Early the next morning, Yi Zhizu was awakened by the sound outside the door in a daze, and when he woke up, he heard Li Wang calling him outside the door, "Sir, sir, it's time to get up." Pen ~ Fun ~ Pavilion www.biquge.info"

When he came to his senses, he remembered that he was in the palace of Prince Zheng in Haidian's courtyard, yesterday the monk Greenqin feasted, accompanied by a group of clan disciples, although he was quite restrained during the banquet, he had no choice but to be warm, plus the lotus liquor was soft, and unconsciously drank a few more glasses, and followed Su Shun to the courtyard in a daze.

Thinking that Daoguang might continue to summon today, he came to his senses as soon as possible, and quickly turned over and sat up, listening to the movement, the door was immediately pushed open, but it was not Li Wang who came in, but four maids, he didn't think much about it, thinking that it was arranged by Su Shun, and let the four maids wait to dress and wash at the moment.

The four maids were busy in front of and behind him, and Yi Zhishu soon found that these four maids were all extremely beautiful, and two of them were twins, and they were exactly the same, and he couldn't help but secretly sigh that the background in this iron hat palace is different, and any few maids are so outstanding.

After tidying up, he smiled and said, "There are a few girls." ”

The four maids squatted down in unison and said, "If the lord doesn't dislike it, it's the blessing of the slaves and maids." ”

Hearing this was not right, Yi Zhixiang didn't ask much, and when he left the room, he saw Li Wang, and then said softly: "What's the matter?" ”

Li Wang hurriedly said softly: "The little one is not very clear, according to the sixth master, it seems that the nobles of the Jingshi sent it to serve the lord." ”

It's not an uncommon thing to send maids, not to mention sending maids these days, it's not uncommon to send concubines, the question is who sent these maids? Yi Zhishu doesn't have the habit of receiving gifts indiscriminately, and he doesn't like people from unknown backgrounds around him, so he glared at Li Wang.

Li Wang shrunk his neck and said aggrievedly: "Don't dare to call the shots on your own ...... this small matter." ”

"Brother Guocheng ——。" Su Shun walked into the courtyard slowly, and said with a smile on his face: "Did you sleep well yesterday?" ”

Yi Zhishu stepped forward and said with a smile: "Although the lotus liquor is soft, it has a lot of stamina....... ”

Hearing this, Su Shun chuckled and said, "If it weren't for the fear that Brother Guocheng might enter the palace today, I would have tossed until midnight yesterday." As he spoke, he stretched out his hand and said, "It's ready early, let's go fill my stomach first." ”

Walking out of the courtyard slowly, Yi Zhizhi said, "What's the matter with those maids in the room?" ”

Su Shun smiled, "Give a gift to Brother Guocheng, naturally no one will give silver, and we all know that Brother Guocheng doesn't like antiques, calligraphy and paintings, treasures and jades, so naturally I can only give beauties." After a pause, he continued: "The twin sisters were sent by Prince Yi Zaidun, and the other two were sent by Prince Yu Yidao and Prince Su Jingmin. ”

The four maids were actually given by the three princes? Yi Zhishu was secretly taken aback, pondered for a while, and then said, "Is it for the Yuanqi mode?" ”

"Why, I don't know." Su Shun said with a smile: "However, the person was sent overnight, so it is not appropriate to make a noise." ”

Listening to the meaning of this, even if you want to retreat, it is impossible? Yi Zhixiang was speechless for a while, but, then again, even if he can retreat, he is not easy to retreat, this retreat, isn't it a slap in the face of these three princes? It's really impossible to do this little thing.

At nine o'clock in the morning, the little eunuch came to deliver the decree and announce that Yi was content to meet him.

Yi Zhifu had already prepared, and immediately followed the eunuch into the Old Summer Palace, and when he passed through the Xianliang Gate, the little eunuch bowed down and said: "The emperor is in Jiuzhou Qingyan, please follow the slave to go." ”

Listening to this, Yi Zhizhi was secretly happy in his heart, he didn't expect to have the opportunity to visit this Old Summer Palace, all the way forward, the large and small lakes are continuous, the trees are shady, the beautiful palace pavilions can be seen everywhere, the scenery is beautiful, it is suspected that he is in the south of the Yangtze River, the Wu family garden is compared with one, it is really the difference between cloud and mud, and it cannot be compared at all, although the little eunuch reminded him several times not to look around, he still watched it with pleasure.

On the edge of a big lake, Yi Zhishu stopped, handed over the sign, he passed the Ruyi Bridge on a big island, passed through a number of palaces, and finally stopped outside the Shende Hall, and after reporting again, he was brought into the Yangzheng Library, as soon as he entered the room, he caught a glimpse of several ministers sitting in the room, he didn't feel it, and hurriedly saluted.

