In terms of economic talent, Zhang Ji is inferior to Zhang Fangping. But some of Wang Ju's practices, Zhang Qi has also heard about them along the way, and many people are excited about it, so they won't think about it so much, anyway, it is a policy to benefit the people, and these ordinary people will like it.

However, for the sake of these policies to benefit the people, the imperial court had to throw a lot of money down.

And with these two defeats, how much savings are left in the treasury?

It will cost a lot of money to allocate grain, grass and armor, and besides, there will be a 5 million yuan, and if 5 million yuan is not counted, these new border army salaries will incur a huge amount of expenses.

So Zhang Ji was a little worried.

Wang Ju said with a smile: "The imperial court widely pasted the cloth, exempted the remaining money, and took out four million yuan to subsidize the service money, Zhang An Daogong immediately came to the capital from Yingtianfu, first asked the bank department how much income a year, and then warned me to be careful about Qi business taxes." I thought it was to collect money from the commercial tax and use it to make up for the financial expenditures brought about by these liberal policies. In fact, even if my policies to benefit the people may reduce my fiscal revenue by more than 20 million new guan a year, but in fact, even if there is no banking department, if we remove Yunnan and Jiaozhi, our fiscal revenue will be close to 150 million a year. ”

Yunnan two roads and Jiaozhi Road really can't be calculated.

When he was on the Yunnan Road, Wang Ju proposed that the two roads should be within six or seven years, and the imperial court could not expect to collect money from these two roads, so as to quickly stabilize the hearts of the people of these two roads and integrate them into the Great Song Dynasty.

This stability does not mean that the tax is similar to that of the inland of the Song Dynasty, but there is no problem with this.

Jiaozhi Road was not only the migration initiated by Wang Ju, but also some poor people went south one after another, so the number of immigrants reached more than 60% of the total population. Either it is the Lang Son Ministries where the Golden Man is located. Because the early stage was in favor of the Song Dynasty. The Song Dynasty still gave them some rights. Continue to be bound, or Qiyuan Guangyuan Prefecture and other areas, most of them are also bound to the state, but some of them were also brutally changed by Wang Ju. All other regions can be formally administered and taxed. These people come from the hinterland, and as long as they do not impose additional taxes or increase excessive taxes in disguise, they are all acceptable.

As for Yunnan Road, there is no problem, think about how heavy the original Dali tax is.

But these taxes are not just for government spending. The rest is used to build the school road and water conservancy, so that these two roads can be developed quickly. However, in the three years that Zhang Qi lived, the finances were still very tight for the first two years or so, and the reason was that he kept using soldiers, and as long as he used them, he would incur staggering expenses. Therefore, Wang Jucai secretly subsidizes Zhang Kai with three or four million goods every year. By this year, the situation in the south has improved.

However, Wang Ju did not expect that a big war would start to break out in the south again, and it would stop next spring. After the autumn came another big battle......

This was unexpected, so Wang guessed. From next year, both roads will generate some financial surpluses, but this fiscal surplus, the imperial court will not let them hand it over, but hand it over to them to continue to develop. Therefore it is not included in the calculation.

Therefore, the financial revenue of the Song Dynasty still retains the original old income, the two taxes, the commercial tax, the five major taxes, various pit and mining workshops, official fields and other state-owned industries, as well as some harsh taxes and miscellaneous taxes, which together are about 120 million yuan.

Wang Anshi's green seedling money is gone, the city is gone, the money is gone, and even some house taxes, house rents, and cattle rents are gone, but others continue to exist, such as the two taxes, after Wang Anshi's Fangtian average tax law, it was originally more than 40 million, and now it has become more than 50 million, and the life has increased by 10 million. Even if the number of households decreases, at least the original amount of the two taxes can be maintained.

Another example is that there are millions of Shu tea, but Wang Ju did not move.

Although the exemption money has been reduced, there are still more than 4 million yuan. There are other initiatives, and there are also more than 10 million incomes, but Wang Ju also did not move, or moved slightly.

As for the hands of Wang Ju, the money is still there, and the income of the Kapok Division has basically not increased, but it also has millions of dollars of income a year, and now it has begun to rectify the coal industry. There is also the income brought by the voyage, which is directly the incense extracted by the city and the inner treasury, which is also the income of the state. Indirectly, it increases the commercial tax, and with the implementation of the Qi commercial tax, this hidden income will be even more. Therefore, after seven calculations, it can still be maintained at more than 150 million. It is this income that guarantees the expenditure of the Song Dynasty, and can also generate a surplus of nearly 20 million yuan a year.

"I'm really getting better financially." Zhang Qi said with emotion.

