"Zi'an has a clever plan in hand, and the overall situation can be determined," Wang Qi said.

"Why did the prince say that?"

"The Fei Qian Division just came to report that many people went to the Fei Qian Division to exchange Fei Qian and planned to leave the capital and buy silk materials."

Not only Wang Ju paid attention, but Lao Wang also paid attention.

And the more Lao Wang reminisces, the more he feels that Wang Ju's arrangement is extremely proper, let's just say that this five-way silk material, Wang Ju cut the silk material of the Song Dynasty into five large regions, Guang silk, Zhejiang silk, Shu silk, rubber silk, Shuo silk. This makes it easier for merchants to acquire as quickly as possible. It may be that Zhejiang silk, Shu silk and Guangzhou silk came a little later, but the so-called rubber silk is not only the Shandong Peninsula, it includes the silk materials in the east of the capital, the north of the Yellow River, and the south of the Huai River.

All the local government can do is cooperate, such as providing relevant money and silk as quickly as possible, or providing convenient transportation conditions to maintain its safety, but it must not interfere with the merchant's purchase, if the merchant's bid is low and the people are unwilling to sell, the merchant must not forcibly buy. Of course, if you ignore the local acquisition, it is not a harm to the people, but a benefit to the people. After the facts became a sensation, some businessmen really paid high prices, which caused them to have some small losses.

And the large-scale purchase of silk materials for two consecutive years has made the price of silk rise slightly, and even improved the unpopular situation of silk silk in a few years. This one doesn't do much harm.

"Prince, it's still early, think about the reaction of those loan sharks." Wang Ju said.

What kind of changes will be brought about by the emergence of the banking department, please look at the Qing Dynasty.

The so-called Kangxi prosperity of the Qing Dynasty was not as good as later generations imagined, and the people's lives were far from being as good as the Ming Dynasty.

Moreover, later generations often neglected the economic prosperity of the late Qing Dynasty, which was due to two reasons, one is the change in productivity brought about by scientific and technological progress. The second is to underestimate the role of the Jin merchant ticket number in promoting the economy of the Qing Dynasty 33 years ago.

But no matter how prosperous the economy was, it was not enough for Cixi to spoil it, and just one Treaty of Shimonoseki would compensate the Japanese with hundreds of millions of taels of silver.

Think about it now, Wang Ju has spent the strength of the Nine Dragons and the Two Tigers, as well as the cooperation of the Song Dynasty. In addition, they also want to collect a large amount of gold and silver from their private hands, and in the next six years, they may not be able to collect 100 million taels of silver, let alone 231.5 million taels of silver!

Of course, compared with the current banking department, the ticket number of Jinshang is narrow-minded, has no overall view, and has limited capital because it is operated by private individuals or small collectives.

But it can't be said that it doesn't have merit.

Because it is privately or in small collective operations. Therefore, it is more flexible, and the operation is more careful, and there will be no serious greed for ink.

Although Wang Ju gave up 20% of the deed shares to private individuals, allowing them to participate in the operation and supervision, it will allow the banking department to be a little more flexible in the future, and corruption will be reduced somewhat, but overall. Even if it is private, it is still a large collective.

But as soon as it appears. It will have a huge role in promoting the economy of the Song Dynasty.

But it is always difficult at the beginning of a thing, first of all, if you pay taxes, you will be rejected by many people.

There is also the opposition of usury merchants, and in the future, this is a loan of more than 200 million guanzi, and even copper coins, cloth, and grain can be allocated for lending. At the very least, it will hurt the interests of more than sixty percent of the loan sharks.

However, there were countless usury merchants in the Song Dynasty, not only in the cities, but also in the rural areas, where there were also many main households who were lending usury for profit. Maybe some of the relatives of the old Wang family are lending usury!

But this article has not yet been fully recognized by the people.

The most important prerequisite is that all the people agree.

How to recognize. You'll see it right away.