Daoguang sat behind the desk in civilian clothes, and when he finished saluting, he said gently: "Look at the tea and sit." Taking the opportunity to get up and sit down, Yi Zhizu glanced at the four ministers present, he knew two - Wang Ding and Zhuo Bingtian, and two did not know.

Yi Zhizhi sat down contentedly, and Daoguang said slowly: "Now the imperial court owes 30 million taels of foreign debts, and the annual payment of interest is 1.8 million taels, the imperial court has never been burdened with such a huge debt, all the secretaries here are good at financial management, what is the best strategy, although frankly, what is said today, it is not recorded." ”

The four ministers here, in addition to Wang Ding and Zhuo Bingtian, also have the Minister of Military Aircraft, Qi Liaozao, the head of the household department, and Du Shoutian, the left attendant of the household department. ”

After a moment of silence, Du Shoutian spoke: "During the period of Guan Zhong Xiangqi, because of the war, he once persuaded the rich people to borrow and embezzle to help the country, Shanxi and Shaanxi have always been rich, can you try to try it in Shanxi and Shaanxi provinces?" ”

"Hmph." Wang Ding snorted coldly and said: "Now it's not an emergency, persuade the people to borrow and embezzle, can the interest be lower than Yuanqi?" ”

Du Shoutian said unhurriedly: "Promise a time limit, and replace interest with fame, canonization, and plaques for building workshops." ”

This is tantamount to a disguised donation, to donate to obtain a large interest-free loan, Wang Ding said coldly: "Don't you have to repay the principal?" ”

The room was quiet again, in fact, in the past dynasties, there are not many ways to solve the financial crisis, that is, to raise taxes, increase taxes or use coins, mint big money or bad money, and plunder the people in disguise, and the ministers here really can't think of any good way.

Although Yi Zhishu knew that today's topic was aimed at him, he didn't say a word, putting on a deaf look, Daoguang glanced at him, and said, "Yi Zhicontent, what is your good plan?" ”

Seeing Daoguang on his head, Yi Zhizu bowed slightly and said: "The court owes 30 million in debt, which is a gratifying thing....... ”

Congratulations? What kind of bastard talk is this? owed such a huge debt, Daoguang and their ministers couldn't sleep one by one, this kid actually said that it was gratifying? It can't be that you're not awake, right? The four people present were all stunned, and Daoguang was also at a loss.

Wang Ding knew that he was open-mouthed, but he didn't expect him to be so bold in front of Daoguang, and hurriedly reprimanded: "Hugh's nonsense, be careful about losing your manners." ”

Daoguang waved his hand and said, "It's okay, all of you can speak freely today." After a slight pause, he said suspiciously: "The court owes debts, is it difficult or a good thing?" ”

"How dare Weichen open his mouth." Yi Zhishu said calmly: "Compared with the imperial court hoarding tens of millions of taels of silver in the treasury, the imperial court owes 30 million in debt, which is indeed a good thing, which can be said to be beneficial to the country and the people, not only conducive to promoting the circulation of silver, but also conducive to promoting the rapid formation of the financial market of the Qing Dynasty, and is conducive to the Qing Dynasty to change the national policy model." ”

Hearing this, everyone knew that he was not joking, but they were all confused and couldn't understand, this time without waiting for Daoguang to speak, Zhuo Bingtian urged: "Contentment, tell me in detail, what's going on?" ”

"This matter is not clear in a few words." Yi Zhishu smiled and said: "The imperial court owes 30 million debts, 10 million is the issuance of five-year treasury bonds, and the other 20 million is dismantled to Yuan Qi. ”

Indefinite Treasury bonds, 6% interest repayment per year? Hearing this, a few people were stunned again, there are still such good things in the world? Qi Liaozao said in a trembling voice: "It is equivalent to saying that with 20 million, the imperial court does not need to repay the principal, but only needs to repay 1.2 million taels of interest every year?" ”

Yi Zhixiang nodded and said, "Of course, but if the imperial court has enough financial resources to repay the principal, it is also possible." ”

Did this guy get kicked in the head by a donkey? Or was it caught in the door? Are you willing to do such a loss-making business? How exactly does Yuanqi make money? Everyone stared at him like a monster, and even Daoguang was puzzled, did Yuan Qi want to please the court?

After a while, Zhuo Bingtian came back to his senses and said, "What are the conditions?" ”

Yi Zhixiang unconsciously took out a cigar, but realized that the occasion was wrong, so he didn't dare to light it, so he put it on the tip of his nose and sniffed it lightly. ”

"Thank you for your grace." Yi Zhizhi thanked him in his mouth, but he didn't light his cigar, and said with a slight sigh: "When the Holy Grandfather was in power, England issued 60 million treasury bonds in order to raise military expenses for the war, of which 20 million were indefinite treasury bonds, which were held by the Bank of England, the East India Company and the South China Sea Company.

