575 two major problems

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This meeting has been held for three days, and it is really that there are too many civil affairs in the three prefectures of Jiangbei, and these are the most important things that Li Zixiao only hears about.

For other less important civil affairs, Li Zixiao just skipped it and let Qian Guangyuan and Lin Yongnian watch and deal with it.

For some major matters of people's livelihood, public security, commerce and trade, Li Zixiao gave them instructions and the next policy direction after listening to the reports of the ministers.

Generally speaking, after the three-day meeting, Li Zixiao summed up the difficulties in these aspects of civil affairs.

One, lack of money.

That's right, Li Zixiao was short of money, and at first Li Zixiao couldn't believe his ears.

Not to mention, at this time, the tax policy implemented by Li Zixiao in the three prefectures of Jiangbei paid special attention to business, and basically no businessman could evade taxes.

Although Li Zixiao abolished the various harsh taxes imposed on the peasants in the past.

However, judging from the reports of Qian Guangyuan and others, Jiangbei's tax revenue has been steadily increasing in the past two years.

In addition, Li Zixiao continued to go on expeditions, from the hands of bandits, landlords and gentry, and even Tartars, but forcibly plundered a lot of gold and silver, how could he be short of money?

Li Zixiao didn't believe it, but after listening to the report of Qian Guangyuan and others, he saw what they handed over, and after the detailed expenses of the three prefectures in Jiangbei in the past two years, Li Zixiao also gasped.

According to this expenditure account, Jiangbei's finances remained stable at this time, and there were still 600,000 taels of silver in the treasury of the Patrol Prefecture.

At the same time, Li Zixiao also knew that his Li Mansion also had his own private money of more than one million taels.

After Li Zixiao captured each battle, he took out 20% of the captured gold and silver to keep as private money, 30% to reward the soldiers, and finally 50% to the government treasury.

However, when Li Zixiao was shocked, the monthly expenses of the three prefectures in Jiangbei at this time were as much as more than 200,000 taels.

This includes the salaries of all officials in Jiangbei, the salaries of all the generals and soldiers of the White Dragon Army and the City Defense Army, which are all small heads.

The real big thing is that Li Zixiao continued to develop Jiangbei, build roads, build water conservancy, build seaports, dredge canals, expand shipyards, resettle displaced people, and so on, all of which cost money.

At the same time, the most expensive thing is to fight!

Li Zixiao only knew at this time that he went to sea to defeat Tamluo Island this time, attacked Phi Island, captured Zhenjiang, and tossed around outside the pass.

Originally, Li Zixiao thought that he had achieved a fruitful battle this time, but when he saw the account book handed over by Qian Guangyuan, it was clearly written that he had spent more than 600,000 taels of silver in this battle.

After Li Zixiao finished reading it, he felt like vomiting blood, this is special, the silver he brought back by himself is exactly about the same amount.

That is to say, in addition to laying down a Tamna Island and relocating more than 100,000 people, Li Zixiao seized all the gold and silver he seized.

After he rewarded the soldiers and compensated the fallen soldiers, the remaining silver was just enough to make up for the expenses of the treasury.

"Damn, it's really a cannon shot, ten thousand taels of gold, this battle is really not something that can be fought casually, ah, I feel sorry for Lao Tzu."

As soon as he thought of so much silver, this battle was over, and Li Zixiao's heart was dripping blood!

You know, this time he only brought out about 30,000 people, just these people, and spent so much money in the treasury in one battle.

If, in the future, his men and horses were increased and he fought larger battles, wouldn't the silver cost more?

In addition, Li Zixiao never dared to delay the development of Jiangbei because of the war.

Now that many livelihood construction projects in Jiangbei have begun, if they are stopped in order to save money, the money spent in the early stage will be in vain.

"Old money, how much is the shortage of funds on the government side?" Li Zixiao asked.

"General, if we want to hold out until the second half of the year, as well as the income of other shops, with the silver in our current treasury, we still need a shortfall of at least about 150,000 taels."

"150,000 taels? This is not much, this time I seized the tartars from outside the gate, and it is enough to give it all to you. ”

"That's great, General, so that the finances of our government don't have to worry about collapsing."

After Qian Guangyuan heard Li Zixiao's words, he was also excited, but then his face sank again.

said solemnly: "General, at this time, the stalls in our Jiangbei shop are really too big, and money is needed everywhere, and it is like flowing water."

