Fan Chunren was speechless.

He can't say that Gyeongju is governed, but after Wang Ju's victory in Gyeongju, he got a large amount of green salt from Yanzhou, and used the benefits of green salt to make Gyeongju better.

If that's the case, what about Quanzhou, which was pulled up by maritime trade.

Well, what about Quang Nam, that's to fight local tyrants and divide the fields, so the whole people carnival.

can name a major reason, but no matter what these reasons can be said, controversial, and repulsed, let him find out, and then cure all places.

Then the question arises, why do other ministers not think of it, or think of it but dare not do it.

It's a pity that Fan Chunren thinks of himself as high, and he hasn't read the three articles that Zhang Zai wrote later, and he hasn't lived with Wang Ju, otherwise he would have come up with an eight-word answer: adapt measures to local conditions and time conditions.

Of course, there have to be that condition, such as China, the largest country in the Song Dynasty, Southwest Yi, and Wang Ju are also instigated.

Fan Chunren stayed for a while and then said, "Taibao, what is your good plan, you must know that autumn is coming." If the Taibao comes back this spring, it will be easier to do a little bit and let the people pay the summer tax with silk materials......"

"When I come back this spring, won't I grow wings?" Wang Ju laughed.

But it's also soon, in another two years, the technology is further developed, then the other side can use steam engines to propel some small and medium-sized ships. If you can do this, you can ignore the monsoon. Although the cost can be high, waiting for the monsoon is still the main way to sail the sea for a long time, but it can be used against the wind in times of emergency, or when transporting valuable goods.

"And besides, what kind of people are the people in your heart? If it were all the people. I think. You don't have to love the people, do you? ”

Wang Ju sneered again.

The people are like what the great lord and the doctor are referring to in Sima Guang's heart, so there is no need to say anything. If this people include all the common people, I am afraid that Fan Chunren is not as good as Wang Ju in terms of loving the people.

With this article, Wang Ju will make the large-scale scientific match that Fan Chunren is worried about?

"Taibao, what are you going to do?"

"Fan Gong, this is the decision of Zhongshu, as if you have no right to ask." Wang Ju said with a smile.

Only then did Fan Chunren remember Wang Ju's three requests to come back, which made the emperor trust him unconditionally. Unconditional support, what to say.

So he solemnly gave a salute: "Taibao, it is not easy to live for the people, and I am also thinking about them." ”

"I know, at least I won't exploit the common people, otherwise I wouldn't have initiated this banking division, and once I succeed in this move, the Great Song Dynasty will be more stable, and it's not me who earns, I will go to Shaanxi to work hard in the future." But who is the beneficiary? The people of the Great Song Dynasty. and you, and your children and grandchildren. Don't be fooled by some people. ”

In short, Wang Ju is not evil to Fan Chunren.

But he would not learn from Wang Anshi stupidly, and took the initiative to show favor to Fan Chunren, but he ran into a gray nose. But this really can't blame Wang Anshi, he wants to change the law, although Wang Anshi doesn't have a golden finger, he won't see it as clearly as Wang Ju, and he also knows that there will be a lot of pressure, so he desperately looked for friends when he returned to the capital. This friend is not looking for a party, but hoping that more prestigious ministers will support him.

Fan Chunren is gone.

However, Wang Qi and Zhang Qi are also a little worried.

"Fan Yaofu can't say it's wrong," said Lao Wang.

"Prince, don't worry," Wang Ju said his plan together, and in fact many of them had already been written down and sent to the door for consideration.

"That's a clever plan."

"The helpless move made the prince laugh."

…………

A few days later, two large dew cloths were posted in various lively areas of Kaifeng City.

Not only in Kaifeng City, the post guards have sent a lot of lubu to many medium-sized and large cities for officials in each city to post.

First of all, there is the banking department.

The amount of gold and silver brought back by the other side, as well as the amount prepared by the imperial court, and the amount promised by the other side in the future, the imperial court also intends to continue to prepare. And Lubu deliberately wrote one thing, the Wa Kingdom has discovered many large silver mines one after another, and can use the form of trade to obtain more than three million taels of silver every year. Also, the sea trade routes leading to Da Shi are all opened, and this opening does not refer to the previous piecemeal voyages, but large fleets can sail to the other side, and the area of the countries on the other side of Da Shi is several times that of the Song Dynasty, because the waterways are completely opened, and you can also use the form of trade to exchange for a large amount of gold and silver.

