can't drink, Zhao Zhen always felt unsatisfied, so he had to take the tea and said to Xu Ping: "Replace wine with tea, you can drink a cup with me." Pen @ fun @ pavilion wWw. ｂｉｑUｇE。 info The imperial court has you in charge of money and food, which is really a great blessing for the country! ”

Xu Ping thanked him and took a sip of tea with Zhao Zhen.

Putting down the vegetable bowl, Zhao Zhen squinted and thought for a while before saying to Xu Ping: "What is the reason why you first opened a bank with the three divisions?" Why can't I open my own storehouse? ”

"Your Majesty, Weichen has something to say, if there is anything inappropriate, forgive the crime of disrespect."

Zhao Zhen waved his hand and said, "Say, if you have something to say, just say it." I am here to summon you so that you have something to say! Don't worry, where the ancestral gods are here, Taizu will leave Yourong Shiren, no matter what you say, I still blame you! ”

Xu Ping praised the wat and said: "The minister said it directly." If this bank is to let the inner treasury open by itself, and the three divisions do not participate, what does Your Majesty think the ministers of the outer dynasty will say? Although Wechen just said clearly that the bank is a good thing for the benefit of the country and the people, but with a small capital to make a lot of money from the people, even if the third division himself also runs a bank, the courtiers are afraid that they will-"

Zhao Zhen nodded: "Okay, I understand." - But is there any way to accommodate it? Under the old system of the ancestors, the accounts of the inner treasury could only be known by me alone, and could not be passed on. ”

Xu Ping smiled: "What's so difficult about this? Whether it is a company or a bank, the accounts are done by specialized people, and the first thing these people should do is to keep their mouths shut, and never disclose the accounts they make, otherwise they will take away their jobs. Only the envoys of the three divisions and His Majesty know how much interest the bank opened with the three divisions in a year, and outsiders can't say it when asked! ”

Seeing that Zhao Zhen looked a little unconvinced, Xu Ping said again: "Your Majesty, people who do business are most afraid of letting people leak their business organs." There are many things in the world, and if you pierce a layer of window paper, it is worthless, which is called trade secrets. The imperial court specially taught such a group of accountant people to come out, just to let them have this ethics, and if they can't even do this, then don't eat this bowl of rice. Moreover, banks are different from companies, even if they are bookkeepers, they can't actually calculate how much money they make. ”

Xu Ping wore out his mouth, but Zhao Zhen still didn't believe it, so he could only choose the lesser of two evils and reluctantly agreed. The inner treasury is his own private money, and on this, Zhao Zhen, the ethics of the ministers of the DPRK and the central government, can't be trusted, let alone a group of people who do accounts.

However, what Xu Ping said is really good, it is okay to directly transfer taxes, the impact of banks on the economy is too great, and it is impossible to let the inner treasury operate alone. The ministers of the outer dynasty can trust the emperor, but they definitely can't trust the inner servants and close ministers who operate it, whoever goes up to that position will die, unless Zhao Zhen completely controls the entire outer court. With that ability and confidence, what else does Zhao Zhen want to do as a minister, learn from the Daojun Emperor in history, how happy is it. What is commendable about Zhao Zhen is that he is self-aware, and when it is critical, he can restrain himself and will not mess with his temperament.

But after thinking about it, Zhao Zhen was still a little unwilling, and said to Xu Ping: "You said earlier that you want to build three banks, not to mention the one that specializes in lending money to the yamen, and it is not the same as the other two." Let's talk about the other two, what is the opening method - you are the provincial master of the three divisions, in charge of the world's money and grain, you are the master of the three divisions, and I have the final say in the inner treasury. If I have free time today, I might as well talk about it in detail. If you say that, I will have the bottom in my heart, right? ”

Xu Ping was stunned for a moment, and then he said respectfully: "The minister respectfully obeys the holy decree!" ”

Zhao Zhen's current appearance is very much like a rich man in the countryside who loves money like his life, and he is obsessed with money. But if you think about it, Xu Ping can understand. Many relationships between the court and the central government, the outer and inner courts, the civil officials and the military generals, the foreign relatives and the clan, all need to be balanced with the money in the inner treasury. In the emperor's seat, Zhao Zhen was not so relaxed when he sat down.

