Yi Zhizhi glanced at Wang Ding gratefully, shook his head with a smile, and said, "Yuanqi doesn't plan to open a branch in other provinces. Pen %Fun %Pavilion www.biquge.info"

Hearing this, Zhuo Bingtian was quite surprised, Wang Ding went out to guide him like this, Yi Zhishu actually refused, you must know that this opportunity is very rare, Yuan Qicai converted the 20 million debts owed by the imperial court into indefinite treasury bonds, if he agreed, Daoguang would definitely not refute it, he couldn't help but say: "Why is this?" ”

"Because of the banks of the West." Yi Zhizu said slowly: "With the signing of the "Jiangning Treaty", the banks of Western countries led by England, France, the United States and other countries will soon land in the Qing Dynasty and open branches in various treaty ports, these Western banks will be Yuanqi's strongest and most dangerous opponents, and they can even be said to be enemies!" Yuan Qi must focus his main efforts on the confrontation with the Western Bank. ”

Hearing this, Wang Ding and the four couldn't help but look at each other, Daoguang was puzzled, and after thinking about it, he couldn't help but say: "The interest rate of the Western Bank is low, and it is not beneficial for the Qing Dynasty to come to open a branch?" ”

Yi Zhizu raised his head and glanced at Daoguang, then looked at Wang Ding and Zhuo Bingtian, and said in a deep voice: "Our Qing Dynasty has a vast territory, whether it is a land territory or a maritime territory, it is very vast, with great depth and room for maneuver, but for a country's security, land and sea borders are not the most important, the most important thing is the financial frontier!" ”

Financial frontiers, financial frontiers? Wang Ding and Zhuo Bingtian were all staring at each other, obviously they had heard of this word for the first time, and Daoguang had never heard of it either, but it was difficult to open his mouth with a shelf, and finally Du Shoutian said: "What is the financial frontier?" ”

"Currency is the foundation of finance, and what the financial frontier guards against is currency invasion and currency war." Yi Zhifen said in a deep voice: "Western countries issue different currencies, the British pound, the French franc, the American dollar, the Prussian mark, the Russian ruble, ...... can establish monetary hegemony in the world, who can seize the world's wealth through currency!" ”

After a pause, he said in a deep voice, "Whether it's a crow. Piece trade, or this because of the crow. The war caused by the film, in Weichen's view, is just an appearance, but in fact, England is aimed at the silver system of the Qing Dynasty!

Crow. If the Qing Dynasty does not ban smoking, the silver continues to lose for a period of time, which can lead to the collapse of the Qing silver system, the Qing Dynasty has no legal paper money, the silver system collapses, and the English pound can take advantage of the void!

The Qing Dynasty banned smoking, England brazenly provoked a war, forced the Qing Dynasty to open a treaty port, and obtained the right to open a bank in the treaty port, and then with the help of the bank to let the pound pour into the Qing Dynasty, in fact, this is a premeditated and planned currency war launched by England to promote the hegemony of the pound sterling credit pound, but we have not been aware of it!

Once the monetary autonomy and financial rights are lost, the Qing Dynasty's trade pricing power, industrial development positioning power, government fiscal and taxation power, military and national defense expenditure rights and so on will gradually decline, and after a long time, the Qing Dynasty will inevitably face a miserable end of man-made swords and fish and meat! ”

These words only listened to the five people present stunned, and even Daoguang was a little out of shape, if Yi Zhi's analysis and guess were true, it would be terrible!

After a while, Zhuo Bingtian hesitated and asked, "The pound is a paper currency?" Which countries' currencies are paper money? ”

"Yes, it's all paper money." Yi Zhishu nodded: "However, the banknotes of these countries can be directly exchanged for a fixed amount of gold and silver, and the pound sterling is directly linked to gold, and one pound can be exchanged for seven .3 grams of pure gold, which is equivalent to two coins of pure gold." ”

Zhuo Bingtian then asked, "What is monetary hegemony?" ”

"England is now pushing for sterling hegemony." Yi Zhizhi said: "It is to let the pound be circulated like gold and silver in all countries around the world." After a pause, he continued: "We don't have our own legal tender in Daqing, once the Bank of England opens a branch in Daqing, a large number of pounds will pour into circulation, which will be tantamount to a catastrophe for Daqing!" ”

Hearing this, Zhuo Bingtian's face suddenly became a little ugly, he knew very well the situation of foreign silver dollars flooding in the southeastern provinces, if the pound banknotes were flooding in the Qing Dynasty, what would it mean? The catastrophe is definitely not a lie!