Under this passage, there is also a small map, which roughly marks the distribution map of the countries of Central Asia, East Africa, North Africa and Europe, and on the other side is the Song Dynasty, on which the Song Dynasty is pitifully small......

At the same time, the imperial court also planned to ask them more about the situation in the West through the channels of the Picky Sect in the capital and the big food merchants in Guangzhou, as well as to translate some Western works and publish them in the future, so that everyone could have a better understanding of the distant West.

Why do you say this passage, that is, there are many civilized countries in the West, and there is a lot of wealth, and they do not even use copper coins as currency, but gold and silver coins as currency.

The main thing is to stabilize the people's hearts.

In addition, for some shrewd businessmen, there will be an idea, in this way, in the future, the price of gold and silver will not rise, but will fall, then the price of gold and silver will not be disordered because of the banking department, at least not up. Now I am afraid of going up and not afraid of falling, and the fall can be regulated, once it rises, there is so much gold and silver to regulate. The second is that many people will spontaneously use gold and silver to join the banking department to avoid the risk of falling gold and silver prices.

Then there is the operation of the banking department, in fact, most well-informed people know about it, it is for this banking department that Wang Ju launched the Qi business tax, and then made Wen Yanbo and other powerful people angry, sent people to investigate, and got the ambiguous relationship between Wang Ju and the eldest princess, forcing Wang Ju to leave overseas. Two super fiascos followed.

In fact, at the beginning, under some rumors, many rich and noble families in the capital were panicked, what is this rumor, that is, Wang Ju in Guangnan to change the land and return to the stream, fight local tyrants, and divide the land, so the rumor used Wang Ju's practice to say that Wang Ju wants to "equal the rich and the poor".

Then the fiasco came, and the truth was gradually revealed.

And the travel agency also exerted its power, on that main line. and a fork in the line. The Jianzhou Tea Picking Festival was launched. There are many places with tea, but Jianzhou tea is the best tea in the Song Dynasty! As a result, a large number of copycat Jianzhou tea cakes appeared on the market.

Go to Jianzhou to pick tea, and exchange tea leaves for authentic Jianzhou tea cakes to tea farmers!

After the tea picking festival, there is another lychee festival.

Then after going around, it turned to Quanzhou.

Listen to what the businessmen in Quanzhou said about Wang Ju, so this year these news were gradually brought back to the capital.

Wang Ju did enforce the Qi merchant tax in Quanzhou, and also punished some bad gentry who did all kinds of evil, but that was a very small minority. Most of the remaining businessmen and tycoons have all benefited under Wang Ju's governance.

Although Wang Ju is not like Wang Anshi, looking for friends everywhere, there are many middle- and lower-level officials who respect Wang Ju, especially young and middle-aged officials, who have not yet degenerated, and when they are full of enthusiasm, they regard Wang Ju as an idol.

Therefore, there is another piece of news that is prosperous, and now Quanzhou is not as prosperous as Hangzhou, Ezhou, Chengdu and Suzhou. But in terms of taxation, Quanzhou is almost the same as Hangzhou and Hubei. Far more than bustling big cities such as Suyang.

This does not include the extraction of the city's envoys, otherwise it is almost the same as Hangzhou's income.

You must know that although Quanzhou was also prosperous in the past, it reached its peak in history in the Southern Song Dynasty, and it was far inferior to Hangzhou and Ezhou in the Northern Song Dynasty.

Isn't this really a matter of not paying taxes for the country's own use?

Not only did the country use it for its own use, but the people also became richer one by one.

As for the inferior gentry who were punished, are they worthy of sympathy?

It was only at this time that the people of the capital gradually recognized Wang Ju, not only in martial arts, but also in governance.

All kinds of banking divisions have also been picked up.

There is little change in Lubu, most of them are known to everyone, after the establishment of the banking department, it will be two in one with the flying money department, and the post envoy is not combined, after all, it also has an important responsibility, that is, to convey news for the imperial court. Therefore, it is divided into two departments, one is the exchange and mailing of civil letters, which is under the jurisdiction of the Banking Division. Delivering news for the imperial court has nothing to do with the banking department.