At the time of Taizu, there was only a sealed pile warehouse, and there was no inner storage warehouse. The property of the sealed pile warehouse mainly came from the seizure of other regimes in the pacification world, and only kept it but not taken, and it was clearly stated that it was used to recover the Youyun region one day.

When Taizong ascended the throne, the Liao failed again and again, knowing that there was no hope of recovering Youyun, he transformed the pile sealing warehouse into an inner storage warehouse, and greatly expanded the financial resources. It was no longer only from the seizures of the war, but also from the newly minted copper coins of the world, the taxes of the city shipping department, and the silk silk of some high-quality silk regions. At this time, the use of the inner treasury has become to balance the financial power of the foreign dynasty and win the hearts of the forbidden army, which is really the private wealth of the Son of Heaven. Taizong was very sensitive to the accounts of the inner treasury, not only did all the officials of the outer court not know, but even the inner servants in charge of the palace did not know, only the emperor knew about it. When he was dying, Taizong handed over the accounts to his son Zhenzong and told him what the sticks in the box where he slept were counted as handing over power.

Zhenzong further expanded his financial resources, expanding the number of state armies with two taxes into the interior to more than 60, and further increasing his ability to interfere in the finances of foreign dynasties. After signing the alliance of the Yuanyuan and becoming a brotherly country with the Khitan, Youyun couldn't even think about it, and the inner library completely lost the significance of Taizu's earliest establishment of the sealing library. It was only when the treasury was empty and there was no way to do it that Zhenzong allowed Ding Wei, the envoy of the three divisions at that time, to know the amount of wealth stored in the inner treasury, which was the only special case.

Zhao Zhen's luck was not as good as his father, he was still young when he ascended the throne, and Empress Dowager Liu was in charge. The Queen Mother is an outsider, and of course the inner treasury cannot be handed over to her alone, it is managed by the Queen Mother and the Prime Minister. When Empress Dowager Liu died and Zhao Zhen was in power, this account was handed over to him. Since then, the outer court has not known how much money is in the inner treasury.

The relationship between Inner Tibet and Left Tibet has always been dynamic, and it is different in the hands of each emperor, each with its own abacus. On the surface, it was the increasing proportion of the treasury in the state finance, and the emperor's ability to interfere in the finances became stronger, which meant that the imperial power was becoming stronger and stronger. But on the contrary, it also shows that the power of the foreign dynasty is getting heavier and heavier, and the emperor's ability to control the political situation is getting weaker and weaker, so it is necessary to constantly strengthen this method. When Taizu was in his time, he didn't care about the power of foreign dynasties, he decided on the government and had absolute authority. There were rumors about Taizong's accession to the throne, and after the foreign war to pacify the Northern Han Dynasty, he failed again and again, and the generals who disappeared briefly in the battle wanted to support Tingmei, so that he didn't even trust the generals who were the foundation of the government. promoted the imperial examination ministers to rise up and attack the elders and nobles. However, the imperial examination and civil servants also wanted to be in power, and this trend continued to increase, and the inner treasury became larger and larger.

Zhao Zhen didn't pay attention to Xu Ping's serious appearance, at this time his mind was all on how to ensure that his inner treasury property was not lost, and he could get more and more.

Let Xu Ping sit down, Zhao Zhen said: "Now that the third division has no money in his hands, you want to build two banks, where will the capital come from?" ”

"Your Majesty, there is still a lot of money in the hands of the third division, but it has not been printed. The tens of millions of tickets on Jingxi Road are all printed money to be supplemented. When the new money is made, part of the ticket will be used as the bank's capital, the rest will be paid between the yamen, and the rest will be converted into deposits. ”

Zhao Zhen shook his head, and couldn't say anything, the purpose of setting up a bank was to pay for those flying tickets. However, the third division is equivalent to an empty glove white wolf, and without a penny, it accounts for half of the shares of the participating bank in the inner treasury, which makes him feel a little uncomfortable. It's not good to be an emperor and worry about these things with your courtiers, Xu Ping said so, so forget it.

