He Tan still asked dissatisfiedly: "Is Fang Ping the only one in the world who has talent?"

Zheng Lang finally realized that He Tan impeached the court and punished Zhang Fangping too lightly. Not only was he a plan to surround Wei and save Zhao, but Zhang Fangping was isolated and did not make any popularity in the Censorate. His gentle way of advice also made He Tan dislike. Therefore, He Tan bit Zhang Fangping and refused to let go.

Since that's the case, today I simply solved the problem together. He said: "There are many talents in the world, but they all have their own strengths. He Jingshi, who is the omnipotent talent? From advice to military, water conservancy, agriculture, industry and commerce, taxation, franchise, business, law, and robbery? What I just said was just an outline. The seventeen prefectures and prefectures selected are all the most developed regions in the country. The capital turnover is fast, the flow of flows, and the supply of funds is greater. But as long as you promote it, a phenomenon will appear. In some places, the capital transfer is slow.

, deposit is greater than loan, and some places have fast turnover of funds, and loan is greater than deposit. A nationwide adjustment is inevitable. How to adjust? Why is the interest on deposits fluctuating? If the deposit is fixed, banks can clearly use their funds to lend. However, more than half of it will be current deposits. It is a pity that these money will not be used or used less. If it is used too much, the people come to withdraw money, but the banks have no money to issue it, which affects their prestige. Once the prestige is lost, who will deposit? This is only a state, and the farthest one is now Guangzhou, with a road and a capital coming.

After promotion, there will be a further place, and the road is inconvenient. Even if the horse is fast and the horse is open, it will take more than a month to go back and forth. As the chief official, it must be adjusted in time. How difficult will it be to delay more than a month? What Censor, it is a new thing. Who do you think can handle these affairs properly? Furthermore, it aims to make money. Once implemented, some debts that cannot be paid off must occur. If you fail to check, sell their mortgage assets, which will cause many bad things. How to face it? What I am talking about is only

Some programs have more details, such as floating mobilization of interest rates, investment risks, currency policies, currency transmission mechanisms, broad currency, narrow currency. Base currency, currency circulation speed, currency level, currency multiplier, rediscount, deposit reserves. Excess reserves, legal reserves, reserves, cash business, transfer business. Exchange business, commissioned collection, loan issuance, loan recovery, loan extension, bills of exchange, interest collection, collection, etc. He Jingshi, do you understand?"

Zheng Lang didn't understand much, but he knew a little bit, at least he knew more than those present.

He Tan made these words speechless.

"He censor, his ancestors' family law, expanded the ministers, and Tianshengshi added the clerk to supervise all civil and military officials, and allowed them to hear the ministers. It is best to pay attention to the truth and take into account the overall situation. The damage to the water and soil is serious. Not only this year, if it is not governed or governed improperly, if there is more rain in the future, the Yellow River will be in trouble, and it has nothing to do with Your Majesty or the ministers. This is the excessive farming and pastoral payment for our descendants. You say that the priest is inappropriate, which causes natural disasters. But you ask yourself, how much time has you been since Your Majesty ascended the throne?

The two governments compare the administrative abilities of the ministers of the two governments today? The dam breaks in front, the supplies, rescue personnel, and disaster relief strategies are all implemented one by one on the next day. But you said that the prime ministers of the two governments made mistakes, especially those who used the wrong people and I. As the prime minister, how many talents should be used to allocate in a year, it is just arbitrary act. No matter how hard I make, I am not old or qualified. But I ask you, if you stop the ministers of the two governments together, you will become famous all over the world, but who do you think can do better than the prime ministers of the two governments now?"

“…”

He Tan was speechless, but Zhao Zhen admired it very much.

Now, the talents of Zheng Lang, Song Xiang's loyalty, and Chen Zhizhong's self-admiration and unfriendship are all appreciated by him.

In fact, these two prefectures were at the best time in the Zhao Zhen generation. The East Prefecture had Zheng Lang, Pang Ji, Wen Yanbo, and Chen Zhizhong, and were much better than other ministers. The West Prefecture was slightly inferior to Wang Yaochen. He was no less than Han Fan in his military leadership, and he might be above Pang Ji. He was also reasonable. Several people were in their thirties, forties, and the elders were only in their fifties. This was when people were wise and energetic in their lives.

