Peace between Song and Kim did not last long.

In April of the first year of Xiangxing, Han Shizhong, the envoy of Yanshanfu Road, relied on artillery to conquer Run and moved Erzhou from Yuguan to the north, but did not continue to attack Laizhou, but expanded on the basis of Qianzhou, and built a stretching city wall from Qunshan Mountain to the sea in the west.

The purpose is clear.

The main force of the Jinzhou Jin Army, which had originally led the southward direction, also stopped advancing in Laizhou.

Since Yang Feng just wants a safer line of defense, then Xian doesn't mind giving it to him, after all, Xian Ye really has no confidence to fight at this time, their real enemy is Yelu Dashi and not Yang Feng, at this time, Yelu Dashi has officially signed a treaty with Yang Feng in Bianliang, and the two sides have determined the brotherhood and the belonging of the sixteen states of Youyun. In exchange, he not only bought a large number of supplies from Yang Feng, but also took away 30,000 Khitan soldiers who had surrendered before, plus he originally had been able to gather 100,000 troops, so the vast majority of the troops that Jin Guo could put together were on the Western Front, and the strength that could be used to resist Han Shizhong was only 30,000.

And Han Shizhong has 150,000 there.

Gao Shidan, Yao Youzhong, Xie Yuan and Wang Yuan four armies, in addition to the two armies reorganized from the original Zongze Department, one with Zong Ze's son Zong Ying as the commander, and the other as the commander from Yang Yizhong, who was airborne from the General Staff.

These armies have been reorganized according to the establishment formulated by Yang Feng, all of them are five infantry brigades plus one cavalry brigade, and there is also a part-time transport and engineer brigade, each army has a total strength of 25,000 troops, although Han Shizhong only has four armies on the battlefield, but it is also a full 100,000 horses, and the 30,000 people under his command are still provinces. If they defend, they can make do, but there is no play at all in the field battle, so far the Jin army has not found a means to open the formation of the Song army, and it is difficult for them to win against the previous army in the field war, and he basically does not dare to attack if the two armies are above, and they have to avoid it if there are more than three armies.

In this way, the construction of Yangfeng version of Shanhaiguan began.

And at this moment, the national teacher began to pretend again!

Bianliang.

"National teacher, you also get this copper smell?"

Li Qingzhao said with a smile.

At this time, they were standing in front of a small four-story building of blue bricks and cement that had just been built, and Yang Feng was standing in front of the gate with a smile, and the gate behind him was inlaid with four large golden characters......

"People's Bank"

A private bank run by the National Teacher.

However, it has the only right to issue banknotes in the Great Song Dynasty authorized by the emperor.

It is not the credit currency of the national teacher designed by Yang Feng.

It's the gold standard of the real card.

To put it simply, everyone can come to him to save money, and then he sends a check, how much interest is there every year, and then take a check to withdraw money, of course, at this time, the Song Dynasty copper money is currency, and everyone comes to save copper money, but there is another choice for the national teacher, that is, the golden ticket. You can not have a check but a golden ticket, this golden ticket is similar to a term bond, the interest is high, twenty percent of the five-year period, now take the copper money for ten taels of gold, five years later you can exchange for twelve taels of gold, you can choose to exchange these gold, you can also choose to exchange for twelve taels of gold, and then in five years you can exchange for 14.4 taels of gold, then you can continue to exchange for gold tickets, in another five years you can exchange 17.28 taels of gold.

Twenty years to turn over!

The golden ticket does not recognize the person, even if you are robbed after you take it, and then the robber takes it and we will exchange it for the robber.

This must be stated!

Of course, you can also deposit gold directly.

Similarly, silver also has a corresponding silver ticket.

"I don't know the price of firewood and rice, hundreds of thousands of troops have to be fed, millions of officials have to be fed, there are still countless refugees waiting for relief in those war-torn places in Hedong, Hebei, even if there are still a bunch of lonely old people and helpless children in the nursing homes of Bianliang City, and even schools in various places have to be paid by the imperial court, can the old man not think of a way?"

Yang Feng sighed melancholy.

Of course, he is simply crying poor.

Although the finances of the Great Song Dynasty are not very rich, they are far from being stretched.

