Chapter III: Competition Forced Reform
In fact, Jews have been entering the continent in large numbers since the Tang Dynasty.
By the Song Dynasty, like the Hui people, an upsurge of immigration was formed.
They came by sea and land, traveled across the oceans, and went through great hardships, bringing with them goods from the West and goods from the East.
Just as the Hui people gathered in Jiantong City, they gathered in Kaifeng City------ when the Great Song Dynasty went south, most of them followed south to Lin'an City.
For example, in the Tang Dynasty, they were given the surname Li by the emperor, and in the Great Song Dynasty, they were gradually reused by the Great Song people.
When Sichuan first issued Jiaozi, it was run by Jews.
At that time, Jewish merchants also tried to distribute jiaozi throughout the country but were not approved by the Great Song government, and at the same time, the household department of the Great Song government also hired a large number of Jewish employees to do accounting work.
It is rumored that Zhao Kuangyin, the Taizu of the Song Dynasty, gave the Jews four big characters of happiness, hoping that they could live and work in peace and contentment in China.
In fact, this is a serious ignorance of historical facts, just the arrogance of the Great Song people.
Around 1000 B.C.E., King David captured Jerusalem and established the kingdom of Israel in most of Canaan, including Transjordan.
Later, the kingdom of Israel was divided into two parts, Judah to the south and Israel to the north.
In 722 B.C., the Assyrians conquered Israel, and in 586 B.C., the Babylonians captured Judah, and they burned Solomon's Temple in Jerusalem, expelling a large number of Jews, and Israel was completely destroyed. Since then, Jerusalem has changed hands many times, and has been destroyed and rebuilt countless times. It was not until the first century C.E. that the Roman legions swept Jerusalem and drove all the Jews out of Jerusalem, and the Jews began a thousand-year history of exile.
Therefore, they called Israel by name very early, but the people of the Great Song Dynasty called them a blessing based on the pronunciation of the three words of Israel.
There were Jews in high positions in the money seekers.
Governor Gu Jianshan is the same as his master's family, in fact, people in this era are the same, I don't care what religion you believe in, what you eat, as long as you abide by my rules and have the ability to work, I will definitely appoint you!
Of course, Governor Gu Jianshan didn't know all kinds of hatred and conflicts in later generations, but he believed the words of Zhang Daozhu:
"Don't mention any nationality and religion issues, the biggest problem is whether you will be punished if you don't comply with the rules and break the law!"
Governor Gu Jianshan and they all think that as long as you are reasonable, I am more polite than you; As long as you want to grab it, my fists are faster and harder than yours!
But the governor of Gu Jianshan didn't quite understand what the Hui people and Jews were like, and he didn't understand that the Pu family of the owner of Zhang Island and Wang Defa didn't like to see the Pu family of Thorn Tong------ they were big families there.
There are many distant relatives of the Zhao royal family living in Thornton City, and they have been preparing to make a move in this era when everyone wants to make money.
They once appointed people from the Pu family to want to cooperate with Zhang Island Master, but they were always politely rejected by Zhang Island Master.
Governor Gu Jianshan, these domestic boys, naturally alienated the Pu family.
At the beginning, the emergence of Liuqiu Money Bank impacted the private credit business of the Great Song Dynasty, and they made countless large, medium and small quality banks bankrupt and go bankrupt------ but after a long time, the credit business of Liuqiu Money Bank was mainly biased towards large and medium-sized credit, and there was no time to meet the business of hundreds or thousands of yuan.
At this time, the businessmen among the people saw hope again, and they could completely imitate the example of the money bank to run some small money banks, and the small credit business accumulated a lot, which was also a large amount of income.
For this reason, Zhang Daozhu issued the "Law of Seeking Money" in a timely manner------ and asked President Gu Jianshan to discuss it with someone before it was introduced, after all, he came up with the law of the later generations, and some places may not be suitable, although he has taken into account the actual situation.
Governor Gu Jianshan was puzzled by the fact that the reserve fund of the money bank should be retained by 30%, and he thought it was too strict.
Zhang said: "Have you ever seen a run? ”
Governor Gu Jianshan said that he didn't understand------ Zhang Island Master smiled, the force behind the Liuqiu Money Bank is the entire Liuqiu Island, and the people who save money here are of course confident, but if those small private money banks are in a mess, it will mess up the whole society.
Zhang Island Master briefly explained the meeting and said: "In the future, you will strengthen the inspection and supervision of them, and let them participate freely, but not let them mess around." ”
Governor Gu Jianshan pouted, damn, I have added another job.
For a while, he didn't have time to accompany Commissioner Guo Ziren to talk about it, and there were still many businessmen who applied to Liuqiu Money Bank, and he had to carefully review it before issuing the license.
Those small money merchants who have applied for licenses have set up their own money shops on the streets near the headquarters of the Liuqiu Money Bank, and hang the license issued by the Liuqiu Money Bank in the most conspicuous place.
At present, these people who started money shops were mainly merchants from Liuqiu Island, merchants from the Great Song Dynasty, Jewish merchants, and Hui merchants, and they soon built money shops of various names, and the hanging signboards soon made this street a street full of money shops.
The competition mechanism soon worked------ and a Jewish merchant set up a money bank that openly advertised that there was no custodian fee for keeping money in his bank!
Their credit guarantee is the money bank license issued by the money bank!
After hearing the news, Governor Gu Jianshan immediately felt bad, he kind of understood the reason why the Jews did not recruit Hui people------ this is clearly disrupting the financial market!
However, he searched through the "Law on the Circulation of Money" and did not find a provision that did not allow the non-charging of fees for the storage of money deposits.
He calculated that if he didn't charge for the storage of the money and had to abide by a certain loan interest rate, he could still earn some, but it was far less than before------ cost had risen a lot.
Where in the world is there a reason for you to save money and ensure that your money is absolutely safe, and you don't pay the storage fee?!
Zhang did not accept his proposal to amend the "Law on Seeking Money", in fact------ from the very beginning, when he started the "Seeking Money", he thought that this article was really extremely unreasonable, and it was no different from robbery.
It's very unreasonable not to pay interest, and you can still be fair and honest and confidently collect other people's custody fees!
However, this is a customary habit in this era, and the people still accept it, so he will follow the habits of the times while stealing fun.
Now, shrewd Jewish businessmen have fired the first shot of financial competition!
Zhang said: "We have earned too many dividends from the beginning to the present, you should also cancel it according to the example, we can't make us look too ugly------
"My island owner, we don't need it, even if the small money bank doesn't charge storage fees, we still have a lot of big accounts------ no one in the world can compare to our credit!"
"Hehe, you, take a long-term view------ real competition will force reform, we have great ability to follow the trend of development, not against the current conservative.
Our social responsibility is now greater than our profit responsibility! ”
Governor Gu Jianshan had to listen to ------ a tide of abolishing the storage fee for money and banknotes began, and later, no one expected it to have such a big impact.