Zhao Zhen asked again: "How should the two banks be arranged?" If they are all crowded in the capital, I am afraid that it is a little inappropriate. There are so many households in the capital, and the company only has those field affairs to be changed for the time being, where will the loan go? ”

"What Your Majesty said makes sense, everything is done the same, and it is really not good to huddle together. According to Weichen's opinion, it is better to arrange it like this, how about setting up one in Beijing and one in Xijing? The capital of the inner treasury is naturally located in the capital, and it is easy to find someone to take care of it in the palace, and His Majesty is also at ease. The one that the three divisions paid for alone was located in Xijing City. ”

Zhao Zhen nodded: "It's exactly what I want." However, in this way, the power of the Cao Division of Jingxi Road is heavy, and the transfer envoy should find a minister who can make a difference, preferably as you did when you went to Jingxi Road. ”

Xu Ping hurriedly said: "Your Majesty is too worried, the bank and the local government have nothing to do with each other, and you can't let Cao Si manage the bank." Otherwise, it is equivalent to putting a money bag there on Jingxi Road, which is worth it? ”

Zhao Zhen didn't speak for a while, this kind of yamen, according to the convention, used to be the transfer envoy at the same time, and setting up an extra position would require an extra salary, not to mention that it would cost more to set up an additional yamen. However, what Xu Ping said also makes sense, this has to let the Jingxi Road transfer envoy manage the bank there, and he can't use the money in the bank casually?

After thinking about it, Zhao Zhen said: "This is the matter of the three divisions, you go and discuss with Zhongshu, you can decide for yourself." ”

As long as the bank of the third division is not in the capital to grab business with himself, Zhao Zhen is too lazy to care about some details. Xu Ping cut off the source of the income from minting money and the local two taxes to the inner treasury, and Zhao Zhen is now counting on the newly opened bank to bring him enough money, and everything else can be done.

The two banks competed with each other, and Zhao Zhen talked to Xu Ping very seriously about specific matters, the division of the market, the coordination in the event of conflicts, and how to divide the profits of the two banks, and discussed everything he could think of with Xu Ping.

In the end, Zhao Zhencai said: "In addition to these banks, in fact, the money supervisor of the money system is more important, how to grasp the money that is not too much, and the money to be used is not less, not ordinary people can do it." You said well before, it is not good to make more money, and it is not good to have less, but it is just right to grasp it, and it must be a minister. Xu Ping, who do you think is suitable for Chaoli? ”

Xu Ping praised Wat: "In the opinion of the minister, it is necessary to do this matter with Bachelor Neihan Cheng!" ”

Zhao Zhen smiled and nodded: "Yes, I also have this intention, only he is suitable for this matter." ”

The identity of the person in charge of the money supervisor must have enough weight, and he also needs to have a certain understanding of the economy, and Cheng Lin is indeed the right person. He was chosen not only because of these conditions, but also because he was a bachelor of Hanlin, and Hanlin was an advisor to the emperor, with the status of a minister, and it was also a balance between the internal and external dynasties, which Zhao Zhen was easy to accept.

The money supervisor is similar to the central bank in Xu Ping's previous life, not only managing the money, but also adjusting the amount of loans in the society by using the proportion of reserves received by several banks to be deposited there. This is the deposit reserve of commercial banks, and because of the money multiplier, if there is a little more, the lending of banks will be greatly reduced. On the other hand, the amount of government bonds purchased is of great importance to adjust the amount of funds in the economic system and control inflation.

Of course, these specific operations need to be slowly explored in practice, and now, including Xu Ping, they only have a vague concept and cannot explain it very clearly. Currency management has always been an extremely complicated operation, and what Xu Ping has to do now is to grasp the situation, and the general principle is that it should be coarse rather than fine, as long as it can be stabilized and there is no big mess.