He Tan was still unconvinced and asked: "Could it be that only Fang Ping is talented in the world?" ”

Zheng Lang finally heard it, He Tan's impeachment of the imperial court and punishment of Zhang Fangping was too light, not only the strategy of encircling Wei to save Zhao, Zhang Fang's parallel affairs were isolated, and he did not make any popularity in Yushitai, and his gentle way of admonishing also made He Tan dislike. Therefore, He Tan bit Zhang Fangping and didn't let go.

In this case, today we will simply solve the problem together. Said: "There are many talents in the world, but each has its own strengths, He Yushi, you can see who is the all-round talent?" From admonition to military, water conservancy, agriculture, industry and commerce, taxation, monopoly, management, law, and theft? What I just said is only an outline, and the 17 state capitals selected are all the most commercially developed regions in the country, with fast capital turnover, large liquidity, and an oversupply of funds. However, as long as it is slightly promoted, there will be a phenomenon that some places will slow down the transfer of funds, and the deposit is greater than the loan, and in some places, the capital turnover is fast, and the loan is greater than the deposit. It is inevitable that there will be a national adjustment, but how to adjust it? Why is the interest rate of deposits fluctuating, time deposits, banks can clearly use their funds to lend. However, more than half of it will be deposited on demand, and the money will have to be repaid with interest, and it is a pity that it is not used or used less, and the people will come to withdraw the money, but the banks will not have the money to disburse, which will affect its prestige. If the prestige is lost, who will make the deposit? This is only a state, now the farthest is Guangzhou, there are avenues and the capital to and fro, after the promotion there will be farther places, the road is inconvenient, even if the fast horse access, back and forth has more than a month, as the main official, must be adjusted in time. How difficult will it be to deal with a delay of more than a month? He Yushi, it's new, who do you think can handle these affairs competently? Moreover, its goal is to make money, once it is implemented, there must be some debts that cannot be repaid, and if it is confiscated, it will sell its collateral assets, which will produce many bad things, how to face it? That's what I'm talking about. This is only part of the program, and there are many more details, such as the floating movement of interest rates, the risks of investment, and monetary policy. The transmission mechanism of money, broad money, narrow money, base money, money circulation velocity, monetary hierarchy, currency. Currency multiplier, rediscounting, reserve for deposits, excess reserves, statutory reserves, reserves, cash operations, transfer operations. Exchange business, entrusted collection, loan issuance. Loan collections, loan extensions, bills of exchange, interest collections, collections, etc. He Yushi, do you understand? ”

Zheng Lang doesn't know much either, he knows a little bit about it, at least better than anyone here.

He Tan let this string of terms stammer.

"He Yushi, the ancestral family law, expand the ministers. In the time of the Heavenly Sage, the Imperial Court was added to supervise the civil and military officials, and allowed them to hear about the ministers. It is also best to seek truth from facts and take into account the overall situation. The damage to water and soil is serious, not only this year, if it is not treated. Or if it is not properly managed, as soon as there is more rain in the future, there will be something wrong with the Yellow River, which has nothing to do with Your Majesty and has nothing to do with the ministers, and this is our descendants to pay for the excessive cultivation and grazing of our predecessors. Jun said that the execution was improper, causing natural disasters. But the king asked himself, since His Majesty ascended the throne, how many times have the two governments been more capable of governing than the ministers of the two governments today? The embankment burst in front, and the next day's supplies, rescue personnel, and disaster relief strategies were all implemented one by one. However, you said that the two governments made mistakes, especially the deacons and me, and the deacons used the wrong number of people, and how many talents should be used and allocated in a year as the deacon, it is arbitrary, no matter how hard I try, I am too old and not qualified. But I ask you, if you remove the ministers of the two provinces together, the king will be famous all over the world, but who do you think can do better than the current two government governors? ”

“……”

He Tan was speechless, but Zhao Zhen appreciated it.

Now in the two mansions, Zheng Lang's talent, Song Zhen's loyalty, and Chen Zhizhong's lonely fang's self-appreciation and non-friendship, all let him admire.

In fact, these two mansions were the best in Zhao Zhen's generation, and the eastern mansion had Zheng Lang, Pang Ji and Wen Yanbo, and Chen Zhizhong was slightly worse, and he was much better than other ministers. Xifu is slightly inferior, and Wang Yaochen, for the length of the military, Wang Yaochen is no less than Han Fan, may still be above Pang, and the age is reasonable, several people are in their thirties, forty years old, and the elders are only in their fifties, which is the time when people are mature in wisdom and vigorous in their lives. …,

The three divisions and the officials of the two systems are also quite well allocated, Ye Qingchen, Ding Du, Zeng Gongliang, etc., are all a generation of famous ministers.

