"It's okay, it's a big deal for me to make a statement, after the river is governed, I will go back to Zhengzhou to support my mother, Sanniangniang's health has not been good since last year, I have been very worried, I will return to Zhengzhou after the river is governed, and I will do my best to fulfill the filial piety of the son of man." ,!” Zheng Lang said indifferently.

What Pang Ji said has a profound meaning.

The success of a river control project will be an unprecedented political achievement, and not only the officials directly involved will have a great merit on their resumes, but also the relevant officials, including the two governments. There are no two mansions, is there this money to govern the river?

It's still early, and once the river work is almost finished, there will be a series of reshuffles. As well as Zheng Lang, after the completion of the river work, he will inevitably enter the two provinces and become the prime minister again, which will block the way of some people. If you want to find trouble, it is simply too easy to not have n disputes that year.

This is called pushing and grinding to kill donkeys, not that the emperor wants to kill them, but that some scholars and doctors want to kill them.

Not only Zheng Lang, but Pang Ji and Fu Bi may also have to be killed. There is also Da Song, who has been killed. The imperial history is connected to the book, saying that Song Zhen was old and lazy, and chose the old method of martial arts. Add the outer wide and the inner taboo, and pay the minister Wang Baoning, Yin begged for assistance. Yesterday, in addition to the imperial medicine institute to enshrine four people to lead the group to practice and stab the history, Bao Ning is one of them. The officials of the third class of the court are appointed after the season limit, and they are not punished. The royal loyalty should be retreated, and it is appeased. Such is the rate of favoritism.

Fortunately, Zhao Niannu was not implicated.

Lu Zhi and other imperial historians connected four impeachment recitals.

The officials of the Zhiyuan Counsel Zhao Luan and others also commented on Song Zhen's lack of talent, and the two major Yanchen institutions once again joined forces, and Song Zhen dismissed Zhengzhou. Zeng Gongliang served as the privy envoy, Zhang Yu and Zhao Luan were the governors, and Ouyang Xiu, Chen Xu, and Zhao Cheng in the imperial history were the privy envoys.

Zheng Lang didn't think that this was a struggle for merit, just like Lu Xu's engraving of Cheng Ji, who knew the darkness slightly, was thick and dangerous, befriended the powerful, advanced by fate, favoritism, and coercion. He is over 70 years old and has returned to power. Near the Privy House. both with banditry; Reinstate the right to marshal power, and you are competent!

In fact, Da Song is an honest man, and Cheng Jian is a good official, but he has no talent, so he can't be the prime minister. What was written on the fold of Lu Zhi. It's all over.

It has nothing to do with the merit of fighting for the river.

"You want to quit, have you ever thought about me?"

"Mellow, state affairs are important. I just want to retreat, and I have to wait for the river work to end. Otherwise, he will return to Zhengzhou last winter. ”

Pang Ji was speechless.

Yes, if the Yellow River River work doesn't end for a day, just stay for a day.

However, Pang Ji is seventy years old, and it is really difficult to deal with so many affairs every day.

Sima Guang looked at Pang Ji's gray hair. He said with emotion: "Pang Gong, Zheng Gong has always respected you, and until today, I don't know where this respect comes from." ”

"You masters and apprentices don't give me candy to eat." After Pang Ji finished speaking, haha. I am so tired that I can't do it, and I have to suffer from the words of the minister, and my heart is even more suffocated, but I also have a sense of self-satisfaction.

He patted his head again and said, "I'm going to pull you far." Or is it the right thing, do you know, why are there so many errors in what you say? ”

Zheng Lang said: "It's my negligence, so I'll write an explanation." But let me tell you first, it's not that I'm wrong, it's that I'm ignoring the burnout of the people. ”

"Burnout?"

"I have presided over many large-scale water conservancy projects, regardless of Jiangdongwei. or participated in the Sanbai Canal, or the development of the south. There is one point, most of the workers are the beneficiaries of the project in the future. Therefore, the enthusiasm for labor is high, and the laborers are still the beneficiaries in the future, but this benefit is hidden and cannot be directly seen from the cultivated land, and some people have eliminated their accumulation and slackened work. ”

This explanation is very clear, if you are bitter, you can bear five or six square meters of soil a day, and if you are a foreign worker, you may not be able to bear two square meters of soil a day, which will inevitably produce a huge budget error.

"I see."

"You can't be forced, as soon as I say it tightly, the officials below will misjudge, and it will be more urgent."

Pang Ji's forehead, just now Zheng Lang asked about the commercial tax, the commercial tax must be much higher than in previous years, but many bad things have happened below, using newspapers and other channels to clearly mark the tax standards of various commodities, but many officials are still harsh on businessmen, which leads to the attack of the ministers, and also leads to the main reason for the quarrel between the two Yanchen institutions.