The three officials are also well equipped with two systems. Ye Qingchen, Ding Du, Zeng Gongliang, etc. are all famous officials of the generation.

This is a practical team.

He Tan has passed some of the tricks.

"He Censor He, it is a new thing, a new policy, a new law, and many involves the way of management. I can say boldly that there are only two people who understand, one is me, and the other is Zhang Fangping. We are not the best ministers in the world, but this method is created by us, discussed and improved, and we are most familiar with it. At least within these five years, the situation will not change. After five years, the operation will be normal and more people who understand can find a replacement. If Zhang Fangping is not used, should I use me? He Censor He is not afraid of exhausting me to death?"

Some ministers chuckled.

"Something bad things will happen, can you say it clearly?" He Tan still refused to give in.

However, Zheng Lang liked it, and today he simply told some possible problems, so as not to be long-winded, and said: "The first sentence I pointed out its nature. In order to make money for the court, everything must have pros and cons. First, there are not many people who understand, and second, there are large institutions, and there will be some mistakes in the people who are identified when issuing loans, and there will be mistakes in the way of collecting money. If you compare usury, it will cause more people to lose their money and commit suicide, and there will be some bad things. But this light interest will give more life opportunities. If you only focus on the words of a very small number of people who commit suicide, even if it is promoted to the whole country, the profit will exceed all the current finances of the country, and even exceed the income of two taxes, but you will be dismissed under the impeachment of the ministers. Think about it, a two tax, because the minority officials cannot enforce the law, how many people will be displaced and their families will be destroyed?"

This is inevitable, and once executed, it will inevitably appear.

It can be as high as 60% to 300% interest, or profits, and it will be many times better than the Song Dynasty. However, it should be clear that some ministers do not care about the seriousness of their words.

Pang Ji asked keenly: "Xingzhi, you said that the only person who understands Fang Ping, what should I do if the states and prefectures do?"

"As soon as it is implemented, each supervisor must be properly allocated, and the court must set up a supervisor. The chief and deputy envoys, digital inspection envoys, and officials of the branch office. As for the minor officials and main accounts, the documents below can be provided by the general department. This is the general leader. As for the local governments, the chief officials and deputy chief officials must be presided over and the general leader. As for the staff and minor officials, it is provided by the commune. As for the county, it is handed over to the commune. First, the court spends too much money on officials," Zheng Lang sighed and said, "Publicly to promote it to the whole country, and all state officials are used. How many officials can be obtained? This number must be controlled in three digits, not four digits and five digits. Continue: "The officials of the court are in charge of the overall situation, and the personnel who are executing below must be flexible and mobility. For example, the collection of loans mentioned earlier. Moreover, its main way of operating income is to use the people's deposits to lend and earn them.

The interest rate spread of employees must have flexible means to encourage the people to deposit money into the bank so that the bank can have enough principal to release the loan. It is unavoidable that the court officials will deal with it. Therefore, the personnel provided by the private contract shares and the accounts are responsible for the overall situation. They do not understand the overall situation, but they are still above the officials. The third is to reassure the shareholders of the contract and the income is open. They will not worry about the court embezzlement. There are also court officials supervising them, so these officials dare not do anything wrong. As for the ministers, they do not understand it. Even if the seventeen prefectures sell Ping An Supervision Contract Shares, Bank Contract Shares, and the principal is in place, and Jiaozi printing is successful, the preparation time will be at least half a year. During this period, Zhang Fangping can guide these officials, and I might as well take the time to guide one or two occasionally. When it is established, these officials will be competent."

"What is this entrusted position?"

"It is equivalent to the deputy envoy of the Three Divisions," Zheng Lang glanced at the ministers again. Zhang Fangping was the chief censor and the envoy of the Three Divisions. The emperor asked him to prepare for the focus of training for the Hanlin Bachelor of the Zhizhizhi. Now he is only the position of deputy envoy of the Three Divisions, which is equivalent to being demoted. This time you are satisfied.

"Return to the inner warehouse, or to the Sansi?"

"Once it is running, the funds are huge and rare since ancient times, and it is not suitable to be classified as an internal warehouse. Even if it is classified as a three-sect, it is not suitable. It must be managed by the Secretariat, and I am also in the Secretariat, so I can take time to cooperate and gradually improve it."

Zhao Zhen suddenly said: "In fact, it is best not to show up for usury."

