"The attitude of the official family is to stay in the middle and not send it." Wang Ju said.

"That's not the solution either." Han Yun said.

If you stay in the middle of the country, you can't keep it secret, as long as it is passed out, there are still many prestigious old guys alive, that is, among the Beijing officials, because Fu Bi's temper is relatively mild, and there are also many officials who support Fu Bi.

But fortunately, this is a letter written by Fu Bi when he was dying, maybe Fu Bi's brain was a little ill at that time, and he didn't expect Liang Tao to publish this letter to the public, so the blow was too big.

For example, Wang Qi, can you say that he is inactive, and you can also say that he is the prime minister of the Three Decrees, but can you say that he is treacherous?

Nor is he a new party.

So when Lao Wang learned of this letter, he was also so angry that he gritted his teeth.

However, the problem is not Liang Tao, Liang Tao alone can't turn up the wind and waves, and the root is still rich. But the problem is that Fu Bi is dead, even if Zhuge Liang is alive, there is no way to take a dead man.

Wang Ju sighed: "I came back this time, in my thoughts, the biggest enemy may be Wen Yanbo or Sima Guang, but I never expected it to be Fu Bi." ”

"I heard that Fu Gong is a good minister."

"It's because his reputation is so good that the situation is serious."

"How could he say that?" Han Yun asked unconvinced. Even if Wang Ju has scheming, there are a few top ministers who don't have scheming, is Lao Wang really a good man?

However, it cannot be said that Wang Ju is Cao Cao and Wang Mang.

Wang Ju said: "Brother Han, in fact, this matter is more complicated, such as Fu Bi, he doesn't want the Song Dynasty to be good, Sima Guang, he doesn't want the Song Dynasty to be good?" I want to think about it too. What's the problem? Just look at Sima Guang's thoughts. The idea of their faction is to be respectful and orderly. So that the country will be settled. But then His Holiness was pleased. What about the lowly? ”

"Each has its own way, such as the Brahmanical caste system of Champa, you are born noble, you are born lowly, so what do you say? China also has it, such as the Jiupin Zhongzheng system during the Northern and Southern Dynasties, even if Liu Yu became the emperor, he had to bow his head to those gate valves. This system continued into the Tang Dynasty...... It wasn't until I was a little better. In particular, several ancestors roared out of Qi people. Whether it is a real Qi person or a fake Qi person, in this sense, it is indeed a great progress. ”

"At least compared to the previous dynasty, our dynasty has given more vitality and dignity to the lowly. However, as our dynasty has ruled for a long time, the various magnates have been stabilized through grace and kinship, so their ideas are retro and backward. Although they did not want to restore the gate valve system of the Northern and Southern Dynasties, they also knew that if they wanted the country to be stable, they had to give up some of their living space. To the general population of the common people. But this let's have their own opinions. For example, Fan Chunren may let a little more, Sima Guang may let a little less, and he doesn't even like the peddlers' pawns to wear socks. Could it be that the peddler's pawn wears socks, and the sky falls? For Sima Guang, the sky is falling, because in this way, the lowly people can gradually challenge the status of the powerful! ”

"Or to put it simply, Sima Guang thinks that this country belongs to the emperor and the magnates, and the common people don't let them starve to death on a large scale, but politics has nothing to do with them, that is, as Wen Yanbo said, ruling the world with scholars, that is, the country must serve the emperor and the elites, so the interests and feelings of the elites must be considered."

Wang Jiefu believes that this country is a super family led by the emperor, the country before the family, everyone must serve the country, the country is rich and strong, is the greatest guarantee for the interests of all people, in order to talk about the distribution of various interests. That's why we have changed the law, and despite all the shortcomings, we will first fill the national deficit and then fill the treasury. ”

"As for me, I think that the country belongs to all the people, including the emperor, who is only a manager, not a ruler, so the state must serve everyone. It's everyone, not a few. Although I also tacitly acquiesce that the country must be run by elites, that is management, not ruling the people and enslaving the people. Only when the country achieves this step can the people of all walks of life avoid serious injustice, and the country can be strong and prosperous forever. ”

"It is precisely because of the different starting points of these three that they have different approaches, or in other words, in a sense, I am closer to the New Party, and I am closer to the New Party."

Of course, only the two of them said these things behind their backs, and they didn't dare to say them publicly.

What, the emperor is just a manager, Zhao Ji didn't immediately shoot Wang Ju to death with his shoes!

But these thoughts are far more complicated than what Wang Ju said, and Wang Ju has not thought clearly about many aspects now, or one day he goes to the other side, and he doesn't need to be so intrigued as he is now, so he can think about it clearly, maybe he can write two books......

"So what now?"

"I don't know," Wang Ju said with a depressed spread of his hands. But he was very angry in his heart, and he learned in front of him, and with a flick of his sleeves in the back, he left Zhongshu and went home.

The weather outside was gloomy, and Wang Ju said again: "Let's go, go to the banking department to have a look." ”

It doesn't have to go to the banking department, but I just want Han Yun to accompany him out for a break.

Wang Ju and Han Yun took Wang Zichuan brothers, dressed up in plain clothes, and went to the banking department.