The real reason is this miscalculation.

"Looking at the history books, you can also see that the people used by Yang Guang to repair the Grand Canal are far less than our dynasty, some say 1.5 million people, some people say 2 million people, because the project is huge, there are not enough men, so women are conscripted to serve. This is caused by the population base, the area of the Sui Dynasty is more than twice that of our dynasty, the number of households in the country is only 6 million, and the number of households near the canal is less than 3 million, without the labor of the people, there will not be many. In addition, it is not a form of employment, but a form of servitude, which makes the people suffer. Moreover, the urgency of the project is unimaginable, if the large Tongji Canal (Bianhe, with a total length of 650 kilometers), millions of people were recruited, dug in March of that year, and opened to navigation in August of the same year. Yongji Canal (Xinxiang to Beijing, 950 kilometers long) sent to Hebei million men and women, dug in the first month of that year, and was opened to navigation in a few months. Speaking of canal projects alone, the new canal is much larger than the Tongji Canal or the Yongji Canal, but it is definitely not twice as large. ”

Pang Ji's forehead, Yongji Canal because Youzhou is in the hands of the Khitan, gradually barren, and let the Yellow River impact again, become fragmented, unrecognizable, but the total length is no less than the new canal, the width and depth are similar, but the new canal has set up many sand storage ponds, artificial lakes, steep gates, and raised the embankment, as well as large and small irrigation canals, the total amount of work is at least larger than a single section of the Yongji Canal. It can be said that the amount of construction of the new canal is twice that of the Yongji Canal, which is impossible.

"It is impossible to calculate the size of the Grand Canal, and the river control project, including the Huai River, the canal, and the Yellow River, will not be smaller than its scale. I will only say that the new canal, which requires twice as many manpower, could have been completed in the last year, as was the case in the Sui Dynasty. But do I dare? ”

Pang Ji couldn't cry or laugh.

The speed of repairing the river in the Sui Dynasty is called fast, but it will be like the Song Dynasty, with two days off every half month, and meat to eat, and a good reward? Even the workshop and many tools were provided by the imperial court. Even the people of the distant state capital have to pay for the expenses on the way back and forth. Dream on.

It had to be so, the Sui Dynasty repaired the river quickly, but the people who dug the embankment worked for a long time without day and night, suffered from cold and starvation, and more than half of them died of disease. Who dares to learn? Zheng Lang dares to learn. Three million people have come, and next year only 1.5 million people will be left to go back.

Zheng Lang, don't repair the river, go back to Zhengzhou to hug your daughter-in-law, as for this river, let it become an unfinished project.

So to elaborate. It's clearer. Zheng Lang said again: "It should be regarded as the court to repay the people." However, my estimate is wrong and dereliction of duty. ”

But in the Song Dynasty, as long as it was a measure to lenienize the people, it was not a mistake, whether it was sincere or hypocritical. Benevolence was at least the main theme of the early Northern Song Dynasty.

Pang Ji also smiled. Ask: "You just tell me about your fruit." ”

"A few years ago, in order to open source, the bank was launched, but I didn't expect it to become a towering tree."

"You can say that, I'm old. Otherwise, I am eager to see what kind of benefits it will bring to the imperial court if it can really be popularized throughout the country. ”

Pang Ji couldn't see that day, Zheng Lang didn't mention it, and said: "The income of the imperial court is only a small part of this fruit, and there are many fruits. The first fruit made the people reluctant to kill the hen. ”

"What's the explanation?" Pang Ji was a little dizzy when he heard it.

"The people who borrow money are not only the merchants who want to turn over the funds, but also the people when they are in trouble. Now the banks are small and have not been opened to the people. Once it spreads to all states and counties, there will be more people saving money and more people taking out loans. If you can borrow, why borrow usury? One is 10 to 20 percent per annum, and the other is 60 to 300 percent per annum. However, if you want to borrow money from the bank, you must have a mortgage on your property. What property does the household below the fourth class have? Arable land, houses, livestock. The increase in tenant farmers is also a heavy burden on the peasants, and some officials treat the people harshly. So he simply brought the field into the main house or temple. Of course, the annexation of the main household and the temple was also a part. Some of them encountered difficulties and sold their farmland through usury and other reasons. But the merger is serious. It will definitely be an obstacle to the country. Give them a solution to their problems now. Only when you have land can you borrow, but if you have no land, you will not lend money. This field can not only be profitable. It can also be a borrowed hen, just in case, at least partially preventing the speed of the merger. ”

"Makes sense, but I can't pick it up now."