This is the most interesting scene in the Song Dynasty.

As the emperor himself, he hopes that the world's finances will be owned by the country and that all the people will have no worries about food and clothing, so that the country will be safe. However, as ministers, most of them are representatives of the powerful and powerful, and they often ignore the country and try their best to protect the interests of the powerful and powerful. Therefore, after the Xining reform, two parties arose, Wang Anshi safeguards the interests of the emperor and the country, and Sima Guang safeguards the interests of the powerful and powerful. It is possible that they are unconscious in the situation, but subconsciously they are positioned, resulting in different policy views and disputes.

The truth is that while these powerful people are infringing on national interests, they are also maintaining the rule of the emperor. They should not be too much of the powerful people, but they should not be too indulged in it.

It's the doctrine of the mean again!

Zhao Zhen was a little indulging, and Zhao Xu forced him a little tightly, and he was not sure about the rules.

But as the emperor himself, as long as he is wise, he does not want the powerful to do too much. What is excessive, a large-scale merger of hidden land, evade taxes, and occupy national resources? The one he dislikes most is usury. This thing is too ruthless. Not to mention the 300% ultra-high interest rate and the perverted calculation method of profit-making, even if he gets 60% interest, how many people can afford it?

Zheng Lang replied: "Your Majesty, it is unlikely that even if the bank is established, the employees below will most likely not issue to those under the fourth-class households in order to make profits. If they want to borrow money, they will still find usury loans. Some unworthy children cannot borrow money for a very high cost. They still look for usury loans. They do not have enough funds and are anxious to use funds. They will also find usury loans. It cannot be eliminated. But forcing them to issue to poor families, there will be a large number of bad debts and dead accounts, which will cause serious losses. The same is true for Qingmiao Grain Loans. How many minor officials lend the grain to the people in emergency response? But they dare not force them to lend grain. Once forced, or as a performance appraisal, they will still not lend to poor households, but will forcibly allocate them to third- and fourth-class households to harass the people."

"You can come to the Beijing Wenguyuan to sue it," Gao Ruonai said.

"Glory Gao, it's impossible. If everyone could come to the Drum Court to report it, there wouldn't be any incident where Zhang Hai was forced to be a thief," Zheng Lang shook his head. Later, Wang Anshi made a serious mistake in this matter and found the heaviest attack handle for the Conservatives. Zheng Lang didn't want to repeat the rules. However, Qingmiao Grain is different from the bank. Qingmiao Grain targets poor people, so it is difficult to make a profit, while banks target mostly merchants, so they can make a profit. He also said: "Youngmiao Grain won't mention it,

How many good policies have been implemented since the founding of the imperial court? How many people have come to the Wenguyuan to appeal? Different banks are different. They were established to seek profits and help poor people as much as possible. If you can't help, you don't have to force them, so as not to have bad consequences. If you want to save the people, there are only two ways to save the people. The country reduces the two taxes, reduces the people's taxes, controls the merger of large households, and mixes with some other benevolent policies. Only the poor people can get a vitality."

Speaking of this, he said to Zhao Zhen again: "I have another request. Once the bank is established, the biggest worry is the problem of coins. Therefore, I beg Your Majesty to issue an edict to use all the copper obtained from Ping'an Prison to mint coins, and at least part of the coins obtained from the court can be minted, so that the amount of coins can be increased to more than 15 million yuan a year. After five consecutive years of implementation, the national currency will be more sufficient."

It can only be better to say that even if it takes five years to execute, it will only increase the amount of 3,000 coins, and actually increase the amount of 3,000 coins. It cannot meet the demand for the Song Dynasty's currency. Currency still becomes a problem. Banks will still implement locally for a long time and cannot promote it nationwide. Unless it lasts for a hundred years at a rate of minting 15 million coins per year, it will be possible to meet the demand for the Song Dynasty's currency. It is impossible to start from other aspects. Jiaozi's prestige and the speed of gold and silver flowing into the Song Dynasty. Both are in good condition and take at least fifty years to achieve results. At that time, could Zheng Lang still live in the world?

But there is no need to worry about this. Zheng Lang's way of governing the country is to improve and adjust it in a timely manner. Good policies ten years ago may develop into bad policies in ten years. Timely adjustments are needed so that the country can develop healthily, not only finance, civil, but also military.