Although the Qing Dynasty did not issue paper money, but since the Song Dynasty China has begun to try to issue paper money, the Yuan and Ming dynasties, especially the Ming Dynasty, is a large number of paper money, several people here for the Ming Dynasty how to become waste paper out of the market are well understood, naturally clear that easy to know that this is not a lie.

Qi Liaozao said in a deep voice: "Even if the Bank of England comes to Daqing to open a branch, it can only be limited to four treaty ports, and even if the pound pours into the circulation of Daqing, it will inevitably be limited ......" ”

"The Bank of England has low interest rates, strong principal, and a large number of trade contacts, which can easily support the integration of the money and silver accounts of the surrounding prefectures and counties, to put it bluntly, support puppets, promote the credit of the pound, and promote the circulation of the pound." Yi Zhishu refuted: "Not to mention the Bank of England, even Yuanqi can now easily support the integration of the province's money industry." ”

Zhuo Bingtian said: "Then how to deal with it? ”

"The current money industry in the Qing Dynasty is like a plate of scattered sand, and it is impossible to resist the impact of foreign banks." Yi Zhizhi said: "It is necessary to integrate the money industry in all provinces, especially the coastal provinces along the river, as soon as possible, so that one or several money banks can form a monopoly situation, so as to cope with the financial impact in the future." Moreover, it is also of great benefit to the imperial court. ”

Wang Ding said in a sullen voice: "The imperial court may unify the money industry of the provinces? ”

"It's simply not possible." Yi Zhishu said without hesitation: "The imperial court does not have such a huge amount of funds at all, and besides, such a huge money bank must have a strict management system, a loan review system and a personnel system, etc., if it is managed by the imperial court, the consequences are difficult to predict......." ”

Hearing this, Daoguang was speechless for a while, but think about it, the rule of officials, corruption is common, if the imperial court opens a bank, no matter how strict the management system, lending review system and personnel system will be exploited by officials, a group of officials must work together, and the bank will be bankrupt in a few years.

Zhuo Bingtian then asked, "Is the pound sterling issued by the English court?" ”

As soon as he heard this, Yi Zhizhi knew what Zhuo Bingtian meant, and the imperial court wanted to issue banknotes, so he said firmly: "No!" The British pound is issued by the Bank of England, the largest bank in England, based on the amount of gold in reserve, and it is for this reason that the pound has sufficient credit guarantees. ”

"Can Yuanqi issue banknotes?" This is Daoguang asked, the voice was not loud, but Yi Zhishu was secretly vigilant, and hurriedly said: "Yuanqi does not have the ability to issue banknotes, because there are not enough gold reserves, and there is no corresponding technical ability to issue banknotes, once the banknotes are imitated, the bank will face bankruptcy and bankruptcy." ”

Du Shoutian was puzzled and said: "Why gold reserves? What circulated in the Qing Dynasty was silver. ”

"With the improvement of silver mining technology and the increase in production, silver, as a currency, will sooner or later be eliminated from circulation." Yi Zhizhi said: "This can be predicted from the gradual increase in the exchange ratio of gold and silver, which is now 16 to 1, and in another 20 years, it may reach 20 to 1, and even 40 to 1 in the future."

If silver is used as a reserve to issue currency, with the continuous depreciation of silver, the currency will also depreciate, once silver is out of circulation, currency will become waste paper, therefore, to issue banknotes, gold must be used as a reserve, there is a saying in the West, currency is naturally not gold, but gold is naturally currency. ”

Issuing banknotes with gold as a reserve? The gold reserves of the Qing Dynasty are pitiful, Daoguang secretly sighed in his heart, the gold production of the Qing Dynasty is too small, only a few thousand taels a year, it is simply not enough to make ends meet, when Qianlong wanted to build a golden pagoda in order to commemorate his biological mother, the deposit of the Guangchu Division was not even a thousand taels, so a lot of gold was melted for this, and more than 2,000 taels of gold were gathered, and it seems that the exploration and mining of gold mines will be increased in the future.

Daoguang was depressed, but Zhuo Bingtian said: "There is less gold and more silver in the Qing Dynasty, and there is no gold circulating on the market, how can I reserve it?" ”

Hearing this, Yi Zhizhi smiled disapprovingly, and said, "Our territory in the Qing Dynasty is vast, how can there be no gold mines?" There is no shortage of gold mines in Sichuan and Yunnan, Linglong gold mines in Shandong, gold mines in Hunan, Liaodong and Mongolia, as long as the imperial court increases exploration and mining efforts, gold production can naturally increase significantly.