This is divided into two, and everyone is not surprised, no matter how chaotic it is, is there still the current Song Dynasty official system chaos?

For example, today's Xifu ......

Therefore, the business scope includes the business of the former Flying Money Division and the Post Division, sending money and goods, withdrawing money from other places, etc., of course, this has to charge a handling fee, and it is also one of the main sources of income for the future banking division.

However, this business income must not be underestimated, it used to be difficult to withdraw money in other places, without him, lack of currency.

Often in some areas where cloth is produced, the subordinate secretaries of the two divisions may not be willing to accept the original paper delivery because there are no copper coins, so they have to take out the cloth to the people or merchants. This is a cloth production area, are the people happy?

But now it's different, because a large number of new transactions are about to be issued, and it is almost entirely possible to achieve true off-site withdrawals.

Lu Bu not only pointed out this, but also said one thing, that is, in these five or six years, the imperial court will allocate 40 million catties of copper, and the other side will support 10 million catties of copper, and mint a large number of copper coins in four times.

In fact, the total is only 50 million catties of copper, and even if you cut corners, you can't issue 2,000 copper coins.

In the past, because of the lack of currency, the Song Dynasty had to mint a batch of copper coins almost every two or three years, especially after the use of gunpowder, the average amount of each minting reached more than 4 million, but this amount could not even keep up with half of the economic increase of the Song Dynasty, so no matter how many copper coins the Song Dynasty minted, there was still a shortage of money in the market, and even more and more serious.

In fact, whether you say it or not, these tens of millions of copper coins don't play a big role, but if you say it, it will be exciting.

There is so much gold and silver, and it seems that there are so many new copper coins, and the credibility of Jiaozi is also there, and of course, withdrawals in other places can also be fully realized.

This means that a lot of benefits can be made from this alone.

The second is the spread between loans and deposits, in fact, many well-informed people also know that Wang Ju has already done a relevant demonstration in Gyeongju.

The interest on the deposit is about the same as the interest in Gyeongju, between three percent, the longer the deposit, the higher the interest, the shorter the interest is lower, and the current one does not, but it will not charge a "storage fee" like some cash cabinets.

The interest rate of the loan is 1 cent, but the interest rate of the loan is more than 3 years, and it will rise to 2 cents.

If you can mortgage 10,000 yuan of fixed property in the family, you can get a loan of 10,000 yuan.

Destitute people and customers can also take out loans, but the amount of the loan is relatively small, and the maximum amount of the loan does not exceed five yuan or the equivalent of five yuan of grain, cloth and cotton. If you can't afford it. He did a short service for the imperial court. Anyway, now the imperial court has implemented the law of exemption from military service. Many of the errand officers were short-term soldiers. After the completion of the service. On behalf of the people, the government handed over the service money to the banking department.

But don't underestimate this small amount of loan, when the spring famine comes, even if it is a small loan of five yuan, or a grain loan equivalent to five yuan, it will also save lives.

After seeing it, some conscientious officials kept nodding their heads and expressing their approval, this is the real BIBS loan!

Isn't Wang Anshi's green seedling method nonsense?

But there is no Wang Anshi's exemption law. So this policy of repaying the loan with servitude?

However, a very small number of officials and some usury merchants frowned. If so, it will hit their usury market hard.

So there will be opposition in the future, so Wang Ju must hurry up!

It is also the reason why Wang Ju asked Zhao Ji to unconditionally support and believe in him and give him rights.

But there are also smart people who see the flaws.

Where are the defects?

The interest rate on a penny loan is really not high, but do you really expect poor people to borrow it? How much interest margin can you earn? This is still mainly based on lending to merchants, which is the secret of Wang Ju's saying that the economy of the Song Dynasty will prosper. If you succeed, it will be better, the merchant will thank and benefit, and the court will get a lot of taxes, but what if you fail?

It is inevitable that they will forcibly take possession of their homes or workshops, or other fixed property.

Don't say it's unfounded. The Song Dynasty really had a lot of unfounded ministers, including Fan Chunren.

