Wang Ju pops up a new term from time to time, but everyone is not surprised, this is a new thing, of course, a new term is used.

At this time, the effect of killing Gao Huaizhong was seen, so many soldiers were stuck in the blink of an eye, and Wang Ju only took a battalion of soldiers to ride over, and beheaded so many soldiers in front of the officers and soldiers of Yongxing in the sixteenth battalion.

This reminded everyone that Wang Ju was famous, and most of the officials below listened, even if they questioned, they tried to say it in a tactful tone, so as to avoid offending Wang Ju.

Wang Ju ignored everyone's thoughts and continued: "The tax tax of our dynasty is almost five to six times that of the Tang Dynasty, and the actual wealth may also be five or six times that of the Tang Dynasty. But this wealth is rich in a very small number of people, and ordinary people are still very poor. What would happen if all the people had five or six times the income of the people of the Tang Dynasty? ”

Yu signed a smile and said, "Ming Gong, that's impossible." ”

"Yes, it's unlikely, if there is really this possibility, our dynasty will have a strong attraction, at least the Han households on the side of Western Xia and Liao, will try their best to come to our dynasty. It is precisely because the ordinary people are not rich, and the country is not strong, so even these Han households are unwilling to return to the Great Song Dynasty. ”

"Ming Gong, it's difficult." Yu said with a smile.

Of course, if this situation really occurs, needless to say, at least the Liao State and the Western Xia Hanhu will come to defect.

But it is impossible, if this situation occurs, it will not be far from the prosperous era of Datong that the master said.

Wang Ju glanced at him, this was an old and sophisticated minister, who was only a fourth-class jinshi back then, but climbed to this position step by step. It's going to go slowly, but it's going up.

It's also a skill. If you don't get it right, it will make the king hurt. But he took the initiative to cooperate. This tactfulness will help you.

As soon as the thought passed, Wang Ju nodded and said, "Yes, it's difficult, but we will find a way to make Gyeongju a little better, which will also increase its attractiveness." And in the past, if Gyeongju was too rich, Western Xia would definitely send troops over and plunder it from time to time. But now that the Yokosan Zhuqi is in the way, the whole of Gyeongju is in the rear. ”

This is a real big move, and Wang Ju is playing.

If it's poorer over there. This side is richer, and in comparison, the hearts of the people of the Western Xia will be more scattered.

However, whether it can succeed or not, Wang Ju is not very clear.

"So I came up with this idea to set up this Gyeongju Development Fund and encourage the people to store their surplus money in this fund," he added. If there is no fixed time, there is no interest, but there will be no storage fees from the people. If you save for one year on a regular basis, you can withdraw the principal from the fund after saving for one year. Plus 3% interest. If it is fixed for five years, the interest is 4%. If the term is more than 10 years, the interest is 5%. For those who have a fixed term of more than two years, they can withdraw interest from the fund at the end of each year. Of course, you can also continue to deposit the interest in the fund and use them to roll over the interest. However, if the period is not enough, if the period is not enough, and the withdrawal is made in advance, then you will have to pay a storage fee of 2%. ”

There is a background here, the Song Dynasty also had institutions similar to banks, allowing people to deposit money, but instead of paying interest, they had to charge a custodian fee, which was also very high.

However, there are also businesses, and some businessmen carry a large amount of money and silk and are not at ease when they keep it around, so they temporarily deposit a deposit in these institutions, at least without a large number of people to take care of it, and avoid unnecessary risks.

However, most of those institutions are in some of the megacommercial cities, especially in the capital, and the most of them are engaged in this kind of business, which has to admit that Jews do business.

However, their business mode is very backward, mainly based on demand deposits and withdrawals, so they dare not take out their money to lend.

The main reason is that there are too few smart accountants in this era, and this problem will soon be faced by Wang Ju.

In fact, the money stored in the current account can also be used to lend for profit, but if there is no smart accountant, then it may cause the money to be released together, and the guests come to withdraw the money, but the fund cannot take out the money. Then there is tension, credit collapses, and they come to get the saved money back, and the fund fails!

Therefore, Wang Ju used interest and storage fees to encourage people to make regular deposits, but they were not allowed to withdraw them in advance before maturity, so as to avoid confusion in the accounts.

More than a dozen officials let out a long breath.

Now they almost all understood Wang Ju's intentions.

Yu couldn't help but say: "This is a good idea, although it is also to collect money, it is much more clever than the Qingmiao method." ”

Everyone's forehead.

First of all, the Seedlings Law requires the imperial court to pay a lot of costs, but what is the cost of this? A few houses, guarded soldiers, and more than a dozen economists who know how to operate.

