"This is Tianzhang Pavilion, the words come out of your mouth and into my ears, and no third person will know. Pen | fun | pavilion www. ｂｉｑｕｇｅ。 info Xu Ping, tell me the truth, what are the consequences of doing what you said during the day? In the future, will it be that the world's financial power will be fully vested in the three divisions, and every penny and box will be used through the Zuo Treasury? It's not a small matter, and you can't hide anything! ”

Seeing Zhao Zhen's eyes glaring, looking at himself without blinking, his expression was nervous, Xu Ping was a little helpless. After coming out of the Chongzheng Hall and returning to the Sansi Yamen, Xu Ping was summoned into the palace by Xiaohuangmen before he had time to drink saliva. Zhao Zhen was really anxious, but fortunately, he believed that Xu Ping would never betray him, but he just thought that he was hiding something from himself during the day to block other people's mouths.

The conscience of heaven and earth, Xu Pingzhen did not mean to take away Zhao Zhen's financial power, and deliberately left a bank. Internal and external checks and balances are the way to govern the country, and the emperor has been passed down from generation to generation, and it is inevitable that there will always be faint monarchs, and absolute power is not a good thing for the country. In the same way, all the power is received from the foreign court, and who guarantees that there will be no powerful ministers? The Japanese emperor next door is the mascot, but the Sekihaku shogunate is nothing more than an imperial power with a different name. One can only say what step society has reached.

Holding the Chao Wat in his hand, Xu Ping saluted Zhao Zhen: "Since the roll call of the imperial examination, the Jinshi and the first, the minister has no selfishness towards His Majesty——"

Zhao Zhen waved his hand and said, "I know, I can't trust you, how can I let you be the third envoy at such an age and be in charge of the world's financial power?" But what you said during the day was cut off from the financial resources of the inner treasury, which is not in line with the system of the ancestors! ”

Xu Ping said: "If Your Majesty can trust it, the minister will listen carefully, if you can't believe it-"

"I can trust you, so I summoned Tianzhang Pavilion, the pros and cons, our monarchs and ministers analyze it clearly, and there must be no concealment! As long as you tell me the truth in your heart, you will never be blamed! ”

"Your Majesty said so, and the minister naturally did his best! However, whether it is said during the day or what has been said before, the minister has never hidden anything from His Majesty! "Seeing that Zhao Zhen's face is not good, these words of loyalty Xu Ping will stop immediately." First of all, I ask Your Majesty to relax and according to what was said during the day, the financial resources of the Inner Treasury will never be reduced! ”

Zhao Zhen frowned, obviously not believing: "Without the new money minted every year, without the summer taxes of dozens of states, will it be less?" Where does the money come from? The income of the inner treasury depends on these two items! ”

"You have opened a bank, Your Majesty! Have you calculated the income from opening a bank? ”

Xu Ping really wanted to shout, your family opened a bank, are you still worried about having no money? The banks are all open, and there should be a pride that there is money piled up on the ground and is too lazy to pick it up, what are those small money?

"The bank just invests money into it, and the interest is only a few dollars a year? Although it is said that private lending has usury and earns a number of profits a year or even doubles, how can the official government open a bank with such high interest? Isn't it the exploitation of the people? ”

"Your Majesty, the money from the bank is not lent to the people, but only to the company, and it does not involve the exploitation of the people."

Zhao Zhen looked at Xu Ping: "Oh, yes, don't lend to the people." Then it's even more troublesome, who to lend to? ”

Xu Ping couldn't help but smile: "Your Majesty is worried that you won't be able to get a loan?" Okay, the minister will guarantee you, and all the loans will be exhausted within three months, okay? Those new field affairs under the three divisions, all the internal storage warehouses are not enough for them! ”

Zhao Zhen was stunned for a moment: "Isn't it only for the company?" How do you lend money to the field service? ”

"The company can not only be opened by private individuals, but also by the three divisions. Next, the field affairs of the three divisions, all involving industry and commerce, should be changed into a company, that is, the three divisions of the shop, and the same company. Otherwise, how can the three divisions manage so many field affairs? After being changed to a company, it operates like a private sector and collects the same taxes, but the owner is only a third division. ”

Zhao Zhen still didn't understand: "What's the use of changing it?" Isn't it the same as the original field work? ”

"It's different, it's different. Although there are officials appointed to promote the current field affairs and people are hired outside to do things, how much money is made and whether it is profitable or not has little to do with these people. After changing the company, the accounts will be the same as the people, and the officials who are promoted will make more money and use a lot of money, and they will be held accountable unless they have a good reason. In this way, the money earned is not comparable to before, and the people who work in it know how to be motivated. ”

In the words of Xu Ping's previous life, the company is an independent economic entity, operating independently, accounting independently, the official only sends people to manage the accounts, and other miscellaneous things have to be done by hiring people from the private sector. This is the way of a joint-stock company, where professional personnel are responsible for operation, and shareholders grasp the general direction, control the accounts, and only collect profits. Otherwise, with the current state of almost nothing to do with the three divisions, Xu Ping will not be able to control the doppelganger technique. In the past, this was not done because the economic system had not yet been established, there were no conditions, and now the financial system is in place, of course, it is managed according to the laws of the market.