This is a set of practical teams.

He Tan picked on the thorns, it was a little too much.

"He Yushi, it is a new thing, a new policy, a new law, and it involves more business methods, I can boldly say that there are only two people who understand, one is me, and the other is Zhang Fangping. We are not the most proficient ministers in the world, but we have created this law, discussed it, perfected it, and are most familiar with it, and the situation will not change for at least five years. After five years, the operation is normal, and there are more people who understand, and a replacement can be found. Don't use Zhang Fangping, do you use me? He Yushi is not afraid of exhausting me to death? ”

Some ministers snickered.

"Zheng Xianggong said that something bad will happen, can you say it clearly?" He Tan still refuses to give up.

However, Zheng Lang likes it, and today he simply said some problems that may occur, saving himself from being verbose in the future, and said: "I will point out its nature in the first sentence, and everything must have advantages and disadvantages for the sake of making money for the imperial court." First, there are not many people who understand, and second, the institutions are huge, and there will be mixed results, and when issuing loans, there will be some mistakes in the screening objects, and there will also be mistakes in the way of collection, and there will be people who go bankrupt and commit suicide by hanging beams. But compared to usury, it will lead to more people going bankrupt and committing suicide, and there will be some bad things, but this kind of light interest will give more life opportunities. If we only focus on the words of a very small number of people who commit suicide, even if it is spread to the whole country, the profits will definitely exceed all the current finances of the state, and even more than the income of the two taxes, but they will be impeached by the ministers. Think about it, one two taxes, because the officials can't enforce the law, how many people are displaced and their families are ruined? ”

It is inevitable, and once it is executed, it will appear.

It can be as high as 60 to 300 percent of the interest of the Song Dynasty, or the interest rolling, I don't know how many times better. However, to be clear, some ministers do not care about what they say.

Pang Ji asked keenly: "Xingzhi, the only person you understand is Fang Ping, what should the state capitals do?" ”

"Mellow, once implemented, the various stewards must be properly distributed, the imperial court needs to set up a supervisor, the chief and deputy envoys and several inspection envoys, and the officials, as for the following officials and the main account documents can be provided by the deed shares. This is the overall situation. As for the localities, the heads and deputy directors of the state capitals must be presided over by the court officials and take charge of the overall situation. As for the clerks and servants, they are provided by the deed shares, and those below the county level. then it will be handed over to each deed share. First, the cost of using officials in the imperial court is too great," Zheng Lang said with a sigh, extending it to the whole country, and all state officials were used. How many officials? This number must be kept to three digits, not four or five digits. He continued: "The officials of the imperial court are in charge of the overall situation, and the personnel below must be flexible, such as the collection of loans just mentioned, and furthermore, the main way of income for its operation is to use the people's deposits to lend money and earn the interest difference. Employees had to be flexible enough to encourage people to deposit their money in the bank, so that the bank would have enough principal to lend money. It is inevitable that the court officials will deal with it, so they must use the personnel and accounts provided by the private deed to preside over it, and they don't understand the overall situation, but the details of the management skills, they are still above the officials. The third is to reassure the shareholders of the deed and make the income public. There will be no worries about the embezzlement of the imperial court. There are court officials above to supervise, and these officials dare not do anything wrong. As for the ministers, it doesn't matter. Even if the seventeen state capitals sell the Ping An Supervision Deed Shares and Bank Deed Shares, the principal is in place, and the Jiaozi is successfully printed, the preparation time alone will be at least more than half a year, and during this time, Zhang Fangping can guide these officials, and I might as well occasionally spare time to guide one or two. At the time of its establishment, these officials will be competent. ”…,

"What is this equivalent position?"

"It is equivalent to the deputy envoy of the third division," Zheng Lang looked at the ministers again. Zhang Fangping was the former Zhongcheng of the Imperial History, the third envoy, and the emperor asked him to be a bachelor of the intellectual system and prepare for key training, but now he is only a position of deputy envoy of the third division, which is equivalent to demotion. You're satisfied this time.

"Belong to the Inner Treasury, or to the Third Division?"