If it was originally a collection of money, now that these money-gathering projects have been removed one by one, this surplus can still be maintained, and the financial situation has really improved.

"So I don't support Jiefu Gong, but I don't oppose it, if there is no foundation laid by Jiefu Gong, these two fiascos, the country will have a poor life, and now not only the national economy is not embarrassed because of these two fiascos, but there are still many surpluses in the treasury. And it's the foundation he laid that I was able to adjust behind him. However, it is definitely not enough to want the country and the people's security, such as the Baojia Law and the Baoma Law, if you want them to become good laws, not laws that harm the people, you also have to take out a lot of money and subsidies, some transfers and other harsh taxes and miscellaneous taxes, which must also be banned one by one. ”

"If that happens, the country will be truly rich and strong."

"That's not necessarily, as long as the annexation exists, the gap between the rich and the poor will get bigger and bigger, even if the state does not levy any taxes, there will still be many poor households in the Great Song Dynasty in the future, it can only be said that it has little to do with the country, but is caused by these powerful and greedy."

Zhang Qi could not express any opinion on this issue.

"That's part of the future spending, and if you want to cut the summer, these surpluses alone are definitely not enough."

"This is also true, that is, to destroy the Western Xia, it does not mean that there is no war, suppress the rebellion, and at the same time, maybe the Liao State will still make a move, even if the Liao State does not make a move, then a series of defense systems must be arranged in Hetao and Yinshan, which will cost a lot of money."

"That's exactly the case, so that's why the Department of Business Tax and Banking is very important at this time."

"But if the banking department wants to make profits, I'm afraid it will be until the end of next year." Zhang Qi said worriedly, the end of next year will also be good, but the support that Wang Ju said includes the five million. It will be allocated one after another now. Even if there is a surplus in the treasury. And how much surplus can there be.

"Brother hostage. Then you are wrong, the profit score of the banking department is divided into two parts, one is the operation, of course, it is the most important part, and the other is the issuance of silk delivery. ”

"Yes, the other side has brought back a lot of gold and silver."

"Hahaha," Wang Juju laughed, and this question puzzled Lao Wang: "That gold and silver can't be counted." It is only used as a guarantee for the credibility of silk and to regulate the market price of gold and silver, although it may incur a small cashing fee, but it is not the main one. If the market price is too low, it is necessary to find a way to stock up the price of gold and silver, and if the market price is too high, a part of the gold and silver will be released to suppress the price of gold and silver. But the amount of gold and silver in the principal cannot be changed dramatically, if some merchant turns them into gold and silver. Then the banking department will pay the silk and hand it over to the imperial court, and the imperial court will find a way to replenish the gold and silver. Keep the ratio of gold and silver to silk between one to one or seven to ten, but not less than seven to ten, otherwise it will be dangerous. Therefore, they have always been placed in the banking department, and cannot be regarded as real money, and the real currency is still silk payment. ”

"Then won't the court lose money?"

"There is no loss, it is still in the banking department, if it is placed in the treasury, it will be guarded."

"I see, it's like a thing that is saved forever, and it doesn't increase, it doesn't decrease. But with it, there is silk delivery, and the court can make a profit. ”

"The front is right, but the back is not right, don't look at the current bank department to hand over a large amount of silk to the three departments to pay salaries, that should also be included in the account books, otherwise those businessmen who have invested in the shares will be happy?" Wang Ju gave a detailed explanation.

The cost of silk delivery is the cost of silk material, and it is also the largest cost.

The second is labor costs.

Before the opening of the banking department, it took a long time to prepare for color mixing and molding, which is not a seal with a silk pattern, so it will not take so long to concoct.

A total of 200 sets have been prepared, what is a set, a set is divided into 20 molds on both sides, and each mold can be printed and dyed 200 pieces at a time. The silk bottom is woven, it is also a horse, with the length as the width, and the width becomes the length, and the degree of a horse is two hundred times the width of the silk. Then layer printing and dyeing, vermilion is vermilion mold, green is green mold, and so on, even the time between layered printing and dyeing should be exquisite.

Of course, this is also the most important part, after printing and dyeing, the code name of this Jiao is stamped on it, and a Jiaozi will come out.

This important part was done in the workshop behind the banking division.

It seems cumbersome, but in fact, this part of the manpower is not used much, and there is a larger workshop, which is in the military camp on the west side of the imperial city.

This part is divided into three parts, one is specially cast gold and silver wire, one is the manufacturing of the bottom, that is, the silk is woven into a thick silk cloth, and the other is the edge, after the bottom is woven, sent to the bank workshop, printed and dyed and then sent back to the edge, that is, after they are cut, and then the raw edge is twisted with needle and thread.