Especially the capital, it is the largest distribution center of commercial goods in the Song Dynasty, imported from the southeast, exported from the north and northwest, if it is the original, some southeast merchants bring some commercial goods back, but how much can they bring. The rest had no choice but to bring the money back, the money was the best, but the silk was brought back...... The southeast is also an important production area of silk silk. Then the profit will be reduced. Or Jiaozi, everyone really has little confidence in the original Jiaozi.

Therefore, the imperial court sometimes had no choice but to use tea to introduce salt banknotes instead of currency, and then the original "stocks" appeared in the capital, and everyone fried tea and salt banknotes.

In fact, these merchants hate cloth, but the court needs cloth.

Look at the salaries of officials, in the soldiers' salaries, in addition to copper coins, the rest is grain, that is, silk.

However, due to the lack of currency, this problem has not been well solved.

However, when the new goods were handed over, it was the peak period for goods from the southeast to be transported to the capital.

Then the merchant can be encouraged to use the cloth to go to the bank in exchange for a new payment.

Or the imperial court used the new hand to purchase from the merchants.

These merchants recognize, then you can arrange the second step, the merchants will buy the silk materials, the banking department does not pay the relevant money, but directly pay the silk payment, then these merchants will quickly spread the silk to all parts of the country.

If the people continue to recognize, directly let the businessmen take these easy-to-carry silk to buy silk materials in various places, and at this point, the silk will be popularized.

However, if you don't recognize it at the beginning, it will be difficult to do it later.

However, Wang Ju didn't dare to say it, otherwise if it spread, someone would make a little tricks and release some rumors, and it would be very likely that it would be difficult for businessmen to recognize it at the beginning. As long as most businessmen don't approve of it, coupled with the opposition of some ministers, they will attack in groups, and Wang Ju will really have a headache at that time.

But few people think of this festival now.

This time is also urgent, it must be hurry!

Lao Wang sighed slightly.

Wang Ju said: "I proposed three years to the official family, the most difficult thing is the first year, if it is not for the production of silk can generate some additional income, the imperial court will not see much income in the first year, coupled with the suppression of usury, Qi Shang tax caused by the opposition, maybe the banking department will give up halfway." In the second year, there was still opposition, but in the third year, seeing the huge benefits, some bad new laws in the Xining reform were abolished or corrected, and even if there was still opposition, it would not be strong. ”

Zhang Qi suddenly asked: "Zi'an, how many new contacts do you think the imperial court needs to meet the circulation of the Great Song Dynasty?" ”

Zhang Shangying looked a little strange and thought to himself. God knows.

But Wang Ju was seriously thinking about it in his heart.

In fact, it can still be estimated.

Let's take the total fiscal and tax revenue, GDP and RMB circulation of the Celestial Empire in 2015 as a reference.

At that time, the total fiscal and tax revenue of the Celestial Empire was about 1:6.2 compared to the total GDP.

How much GDP did the Song Dynasty have, with the current capacity of the Song Dynasty, there is really no way to count. However, later generations said that the per capita GDP of the Song Dynasty reached 2,500 US dollars, which was still said before 2005. In 2015, the price increase may be between $3,000 and $4,000.

But Wang Ju believes that this is impossible, if the poor and rich of the Song Dynasty are pulled together, and compared with the prices in his previous life in 2015, the per capita GDP of the Song Dynasty is about 2,000 US dollars, which may be insufficient, but the difference will not be too big. There is no doubt that the Song Dynasty was able to reach more than one-fifth of the per capita GDP of the people of the Celestial Empire in 2015. Let's ask, in addition to the modernization of life appliances, what about other life indexes. For example, the price of the house......

In other words, the total GDP of the Song Dynasty was about 200 billion US dollars, and the ratio of the highest total fiscal revenue to GDP of the Song Dynasty after the Xining Reform was only about 1:20.

The total revenue of the Song Dynasty was more than three times lighter than that of the Celestial Empire!

But can it be said that the Celestial Empire's finances and taxes are evil?

