Yi Zhi's answer is not true, Deng Tingzhen listened to it with a smile, on the day of the opening of Yuanqi Bank, Wu Bingjian visited him urgently, and proposed Yuanqi's unification of the finance of Guangdong Province, which can be seen that Yuanqi is basically a declaration of war against Guangzhou Money Bank, but now Yi Zhizhi is an understatement, saying that it is just to absorb deposits, how can he believe it?

Is this little guy going around in circles with him? Deng Tingzhen secretly felt funny, and immediately said straight to the point: "Yuan Qi's unification of Guangzhou money bank, such a feat, since the birth of the Song Dynasty money village, has never been, it will inevitably cause a sensation in the government and the opposition, not to mention the unification of Guangdong's money bank, the governor sits in the two Guangzhou, such a big event, it is inevitable to play the imperial court, I don't know what to be satisfied with?" ”

This is the main purpose of Deng Tingzhen's summoning him today? Yi Zhicontentment's heart sank, Deng Tingzhen's words were obviously a little shaken, he was worried that Yuan Qi's unification of Guangdong money would cause the imperial court's jealousy and suspicion, it seems that there must be sufficient reasons to persuade the imperial court, otherwise not to mention the unification of Guangdong's financial industry, even the situation of unifying Guangzhou's financial industry will be lost.

After a slight groan, he spoke: "Isn't it enough to impress the imperial court by minting silver dollars, unifying the currency of the Qing Dynasty, and completely expelling foreign silver?" ”

"This alone is not enough to tempt the imperial court." Deng Tingzhen shook his head slightly, and said: "The puppet lives in the middle of the road, raises his arms and exhales, the servant is like a cloud, not the blessing of the imperial court, Yuan Qi unifies the money of Guangdong, the wealth is strong, and the east gang is more than 10,000, how can the imperial court not worry?" Weighing the pros and cons, minting silver dollars, and driving away foreign silver, it is not worth mentioning. ”

Yi Zhizhi smiled contentedly, and said: "My lord is too worried, Yuanqi dominates the financial industry of Guangdong, and it is true that the wealth is powerful, and it is not false that the eastern gang is over 10,000, but all the silver deposits of Yuanqi are concentrated in the city, the prefecture, and the county, all of which are under the control of the local government. ”

Deng Tingzhen was slightly stunned, this is true, the deposits of Yuanqi Bank are all in the city, and they can be seized at any time.

After a slight pause, Yi Zhizhi continued: "If you want to weigh the pros and cons, Yuanqi's unification of Guangdong's finance can be said to have 100 advantages and no disadvantages..." ”

Hearing this, Deng Tingzhen said with a smile: "This governor has been in the local area for a long time, and is familiar with military and civil affairs, but he is not good at the way of economy. ”

Yi Zhishu nodded slightly and said: "The rise and fall of a country, the first look at the economy, the prosperity and decline of the economy, the focus is on finance, what is finance?" In short, the economic activities related to currency are called finance, the issuance, circulation and withdrawal of currency, the issuance and recovery of loans, the deposit and withdrawal of deposits, and the exchange of foreign exchange are all called finance.

Originally, there were many pawnshops and printing bureaus in Guangzhou, and there were more than 2,000 pawnshops in large and small banks, and the interest rates on deposits and loans were different, and the difference between the flat color and color interest rates was different, and the money bills issued were various, and the Yuanqi Bank unified Guangzhou's financial industry, first of all, it ended this chaotic situation, and unified the deposit and loan interest, flat color interest rate spread, and money bills, and its significance was no less than the unified text and weights and measures.

Although it is a monopoly, but Yuanqi is a substantial reduction of the spread between deposits and loans, and will gradually reduce the interest rate of loans, the significance of low-interest lending is extremely significant, the economic prosperity and decline of a country, a province and a place, to a large extent depends on the level of loan interest, low interest can greatly promote the development of agriculture, commerce, handicrafts, has an immeasurable positive effect on the military, government and civil affairs, and vice versa.

The unification of the financial industry is conducive to stabilizing prices, regulating prices, circulating money and goods, focusing on the development of urgently needed industries, and also conducive to supervision and macroeconomic regulation and control. ”

Listening to these words, Deng Tingzhen couldn't help frowning, listening to the benefits are many, but what he said is too general, he groaned slightly, and then he said: "The princes of the imperial court, there are very few people who are familiar with the economy, and they are even more worried about finance. ”

How do you give this example? This category is also too big, Yi Zhizhi thought for a moment before he spoke: "The financial coverage is too wide, it can be said to be all-encompassing, adults ask, in the next answer, can it be done?" ”

Deng Tingzhen nodded slightly: "The Qing Dynasty is agriculture-oriented, contented and talk about the benefits of Yuanqi's unification of Guangdong finance to agriculture?" ”

"First of all, Yuanqi's low-interest lending can effectively slow down land annexation." Yi Zhishu said aloud without thinking about it, just this sentence, Deng Tingzhen, who listened to it, was moved, the phenomenon of land annexation is now becoming more and more serious, the population is growing rapidly, but the land is not only not long, but gradually concentrated, and the landless peasants are accumulating day by day, which has become the source of local turmoil and the heart disease of the imperial court.

"Low-interest lending will greatly slow down the exploitation of peasants by usury and enhance their viability." "In a year of famine or poor harvest, Yuanqi can lend at low interest or even no interest according to the severity of the disaster to help farmers survive the famine without having to sell land, so as to effectively slow down land annexation," Yi Zhizhi said.

In addition, small loans at low interest rates are conducive to the peasants' development of animal husbandry, such as raising chickens, ducks, pigs, sheep, and so on. ”

Deng Tingzhen said suspiciously: "I heard that Yuanqi lends money, all of which must be mortgaged or guaranteed..." ”

"This time and that time." Yi Zhisuff said with a smile: "Yuanqi was first built, there are enemies on all sides, we have to be cautious, once the financial system is unified, all measures will be gradually relaxed, especially for farmers." ”

Deng Tingzhen nodded and said: "The major affairs of the country, only worship and Rong, war is the most important matter of the court and the local government, contentment might as well take war as an example and talk about the benefits of Yuanqi?" ”

Yi Zhishu glanced at him and said: "As we all know, the soldiers and horses go first before the grain and grass are moved, and the war is fought with money and grain, with soldiers, with soldiers, with the source of soldiers, and with the economic strength of a country, in the final analysis, what is fought is silver!"

If the treasury has silver, this battle will be fought easily, but if the treasury has no silver, how can this battle be fought? Apportionment to the provinces, donations? If you encounter a protracted war or a great war that overthrows the country, I am afraid that the war will not stop, and civil strife will ....... ”

Listening to this, Deng Tingzhen's expression was rarely solemn, since Jiaqing ascended the throne, religious rebellion, riots are frequent, the family funds accumulated in the prosperous era of Kangqian have been exhausted, since the Daoguang Imperial Pole, the war has not stopped, the treasury has long been beyond its means, all rely on the assessment to the provinces, to the merchants to donate support, really to encounter a protracted war, the consequences are unimaginable.

He couldn't help but say, "Could it be that Yuan Qi can have a proper way to solve it?" ”

Yi Zhixiang smiled and said, "In Europe, wars frequently break out between England and France, do you know how the two countries can still wage large-scale wars when the treasury is empty?" Quite simply, the national debt! Issuance of government bonds! Yuan Qi could take on the heavy responsibility of issuing treasury bonds for the imperial court. ”