First, he laid off employees ferociously.

The entire Xiang army was abolished, the three yas were all gone, the Privy Council was gone, the three princes and three less were not left, those Fumuzhou Pastoral Thorn Shi were all withdrawn, the Taishi of the National Teacher and the Yanzhou Thorn History took the lead in the removal, and none of those ancestral officials remained, saying that this thing is completely a parasite, and it was originally designed to be a parasite, Yang Fengcai doesn't care about the life or death of those officials after being removed, it is too exaggerated for the country to support them if they don't work!

In short, in a murderous way, he reduced the number of people who ate the finances of the Great Song Dynasty by one-third.

The second is the harvest of cutting down mountains and breaking temples.

All the property of those bald heads was looted by him, and there is still a large army in charge of this matter, and the love for bald heads in various places has been extended to Jiangnan, and the money and money such as auction shops and casinos have all entered the household department, and it is said that the Song Dynasty has never been as rich as this year.

Third, he sells something himself.

For example, making a clock glass and making a personal gemstone, this income is used to subsidize his own teaching system.

The fourth is to copy foreign friends.

Many of the latter also participated in the last coup d'état, of course, these people have to take the opportunity to catch them all, and the vast majority of these guys are moneylenders, I have to say that the tentacles of the Jews are really long, even the Great Song Dynasty is the same as Europe in this era, full of Jewish usury merchants, and copying their homes is undoubtedly a very happy thing for the national teacher.

So he's not very short of money.

However, it cannot be said that it is very rich.

Military spending is not the largest, after various reforms, the current standing army of the Great Song Dynasty is only 600,000, a total of 16 new armies after reorganization, and the others are in the process of reorganization, including the southern garrison on the border of Dali and Tubo and the southern part of Annan, in addition to a navy under construction using new warships, mainly to the mouth of the Yangtze River as the boundary to divide the north and south coastal envoys, the current responsibility is mainly to prevent piracy, including Goryeo and the Wa Kingdom, and there are also Champa and Taiwan in the south.

But this army can still be raised.

As for the reserves, they were not within the scope of the imperial court's finances, they were the local government's, and they were supported by collecting taxes from the upper and third class households.

But Yang Feng's disaster relief costs were huge.

Hebei, Hedong, and the just-recovered Yanshanfu Road, countless war-torn victims all have to rely on the imperial court relief, as well as the compulsory education that has begun in various places, and his rent reduction in Guantian has also seriously affected the financial revenue, in short, his current finances are not good, not very rich, but not unsustainable, as for the bank now, first, he is eager to hoard copper to make cannons, second, this kind of thing is done as soon as possible, and third, there is a little special purpose......

"If Yi'an Jushi doesn't save money, please get out of the way, the old man still has to pick up customers!"

Yang Feng said dissatisfiedly.

"It's okay to save money, although the slave family is not very rich, but there is still a bit of dowry, but the slave family is very curious, how can the national teacher increase the slave family's gold by two percent after five years? And as far as the slave family knows, the national teacher is also considered to be a two-sleeved breeze, you shouldn't have a tael of gold, right? ”

Li Qingzhao said with a smile.

Several beautiful women behind her clamored together.

In fact, the national teacher is still very popular among women, firstly, his crane-haired and childish face is very fairy-like like like the old fairy of the stars, secondly, he is approachable and has no shelf, and thirdly, he has made a bunch of crazy things for women, just a mirror makes women love the national teacher, not to mention that the gems he makes in batches are cheap, and when the national teacher makes cosmetics and new dyes come out, it really makes them crazy.

It's not just these women, there are already crowds in front of the bank at this time, and everyone is looking at the national teacher waiting for him to answer.

Anyway, everyone loves gold!

But in this era, the amount of gold in the Great Song Dynasty was not much.

Especially after being robbed by the Jin country last time, it was even less, at this time, one or two gold can even be exchanged for 10,000 yuan, and one or two silver can also be exchanged for 1,500 yuan, and when the Jin army was besieged before, it even rose to one or two gold for 20,000 yuan, and one or two silver for 1,700 yuan, and it will definitely not fall in the future, because the price of luxury goods in peacetime will definitely continue to rise, and at this time the number one luxury is gold. If you exchange copper coins for gold tickets at this time, you will not only be able to get 20% gold interest after five years, but also get the benefits of rising gold prices, which can be said to be a good thing to kill two birds with one stone, but the core of this transaction is whether the national teacher can take out gold at that time, and what if he can't take out gold?

