looked at each other.

Saving money was found in the Tang Dynasty, not paying interest, but paying handling fees. Therefore, these Jews and Jin merchants in the Qing Dynasty later made a fortune in silence. Most of them became wealthy businessmen, and they made money like this. They saved money and paid more. They also had to pay the handling fees for other places to exchange.

I have heard of it for the first time that someone who pays for deposits.

Zheng Lang did not explain much and continued: "This is payment, which encourages the people to take out the coins from their homes and put them into the bank. It is a loan, which is divided into two types, small-scale emergency loans, with a short-term annual interest payment of 10%. Long-term fifteen%, and the amount cannot exceed fifty coins. This is a way to save the people, similar to the Qingmiao Law."

The change of Qingmiao Law was implemented for a long time. Because it did not conduct performance assessments, officials were not very interested, and were worried that they would not be able to collect them, and they had conflicts with local large-scale loan sharks. The effect was not great. They even had a clear edict that the people should not be prohibited from seeking loans, and officials from all over the country would not issue Qingmiao grain to the people who asked for loans.

This is an official business.

If half of the private company joins the business, they will lend money in order to seek profit.

So from the beginning, half of the shares in it became private.

"The second is a large loan of commercial nature. The annual interest rate of short-term loans is 15% and the long-term interest rate is 20%. To prevent the loan from being collected, it must be mortgaged with its assets. Those without assets are not allowed to borrow. Banks are originally a move to seek wealth. If a poor household is below the fifth grade, they will be free to provide relief to the court." Zheng Lang sighed. There is nothing we can do about it, even if it is kind, if it is a precedent. Banks everywhere will create fake accounts and say that they have given it to the poor households. If they cannot collect it, the books will be seriously corrupt and the consequences will be unimaginable. In fact, the Qingmiao Law has already had some similar situations. They can only be so cruel and continue to say: "Prevent one capital and more loans. Then the scope of each bank is divided. The lender's asset contract must be handed over to the bank when the loan is borrowed. Then the lender cannot repay it clearly, and the assets can be used as the bank.

Make up for losses. If the assets are overestimated during the estimation, it is a loss for the bank employees, and it is a penalty for internal punishment. Your Majesty, all the ministers. The role played by banks is to use the prestige, power, and huge economic operation capabilities of the court to intermediate. Many people bury coins underground because they do not want to pay interest in the counter. What amount will these coins reach? Only the wealth within the range of the 17 prefectures is at least hundreds of millions of yuan, and the income from usury in the capital in one year is also tens of millions of yuan. Needless to say, the country, the seventeen prefectures I chose, have managed properly and obtained a 10% interest rate spread between the coming and going? Can I estimate the value of this concession stock to be worth about 30 million yuan?"

boom!

The camp exploded in the hall.

There is no way to calculate it. If it is promoted nationwide, the benefits will be even more unimaginable.

The reason why the country is too heavy to use taxes is because it is short of money. If you have money, what's the harm in not collecting two taxes?

The accounts cannot be calculated like this, such as employee salary, transportation costs, losses, etc., and the actual profit is not as optimistic as Zheng Lang said. However, if promoted to the whole country, the profit is really unimaginable. What industry is the most profitable is not the mining industry of Ping Anjian, not the various workshops, but the banks.

The night before yesterday, after Zheng Lang and Zhang Fangping expressed their thoughts, Zhang Fangping was stunned, Cui Xian was stunned, Jiang Xing'er was stunned, Yue'er was unable to come back to her senses, and Sier and Huan'er almost drooled.

Most of the day later, Zhang Fangping said: "This ticket is a big deal."

Even because of its leverage, it will prevent the spread of copper as a commodity, because more monetary support is required. At that time, there will be no ban on the court, but the wealthy businessmen spontaneously donate copper as coins, and the entire market economy will become more and more active. Finally, a virtuous cycle will be formed, pushing the already wealthy economy of the Song Dynasty to a peak.

Zhao Zhen's pale little face showed red light and he said, "Please!"

The report is correct, but more specific steps have to be discussed.

At the same time, Zhao Zhen's idea was profound. If this were the case, one would have the safety supervision and one bank tied all the elites to the imperial chariot together, and the country would be more stable.

"Your Majesty, don't worry, I have another report. The beginning of the bank is not large, and it must be promoted to various prefectures, counties, and towns in the end to truly promote the whole country. The principal required is even greater. Therefore, I think that at the beginning, I cannot use its profitable income, use its income as the bank's current assets, and store part of the dividends in a single treasury so that the principal will continue to expand. Therefore, I believe that there must be a time to operate, be good in good morals, and do not like to make friends with the capable officials in charge of the bank's operations. I recommend Zhang Fangping."

Especially when it comes to the national economy, although public and private are half-divided, private individuals can elect representatives to jointly manage their affairs, and they must jointly manage their affairs, so that officials can manage their affairs. God knows what they will become in the end. But the supervisor must be a senior official of the court.

However, all the officials were dazed together, thinking with contempt, Zheng Xingzhi, you have done too much to use this method to reap people. (To be continued...)
Chapter completed!