In the past, I always felt that the money in my hand was not enough, and tried my best to collect it, but Xu Ping really figured out a way to make money, but he was worried that the money in his hand would not be able to be spent and would not be able to generate interest. Xu Ping can understand this kind of consideration www.biquge.info national debt is also a debt, and the money used is loaned, and if you borrow money, you have to find a way to make money to repay it, otherwise you will face a situation where the funds are less than the year a year.

Seeing that many people present agreed with Cheng Lin's doubts, Xu Ping said with a smile: "In fact, there are many places in the world that need to spend money, but the government has a lot of money in its hands, and it can't be done." For example, there are many roads and bridges in the world that have fallen into disrepair, not to mention that there are no roads in many places. Using the bridge to repair the Xiangjun is the government and the people who pay together and benefit together, and the future maintenance still has to be done by the Xiangjun. If you set up a company with a bridge, road and road to build a loan, and repay the loan based on the tax received after the road is repaired, why not? This is true not only for roads and bridges, but also for canals and wharves. Others, such as wine restaurants, can they be handled in this way? Another example is the field affairs of the three divisions, such as textile and cotton cloth, agricultural tools, and various sundries, and now the three divisions allocate money and account in a unified manner, can it also be used as a company? As long as these are done, the people can also follow the emergence of people who make money, such as vines and trees, and it is also possible to bring up private companies. ”

Industries can be cultivated, just like planting trees, and when forests appear, new ecosystems will emerge.

Chen Zhizhong couldn't help frowning when he heard this: "A lot of the money used by the three divisions now comes from the shop and these new field affairs, so that they can set up a company, won't the three divisions have no money to use in the future?" ”

Xu Ping said: "The big counselor has thought about it, even if the company is established, the third division is also the owner, and the money earned is of course managed by the owner." Aren't there many private shops like this now? Several companies have partnered to contribute money to do business, and there are even many people who contribute money who don't care about the shop at all, just waiting for the interest to be shared. The three divisions can do the same, and the account management is clear. ”

There are already many private industries and commerce, similar to the joint-stock system of later generations, but there is no written law, and this form of operation is fixed. Everyone has been a magistrate, and they are no strangers to this, so Xu Ping raised this, but no one had any objections. However, in the past, the most common official industry was the buy-out system, and regardless of the contractor's operation, the official income was guaranteed first. Xu Ping now proposes to use this form, which is equivalent to taking the risk of operation by the government, although the benefits will be more, but the risk officials are unwilling.

After discussing for a while, after all, the provincial master of the third division is Xu Ping, and he still respects his opinion, and tries it for a while to see the effect. If the risk is too big and the benefits are not large, you still have to find another way.

If these industries meet the conditions of capital and market, how fast and how large the scale of development will be, except for Xu Ping, there is no concept here, and they are still a little uneasy about what Xu Ping said. Xu Ping's heart is numerous, Kaifeng City, when he was the deputy envoy of salt and iron, the speed of development is not fast, in a short period of time, the scale is far more than the newly developed garment industry in Luoyang City. The purpose of the business is not clear, all aspects are unable to take a step, and there is no motivation for expansion.

Not to mention anything else, those few new field affairs are just one to be brought out, such as the enamel industry, and I don't know how big the market space is. Who doesn't use a pot? It is necessary to use it for washing face, washing clothes, and cooking with noodles, and now the common wooden basin and porcelain basin are not strong and bulky, and the cost is much higher than that of the enamel basin. The market channels of the three stores are spread, and this industry can create countless profits. The sum of various industries will not be smaller than the cotton cloth industry on Jingxi Road.

As long as the economic system is straightened out, there will only be enough money in the bank to lend, where will there be no loan?

Seeing that everyone had no objections, Xu Ping said again: "This bank can't have only one of the three divisions, otherwise it will not be able to do well after all." Moreover, it is easy to cause a lack of separation between official and private, and the yamen everywhere stretch out their hands there, and finally become a mess. In addition to the bank set up on the basis of the Zuo Treasury Bank, there is also a bank that specializes in lending to various yamen, and it is based on taxes. This bank mainly lends to the yamen, and the natural interest rate is slightly lower, but the annual tax revenue is the same, and the principal and interest must be repaid. Moreover, the cost of building roads and bridges can come from here, and although the interest rate is low, the income is stable. ”

This is a policy bank, which separates official lending from commercial banks and facilitates management. Moreover, major public welfare construction projects have a long repayment cycle, and commercial banks do not like to lend when they have other options. Of course, the profit requirements of such banks cannot be the same as those of commercial banks, which mainly serve official policies.

"The third bank should be divided by the three divisions and the inner treasury with a part of the capital, just like the example of the first bank, and the three divisions and the inner treasury will divide the profits." Speaking of this, Xu Ping saluted Zhao Zhen with his hand, "I just don't know how much capital Your Majesty is willing to come up with, there is a lot of capital hidden in it, and there is also a lot of profit after gaining." ”

Zhao Zhen knew that Xu Ping would definitely hit his mind on his inner treasury in the end, and after several three envoys, no one would not use this kind of brain. Of course, only Ding Wei really made it. At that time, Zhenzong had no money to worship in the east and west, and he had to rely on Ding Wei to let him master the account book of the inner treasury again after Taizong. Moreover, only Ding Wei is limited to one person knowing, and even if the others are the prime ministers, they are not allowed to know the number of entries and exits in the inner treasury.