"Once it is operational, the funds are huge, which is rare since ancient times, and it is not suitable to belong to the inner treasury. Even if it is attributed to the third division, it is not very suitable. It must be placed under the management of the Zhongshu Province, and it just so happens that I am also in the Zhongshu, so I can take the time to cooperate and gradually improve it. ”

Zhao Zhen suddenly said: "Actually, it's better not to show up loan sharks. ”

This is the most interesting scene of the Song Dynasty.

As the emperor himself, he hopes that the world's finances will be owned by the state, and all the people will have no worries about food and clothing, so the country will be safe. However, as ministers, most of them are representatives of the powerful, and they often ignore the country and desperately protect the interests of the powerful. Therefore, after Xining's reform, two parties were created, Wang Anshi defended the interests of the emperor and the country, and Sima Guang defended the interests of the powerful.

The truth is that these magnates are usurping the interests of the country while maintaining the rule of the emperor. You can't go too far with the powerful, but you can't be too indulgent.

It's the golden mean again!

Zhao Zhen was slightly conniving, and Zhao Zhen was a little tighter, but they didn't grasp the law well.

But as the emperor himself, as long as he is wise, he doesn't want the magnates to go too far. What is excessive, wantonly annexing hidden fields, evading taxes, seizing national resources, and the most disgusting thing is usury, which is too ruthless. Not to mention the calculation method of 300% ultra-high interest and the perverted calculation of rolling interest, that is, if you get 60% interest, how many people can afford it?

Zheng Lang replied: "Your Majesty, it is unlikely, even if the bank is established, most of the staff below will not give it to those below the fourth class in order to make profits, they want to take out loans, or go to usury, some unscrupulous children can't borrow money even if they are very much, they still go to usury, the funds are not enough, they are anxious to use the funds, and they will look for usury." It can't be eradicated. However, if they are forced to distribute to poor families, there will be a large number of bad debts and dead debts, and serious losses. The same is true for the Seedlings Grain Loan, how many small officials have lent grain to the people in emergency? But the ministers did not dare to compel them to lend grain. Once compulsed, or used as a performance appraisal, it will still not be loaned to poor households, but forcibly apportioned to third- and fourth-class households, causing people to harass. ”

"You can come to the capital to hear the drum court to complain," Gao Rune said.

"Gao Xianggong, it's impossible, if everyone can come to Wenguyuan to complain, there will be no Zhang Hai who is forced to be a thief," Zheng Lang shook his head and said, later Wang Anshi made a serious mistake in this matter, and also found the heaviest attack handle for the Conservative Party, Zheng Lang didn't want to repeat the same mistakes, but the nature of Qingmiao Grain is different from that of banks, Qingmiao Grain is aimed at poor people, so it is difficult to make a profit, and the bank is mostly aimed at businessmen, so it can make a profit, and said: "Qingmiao Grain is not mentioned, since the establishment of the imperial court, how much good governance has been implemented, How about getting down there? How many people came to Wengu Courtyard to complain because of this? The bank is different, it was established to make profits at the beginning, and it can help the poor people as much as possible, and if you can't help you, you don't have to force it. so as not to have bad consequences. If you want to save the people, there are only two real ways, the state will reduce the two taxes and reduce the people's taxes. Only by controlling the mergers of large households, and mixing them with some other benevolent policies, can the poor people get a chance of life. ”

Speaking of this, he said to Zhao Zhen again: "The minister still has a request, once the bank is established, the biggest worry is the currency problem, so the minister implores His Majesty to issue an edict." Let all the copper obtained by the Ping'an Prison be used to mint coins, and at least part of the coins obtained by the imperial court, so that the amount of coinage can be increased to more than fifteen million yuan a year, and the national currency will be more sufficient for five consecutive years. ”…,

It can only be said that it is better, even if it is implemented for five years, it will only increase the amount of money by 3,000 yuan, and the actual increase will be 300 million yuan. Nor could it satisfy the needs of the Song Dynasty's currency. Currency is still a problem, and banks are still partially enforced for a long time and cannot be rolled out to the whole country. Unless it lasts for a hundred years at the rate of fifteen million coins a year. Approximately to meet the needs of the Song Dynasty currency, that is impossible. can only start from other aspects, the prestige of Jiaozi, the speed of gold and silver flowing into the Song Dynasty, both are in good condition, and it will take at least fifty years to achieve results, at that time, Zheng Lang can still live in the world?

But there is no need to hurry, Zheng Lang's way of governing the country is the way of timely improvement and adjustment, and the good governance of ten years ago. In 10 years, it may develop into a maladministration, and timely adjustment is needed so that the country can develop healthily, not only financially, civilly, but also militarily.