"Gold?"

Yang Feng looked at her charming face and said with a smile: "Yi'an Jushi, have you ever seen the golden finger?" ”

Goldfinger?

It's not just Li Qingzhao, everyone is stupid.

At this moment, a new four-wheeled carriage slowly drove and stopped in front of the national teacher in the eyes of everyone, and the carriage was filled with a pile of stones of different sizes and shapes, which looked no different from the stones in the pile of stones outside.

"Yi'an Jushi, how much are you going to change?"

Yang Feng stood beside the carriage and said to Li Qingzhao.

At the same time, his right hand was placed on those stones, and then moved slowly, as his arm moved, those rocks gradually turned into scattered sand like wind erosion, and a little bit of golden light rose in the dust, and countless fine gold sand was gathered into a strip of gold and was pulled by his palm to move a little bit. And more gold sand was merged in the movement, making the gold more and more clear, and even soon turned into gold water like molten liquid, following Yang Feng's palm to move to the end of the stone, and then as the palm of the hand was raised, the void floated below and turned into a small gold figure, and then Yang Feng's palm turned over to hold the little gold figure in his palm.

"Yi'an Jushi, please smile!"

He said with a smile.

Li Qingzhao looked at this little golden figure like a fool.

All the ladies around her looked at the little golden figure as if they were stupid.

And the thousands of onlookers in front of the gate of the same bank also looked at this little golden figure stupidly, it was held in Yang Feng's palm, shining in the sun, the golden light dazzled everyone, and the four golden characters of the People's Bank on the other side of it also dazzled everyone......

That's enough!

Credibility? The national teacher is credibility? Gold? The national teacher can turn stones into gold, and gold is no different from stones to him, so he is still worried that he won't be able to take out gold when the time comes? It's a joke, he wants gold to raise his hand is a mountain of gold, in this case, everyone has nothing to worry about, it can increase by two percent in five years, and it can be turned over in twenty years at most, and the cellar at home is piled with rusty copper coins to exchange for gold tickets! As long as the national teacher does not fall, the People's Bank of China will not fall, so what can be more heirloom than this thing? If you have to worry about going out of business when you open a shop, you have to worry about not being able to recover your loan, and even if the land is not as good as this insurance, who can guarantee that there will be no problems with the land in 20 years?

But in the past 20 years, the national teacher has ......

Well, it's actually a loyalty test.

Those who come to the bank to exchange gold or silver tickets must be loyal to the national teacher, because those who wish for the national teacher to die are waiting for him to announce the Juntian system and then have a decisive battle!

It is impossible for these people to buy silver and gold tickets.

Only those who have full confidence in the status of the national teacher and are fully prepared to fight side by side with him will buy it, this is an investment, but also a kind of vote, buying gold and silver tickets is to tie all their lives to the national teacher, because the bank will definitely be finished after the collapse of the national teacher, and their wealth will be finished at that time, and the national teacher will be strong and the bank will be strong for five years They will be able to get the gold they want, nothing is simpler and clearer than this.

In the afternoon of the same day, dozens of wealthy families in Beijing, including Liu Yanqing, asked their servants to drive horse-drawn carriages full of copper coins to the bank.

If you don't save copper coins, you exchange them for gold tickets.

Even ordinary people are holding strings of copper coins to exchange, because the golden ticket is exchanged in one or two, it is difficult for ordinary people to have 10,000 yuan, so the second-level silver ticket is their favorite.

Of course, there are also pure copper coins.

After all, 1,500 yuan is not a small amount for many families, the vast majority of the people in Bianliang City are actually moonlight clans, and those who can accumulate more than 1,000 yuan are already out of the poor class.

In this case, how good is it to deposit in the bank?

Anyway, this is opened by the national teacher, how can the national teacher deceive himself.

In addition, there are soldiers of the army.

