Ask for a subscription!

"I heard that Zhang Sanlang went back to Ba?"

Li Shimin came back from the palace, holding a new chapter of the Zizhi Tongjian. Pen | fun | pavilion www. ｂｉｑｕｇｅ。 I finished reading the info chapter quickly, and Li Shimin, who didn't read it, put it down helplessly. This Zhang San, the new chapter has been written more and more slowly recently, and he was still working very hard, and he quickly wrote the seven volumes of the Zhou and Qin periods, but after writing the Han period, it slowed down, and it took a long time to wait for a new chapter.

It's all written so slowly, this Zhang San actually went to the countryside.

"I heard that Zhang San went back to arrange for mulberry planting and ploughing." Fang Xuanling has been very familiar with Zhang Chao recently, and took the opportunity to compile dictionaries and revise books in the Hanlin Academy, and talked with Zhang Chao from time to time. "Zhang San bought more than 10,000 acres of barren ditch slopes in Bashang last year, spent a lot of money to invite many villagers to repair the dam for him, and also opened up thousands of acres of terraced fields on the barren slopes on both sides of the ditch, it is said that this year to plant trees and vegetables on the barren slopes, raise chickens and ducks, well, but also plant 1,000 acres of rice, and in a few years, according to him, at least 3,000 acres of rice fields can be opened. After the dam is built in the ditch and the water is stored, lotus roots will be planted, fish and ducks will be raised. ”

Li Shimin was greatly surprised when he heard this.

"More than 10,000 acres of barren ditches can open up 3,000 acres of paddy fields for growing rice?"

Although Li Shimin is old, and he has mainly led troops to fight in these years, he is not completely unfamiliar with agricultural affairs. He knew quite well how amazing it must be that a barren ditch had been turned into a rice field. If these are the facts, it would be remarkable. There are many large and small rivers flowing into Chang'an on all sides of Chang'an, and the so-called eight rivers surround Chang'an, which are only eight main rivers, and there are many tributaries.

Many of the upper reaches or tributaries of rivers are barren ditches and barren slopes such as Bashang bathing ditch. Now, it is not surprising that such a barren ditch slope can be turned into a rice grain river, this is a huge wealth.

The capital of the Tang Dynasty is Guanzhong, but there is only one plain in Guanzhong, and the population is large, so that Guanzhong has to import a large amount of grain from outside every year. Once there is an accident, Chang'an will have to run out of food, which is a great hidden danger for Datang.

Even when the Sui Dynasty was opened, there were several times when the Guanzhong disaster was not harvested, resulting in the emperor having to take the army and hundreds of officials to the eastern capital to eat.

If Zhang Chao's method can be popularized and turned barren ditches and barren slopes into grain-producing fields, it will be able to increase a lot of grain. Guanzhong produces a bucket of grain, which is a stone of grain transported from the southeast.

"Can Zhang San's method be promoted?" Li Shimin asked.

"I've learned a little, if it's promoted by the imperial court, it's still more difficult. Because of the investment in the early stage, and Zhang San's development of this bathing ditch did not rely entirely on growing grain to return to the cost. He seems to have done a very complicated set: digging soil and damming on the slopes, leveling the slopes to open terraces, taking mud from the ditches to fertilize the fields, and then damming and storing water, planting lotus roots and fish in the rivers, and planting fruit trees on the slopes to raise chickens and pigs. Plant mulberry trees to raise silkworms, raise silkworms and weave silk. This silkworm sand feeds fish, and the fish can be sold and ducks raised. Chicken manure and duck manure can raise fish, and in winter, Qinghe mud can fertilize fields and trees.... Fruit trees can be harvested and sold for money, rice fields can be harvested and sold for money, vegetable fields can be collected and sold for money, chickens, ducks, fish and pigs can also be sold for money. ”

"And the Zhang family has its own delicatessen, etc., and their own chickens, ducks, fish, pigs, etc., can be processed and sold by themselves. Even a water-powered mill and mill were built next to the dam, and even the water was not spared. Ordinary people are even dizzy when they hear this, let alone get him together. ”

"Do you think Zhang San's cultivation and breeding method of reclamation can be successful?" Li Shimin asked.

This set is indeed a bit complicated and complicated, but he thinks it should be useful, otherwise, a smart person like Zhang Chao would not be able to do things that are not needed.

"I think it can be done, Zhang Chao is rich, so it is not a problem to buy a ditch slope in the early stage, ask someone to repair a dam, open a dike and plant trees, and he also has money to buy chickens, ducks, pigs, and fish fry, and he has the money to invest. His family has a cooked food shop and a restaurant in Chang'an, so the vegetables grown are good, the chickens, ducks and geese, pigs and sheep are not worried, and the rice grown is not worried, and the rice in Chang'an is very expensive. ”

"In this way, Zhang Chao really won't lose money, and he is still very profitable."

Li Shimin also figured out Zhang Chao's routine a little, but it was a little difficult for others to learn from him. First, the initial investment is too large, and it takes a lot of manpower and material resources to build dams and open terraces, which is not to say that you can plant a piece of land reclamation, but it has to be an overall plan.

In general, the really rich people would rather buy the existing land more directly and simply, and are not willing to work so hard to open up the wasteland. Or they have the money to go straight to business and lend for a higher yield.

However, Li Shimin thinks that Zhang Chao's way is very good, in the short term, the investment is larger, but in the long run, in four or five years, or even ten years at most, Zhang Chao will be able to complete the development of nearly 20,000 acres of ditch slopes, and how much will this land be worth at that time? It's a cornucopia that keeps coming out every year.

"This Zhang San, his brain is always different from others. He was not in a hurry to lend money to sell, but invested so much in reclaiming barren ditches and developing planting and breeding. ”

Fang Xuanling interrupted Li Shimin.