Continue to deliberate. In fact, it was the ministers who were asking, Zheng Lang replied.

At noon, Zhao Zhen was excited, the country's difficulties were one money and two grains, it seemed that the money was solved, a big stone fell in his heart, and he left the ministers to lunch in the emperor.

The ministers followed Zhao Zhen to the banquet hall, the meal was not served, and they had to wait for a while, some were watching the fish and flowers, some were chatting, the palace maids were making tea, going back and forth, and some of the ministers were old and had to be taken care of.

Zheng Lang came outside and watched the fish swim in the pool, and Zhao Zhen walked over. Zheng Lang saluted, Zhao Zhen waved his hand and said, "No need." ”

Then he looked at Zheng Lang, just smiled, and asked, "How about I transfer Fubi to Beijing again?" ”

No matter what Zheng Lang said, Zhao Zhen knew that Zheng Lang was selfish. Maybe Zhang Fangping is really good at management, but he still uses familiar people and close people, Zhao Zhen himself is also using this way to employ people, this selfishness is for the country, Zhao Zhen is not strange. Fu Bi and Zheng Lang have a good personal relationship, there is a counterinsurgency in the past, this time Hebei flood, the disaster of the people is quite a lot, some counties are seriously affected, the whole county is a vast ocean, resulting in the court can not be settled one by one in time, some people fled to the nearby Qingzhou, or other state capitals. Only Fu Bi is the best at settling the victims, and he is more qualified to transfer him back to the capital, so he has this question.

"The minister thinks it is very proper, now the two provinces are full of talents in the east and west, and there is a slight lack of talents in the west, Song Zhen is loyal and inflexible, Wang Yiyong is too quiet, Gao Ruo is outspoken and outspoken, and he is not good at the military, and only Wang Yaochen can be reused. If Fu Bi enters the West Mansion, it will make up for the lack of the West Mansion. Zheng Lang replied generously. It's selfish, but this selfishness can be put on the table, I am not for my personal rights, but for the country, why not?

"Where's Cai Xiang?"

"Cai Xiang can let him know Quanzhou."

"Why?" Zhao Zhen was puzzled, at this time, Cai Xiang was the transfer envoy of Fujian Road, and he served as the governor of Quanzhou, so he did not rise but fell.

There is a Luoyang River in the eastern suburbs of Quanzhou City, the river surface is five miles wide at the downstream out of the sea, the ferry is called Wan'an Ferry, every wind and tide are handed over, several days can not be crossed, the sinking boat is drowned, the dead are not counted. Cai Xiang can know Quanzhou, add the official to make up for his deposition, build a bridge here, go to the boat, and give benefits to the people. "Cai Xiang has been an official in Fujian all his life, there are many good governance, Luoyang Bridge is the greatest good governance, not only need to be proficient in the study of construction, but also understand the nature of the tide, as long as Cai Xiang will build this bridge successfully, there will be merit, with merit, he can be transferred back to the capital, to hold an important position.

Zhao Zhen paced a few steps, not knowing whether it was accurate or not, and asked again: "What about Wang Su?" ”

"Wang Su is upright, and his admonition is not too intense, and he can let him know the court after the envoy returns." Zheng Lang said. There is no way, you have to let some Yanchen be biased towards yourself in order to do things, otherwise if you go on like this, you will be very uncomfortable to pick bones in one egg after another.

Zhao Zhen walked a few more steps, lowered his voice and asked, "Zheng Qing, have you seen that Wu Yi?" ”

Zheng Lang looked at Zhao Zhen in amazement.

Zhao Zhen said humbly: "I am just curious. ”

I don't know if it's true or not, Zheng Lang replied: "Extremely bright." ”

Without saying anything, Zheng Lang added: "The appearance is also out of the minister's accident, beautiful and moving, and there is a sassy and heroic air of a Western Xia woman." ”

There may not be many sassy and heroic appearances, and her daughter's appearance is not demonic or charming, just beautiful, and she has the breath of a Western Xia woman, but it is definitely not Zhao Zhen's dish. Zhao Zhen likes the small jasper, but Xiao Guanyin's type is in line with Zhao Zhen's appetite.

When Zhao Zhen heard this, he immediately lost interest, could it be that a sassy and heroic Cao family in the inner palace had already made him fed up. (To be continued.) If you like this work, you are welcome to vote for recommendation and monthly passes, and your support is my biggest motivation. )