Then let's look at the US imperialism, the ratio of fiscal taxation to total GDP is, 1:5.4!

Wouldn't the fiscal taxes of US imperialism be even more evil? Didn't the people of the Ming Dynasty live in heaven?

Therefore, whether a country's tax is heavy or not depends not only on the proportion of the two, but also on whether the tax is fair and reasonable. Whether the people of a country live well or not. We should not only look at GDP per capita, but also look at whether the gap between the rich and the poor is large. Whether the law, taxation and other aspects are fair and just.

Wang Ju's introduction of the Banking Division, in addition to promoting economic development, is also to regulate this kind of unreasonable taxation.

But what does this have to do with money?

Yes!

In 2015, the total monetary volume of the Celestial Empire was about twice the total GDP and more than 11 times the total fiscal revenue of the country.

As a relatively closed currency, this shows that the amount of money issued has been somewhat excessive. Therefore, once it is officially circulated internationally, it will immediately be beaten back to its original shape and begin to depreciate seriously! However, if the economy continues to develop and the issuance of currency is controlled, this problem can be solved.

The Song Dynasty could not refer to the Celestial Empire either. After all, compared with the Celestial Empire, the Song Dynasty had a more closed economic circulation.

Therefore, reasonable money can only be maintained between 5 to 6 to 1 compared with fiscal taxation.

Then you can convert it.

Wang Ju said: "Once the banking department is promoted and the economic circulation is more prosperous, then excluding the gold and silver as the principal, between 700 million and 900 million guan, is a safe and reasonable total amount of money in circulation." ”

That is to say, the amount of safe currency in circulation is between 550 billion and 700 billion wen.

In fact, this is really a safe number, only a quarter of the total GDP of the Song Dynasty, not twice as much, but Lao Wang and several people gasped.

Zhang Shangying said: "Taibao, you mean that even if the banking department issues more than 200 million guan or 300 million guan silk in the future, with copper coins, the currency is still insufficient." ”

Even with so many new deliveries, there are still many areas where people continue to trade with cloth or barter. Therefore, in more than ten years, with the increase in the amount of gold and silver, the banking department will inevitably further expand the amount of new payment. ”

In the history of the Southern Song Dynasty and Song Dynasty, the amount of friends between the two realms reached more than 300 million.

However, the serious depreciation of the currency was not because the total economic volume of the Song Dynasty could not keep up, but because there was not enough principal guarantee, and there was no sufficient copper coin cash, so it had to keep offsetting the old exchange with the new payment, and the credit was lost, resulting in the impression of the people that it was a piece of paper.

Even then, its depreciation is far less than that of the Republic of China currency crisis, and the ratio to copper coins is still maintained at about 11 to 1.

In any case, the Southern Song Dynasty, which is in a remote corner, will definitely not have the same economic aggregate as the current Song Dynasty, and it is the Song Dynasty after the promotion of the banking department.

"That's good, that's good," said Wang.

The problem of insufficient currency is not big, but I am afraid that there will be too much currency, and then the silk exchange will be seriously depreciated. Then not only will the credibility of the banking department be jeopardized, but the imperial court will also suffer losses due to the depreciation of the silk payment.

In fact, this is what Wang Ju needs.

If it weren't for this huge cost, maybe the Song Dynasty would have indiscriminately issued silk in the future.

The lack of money is not a big problem, anyway, it has been living like this for thousands of years. Once the currency is redundant. That's too harmful.

"Go to the banking department and have a look." Lao Wang said.

The banking department is not around the imperial city, but in the southeast corner of Kaifeng City, that is, the storage area of the capital of the Song Dynasty.

Although it is a bit far from the imperial city, there is a reason why it is located here.

First, the security here is relatively good, not residential areas and commercial areas, at night. and the people were stopped from going about in the vicinity, for the sake of safety.

Second, it is close to the East Water Gate, and the transportation conditions are relatively good.

Third, on the north side of Bianshui in this area, there are residential areas and handicraft areas, which can recruit a large number of workers and weaver girls.