Continuing the discussion, it was actually the ministers asking, and Zheng Lang answered.

At noon, Zhao Zhen was excited. The difficulty of the country was one chunk of food and two grains. It seemed that the money had been solved. A big stone fell in his heart, and the ministers and workers were left for the emperor's lunch.

The ministers followed Zhao Zhen to the banquet hall. Before the food was served, they had to wait for a while. Some were watching fish and flowers, some were chatting, palace maids brewing tea, and traveling back and forth, while some ministers were old and needed to take care of them.

Zheng Lang came outside and watched the fish swimming in the pool. Zhao Zhen came over. Zheng Lang gave a gift, Zhao Zhen waved his hand and said, "No need."

Then he looked at Zheng Lang, just smiled and asked, "How about I transfer Fu Bi to Beijing again?"

No matter how Zheng Lang said it was, Zhao Zhen knew that Zheng Lang had selfish intentions. Maybe Zhang Fangping was good at managing the business, but he still used familiar people and close people. Zhao Zhen himself was also using this method to employ people. This selfish intention was for the country. Zhao Zhen was not surprised. Fu Bi and Zheng Lang had a good personal relationship. He had the achievements of fighting rebellion before. This time, Hebei flooded, and many people were affected. Some counties were severely affected. The whole county was covered with oceans, which caused the court to fail to settle one by one in time. Some people fled to nearby Qingzhou or other prefectures. Only Fu Bi was the best to settle the victims and made meritorious again, and was more qualified to transfer him back to the capital, so this question was asked.

"I think it is very appropriate. Now the East Palace of the two prefectures are full of talents, and the West Palace is a little lacking. Song Xiang is loyal and lacks flexibility. Wang Yiyong is too quiet, Gao Ruonai is upright and bold, and he is not good at military leadership. Only Wang Yaochen can value it. If Fu Bi enters the West Palace, he will supplement the West Palace." Zheng Lang replied openly. It is selfish, but this selfishness can be placed on the table. I am not for my personal rights, but for the country's personal gain. What's wrong?

"Where is Cai Xiang?"

"Cai Xiang can let him go out to Quanzhou."

"Why?" Zhao Zhen was puzzled. At this time, Cai Xiang was the transfer envoy of Fujian Road and served as the governor of Quanzhou. He did not rise but decline.

"There is a Luoyang River in the eastern suburb of Quanzhou City. The river is five miles wide at the lower reaches. The ferry crossing is called Wan'an Du. Every tide is intertwined and it cannot be crossed for several days. If you sink a boat and drown, the dead will be counted. Cai Xiang can be the governor of Quanzhou and add a position to make up for his demotion. He will build a bridge here, go to the boat and walk to the people, and give benefits to the people." Cai Xiang has been an official in Fujian for many lifetimes and has many good policies. Luoyang Bridge is the greatest good policy. Not only does he need to be proficient in construction, but he must also understand the nature of the tide. As long as Cai Xiang successfully built the bridge, he will have achievements. With achievements, he can be transferred back to the capital and hold an important position.

Zhao Zhen walked a few steps, wondering whether it was accurate or not, and asked again: "What about Wang Su?"

"Wang Su is straightforward and has not made any suggestions too fiercely. After returning from the mission, he can be allowed to be the Censorate." Zheng Lang said. There is no way, so he has to make some of the politicians lean towards him in order to do things. Otherwise, if this continues, he will be picky about his bones in one egg, which is very uncomfortable.

Zhao Zhen took a few more steps, lowered his voice and asked, "Zheng Qing, have you seen that I haven't moved?"

Zheng Lang looked at Zhao Zhen in shock.

Zhao Zhen said guiltily: "I am just curious."

Not sure if it is true or not, Zheng Lang replied: "It's extremely bright."

That was not saying anything, Zheng Lang added: "The appearance was also out of my accident, beautiful and charming, and also had the cool and heroic spirit of a Western Xia woman."

There may not be many heroic figures. Her daughter is not charming or charming, but she is just beautiful and has the aura of a Western Xia woman, but she is definitely not Zhao Zhen’s dish. Zhao Zhen likes the little jade, but Xiao Guanyin’s type is in line with Zhao Zhen’s taste.

When Zhao Zhen heard this, he immediately lost interest. Has the brave and heroic Cao family in the inner palace been fed up enough?

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