"It won't be long, but there will be a lot of fruit to be picked, the wealth of the people. Peace has been going on for a long time, and some of the lords and wealthy have amassed huge wealth. Some people turn it into money, silk, gold and silver and keep it at home, and even fear of being stolen, so they bury it in the ground, resulting in insufficient currency circulation. There are also some people who use usury to make profits, not necessarily everyone likes to make this black money, bears the infamy, and is worried that they will not be able to recover it. But where does the money go? Others use it to do business, even buy officials, and then buy land. Even if the return is very low, it is better than burying it in the ground. ”

A smile appeared on Pang Ji's face.

"With a bank, you can use it to save money and get some interest. In addition, the banks have expanded their shares on a large scale several times, and each time they have expanded their shares, they have often lost tens of millions of dollars, so that these wealth have a place to go in circulation, and some of them have been reduced by annexing farmland and lending usury. ”

"It seems to make sense, but what will happen when the bank will eventually fill up? Is there a good way to do knowledge? ”

Zheng Lang spread his hands and said: "Brother Alcohol, what other good way can I do, whether it is water conservancy or safety prison, whether it is land, there is something, I can dig it out." The banks are rich, the money is huge, the business is prosperous, and the funds are further utilized. It is difficult for a clever daughter-in-law to cook without rice, and only when there is rice can she make a cook, where can she cook without rice? ”

Pang Ji was happy and asked, "What is the best way to do that?" ”

"Or there are, how many families are there in the Song Dynasty now?"

This problem is really difficult, the household department has been roughly investigated during the Qingli period, and the number of households is close to 11 million, which must exceed the household department of the people of Tang Tianbao, but how much, the Tang Dynasty can't find out, and the Song Dynasty can't find out. The actual number of households will inevitably exceed this number. In recent years, the population has become more dense, and if we check again, it can be close to 13 million households, and the actual number of households may reach nearly 15 million.

"Brother Alcohol, if you want the bank to be full, it must be popularized throughout the country, and it will not be possible to achieve it without forty or fifty years of work, will there be 20 million households among the people at that time, or more? I'm afraid it's inevitable. More than 10 million households still have room for development, and if the number of households in the country reaches more than 20 million, where will they cultivate? ”

Definitely not a bad joke.

Pang Ji said: "If this is the case, it is not good." ”

"If the population reaches more than 20 million households, there will be countless problems and crises in our dynasty, and every time the crisis is not solved well, it will be a crisis, and if it is solved, it will be vitality."

"How to fix it?"

"Brother Alcohol, I haven't thought about it yet, and it's useless to say it." Zheng Lang avoided answering, and now he can't say it, trying to stir up controversy.

Pang Ji had already passed the age of curiosity, Zheng Lang didn't answer him or ask, in fact, he vaguely guessed what Zheng Lang had in his heart. Secretly laughing and laughing.

"The second is the bank's lending, which is conducive to small and medium-sized businessmen doing business, and when there are more small and medium-sized businessmen, the country can form a real benign interaction," Zheng Lang said. Another fruit. From the perspective of capital. Big capitalists appeared. It is not necessarily without benefits.

However, this should be placed in the larger framework of the Song Dynasty.

After all, it is still a feudal country, such as Fan Lou, if it is listed, its output value will exceed 10 million yuan. And even more. However, if the politics are not as clear as Zhao Zhenchao, and the Fan family has not found a strong backer, with a little move, it can change hands, and the cost will not exceed tens of thousands of dollars.

Officials and businessmen. Officials and businessmen, without the support of officials and magnates behind them, the so-called big capitalists are a joke.

Another example is Zhang Jun, who asked one of his subordinates to persuade him, so he took out 500,000 yuan and asked him to go to Nanyang and bring back 1 million yuan a year. There are also land properties, house properties, etc., and Zhang Jun's family's assets are at least more than two million. Zhang Jun is not a cow, Wanchunwei more than 100,000 acres of fertile land. It's just a small vegetable garden of Qin Hui's house.

That is, a deformed capital model.

For the time being, at least, it was not the number of big capitalists that would benefit the Song Dynasty, but the number of middle class people. The external situation also forced the Song Dynasty to need more middle-class consumption, after all, the economies of overseas countries were very small. If we want the country's economy to be good, we must also consume it internally, not rely on exports to improve the economy. For example, the Khitan, trading with them. Goods are very popular, but what did the Khitans exchange for. If you want money, you have no money, you have no things, the best is horses, and it is forbidden to sell them to the Song Dynasty.