Next. It made everyone in an uproar.

Because of the emergence of the banking department, from today, the Seedlings Law will be abolished, and it will not be needed.

In fact, everyone already knows this article.

To everyone's uproar, the following two items are not only abolished, but also the controversial Seedling Law will be abolished, and from today onwards, all large livestock and houses, regardless of households, will no longer be taxed if they are not traded.

Large livestock are not counted as households, etc., in fact, the Song Dynasty also implemented it very early, but later for the sake of taxes, it was re-counted into households.

What actually made everyone uproar was the house in the back.

If even the houses are not counted in the household class, how many first-class, second-class, third-class, and fourth-class households will be reduced in the Song Dynasty?

Then the two taxes and the exemption law will also be reduced.

Also, the property tax is also a kind of commercial tax in the Song Dynasty, which is equivalent to nothing.

Don't look at the proportion of house tax in the commercial tax of the Song Dynasty, and the actual amount is not small, but it goes into the pockets of the officials and is not obtained by the court of the Song Dynasty. Once abolished, many invisible expenditures will resurface, just like the Qiongzhou salt during the Song Renzong.

There is also an invisible loss, which no one expected.

That's the rent of the government.

Just like the common people raise cattle, because the cattle are counted by households, many people are reluctant to raise cattle, for fear of renting the official cattle of the government and paying cattle rent.

It's the same with houses.

Is it true that the mansion of the rich Bi family will be taxed? In fact, the house tax is levied on the powerless and powerless.

As a result, many people would rather bury their money in the ground and live in straw huts than build houses. Therefore, the countryside is mostly low and small, and the grass is green on the stream...... In fact, the countryside is all short and small straw sheds, which can also be turned into beautiful words, which has to be admired......

Therefore, the proportion of tenants in the city is not small. It is precisely in this situation that many government governments have moved out their official houses and rented them to the people, and their annual income is hundreds of thousands of yuan, and the actual income is even more.

But why did Wang Ju do this?

How much will a house construction drive the economy?

From timber to masonry, there will be more merchants borrowing from the banking department to set up brick and tile workshops, lime workshops, boat and cart workshops, and the demand for timber and even iron nails will increase.

It is also the reason why Wang Ju asked for Qi Shang tax.

After the implementation of these two articles, the imperial court will reduce a large amount of revenue, and many invisible expenditures will emerge one by one, and if the commercial taxes are not met, the imperial court will suffer heavy losses.

However, seeing this, many people are even more excited, why, Wang Ju can think of it, many people can also think that once a large-scale house is built, there will be many businessmen who will borrow, which is 200 billion Wen, equivalent to 260 million new payments, and how much income will be obtained in a year for a number of people to save money?

We can't think of it this way, and there are also the costs of relevant officials, the costs of officials, dead debts, corruption and bribery, and other expenses.

So the real benefit could be half of what they have in their minds, in case they don't run it properly. Corruption is rampant. Maybe you can only save the capital.

However, what Wang Ju really values is not only the income of the imperial court. Rather, under the stimulus of the Banking Division, the industry and commerce of the entire Song Dynasty will further prosper.

The onlookers couldn't imagine such a long term, so they were all calculating, and if they calculated like this, they would pay it back. So one by one they thought, no wonder they say that the country will use it without taxes.

In fact, after the Lu Bu written by Wang Jucao arrived at the door, Cai Zhang and the others were also thinking nonsense, and then they were stunned.

The meat show is coming.

The following is to prevent corruption and inaction in the banking sector. The imperial court deliberately took out the equivalent of two thousand taels of silver and gave it to individuals. And individuals can join forces, appoint relevant brokers to participate in management and supervision, if the officials of the banking department are mismanaged, or greedy for ink, their brokers can directly beat the drum to report, and the Chinese book will immediately send someone to investigate and deal with it.

But there is one condition, until this amount reaches the equivalent of 20 million taels of silver, it will be served on a first-come, first-served basis, and as for the latecomer. That will only have a chance when the next expansion comes. However, it is not the gold and silver that you have a chance, from now on. The silk material was immediately purchased, and the amount of gold and silver that could be participated in was distributed according to the amount of silk material, and after it was transported to the capital, the banking department allocated money and silk to pay the various merchants or the group banks that had joined forces.