Zhao Zhen thought for a while and said to Xu Ping: "Will you really make money?" Why do I always feel a little panicked? ”

"If you can make money, take the cotton cloth industry on Jingxi Road as an example, not to mention that the cloth woven by the field is sold to the shop, but to say the garment company run by the people in the city. There is a newly lost husband outside Luoyang City, Sister Tang, his family bought a restaurant in the county, there was no business at that time, and the family was so worried that they were dying. Sister Tang sold the family's house and set up a new garment company, and when she set up the company, the family was afraid of the left and right, and she was afraid that her daughter would also lose her future dowry. It's only been a year, how? Sister Tang relied on that garment company and became one of the wealthy families in Xijing City. His parents sold the restaurant, and now they just sit at home, earning countless amounts of money every day. Your Majesty, what we are doing now is like picking up money on the road! ”

Zhao Zhen shook his head: "A small family, I have never seen big money, and my eyelids are shallow. With an income of thirty or fifty yuan a year, it is a huge wealth in their eyes, and they are naturally happy. We are talking about a major national event, how can we use this as an example! ”

Xu Ping smiled: "Thirty and fifty? Your Majesty has underestimated the people in Xijing City! The company's accounts are all managed by special personnel, and there are backups in the government. After waiting for me for two days, I asked people to bring the company accounts run by the people in Xijing City for His Majesty to see. Fubi prince, such a person doesn't know how much a year comes! ”

Zhao Zhen looked at Xu Ping and saw that he looked serious, not like he was talking big, so he asked carefully: "That Sister Tang, how much money does you make in a year?" If I can pass a hundred times, I will believe you! ”

"A hundred? Sister Tang's company, if I remember correctly, should have sold more than 5,000 pieces of single clothes and more than 3,000 pieces of cotton clothes last year. Does Your Majesty know? A new summer coat in Kaifeng City is worth about 500 Wen, the autumn coat will be nearly consistent, and the cotton coat will be two runs upward. Cotton cloth is much stronger than linen, cotton clothes are cold-resistant, and the price is higher. The garment company, including the crown hat and shoes, sold more than 16,000 pieces. All the cost of these ready-to-wear garments plus the wages of the hired people are all cut down, and the profit is three to fifty percent. That company is a combination of two companies, and no matter how many governments each have, it always adds up to more than 5,000 yuan. There are two or three thousand yuan in the accounts a year, not to mention the Xijing City, even how many officials in the capital have reached this number? ”

Listening to Xu Ping's words, Zhao Zhen couldn't help but be stunned, and quickly calculated in his mind, how many things could be done by five thousand guan. This is really not a small amount of money, and it is a heavy reward to reward the princes and ministers. At this time, the privy envoy with the highest amount of money led the envoy, and the money in hand a year was only 4,800 yuan, the prime minister was 3,600 yuan, and the governor's and privy deputy envoys were 2,400 yuan. The three envoys were originally regarded as the same as the rulers, and it was also 2,400 yuan, and Xu Ping's power was not a formal responsibility, and he only had 600 yuan in his hands, which was not enough to catch up with a businessman.

Of course, in addition to the money, officials also have rice, as well as all kinds of additional expenses, miscellaneous income, but the bulk is always in the money. Sister Tang opened such a company, it is really not an exaggeration to say that the prince of Fubi is a prince.

If you have an income of more than 5,000 yuan a year, how much gossip do you have to listen to? The money in the treasury is said to be the emperor's final say, but the amount of thousands of guan is not easy to spend. Buy something good for your beloved concubine, and dare to let her take 5,000 yuan out, but no chamberlain dares to do things. Not to mention that this kind of big move will definitely be known by the foreign court, and maybe something unpleasant will come out.

Thinking about it, Zhao Zhen couldn't help but feel a little moved, and said to Xu Ping: "Is it really so profitable to open a company?" ”

Xu Ping shook his head: "It is naturally impossible to make so much money when starting a company, otherwise you would still use the government to advocate it?" The world has been swarming to open early! It is now that these field affairs of the three divisions are opened into companies, which can make such money. Because they are originally made out of the goods, no one will buy them, but the number of one-year systems is limited. With a bank loan, there is no shortage of raw materials and hired labor, and the output will rise rapidly, making money faster than money and making money. ”

Zhao Zhen nodded, and his face finally eased. As long as the capital can be loaned out and the interest can be received, the money in his hands will be more and more, and he will not be cheated by the ministers of the foreign court, and this matter will be easy to discuss.

At this time, Zhao Zhen found that he had been standing for a long time, and hurriedly instructed Xiao Huangmen, who was standing in the distance, to give Xu Ping a seat and serve tea.

Sitting down, Zhao Zhen's heart was still carefully summing up, whether this matter was worth it or not. Xu Ping will not cheat himself, Zhao Zhen can still trust this, I am afraid that there is something that Xu Ping has not considered, and the money will be lost, but there will really be no more.

After thinking for a while, Zhao Zhen suddenly raised his head and said to Xu Ping: "That's not right! There is only so much money in the inner treasury, only a few million, and even if the annual interest is 20%, it is not much! ”

Xu Ping shook his head: "Your Majesty, how can the bank lend so much!" ”

Zhao Zhen stood up suddenly: "How much money can I get in that year?" Up and down the palace, the soldiers are rewarded, and they won't be spent in a year or two! ”

Xu Ping stood up and said, "Your Majesty, rest assured, the money in the bank is alive, not like that." ”