Unless the Song Dynasty continues to maintain the momentum of benign development in the past ten years, and don't come out of Zhao Ji's demon son, it doesn't matter if it's a problem with Zhao Ji, and then the country will not die, coupled with an enlightened policy, the whole country will popularize religion, and the people will be civilized, and after two or three hundred years, it will reverse the concept of the people from the bottom up, and capitalism can really appear. Now it cannot be called a germ of capitalism, it is very similar, but it is a pseudo germ of capitalism, different in nature.

This idea can only be taken to heart and spoken, and no one can understand it.

"What's more," Pang asked. This is a real fruit, and he is the only one who has been seriously managing the country for all these years, and he has a profound understanding. But it has nothing to do with the money used to control the river.

"Yes, since the end of last year, I have felt that there will be a shortage of money, so I thought of a solution. Bank. The state can issue 50 million to 60 million bonds with an annual interest rate of 5 percent and repay them in five years, but all bond holders are registered at the time of repayment, and the bondholders will be given priority in the next bank share expansion. ”

Banks have many functions, securities, bonds, stocks, futures, insurance, trusts, funds, leases. A single bank can hold the entire capital market in custody with one hand.

But there is still a problem, the capital market is not standardized.

The banknote shop in the Song Dynasty was the securities market, which was a private transaction, Zheng Lang paid attention to it, the imperial court did not interfere, and Zheng Lang did not interfere. These advanced things, placed in the Song Dynasty, are not a big problem for the spontaneous formation of the people, but it is not necessarily a good thing to let the imperial court operate.

The same is true of this bond, which is secured by the bank's future deed shares, and if there is a five-year period, even if the bank pays dividends, it will be enough to repay.

Therefore, it will not be allowed to be imitated by latecomers.

Perhaps, like Lu Yijian, too conservative. But I'd rather be conservative, Zheng Lang doesn't want to make a big mess. For example, Jiaozi would rather have a higher cost than make people easy to counterfeit, and would rather make circulation difficult than flood distribution.

Because there have been countless bloody lessons for future generations, and each lesson has brought serious turmoil to the country.

The strong enemy in the north is lying down, and there is no capital turmoil.

Pang Ji's eyes lit up and said, "This is a good fruit." ”

Don't say that you will give interest, that is, if you don't pay interest, these tens of millions of bonds will also be snatched up. He sighed again: "Actually, it can be used to start a war." ”

"Brother alcohol, once there is a war, it won't be this money, and the risk will inevitably increase if there is more, which is not appropriate."

Pang Ji nodded, also relieved, there are another fifty or sixty million yuan, which is about enough to govern the river, and asked: "Xingzhi, how much money will be used this year?" ”

"I don't know, I estimate it will be close to 90 million yuan." Zheng Lang said weakly. The number of people has increased by half, and the cost will inevitably increase. But it's a bit of a weakness to put it mildly. Pang Ji's face turned gray again, and said, "So much money? ”

"Brother Alcohol, I asked you about business taxes just now. Although the money is used a lot, it is mostly used on the people. Or individual materials, how many people will these materials bring life, and how many commercial taxes will be generated? It's just that the imperial court doesn't collect taxes in a standardized manner, otherwise every time there is a great rule, a lot of commercial taxes will be increased and many people will be fed. Among the 3 million people, not to mention the 700,000 victims, at least 1.5 million people are from households below the fifth grade, and in the vast area of the four years of river work, the east of Chizhou Sanmen and the prefecture, the south of Cangzhou, and the north of the Yangtze River, I dare not say that all the sixth, seventh, eighth, and ninth class households have all disappeared, and more than half of the eight or ninth class households will be removed. And this time, it is equivalent to the northern half of the area to be dredged, from Huainan, to Liangjing, and then to the two rivers, many water conservancy has been re-dredged, and then there is a canal, as long as the Yellow River is not man-made in two hundred years, there will be no major disasters, how much help will it bring to the country? ”

Pang Ji's face finally calmed down.

In fact, the people were very satisfied, saying that this was the best dynasty in history, as Zheng Lang described, it was a dreamlike dynasty. After a moment of silence, he said: "So, Xingzhi, you must enter the middle book." ”

Once the foundation is laid, someone needs to run it.

Even if you stay for a year, what will you do in the future?

Sima Guang was a little gloomy on the side, Zheng Lang used practical examples several times to teach himself and Wang Anshi, and he didn't like that he and Wang Anshi were arguing too much, but in fact, Sima Guang was not unclear in his heart. This is the teacher who wants to push the two of them up to the phase and educate himself and Wang Anshi on how to be a good prime minister.

But think about the brocade rust in the teacher's heart, and all kinds of whimsical ideas, can he and Wang Anshi really do all the things of the teacher?

Thinking of this, my heart was at a loss.

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