Secondly, its prospects are more ambitious, the green seedling method is the principal, and there will be no more when it is finished, but this is different, no need for the principal, but the principal is infinite, if it has a reputation, not to mention anything else, that is, how much money is left in the hands of the people of Huanqing Erzhou? Although the interest rate is a little lighter, the interest difference earned will be far better than the Qingmiao loan apportioned by the imperial court because of the large amount.

In addition, if the loan object does not make a mistake, it can bring a lot of commercial taxes to the government.

As for the risks, is there no risk in the Seedlings Law, and can they be recovered one by one?

"Yu signed, you are wrong, what is the collection, the miscellaneous taxes that are not willing to be forcibly assessed by the people can be called collection, but my measure, the word forcible from that?"

"But there are a few points to remember, the preferential is the sunrise industry, what is the sunrise industry, I am a good citizen, I am always law-abiding, the industry is legitimate, and there are prospects. Although it is not a money-making institution, but a profit-making institution, the industry without prospects should be cautious, and the evaluation of the sunrise industry should be even more cautious. For non-sunrise properties, those who want to borrow must have a house deed, title deed, or other fixed property of equal value as collateral before they can lend. The loan interest rate is the same, the annual interest rate is one cent, and the monthly interest rate is one percent. ”

"In addition, in order to avoid unnecessary verbal disputes, it is necessary to impose several restrictions on the lender, not to be harsh on the employees, to stipulate clear wages, working hours and holidays, and not to use the loan for other purposes, especially to use it to issue usury, otherwise it will be recovered immediately, and the crime of defrauding the government will be investigated, and the relevant taxes must be paid."

In fact, these are just now when Wang Ju was talking about his conversation with Zuyang. That's it. It's just a repetition here.

Only the one-month loan was added. This has two intentions, one is to facilitate short-term borrowing, and the other is to revitalize the use of those "current storage".

However, Wang Ju added: "In addition, all the children of official households and the children of important officials in various states and counties can only be used as a party to the deposit, not as a party to the loan." ”

Under a centralized system, officials do business. It is conceivable how many disadvantages it will bring.

But this trouble has not been solved after a thousand years, let alone in the Song Dynasty, so Song Taizong and Song Zhenzong banned it several times, but they were not banned.

Wang Ju didn't want to touch this trouble either.

But in this small area, Wang Ju intends to stop this danger in advance.

Wang Ju said: "Especially in taxes, the state is apportioning green seedling loans, so it can no longer deepen the burden on the people, from now on, not only commercial taxes." Including other taxes, they are all unified and standardized. No one shall arbitrarily apportion taxes other than those prescribed by the regulations. ”

"Brother Qianfu, you will start to set up a charter for these things from tomorrow onwards, and implement them throughout the territory."

"Okay, Zi'an, do you want to report to the court?" Zhang Qi said that he vaguely felt that what Wang Ju had done was not trivial, and its significance was far greater than that of the Qingmiao Method.

And it seems to be faintly in contrast to the Qingmiao Law, so he built yì Wang Ju to report to the imperial court.

"Brother Qianfu, no, if you want to implement this development fund, the conditions are too difficult, and you need a large number of economic people who understand economic accounts, not only to understand, but also to be proficient, this candidate is difficult to find. Even if they find it, it is not something that the government can afford. ”

"Secondly, the currency is not enough, it is impossible for the people to hold a horse of silk to store, and then give him a three-foot silk next year, what has become of it? Therefore, the storage must be all kinds of currency, as well as gold, silver, and jiaozi. However, all three of these three are not enough, and this time it was able to be implemented in Gyeongju because of the large amount of green salt trade, which brought sufficient currency to Gyeongju. In other state armies, how many can meet this condition? ”

"Moreover, it is not as simple as making interest, even if the price of the currency itself is fluctuating, gold and silver are always rising, and unless someone can get a lot of gold and silver from overseas, the price will be higher in the future. But some of the big businessmen see this trend, and they don't store gold and silver. Speaking of various copper coins and iron coins, judging from the current trend, the price of iron coins is also gradually falling. It's just that the people have been lacking currency in circulation, so the imperial court has repeatedly banned it. Even the copper coins themselves, the hard pass dù of each copper coin is different. The fluctuations of Jiaozi are unimaginable. If you stick to it, it will be more troublesome than I said. In Gyeongju, I can still pay attention to it, at least during the time I know Gyeongju, so that everyone can accumulate some experience. It would be a disaster if the whole country rushed to implement it. ”

