As a traditional wealthy family, the biggest reliance of the five surnames is their status as "big landlords". Pen inkstone pavilion . biyan。 There is too much land for them, so much that Li Shimin is greedy, and with the support of this large piece of land, they account for a large share of agricultural taxes.

Although their family is also in business, it is only done by some side branch children, and doing business is a disgraceful thing, even the courtiers have to do it secretly, not to mention the most cheeky five surnames.

If the commercial tax is changed and the commercial tax system becomes the main body of national taxation, correspondingly, the control of the five surnames over the state will be greatly reduced. Although they can still live a rich life that ordinary people can't imagine with a large amount of land, in the business world, they are just a group of big landlords, and they are no longer in the stream.

The expansion of the imperial examination system can reduce the number of officials in the court, and a series of commercial reforms can reduce their influence on the court from taxes.

Anyway, it is impossible for them to really do business, as the heirs of traditional culture, they rely on traditional knowledge to improve their status, once they change to business, it is equivalent to smashing their own signboards

For example, the Wang family, who was squeezed out of the shopping mall by Lao Yuan in winter, when a discerning person saw that this was the cold front of the Duke of Xi Guo dealing with the Wang family, rather than simply going downstairs to deal with some Taiyuan businessmen, the Wang family was stunned and suffered this bitter fruit and was completely silent.

Therefore, for the sake of their influence in Shilin, they must be unwilling to do business on a large scale in this reform.

Over time, all they have left is those broken books

Thinking about these clearly, the eldest grandson Wuji nodded, "That's true, the five surnames will lose their influence on the court because of this." ”

After saying that, the eldest grandson Wuji found that the emperor's brother-in-law was glaring at him, what was wrong

Oh yes, the words of the Duke of Xi are not finished yet, and they are interrupted

Eldest Sun Wuji closed his mouth and waited for Leng Feng to continue.

Leng Feng sighed, "Banks, how to say, can promote business prosperity to a certain extent, banks accept and save the money of merchants, they not only do not have to pay custody fees, but also receive some dividends from bank loans." In this way, who will be idle and have nothing to hide money at home and not to mention that the white copper money will turn black, even if they encounter robberies and robberies, it is enough for them to bear it.

What's more, even if it is a small business, large transactions, the amount of money needed is countless, why do you say that there are countless just take the auction of bear skins, it is not considered to take gold and silver, it is copper coins, Lao Yuan is upset, and finally, I am afraid that Lao Yuan's workload is too large, so I simply let him weigh the copper coins and keep accounts.

Merchants came from all over the world, running back and forth, and it was impossible to carry copper coins, so in fact, they would still exchange copper coins for gold and silver to carry. Although gold and silver are more convenient than a cart of copper coins, they are also heavier, and there is no way to run when they encounter a roadblock and robbery.

At this time, the role of the bank is highlighted, saving money in Chang'an, and when it arrives in Yangzhou, or other places, it can also be withdrawn in the bank, which is extremely convenient. ”

Fang Xuanling nodded, it is convenient to be in such a situation, and those who don't deposit money in the bank are fools.

Li Shimin thought for a long time before nodding, "It's useful, it's really useful, but this has to face a very serious problem, that is, there is corruption in the tax process, so this bank, its scale is huge, the amount of money is huge, if there are corrupt officials"

The tax revenue in the early years of Zhenguan was like a sieve, there were leaks everywhere, and under Li Shimin's vigorous rectification in the past two years, it finally returned to its normal appearance.

Human nature is greedy, coupled with the fact that the education of the Tang Dynasty is backward, and some low-level officials even have rogue responsibilities in the market, so loopholes are inevitable.

Leng Feng nodded, "This is Dr. Wei's duty, we can't guarantee that there will be no corrupt officials, we can only ensure that after a corrupt official appears, we can check him out as soon as possible."

Wei Zheng stroked his beard, "If we can really relieve the pressure on the people and even achieve the goal of no tax on agriculture, then the old man will break these two legs, and he must also ensure the normal operation of the 1 bank."

Having said that, it can be regarded as finalizing the construction of the bank.

Li Shimin said to Leng Feng, "Leng Feng, how are you going to get this bank, who will lead the bank?"

Leng Feng had already thought about this matter, "The leader of the bank should be an official position, incorporated into the system of the imperial court, and the Ministry of Civil Affairs is a very suitable place, in short, the leader of the bank should not be a certain family, it should not be a high-ranking person, even the emperor." ”

After saying this, Leng Feng glanced at Li Shimin, as the emperor with the greatest desire for power in the world, it is still unknown whether Li Shimin can agree with this sentence.

Surprisingly, Li Shimin actually agreed

"Of course you can, it's just that how to decide on the candidate"

How to determine this is a big problem, the person who leads the bank, it can be said that he has a lot of power, although it is now tentatively under the jurisdiction of the Ministry of People, but if it is really created, the importance of this person is definitely the same level as the Ministry of People's Affairs.

In order for the bank not to become a weight in the court party struggle, this candidate must not bear the family mark, to be honest, this is very difficult, there are only a few people who have the ability to take on heavy responsibilities, but these people

Thinking of this, Li Shimin, eldest grandson Wuji, Fang Xuanling, and Wei Zheng turned their heads to Leng Feng together.

Leng Feng glanced at these people, "What do you mean, it won't be for me to come, how can this work, I am also one of the family forces." ”

Li Shimin pouted: "Family Leng family, do you know what the concept of family is?"

A family is called a "family" by a surname, and a family by thousands or thousands of people is called a "family".

The reason why the five surnames are one of the largest families is because the number of people in the side branches of their main family is innumerable.

Although Leng Feng has now gained a firm foothold in the court, if it is about the family, how can he and his daughter-in-law and girl be qualified to be called a family

Leng Feng still shook his head, "Don't even think about it, when the head of the bank, things are very troublesome day by day, I don't have that leisure, so let's do it, if there is something to do, the head of the bank, let Li Chengqian be the director, I will guide you." ”

Apprentices, that's what they used to pit.

Fang Xuanling flicked his sleeves, "Isn't this nonsense, how can the prince be a specific official position, not to mention, how old is the prince?"

Wei Zheng also shook his beard, "The bank is very important, how can you let the prince be the leader?"

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