"In fact, Zhang San is also engaged in lending, and it is very innovative. Not long ago, two new stores were opened in the capital, one is Zhang Ji Pawnshop, and the other is Zhang Ji Money Village, which is in the West Market. In a short period of time, it has been quite popular, and even caused many people to imitate and open a pawnshop bank, and now there are dozens of pawnshops in the east and west cities of Chang'an City. ”

"But only Zhang Ji has the best business and the best reputation."

"Money bank, pawnshop?" Li Shimin's face was not very good, and he just said that Zhang Chao was rich and didn't think about lending, but there were two here.

Fang Xuanling talked about the business model of pawnshops and money banks.

Li Shimin had a light in his eyes, and he immediately understood the business model of Qianzhuang, the pawnshop was not new, and it was not just a quality warehouse in the temple. But this money bank, although some shops in the past also engaged in this business, they are not as professional as Zhang Ji.

There is still interest on the money.

But this interest is only one or two percent of the lending interest.

Zhang Chao took one cent and two cents of interest to attract the spare money in the hands of the people to save it, and then he changed hands and lent the money out at an interest rate of seven or eight cents.

"Zhang Ji Qian Zhuang still has a passbook and a banker's ticket? The banker tickets are already bearer, and there is a fixed amount to redeem the ticket at sight? ”

Li Shimin sensitively found that there was a problem here.

Isn't this banker a paper copper coin? Has it become a circulating currency?

If Zhang Ji opened a few more branches, and even Luoyang, Taiyuan and other big cities opened such a branch, wouldn't it be possible to go around the world without money with a ticket, and it could be redeemed at any time?

The more Li Shimin thought about it, the more he felt that this money bank was powerful, and he felt that this bank ticket was powerful.

The Tang Dynasty was founded for several years, and it also unified the world and obtained a lot of Sui Dynasty treasury, but the world was turbulent for many years, and the coins were chaotic. Last year, Datang deliberately minted a new copper coin, Kaiyuan Tongbao, and stopped the circulation of other copper coins such as old five-baht coins.

But this also has a problem, that is, the number of Kaiyuan Tongbao is a little small, even if the coinage furnace continues to mint money, it is still difficult to meet the demand. Therefore, silk had to be used as currency, and even stipulated that transactions of more than ten yuan must be made of silk, not copper money.

But at the same time, there were many people who stored the copper coins and did not use them, and some people melted the copper coins into bronze casters to make a profit, resulting in a more and more serious shortage of money in the imperial court.

In the past, there was still a lot of old money in circulation, which was not so obvious, but now the imperial court exchanged and collected the old money and melted the new money, on the one hand, those lawless people melted the new money into bronze, and many people hid the new copper coins in histern.

Old money continues to appear on the market, and the imperial court continues to collect and mint it.

The old money has been greatly reduced, but the new money is also constantly reducing the circulation, and the imperial court is desperately casting copper coins, but the circulation of Kaiyuan Tongbao is getting less and less, resulting in today's prices becoming very strange.

In the early two years, it was expensive and cheap, but now it is the opposite, and it has become more and more cheap, but money has become more expensive.

On the surface, all kinds of prices have fallen, which is a good thing, but in fact, Li Shimin also knows some inside information, and the people have no money to use. It was better to trade in large quantities, with silk and sometimes gold and silver. But in ordinary small transactions, the people don't have copper coins in their hands, and they can't cut the silk zero.

This has caused prices to continue to fall, but in fact, Datang is far from being able to meet the situation of material abundance.

The price of goods has fallen, not because there are many products, but because everyone suddenly has no copper money in their hands and cannot buy it. In the market, bartering has even begun to reappear, although it has not yet reached a very serious point, but the signs are very bad.

Therefore, there are ministers in the imperial court who have asked for the time being not to ban the circulation of old money, not to melt old money, etc., and some people have proposed to mint big money, so that one should be five as ten, and some people even propose to mint money, silver and iron money.

"Xuan Ling, you said that if the imperial court opens a money bank and then issues a banker ticket to make coins, do you think it is feasible?"

Fang Xuanling's face couldn't help but change greatly, "Your Highness, you must not." ”

"Why not? Since Zhang San's Zhang Ji Qian Zhuang can issue bank tickets, and there is no chaos, it is so prosperous, so why can't the imperial court? ”

Fang Xuanling sighed, "Zhang Ji Qianzhuang, that's privately owned. He issues banker tickets, which all have capital, even if it is a little more, it is also within the scope of control. Even if Zhang Ji is over-issued and has many hairs, once there is a mess, there will be a court that will immediately clean up the mess and seize some of the Zhang family's properties at that time, which can also fill this hole. But Your Highness, have you thought about it, if the imperial court also runs money banks, also issues bankers, and issues this kind of paper line, do you think the people of the world will believe it? The most important thing is how to ensure that the imperial court will not be overdiscriminate? And once there is a problem of credit exchange, who will fill the hole for the people? ”

Li Shimin's face darkened.

What kind of reason is this, could it be that he opened the money village opened by Zhang San, and I Li Er couldn't open it? If he opens it, it's okay, but if the court opens it, it must not work?

But calm down and think about it, Fang Xuanling's words also make sense. Zhang San opened the money bank to issue bank tickets, and the court was staring at it behind, and he didn't dare to issue bank tickets. But if the imperial court comes to open a bank, it is difficult to guarantee that it will not be printed and distributed indiscriminately.

Hey, the truth is so, but it's uncomfortable to think about it, why did he Zhang San do everything right.

"Xuan Ling, you said that I also opened a money bank in Luoyang, what do you think?"

Fang Xuanling was speechless, do you lack that money? Is it missing, is it missing, is it missing? (To be continued.) )