"Speaking of business, I talked about the sunrise industry, but what is the sunrise industry, I am afraid that the standards in the hearts of various officials are different. What it seeks is the interest rate difference between deposits and loans, and if the loan is small, the profit will fall. If you hastily lend money for profit, resulting in a lot of dead debts and bad debts, it will not only cause many controversial lawsuits, but also cause serious losses. ”

"Therefore, the Gyeongju Development Fund is just a test site, and through its implementation, we can see what problems it will have, and we can also accumulate a certain amount of talent and experience. Therefore, there is no need to report to the imperial court. ”

But Wang Ju comforted again: "Of course, if it can succeed, you will be the pioneers, once the country promotes, everyone here, you will also be transferred to the capital to preside over this new ministry and department." ”

Going to the capital is not a dream for Wang Ju and Zhang Qi, but for other officials, it is a distant dream.

Then Wang Ju threw out a list, the list has the names and information of more than 20 households, all of which are somewhat similar to Zuyang, but the various industries are different, some are ceramics, some are livestock, some are planting, and there are even two persimmon processing workshops.

This is all information that Wang Ju secretly touched, but if he wants to issue loans to them, first, they must be willing, and second, they must investigate further.

However, Wang Ju moved on to other topics.

Gyeongju has begun to govern internally, and there are a lot of affairs, as for what changes this development fund will bring in the end, although Wang Ju is looking forward to it, it is not easy to estimate.

In fact, this is the first step in laying the foundation for future banks......

But Gyeongju has more than this one thing, there are many affairs, such as the exemption law, what should Gyeongju do?

Everyone discussed until the moon and stars were scarce, and then they dispersed one by one.

"Zi'an, let's have some food at my house."

"Okay."

The two walked towards Zhang Kai's temporarily rented house.

Zhang Qi said again: "Zi'an, I only worry about two things, one is that the Jiefu Guild minds. ”

"Well, if there is an edict from the imperial court, I will explain it to the imperial court."

"The second is the imitation of the Jiefu Guild."

This is inevitable, Wang Shao in Qinzhou in order to save funds for the pacification of the Xihe, came up with a city law, Wang Anshi immediately brought it, the whole country implemented, and this more advanced preliminary bank prototype.

However, in the current situation where the currency is insufficient, there are not enough economic talents, and the abilities of various officials are different, once the whole country implements it, it will be no less dangerous than the city law.

This is also what Zhang Qi was worried about after listening to Wang Ju's explanation.

For example, now the three armies will not be withdrawn from Yanzhou in the short term, and I must take both the Shaanxi pacification envoy and the Huanqing Road pacification envoy to appease the envoy, and also have the right to meddle in the affairs of the entire Huanqing Road Wuzhou Army, taking this opportunity, I will come back from time to time to remove all the harsh taxes, simplify taxes, formulate a more standard tax policy, and make detailed annotations, and use Lu Bu to issue them to the people of all states and counties of the five state armies, and formulate detailed punishment regulations, punish those corrupt officials, and it happens that the imperial court implements the law of exemption from service, since the imperial court has paid salaries, if you are greedy again, I also have an excuse to punish them heavily. ”

Secondly, it emphasizes the word voluntariness, and it is not allowed to coerce the people to save or borrow money in any form, and the third is to cultivate talents and make their business methods flexible and mobile. If Jiefu Gong is interested, I can explain these high thresholds clearly in the book, so that Jiefu Gong will know that it is difficult to retreat. If Jiefu Gong still wants to enforce himself, I can write to dissuade him. ”

In that case, if there is a problem, it has nothing to do with Wang Ju.

However, its significance is not trivial, and Wang Ju didn't want Wang Anshi to corrupt it in order to collect money, so he said: "Brother Qianfu, work together, you can also work with everyone to find a way to further raise its threshold, as long as you don't trap yourself in it." ”

Zhang Qi is at a loss, this is the real new thing, where can he find a way to go?

Wang Ju is also distressed, it is difficult to estimate what changes this Gyeongju Development Fund will bring to Gyeongju in the end. The effect is small, and Wang Ju will be disappointed. The effect is large, and it is inevitable to prevent fire and theft.

However, it is indeed too difficult to defend the stone.

But the most important thing at the moment was the tens of thousands of troops, as well as the dense salt transport people on the way, so Wang Ju returned to Yanzhou the next day.

The imperial edict had not yet arrived, but Wang Ju heard news that the imperial court had sent a central envoy to investigate Han Jiang and Zhao Di.

Wang Ju said in surprise: "These two people are torn so tightly? ”

Liu Changzuo had a trace of worry on his face. (To be continued......)