Next is the price of silk in various places.

It is divided into five batches, ten wen money Jiaozi uses Cantonese silk, and twenty wen money uses Zhejiang silk, but this Zhejiang silk is more extensive, referring to all the silk materials south of the Huai River, east of the Three Gorges, and north of Lingnan. Fifty yuan is used in Shu silk. Eighty Wen is rubber wire, which refers to the silk material of Jingdong Road. One hundred Wen uses Hebei silk material.

However, this is for all the people, so the amount of the five kinds of Jiaozi is the same, that is, ten yuan of silk will be three times that of one hundred yuan!

Therefore, not only the price of silk materials collected by the banking department in various places, including the quantity, is also marked.

If it's late, it's gone. At most, the bank will pay the relevant money.

In fact, this is also impossible, at least this year, it is impossible to raise the equivalent of more than 40 million yuan of gold and silver. This only created a tense atmosphere, so that the merchants could buy the silk as quickly as possible and transport it to the capital.

Some places in Guan Jian's Lu Bu are not clearly written, so some smart people are calculating their benefits, if they calculate according to them, then they will pay it back, and they may get two cents of the income ratio every year!

Seeing this, many people who had spare money in their hands went crazy together.

Because this is not a place in the capital to raise shares from the people, but to the whole country, think about how many rich people there were in the Song Dynasty. Especially in the capital, if the family property is less than 100,000 yuan, they are not considered rich, that is, those with a family property of more than 1 million yuan, there are many of them, of course, there are more poor people......

Finally, there is the presentation of the sample.

What is this new friendship like, it is placed at the entrance of Xiangguo Temple, and you can visit it in person.

The capital is in Xiangguo Temple, and dozens of cities have also put samples on display.

This is the first dew cloth.

The second dew cloth is the steam engine.

It does not have the harsh conditions of the banking department, that is, 20 million funds as the cost, half of the imperial court, and half of the private people. Private money and food can be used as capital injection, but it is stated that its income will be very low in the early stage.

This cannot be concealed, otherwise it will inevitably cause trouble in the end.

However, it is only in the early stage, once the technology is further improved and promoted throughout the country, its benefits will far exceed the benefits of the banking department.

However, there is another article that is not written on the cloth, this private fundraising is limited to the north, which is the so-called base camp of the Shuo Party, and is used to win them over and reduce the pressure of future business taxes.

However, there are also samples, which are when the crops are about to ripen but still need to be irrigated, and it is also the season when autumn is coming, so samples are placed in the suburbs of several key cities for everyone to visit.

And also sent someone to explain its many functions in detail.

If you are interested after the tour, you can participate, and it is on a first-come, first-served basis, just like the IPO of the Banking Division.

What about the steam engine, put it aside first, and almost everyone ran in the direction of Xiangguo Temple after reading it.

For a time, the gate of Xiangguo Temple was crowded with people, but fortunately, Wang Ju had already prepared and sent many officials to maintain order.

There are several tables at the entrance of Xiangguo Temple, and on the tables are the Jiaozi brought by the five kinds of kings. But it is not the future Jiaozi, these kinds of Jiaozi are just samples.

On the side are the five drawings drawn by the painting institute with a fine brush, which is the future Jiaozi.

This is also the result of controversy.

Although this new relationship has indeed been recognized by many ministers, it is also considered that it has been in the past few decades. It is not easy to imitate.

However, the other side also has a variety of molds. Everyone is not very relieved. So Wang Ju discussed with everyone. Modifications have been made.

The first is the modification of the color, the original Xinjiao main color is Wang Ju's imitation of the main color of the later RMB, orange red, the pigment is a pigment on the other side and cinnabar matching.

However, the scholars thought that this red was not so festive, so they simply changed it to cinnabar as the main ingredient, so it became vermilion as the main color.

Wang Ju was speechless, okay, a prosperous new Jiaozi.

The next step is to shrink the original pattern. The pattern and other colors have also been changed, and the front is flanked by the seals of the bank and the Chinese book.

The reverse pattern is all two, and the side picture has five small pictures of Xuande Gate, Royal Street, Xiangguo Temple, Iron Tower and East Water Gate, and the above is the amount of coins.