What to do, the backward craft era can only be like this.

At its peak, the bank's workshop employed more than 3,000 weaver craftsmen, who worked overtime in two shifts. But there were even more on the other side of the barracks, which at its peak had recruited 110,000 women. Why are there so many, or why are they placed on the side of the barracks, doesn't it invisibly increase the cost?

This is also for a reason, the southeast corner of the capital is mostly a storage area, with the economic prosperity of the Song Dynasty, these storage areas are gradually tightened, and there is really no more empty space.

It was necessary to find a larger place to use as a workshop site, and there was no insurance in other places, only military camps.

And there is another thing, although the combat effectiveness of the forbidden soldiers in the capital is getting worse and worse, and the imperial court spends a lot of money every year to support them, but their actual life is not satisfactory, although they have an income of forty or fifty yuan a year, but the price of goods in the capital is expensive, and everything has to be bought with money, so some sergeants' families can't survive, so let their wives go out to be military prostitutes. In particular, there are some families of martyrs in the middle, and how much the court can pay for them, these people's lives are really difficult.

The workshop was placed in the barracks, and the wives of these sergeants were allowed to work, which amounted to an additional subsidy.

However, the number of forbidden troops in the capital is very large, so I have to hire a large area and divide it into four shifts, and everyone will get some rain and dew. However, this has led to an increase in Article III expenditures......

Just to pay the salaries of these craftsmen and weavers, the imperial court had to spend nearly 150,000 yuan a month.

Eighty percent of the manpower on the barracks side of the barracks was spent on this side.

"How much labor is needed?"

"Brother Qianfu, at the peak of the banking department, nearly 500,000 guanjiao were printed and dyed, reaching more than 10 million. Think about it. How much labor will be used? This is the use of a lot of new machinery. As well as the cost savings of large-scale production, as well as the assembly line production method, otherwise the labor cost will increase fivefold! Brother Qianfu, or if you think about how much silk is for a ropa, it is far less beautifully patterned than silk, and it uses less silk material. Why, these costs are saved bit by bit. Wang Ju said smugly.

If it weren't for the fact that these new machinery saved a lot of manpower, at least the silk delivery of ten cents of printing and dyeing would inevitably be a loss. Even twenty silk exchanges may not be profitable.

"No wonder the Yingzong Jiao on the market is worth fifteen yuan."

"This is also temporary, as the number of silk deliveries increases, the price will fall one by one."

In addition to these two expenditures, there is also the third item, defective products, once there are defective products, this Jiaozi is useless, especially when printing and dyeing, because it is divided into twenty layers of printing and dyeing. As long as there is a problem in one link, all 200 Jiaozi will be scrapped. If it's a British sect friend. It's a little better, if it's Taizu's hand, it's called flesh pain.

And some of the families of these soldiers are skillful, and some are very clumsy, if it is a folk weaver girl, it is enough to be dismissed clumsy, but what about these family members? It is not a hire, but a disguised pension, which is not easy to choose, so the skill is uneven, resulting in the emergence of a large number of defective Jiaozi.

A strict reward and punishment system has also been formulated, but people are so stupid, what? Of course, I couldn't bear it anymore and had to be dismissed.

Then Zhang Shangying looked at these scrapped Jiaozi in a daze, they were not the original Jiaozi, they were scrapped, but they were all money, so he came up with a bad idea, according to the size and defective situation of the Jiaozi, another seal was stamped, and it was used as one penny to ten cents.

But let Wang Ju veto, the court will treat him solemnly, the people will treat him solemnly, the court will treat him lightly, and the people will treat him lightly. However, there were many things during this time, and Wang Ju did not dare to let Zhang Shangying destroy it, and continued to put it in the treasury of the banking department together.

Zhang Shangying asked another question, what if these Jiaozi are damaged in the process of circulation?

Wang Ju replied that he intended to damage it, and he recognized the loss. If it is damaged because of a long time, with this thick jiaozi, you get that year, and by that time, the Song Dynasty is still gone......?

In addition, there is the cost of pigments, some colors are also very expensive, and finally the cost of machinery.

In addition, the cost of each treasury and the administrative treasury, and the remuneration of the officials of each bank, but that can only be counted in the operation of the banking department, and has nothing to do with the issuance of Jiaozi.

It stands to reason that the cost will be higher in the first year, why, the workers are not familiar, the slow speed increases the labor cost, and some people are clumsy, increasing the defective products, but this year there was an accident.

The source of silk is five regions.