Of course, it is not enough to rely on domestic mining, but also to plunder abroad, the Japanese country, the South Seas, Africa, Australia, the Americas, there are many gold mines, send troops to rob, to mine. ”

What he said was light and light, but Wang Ding, Zhuo Bingtian and several others all looked at him with strange eyes, was this a daydream or what? Could it be that Annan forcibly occupied the Hongji Coal Mine and tasted the sweetness? After all, it is on the edge of the Qing Dynasty, Africa, Australia, and the Americas, and they can also be robbed?

Daoguang took a sip of tea slowly, and Yuan Qi converted the 20 million debts into indefinite treasury bonds, as if he had removed a big stone that was pressing on his heart, making him a lot easier, but this ease was fleeting, and Yi Zhixin said that the landing of the Western Bank in Daqing would bring great potential danger to him.

What is slightly gratifying is that Yuan Qi no longer expands, but shifts his main energy to resisting the financial invasion of Western banks, and hopes that the provinces will monopolize the money industry as soon as possible, as for paper money, he didn't think much about it, not to mention gold reserves, even silver reserves are not available in the imperial court, what to issue paper money? Besides, there are so many things to worry about now that he doesn't have the energy to take care of them.

For him, how to increase the income of the imperial court and pay off the debts as soon as possible is the top priority, he can't leave a mess for his descendants, and he doesn't want his successor to be like him, who was anxious at the beginning of the imperial pole. As for Yuan Qi, without Yuan Qi's group training, it would not pose a threat to the imperial court.

Putting down the teacup, he spoke: "Even if the 20 million debts are converted into indefinite treasury bonds, the imperial court still has 10 million five-year treasury bonds, and the imperial court will have to spend more than 4 million yuan a year with interest, besides, now the imperial court still has to prepare for the construction of a navy, and it is still a situation where it is ...... to make ends meet." ”

Seeing that Daoguang turned the topic around, Qi Liaozao insisted on his opinion, "Your Majesty, in a war with England, the imperial court spent a lot of money, and Henan broke the embankment, which cost more than 6 million yuan of Hegongyin, and Weichen prayed for a special donation ....... ”

Wang Ding is particularly opposed to the special donation, he also knows that the reason why Daoguang asked so is also hesitant, hoping to find a proper long-term solution to the financial crisis from Yi Zhixiang, when even said in a deep voice: "The special big donation is to live with disadvantages, and it is not a last resort, do not make a big donation!" ”

Yi Zhixiang opposes the change of currency, but does not oppose donation, and he knows very well that it is impossible for the imperial court to eliminate donations at present, you must know that the annual regular donation income of the imperial court is four million taels of silver, and it is impossible to exempt it from the current situation of the Qing Dynasty.

Seeing Daoguang looking at him with inquiring eyes, he groaned slightly, and then he spoke: "Wei Chen secretly thinks that the special big donation is also a way to raise funds. ”

Wang Ding glared at him and said dissatisfiedly: "That time, because there was no big donation for many years, so the donation was enthusiastic, but in the following decades, more than a dozen large donations were made one after another, even if it was a high-quality fertile field, one stubble after another, the fertility was exhausted." ”

Hearing this, Yi Zhishu suddenly understood that he was wrong, in the current situation, it is impossible to think about a big donation of 30 million again, Emperor Jiaqing has harvested too much, and has turned a fertile field into a thin field, no wonder Daoguang has not made a big donation.

After a slight sigh, he spoke: "Indefinite treasury bonds, Yuan Qi guarantees from it, it may be quite attractive, in addition, you can also issue lottery bonds, once the provinces complete the monopoly of the money industry, the imperial court can also issue financial bonds ......." ”

Daoguang's eyes lit up when he heard this, and he hurriedly asked, "What's going on with lottery bonds?" ”

Wang Ding, Zhuo Bingtian, Qi Liaozao, and Du Shoutian were also in good spirits, they felt that it was extremely tricky, and they were helpless.

Yi Zhizu said slowly: "Lottery bonds, in essence, are to use people's speculative psychology of participating in gambling to obtain profits to issue bonds and raise funds ....... ”

It wasn't until three o'clock in the afternoon that Yi Zhizhi walked out of the gate of the Old Summer Palace, and he breathed a sigh of relief in his heart. (To be continued.) )