In this way, it will not be easy to forge the other side......

In fact, it does not change, and it is not easy to forge on the other side, because if you want to forge, you can only forge more than 50 of these three kinds of banknotes, so you must import a large number of Shu silk and Shuo silk, but although the other side also began to issue Jiaozi, all the silk and Zhejiang silk are used.

It's not interesting to fake less. Much more faked, just from this point. can be detected by the Song Dynasty. However, Wang Ju added, set up another sixteen-digit numeric code below, but not necessarily from 0000000000000001 to 9999999999999999, plus the year number in front, this year is the sixth year of Yuanfeng, then you can move out more than 999 codes, these codes are only known to the competent officials of the banking department and the administrative officials of various cities, and no one else is allowed to ask.

Wang Ju's voice outside the words, that is, if the other side of the country is forged on a large scale, because you don't know these codes, there will inevitably be a lot of fake codes that have been moved, as long as it is returned to the hands of the various administrative affairs, and the administrative officials see it, they will also notice that the other side or others have forged it, so they will immediately report to the court and come up with a solution.

Although they didn't say it, everyone heard it, and some ministers blushed.

But just in case, we still insist on transforming Jiaozi, so let's transform it.

Therefore, the new Jiaozi is now being debugged, and the sample has not yet been taken out, so the gongbi painting is put first, and then the actual sample is displayed with the Jiaozi presented by Wang Ju.

"How?" Wang Ju asked the two officials.

Zhang Shangying was also nervous.

It was Wang Ju who proposed that the imperial court issue an edict to make Zhang Shangying the future bank envoy.

This may be an extremely important official position in the future Song Dynasty, which is related to the income of more than 20 million yuan in the imperial court, and even to the safety of many people's industries.

Once Zhang Shangying is done, then he will be able to carp in his career from now on.

But if you don't do it well, you may become a sinner for the ages. In particular, it is a product that has never been seen in the ages, and there is no experience to be learned from any historical records.

Today's people's recognition of the new friendship is the most important first step.

Wang Ju also knew, so he sent the hall officials to Xiangguo Temple to observe for a while.

A hall official reported: "Taibao, Zhang Gong, and the people were stunned by Xinjiao, and almost everyone was amazed. ”

Another official said: "Many people almost did not believe that it was Jiaozi, and after someone touched it with his hand, he asked for the same copper money to exchange the samples for the same copper coins, regardless of whether they could be used in the future." ”

He was amused, what is the use of these samples being exchanged back?

Wang Ju also smiled: "Although they are curious, they are not stupid, there are not many samples brought by a certain one, and they will be out of print in the future, which is quite collectible." ”

The development of the Song Dynasty to this day, the relatively peaceful environment, so some collections began to appear, especially in the time of Song Huizong, and even "archaeology" appeared.

"But no matter how much money they pay, they won't sell it." Wang Ju also said that these samples will be displayed for a long time until the new samples come out, and the new samples will be replaced by the new ones, and the new ones will be officially issued and the display will end.

The two officials smirked, and one of them said, "Some people have raised doubts, thinking that if the imperial court issues ten or twenty wen jiaozi, will it be in deficit. ”

"There will be no deficit, but if a private person wants to forge it, he will inevitably lose money." Wang Judao.

Zhang Shangying's heart was also settled.

In fact, this is barely the first step.

There are many things in the future, such as the resistance of some loan sharks, and the controversy caused by the sale of fixed assets such as mortgages and mortgages of some loss-making merchants, but it is not these, it is also not silk, this year it is just to build the frame, even if the silk is insufficient, it is not a big problem, unless there is no silk at all, it is impossible.

It is also not the change in the price of gold and silver, with Wang Ju's brainwashing of those words, in the past few years, as long as Wang Ju is cautious, gold and silver will not fluctuate greatly.

In fact, the biggest problem is something that everyone, including Zhang Shangying, can't think of, that is, the people's real recognition of it.

If it weren't for the original old friend, its amount would not be large after all, and now once it is officially issued, it will be at least tens of millions!

These tens of millions of huge friends must be recognized.

That's the most important premise. (To be continued.) )