On the contrary, when Wang Ju was in Guangnan, he deliberately taught many barbarians and Han people to plant mulberry trees on the hills and promote sericulture. The first is that there are many hilly terrains on Quang Nam West Road, and no matter how high the income of cotton is, can it be carried to the hills? There is no production after loading! Secondly, because the planting area of cotton is increasing, its price will also fall sharply. Third, at that time, the scale of navigation on the other side was already very large, and silk silk could be transported to Guangzhou along the various tributaries of Yushui, and brought overseas by the fleet for sale.

The mulberry tree can be officially harvested after three years, and now it has been harvested, and many people still deliberately call it Shaobaosang, to commemorate Wang Ju's merits.

However, it is too far away from the capital, and the local reputable businessmen do not know very well what this bank is, not only let them buy silk materials, but also let them pay gold and silver, so they are not very happy, and the merchants from other places are not familiar with the local situation, so the purchase of silk materials in this area is not ideal.

And then to Shu silk, Shu silk also missed the season, more woven into cloth to pay taxes, yes, there are many finished fabrics shipped from Jinghu South Road.

However, the other three silk materials are slightly better, although the silk and rubber silk are more out of season, which is close to the capital, and the amount is not large.

Faced with this situation, Wang Ju finally made modifications, Taizu Jiao and Taizong Jiao are 16 million guan each, Zhenzong Jiao is 500,000 guan, Renzong Jiao is 800,000 guan, and Yingzong Jiao is 500,000 guan. There may be final changes to this amount, but that's about it.

Focusing on large exchanges, there will undoubtedly be a lot of profits, although this year's bumps and bumps, just the issuance of these 50 million crossovers, can make a profit of more than 15 million.

By next year, the number of issuances will reach 150 million, and the profit may reach nearly 40 million, that is, the private dividends will be taken, and the imperial court will make a profit of more than 30 million.

Therefore, the king scattered money on the ground, and it would not bring a serious overdraft to the finances of the imperial court.

It's just that Zhang Fangping even refused Wang Ju's kindness, so Wang Ju wouldn't tell Zhang Fangping the inside story.

However, it can't be said that Wang Ju made these Jiaozi money, is there no interest on those gold and silver? In other words, if the silk is made by private individuals, the cost may be much higher than the face value.

With this invisible income, Wang Ju took out 10 million yuan to prepare for the Jingyuan Road, can there be any problems? But there is really a problem, because the south is already firing......

Now Wang Ju didn't know about it, so he said: "As for the battle the year after tomorrow, the banking department has been officially put into operation in the year after tomorrow, and the commercial tax will surge, so why worry about financial problems?" ”

"Then there will be no problem...... But the profits of this silk exchange should also be distributed to those private businessmen? ”

"The imperial court said that 100 million taels of silver was the principal, of which 20 million taels of gold and silver were raised by private individuals, but in fact, even after six years, the imperial court may not be able to make up the equivalent of 80 million taels of silver in gold and silver, unless there is a miracle on the other side, but the merchants on the other side really don't care about the lives of the people on the other side? Moreover, some gold and silver will be allocated to suppress the hoarding merchants. Therefore, six years later, the people on the other side and the court can make up the equivalent of seven thousand taels of silver in gold and silver, and they will be considered to have successfully completed the task. The court came out less, and it came out slowly. Private people come out a lot, and they come out quickly. Although it is said that private individuals are taking advantage of the imperial court, at least the power and credibility of the imperial court and the operation of the state apparatus are an invisible huge cost, but if they are not fair, they are not happy. ”

Wang Ju didn't say a word, these businessmen are not real businessmen, many of them are powerful people, and even many powerful people don't send agents, they just come forward themselves, and they also find Wang Ju to ask for details, and they are unfair, are they convinced? Not to mention the role of pulling over differentiation.

Therefore, the banking department printed the Jiaozi, and in addition to the cost of silk materials, labor costs, and other costs, the rest was transferred to the third department and paid salaries. But this account has to be made, it should be earned by the banking department, and it must be calculated clearly, the income earned by the banking department is controlled by the three divisions, and the part of the dividends that belongs to the individual must be kept for dividends.

"Willing, there is giving, although the businessmen take away part of the profits, but there are these businessmen, and there are no these businessmen, that is different. Just like the current silk distribution, in the future, as the craftsman and weaver girl become more and more skilled, the cost will be lower and lower. It's just me and Zhang Tianjue supervising the implementation, if it weren't for us, then maybe it would have evolved into something. ”

"But Brother Qianfu, don't worry about this, in fact, Xixia is not terrible, as long as the king is here, I am here, the court is not so restrictive, and Xixia will be pacified sooner or later. It's still the internal ...... that's scary Luoyang. (To be continued.) )