In addition, if you don't want General Wei to expand his army, you have to go out to fight, which will cost a lot of money.

Our taxes in Jiangbei are now far from keeping up with the speed of our spending, and now with these 700,000 taels, we can alleviate our financial predicament for a while.

However, it is not a long-term solution, and our investment and development in Jiangbei will have to wait at least a few more years before we can see the benefits.

Even, if the general comes to go on a few more expeditions during this time, the treasury needs to allocate a wave of silver in advance to prepare.

This is a great burden on our finances beyond our means! ”

"Well, I see."

After listening to Qian Guangyuan's words, Li Zixiao's face was also solemn, nodded slightly, and responded.

Li Zixiao also knew that at this time, their investment in Jiangbei would have to wait for at least another two or three years before they could see the benefits, and this period of time was their most difficult day, and lack of money was inevitable.

Obviously, in Qian Guangyuan's words to Li Zixiao, he had already hinted that Li Zixiao should not continue to fight, otherwise the treasury would not have the money to support them in the war.

This made Li Zixiao very embarrassed, you know, this time he came back and he was ready to continue to do a big job, going north to Shandong and west to Kaifeng, this is his plan.

Once the troops are mobilized, of course, it is indispensable to continue to spend money, and it is obviously impossible for Li Zixiao to give up these plans.

Of course, Li Zixiao still has a lot of cards in his hand that can be played, and this difficulty will not stump him.

Moreover, at this time, there were more than one million taels of silver in his Li Mansion, although many of them were invested in business by Lin Wan'er.

But if Li Zixiao needs to, he can still do it if he takes out five or six hundred thousand taels in a short period of time.

No more, Li Zixiao can issue war bonds! So many people and merchants in Jiangbei bought some war bonds at will, and the silver came.

Over the years, the White Dragon Army has fought in the south and the north, and has never fought a major defeat, and the White Dragon Army's winning record is the guarantee of war bond sales.

Li Zixiao believes that once he really issues war bonds, there will definitely be many people in Jiangbei who will buy them.

"I know this problem, from now on, I declare that the treasury will no longer need to support the army's combat expenses for the next three years, and only need to provide the army's daily military pay expenses.

As for this battle, we still have to fight, because we can't help it, and some battles can't be fought without fighting!

Of course, the cost of this troop money will be figured out by the general himself, and in the same way, in this way, the income of the army's seizures from going out to fight will no longer be used back to the government office.

As for your government office, you should concentrate on the construction and development of Jiangbei during this time. ”

Finally, Li Zixiao said to Qian Guangyuan and others.

"Old Qian, how are you preparing for the opening of an official bank, that is, the bank I mentioned to you before?"

In the end, Li Zixiao remembered the matter of China Construction Bank again because of lack of money.

If he can build a bank in Jiangbei, he can issue his own coins, which is a huge source of finance.

"Back to the general, all aspects of the construction of the money village have been prepared, but there is one last problem, that is, lack of money!

The construction of official money banks, and even the integration of all money banks in Jiangbei, requires a huge amount of money, and we are short of money now! ”

Qian Guangyuan said with a bitter face.

"That means you have to push it back?" Li Zixiao said with some dissatisfaction.

Qian Guangyuan nodded helplessly and remained silent.

"You may be thinking wrongly, in fact, the government government integrates Jiangbei money banks, and in the future, all money banks in Jiangbei must be controlled by the government, of course, some other businessmen can also participate in holding shares.

Even, the government is only responsible for supervision, not the day-to-day operation of the bank.

In this way, those businessmen who want to hold shares in the bank have to take money, and if they want to get the right to run the bank, they also have to compete, and the one with the highest price in the end wins.

In this way, won't the money come?

Of course, how the bank should operate and operate in a daily manner must be in accordance with the rules, and no one should be allowed to use the bank to make money for himself.

I'll have time for that, and I'll let Madame give you a lecture. ”

Li Zixiao finally smiled and said.

At this time, Li Zixiao moved out the bank and the shareholding system, and Qian Guangyuan nodded again and again, and many officials around him also showed contemplation.

In fact, it is not the first time that Li Zixiao and Qian Guangyuan have proposed the concept of banks and the shareholding system.

At this time, at the end of the Ming Dynasty, Huaxia had actually appeared in the prototype of the shareholding system, and the Jin merchants did a very good job in this regard.

Because Li Zixiao has been fighting abroad all the year round, Lin Wan'er is responsible for the management of many industries in the Li Mansion.