Fourth, in the northwest of it, it is the largest inn area in the capital, which is conducive to the rest of businessmen.

Therefore, the imperial court converted several warehouses here into a production base for future silk delivery, and set up a bank department yamen on the side.

In the future, nearly 1,000 workers and weaver girls will have to be recruited, and then a confidentiality agreement will be signed. Then use the assembly line to produce, improve efficiency, but also conducive to confidentiality.

Moreover, Wang Ju brought more than a dozen steam engines specially made for Xinjiao and some other typesetting printing and dyeing machinery from the other side, and nearly 1,000 sets of related molds are being developed. Wang Ju concluded on the other side that the imperial court would transform the new relationship, so he didn't bring this over.

In fact, if this kind of machinery is slightly modified, it can be placed on printed books.

But no one cares about printed books right now.

After printing and dyeing, it is transported to the bank and stamped. It can be pushed to the market.

But yet yet is the beginning of the matching of pigments. The debugging of the mold has not yet been completed. But there is no need to rush so much, because it will take a while for the house to be renovated.

Not only the banking department in the capital, but also 100 prefectures and 268 counties were the first to be promoted, and these banks also had to build new buildings.

Then open and run-in. Run-in refers to related talents, although Wang Ju brought back more than 100 economic people from the other side to guide, and the Feiqian Division and the Post Division have also cultivated some talents in the past.

But it is clear that the business of the Banking Division is much more complex.

And at the beginning, Wang Ju also had to carefully dispatch from it, so that a more perfect system could be launched in the end.

Then a year or two later. It will be possible to extend the business of the banking department to more than eighty percent of the state military and more than seventy percent of the counties.

Several people came to the construction site.

Construction has only begun, but in the future, several walls of more than two people will be built to prevent theft, and the houses will be completely masonry instead of timber for fire prevention, while several large pools more than a foot deep will be dug for emergency fire extinguishing.

This fire scared the Song Dynasty.

Not only Song Zhenzong's time, but also the fire a few years ago also caused the Song Dynasty to suffer heavy losses.

Therefore, seeing these measures, Zhang Qi nodded with satisfaction, and then said, "It must be successful." ”

The banking department is the banking department, and it doesn't necessarily have to hold Wang Anshi to change the law and not let go.

However, it hasn't started yet, and the BIBS loan is gone.

Not only that, but the building tax is gone. Moreover, if there is no tax on the house, more people will inevitably take the initiative to build houses, and the rental income of local governments will inevitably drop seriously.

And there's an even bigger loss.

Large livestock and houses are not included in the calculation of property, and the household level of most of the common people will inevitably decline, which also means that the imperial court will seriously reduce the income from the two taxes and exemption money.

But how to look at it.

Although the premises were not counted as households, the imperial court was about to issue an edict that all the people who rented the premises must go to the city or the relevant yamen and pay a tax equivalent to 5% of the total cost of the lease. It's okay not to pay, but the court will not ask if there is a dispute, and use this to force both the landlord and tenant to pay this tax.

Because this is also a transaction, it falls under the category of commercial tax.

At the same time, each mansion is still included in the property, etc., and the relevant taxes must also be paid for the sale and purchase of houses, otherwise the court will not bother if there is a dispute.

As for the loss of income that Zhang Qi is worried about, in fact, isn't this equivalent to giving leniency to the people?

As for the lack of exemption money, Zhang Fangping reflected that many poor areas in Bashu were troubled by the exemption law, which was not only caused by the lack of currency, but also because of the local poverty, but the errand and government service could not be reduced a lot, so the apportionment was unbearable, and the people could not bear it. Then it is just right to use the profits brought by the banking department to subsidize these poor areas, and the rich states and counties will protect themselves, and the poor states and counties will be subsidized a little.

The ills of the exemption law have also disappeared without a trace!

But it has to be done step by step.

Wang Ju said: "Whether it can succeed depends on how much wind and waves some people can stir up." ”

The waves are coming! (To be continued.) )