Now in the Qing Dynasty, only Yuan Qi has the strength to share worries for the monarch and express difficulties for the country, how can he care? Moreover, from the day of its establishment, Yuanqi has received strong support from the imperial court and local governments. ”

The latter sentence was automatically filtered out by several people present, but they were very interested in the previous sentence, England was able to issue 60 million treasury bonds at a time, and 20 million were indefinite treasury bonds, which means that this indefinite treasury bonds have long been available in the West.

Several of you here are good at financial management, and they have all worked in the household department, so they naturally know what the indefinite treasury bond means, which will unexpectedly greatly improve the debt ability of the imperial court!

Zhuo Bingtian reacted the fastest, and said tentatively: "The reason why England can issue such a large-scale treasury bond at one time is because England has a mature financial market?" ”

Yi Zhi said: "England has a well-developed banking industry, a sound financial market and system, and now Yuanqi is still in its infancy, and there are no other powerful and large-scale banks or industrial companies in the Qing Dynasty, which cannot share more national debts for the imperial court, but I believe that this situation will soon change." ”

If 20 million taels of silver become an indefinite treasury bond, the pressure on the imperial court will be greatly reduced, Daoguang's eyes are a little complicated and look at Yi Zhizhi, he understands that the other party hopes that there will be a few more banks or companies with strong financial strength like Yuanqi in the Qing Dynasty, thinking of the other party's proposal to implement the Yuanqi model in various provinces a few days ago, which shows that the other party's words are from a sincere heart.

There was silence in the room for a moment, and Du Shoutian said in a sullen voice: "Isn't it not conducive to promoting the formation of the financial market and changing the national policy model by converting the 20 million arrears into indefinite treasury bonds?" ”

"From Yuanqi undertaking the issuance of 10 million treasury bonds by the imperial court to 20 million indefinite treasury bonds this time, it is Yuanqi who has given the imperial court a taste of the sweetness of developing the financial bond market." Yi Zhifu said bluntly: "The Qing Dynasty did not have a mature banking system and mature financial financing channels, which was not only not conducive to the imperial court, but also to the local development of industry, commerce, agriculture, and handicrafts, and was not conducive to protecting farmers, curbing land annexation, resisting natural disasters, and alleviating social .......contradictions.

What is the interest on loans in Daqing today? The cheapest is 12% per annum, the cheapest is 18% and 24% per annum, the normal is 36%, as for the high, 40-50% is not high, % are available, there are more Indian money, donkey rolling, Ligali, one repays three, turns over every year, borrows a year, pays back ten years, several lifetimes, and it is not over. ”

As soon as these words fell, the quiet needle drop in the room could be heard, and even Daoguang's heart jumped, he understood it, the financial market, the banking industry, the national policy model, Yuan Qi is going to completely crack down on pawnshops and loan sharks!

What is the most profitable business in the Qing Dynasty? There is no doubt that it is to open a pawnshop and make usury! The royal family, officials at all levels, officials and gentry, businessmen and wealthy households, landlords and powerful people, military officers and soldiers, etc., all opened pawnshops and offered usury, and the imperial court also encouraged the distribution of interest-bearing silver for local military and political officials to operate and earn interest, and there were as many as 25,600 legal pawn shops opened in the government offices across the country.

After being quiet for a long time, Wang Ding spoke: "Now in Guangdong, is there still a pawnshop?" ”

"Yes." Yi Zhizhi said loudly: "But the number is very small, the whole Guangzhou is now only more than ten pawnshops, usury has disappeared on the bright side, small loans Yuan Qi has the rule of depositing one loan two, large loans can be mortgaged and borrowed, the annual interest rate is between 12% and 24%, ......." ”

Wang Ding said: "Yuanqi's monopoly on Guangdong's money industry is still so high? ”

"There's always a transition phase, no." Yi Zhizu smiled and said: "In the past few years, the southeast has been turbulent, and Yuanqi's life is not easy, it is estimated that within ten years, Yuanqi will have enough financial resources to reduce the annual interest rate to below 12%, in fact, now for the loan application for opening factories, mines, large workshops, etc., the annual interest rate is 12%. ”

After a little hesitation, Wang Ding spoke: "Yuan Qi wants to open a branch in other provinces? ”

Hearing this, Zhuo Bingtian, Qi Liaozao, and Du Shoutian were all nervous, and Wang Ding dared to ask, if Yuan Qi was allowed to open a semicolon all over the provinces of the Qing Dynasty, how would Yuan Qi be curbed in the future? (To be continued.) )