In fact, Lin Wan'er is not very good at business, she is only responsible for reviewing the financial status of the Li Mansion every month, and it is Lin Yuluo who is really responsible for the business operation of the Li Mansion at this time.

Li Zixiao has long discovered that his three wives have their own talents.

Although Lin Wan'er was born in a family of eunuchs, she preferred the way of science told by Li Zixiao, especially for the steam engine, and became very interested.

Now, Lin Wan'er has spent a lot of money to build a 'scientific research institute' in a remote courtyard in the backyard of the Li Mansion, and spends her free time researching 'science'.

Li Zixiao is also very supportive of this, he is not a feudal person, he does not encourage his wife, so he can only stay at home and embroider with children.

Since Lin Wan'er likes scientific research, of course he, as a husband, must vigorously support it.

Although the second lady Guan Mingxi was born in a merchant family, she prefers literature and poetry, while the third lady Lin Yuluo is more interested in business.

Li Zixiao told the three daughters about this knowledge, and the three daughters were also literate and hyphenated, educated people, and they didn't understand it at first, but Li Zixiao told them carefully and gradually understood.

At this time, Li Zixiao felt that it was necessary to ask Lin Wan'er to give Qian Guangyuan a lesson, and the bank's affairs should be done as soon as possible, which would only benefit Jiangbei.

Of course, he didn't have time to lecture, and he had a lot of things to do next, so he had to ask his wife.

The matter of lack of money, Li Zixiao can only solve it like this for the time being.

And the second problem Li Zixiao faced was the influx of population into Jiangbei, which was too much during this time.

All this is because Li Zixiao's operation in Jiangbei not only allows everyone here to eat, but also freezes to death in winter.

This kind of life is simply a heavenly day for the displaced people in Henan, Shaanxi, Huguang and other places!

At the beginning, Qian Guangyuan and the others were happy to see that a large number of displaced people poured into Jiangbei.

But in the back, more and more displaced people poured into Jiangbei, making their burden bigger and bigger.

Not to mention, to feed these displaced people, they need a lot of food, and they are not too worried about this.

After all, in the past two years, the area of sweet potatoes planted in Jiangbei has been expanding, and the annual output can not only feed the people of Jiangbei, but also have a lot left.

This is also the main reason why few people in Jiangbei have starved to death in the past two years.

Secondly, if you want to settle these people, you need silver and land, and in a short time, these resettled people will not be able to provide any taxes to Jiangbei.

This made Jiangbei bear a lot of burdens, and the population was small, so it was just for Qian Guangyuan and them to organize the reclamation of wasteland, and they would be able to recover the benefits in the next few years.

However, as more and more displaced people poured into Jiangbei, the wasteland that should exist in Jiangbei was almost reclaimed.

Qian Guangyuan didn't have so many places to settle these displaced people, which made Qian Guangyuan anxious for a while, and even wanted to use the White Dragon Army to prevent more displaced people from entering Jiangbei.

However, in the end, Qian Guangyuan's proposal was vetoed by Lin Yongnian and others.

"Well, that's a big question. With so many displaced people pouring into Jiangbei, they can't stop it if they want to.

To solve the problem of displaced people, we must tackle it fundamentally, and to resettle the displaced people, we need land, seeds, and cattle.

Although the cost in this area is not small, it does recast the foundation of our White Dragon Army in the future, and we must not be sloppy.

You must continue to do the work of resettling the displaced people, even if there is a shortage of silver, you cannot stop, and if you lack money, you will find a way.

However, there is really not much land in Jiangbei, and I will find a way to do this, you organize the displaced people first, and I will solve the land problem for you soon. ”

Li Zixiao gave instructions to Qian Guangyuan and others.

The population, of course, is as much as possible, and the effort at this time is for the sake of accumulation in the future.

As for the lack of land, for Li Zixiao, it will soon not be a problem.

Whether it is Shandong or Kaifeng, there must be vast wasteland, and it is no problem to take these places and resettle the largest number of displaced people.

At the end of the next three days of the meeting, Li Zixiao gave instructions on most of the civil affairs, which also gave Qian Guangyuan and others a very clear goal for their next work.

The three-day meeting resolved civil affairs matters, and in the end it was the turn of the military side, Wei Hong and the other generals of the White Dragon Army waited until the end, and then reported the situation of the army to Li Zixiao.