Many of these soldiers are actually unemployed vagrants, and the Great Song Dynasty has the habit of stuffing unemployed vagrants into the army to prevent them from rebelling, because of Yang Feng's iron-fisted methods, the army's deduction of military salaries has been greatly alleviated, at least the vast majority of soldiers in the armies who have completed the reorganization can receive sufficient military salaries, needless to say, those who have families, and those who do not need a safe place to save money, and banks have undoubtedly become their first choice.

In this way, as the miracle of the national teacher turning stones into gold spread through newspapers and word of mouth, the finance of the Great Song Dynasty officially entered the banking era.

Then the era of paper money also began.

Very simple.

Among the financial means of payment of the imperial court appeared the option of gold and silver tickets, and of course, checks.

For example, if an official is paid a salary, if he agrees, he can pay with a silver ticket or a gold ticket, no official's family is in urgent need of copper money to buy rice, in this case, if they are loyal to the national teacher, they prefer to ask for gold tickets and silver tickets, after all, this thing will appreciate, and even pay the army can also be directly used for this, those soldiers can also be used for market transactions, because the common people will prefer this, and it can also be used for government procurement, As long as you are a businessman who has confidence in the national teacher, you will also want this.

In this way, banknotes were circulated.

And Yang Feng's gold and silver tickets were originally designed according to the standards of circulation.

At the same time as the opening of the bank, he established the exchange standard of gold, silver and copper in the name of the imperial court, one tael of gold and 10,000 yuan, one tael of silver and fifteen hundred yuan, the gold-silver ratio is a little more than one to seven, it should be said that this ratio is not very realistic, Europeans are used to one to ten, but China has less silver mines, so it is slightly more than one to six, but it is not certain. For example, gold soared when the Jin army besieged the city, once close to one to fifteen in the late nineteenth century, because gold is easier to run away, gold and silver are not currency, although the use of silver payment is not rare, but in essence these two things are luxuries, the imperial court prohibits copper coins from leaving the country and does not prohibit gold and silver, only when the emperor rewards gold coins or silver ingots are minted separately, and the silver coins given to the Liao State are because the Liao State wants this, and Yang Feng this time is to formally stipulate the ratio in the form of law.

But he doesn't care what the people do.

He had to have a quorum ratio, otherwise the bank wouldn't be able to function, and he didn't have any gold or silver here......

Well, he really didn't.

The bank's vault and silver vault are still empty, how can there be any gold and silver, even the cart of stones are made by himself, mixed with gold, otherwise what gold mine can have such a high gold content, he is playing a game of empty mountain white wolf, but it can't be said that the real empty glove white wolf.

Gold and silver will definitely be available.

At this time, some people have begun to exchange gold and silver directly for gold and silver tickets.

In addition, the gold and silver of the court shall belong to him.

The Great Song Dynasty still has a large number of government-run gold and silver supervisors throughout the country, and the annual silver output is hundreds of thousands of taels, which have been sent to the Liao State in the past, and now all belong to him, and these gold and silver will directly enter the bank's gold and silver treasury and then be used as the imperial court to exchange gold and silver bills as paper money, but in fact, the gold and silver bills must be falsely opened, and what is Yang Feng doing in the bank? His main purpose was to solve the financial problem with this, and in addition, overseas trade, and the trade with Western countries such as Dashi were gold and silver, where gold coins were legal tender, and Yang Feng could exchange a large amount of gold and silver from these places for those high-end luxury goods such as clocks and mirrors.

His shipping company had been formed, and he was building large merchant ships to sail westward, and directly onto bird ships, which were known for their speed.

These merchant ships would bring him gold and silver.

What's more......

He's really good at turning stones into gold!

Find a gold mine or silver mine, he went in and walked to get the gold and silver out, he had a full five years, it was enough to go and grab Sado Island, it was really not enough, it was a big deal, he personally went to a gold and silver mine.

But it can't get to that point.

As long as he defeats the counterattack of the southern gentry group, then he can also solve the shortage of gold and silver by copying the house happily, and then there is the destruction of the Jin Kingdom to go to Huining to copy the Yan Wu beggar buyers, destroy the Western Xia to copy the Li family, destroy the Dali family to copy the Duan family, and destroy Annan to copy the Li family, there are so many families to copy, why do you need to worry about not enough gold and silver!