After hesitating for a while, Zhao Zhen asked: "Invest money in, what kind of bank will not lose capital?" ”

Xu Ping smiled and said, "Your Majesty, have you ever heard that people who lend money in the world lose money?" What's more, it's the capital of the official family! ”

Zhao Zhen was still a little worried: "What will happen if the inner treasury doesn't put money into it?" How is it different from now? ”

"Since last year's cotton cloth on Jingxi Road was sold, the price of silk has fallen, and it is not appropriate to collect silk in the future. Even the silk stored in the Zuozang Treasury and local prefectures and counties should also be collected and transported to Mizhou and Mingzhou, and sold to Waibo or to the northwest city of horses. According to Chen's idea, the silk in the summer tax was cancelled one after another, or turned into forced labor, or turned into native products, and these things could not enter the inner treasury. Moreover, with the money supervised and the printing of money, of course, there is no reason for the newly minted copper coins to enter the inner treasury-"

Zhao Zhen frowned, and his face fell. There are several major sources of the inner treasury, the newly minted copper coins are put into the inner treasury every year, and there are more than 60 state military summer taxes rich in silk into the inner treasury, and then the taxes drawn by the city are into the inner treasury, and the others are small heads. As a result, according to Xu Ping's meaning, two major sources of income were cut off at once, but it sounded like the city would increase its income a little, and I don't know if it can last long. If there is no money in his hand, how can he be the emperor?

Thinking left and right, Zhao Zhen said: "The income and expenditure of the inner treasury, Rong Zhen will think about it carefully, and then discuss it later." ”

Li Dizheng was fascinated by what he heard, and listened to Zhao Zhen's words and said: "Your Majesty, all the capital of the three divisions has been invested, and the officials in the world are not spared food and clothing, why is Your Majesty reluctant to give up a few dollars in the inner treasury?" Last year, the money and grain on Jingxi Road increased sharply, and the world saw things in the eyes, but now it is just doing according to the practice of Jingxi Road, what are the risks? Why bother! ”

"I'll think again, I'll think again." Where did Zhao Zhen make this determination? The inner treasury has the current scale, which has been painstakingly operated by three successive generations of emperors, and it is so easy to transfer money from the normal finance. If you toss it all at once, and then want to fill it up, the outer dynasty will not give Zhao Zhen another chance.

Li Di is an old minister of the East Palace, and the emperor's most trustworthy person is good, but when it comes to this kind of thing, he must strictly guard the inner treasury. The emperor is short of money, can he be given by the three divisions, as long as the three divisions have money in their hands, what is the matter with saving private money?

In the entire Chongzheng Palace, no one helped Zhao Zhen speak. These ministers, as long as they have the opportunity to empty the treasury, will definitely not miss the opportunity. With financial power in hand, it will be difficult for the emperor to make some small moves.

The emperor is a human being, surrounded by relatives and friends, and flattering villains, of course, their benefits are indispensable. Therefore, relying on the emperor's self-discipline cannot be trusted, and the best way is to take over the power and exercise it on behalf of foreign dynasties. Fan Zhongyan impeached Lu Yijian, and one of them was that he usurped the imperial power and seized the power of the Son of Heaven as a traitor. But on the contrary, he never felt that Kou Zhun acted on behalf of the Son of Heaven back then, as long as he was dedicated to public service, it was a matter of course for him to exercise power on behalf of the Son of Heaven.

This is a very contradictory psychology, when they feel that it is a traitor who is in power, they shout that the king cannot let go of power. But when a gentleman is in power, it will be different, and he thinks that the emperor should not take care of everything, just use the right person.

Xu Ping didn't expect that he would turn the topic to the inner library, which had an unexpected effect, and everyone suddenly didn't care much about the new policy, and they didn't question it. Perhaps in the hearts of these ministers, they will feel that there is nothing wrong with the new policy, and if it really plays a role in regaining the control of the Inner Treasury of the Foreign Dynasty, then the benefits outweigh the disadvantages.

Xu Ping really didn't want to take away Zhao Zhen's financial power, and he proposed to let the inner treasury become a shareholder and open a separate bank, so that the benefits would be much better than letting the cloth pile up in the warehouse become moldy. If you don't want the ministers to know how much money there is in the inner treasury, then the bank's accounts are not public, and you only need to let the three envoys and the people in charge of the inner treasury know that it is still the pattern of the time.

Seeing that Zhao Zhen didn't let go, Xu Ping said: "How to deal with the inner storehouse, Your Majesty can think about it calmly, anyway, it has nothing to do with other things." If the ministers no longer have any doubts about what is being discussed today, the three departments in the back will begin to sort out the accounts, put the framework together, and then select the right person to take charge. ”

Zhao Zhen was forced by the matter of the inner library, and if he objected again, everyone would think that he was selfish and reluctant to benefit the inner library. After Xu Ping's words were finished, he had to be silent.

Li Di came from Jingxi Road, and to promote the new policy there to the whole country was to consolidate his position, and the same was true of another prime minister, Chen Yaozuo. At the moment, there was no objection, let Xu Ping officially start the relevant reforms, list them consistently, discuss the specific content one by one, and select candidates at the same time.

With the foundation of the new policy on Jingxi Road, the support of the officials on Jingxi Road, and the approval of the two prime ministers, plus Lu Yijian and Wang Zeng were demoted together, most officials in the DPRK and China are still hiding from the limelight, and the new policy has been decided. Although the matter came to an end, Zhao Zhen's heart suddenly had no bottom, and it still had nothing to do with the overall situation after all.