Coming to the bank of the Bianshui River, the sky began to drift misty rain, but the two sides of the Bianshui River are a prosperous scene, the big ships are not allowed to enter the city, but there are many small boats loaded with goods from the water gate of the East Water Gate directly into the city, moored on the bank of the river, and there are many Ding Zhuang unloading the goods on the ship, and because of the joint efforts to carry some heavy goods ashore, everyone shouts the number, quite lively.

"It's really prosperous," Wang Ju said with emotion.

In fact, there are a few cities on the other side that are developing well now, but I don't know if I want to achieve the prosperity of Tokyo City.

Han Yun said cautiously: "Taibao, in fact, I don't think there is any need to worry, if you can advance, you will advance, and if you can't advance, you will retreat." ”

Why bother, it's a big deal to retreat to the other side.

"Brother Han, you don't understand, do you know what kind of illness the official family has?"

"I don't know."

"It's a wind disease, I'm here, maybe the official family will still have some ideas, maybe it really did what Cao Cao did as Fu Bi said. But as soon as I left. Western Xia didn't mention it. Due to various circumstances, the bank collapsed quickly. If you don't mention the loss, then the official family may be in remorse...... Collapse. But what does the queen mother in the palace think about the change, you understand. Or wait for the future Renjun, when I am almost old, will I come back? Then this prosperity will not be long. It becomes a piece of rubble. If it were you, I would be reluctant to let it become a piece of rubble in a few decades. ”

Han Yun didn't know what would happen next, but now there was indeed a serious problem in the Song Dynasty.

As soon as Wang Ju withdrew, I don't know if the capital would be rubble in a few decades, but the Song Dynasty can be said to have officially gone downhill from then on.

Thinking of this, he couldn't help but be a little silent.

After all, Han Yun is different from Tao Qing, who has been active in Shaanxi or the capital, at least he has a deeper affection for this land.

The two looked at Bianshui and were silent for a long time. Suddenly, a passer-by came up and asked, "Is it Taibao?" ”

"Hmm."

"Taibao, it's raining." The man said.

"I'm here to take a look. By the way, think about things, the rain is light and does not get in the way. Wang Ju said gently.

"How can it be done," the man stepped forward at once, placing the tarpaulin umbrella on top of the king.

"Then aren't you drenched?" Wang Ju said jokingly.

"Taibao, you shelter the wind and rain for the Great Song Dynasty, the small people have nothing to reciprocate, let the small people cover the wind and rain for the Taibao today." The man said honestly.

"What's your name and what do you do for a living?" Wang Ju was surprised and said, there are people who can know him, Wang Ju is not surprised, the strange thing is that this person said this sentence too numbly.

"Xiaomin Xiao Zhang Gui, doing some small business in the capital, just now came to Bianshui to buy a little goods, but I didn't expect to see Taibao standing here." This person named Zhang Gui said excitedly.

At this time, there were still many working people on the shore, and when they heard the word Taibao, they raised their heads together.

Someone recognized it again: "It's Taibao, alas." ”

So more than a dozen people gathered around.

couldn't stay any longer, Wang Ju said to Zhang Gui: "Zhang Gui, these little winds and rains, don't avoid them." However, the ups and downs of the Great Song Dynasty, my ability alone is limited, I can't cover it, and everyone must come together to play an umbrella to cover the wind and rain of the entire Great Song Dynasty. ”

Of course, Zhang Gui couldn't hear the outside words.

"But Zhang Gui, thank you for your kindness." Wang Ju said, turned over again, and went to the banking department.

"Taibao, right and wrong have their own merits, and justice is at ease in the hearts of the people," Han Yun said on horseback.

"Is justice in the hearts of the people? Not necessarily! The human heart can be deceived. The reason why Zhang Gui made an umbrella for me was probably because I banned the Shiyi Law, so that these small traders had more vitality. Maybe the people at the bottom are more supportive of me now, but their power is limited. ”

From the Song Dynasty to today, there are indeed political problems, but Wang Ju is also a little pessimistic.

Come to the Banking Division.

Wang Ju asked Zhang Shangying: "Tianjue, what is the situation of business in various places, and how are the fluctuations in gold and silver prices in various places?" ”

"Taibao, there is still an influence, for example, in the south, relatively speaking, the price of gold and silver is relatively low, so although most of the merchants used bills of exchange, after returning to exchange for silk delivery, immediately purchase commercial goods, and even pay a little lower than the denomination, this does not matter, but it is conducive to the silk exchange to the people."

"Hmm." Wang Ju nodded.

In short, the complexity of the banking division this time is probably rare in another time and space.

First of all, it is huge, unlike the banks in Europe at the beginning of the Industrial Revolution, how much economy can it have?

Secondly, the time when it was launched was after the Xining reform, and the political situation was that the party was the same and different, and any defects would be magnified to the extreme. Before it even started, it was all about to start.

Finally, there is a serious shortage of gold, silver and copper coins as principal.

However, if the business is good, the lack of financial management people that Zhao Ji is worried about will not be lacking in the future, and the banking department and the larger shipping department are the best financial ministers to sharpen.

However, in the beginning, it was difficult.

Don't think that the other side has been executed, the other side has not been officially implemented for a long time, and the two situations are different. On the other side, Wang Ju gave an order, who dared not obey? It was as hard as it was in the Song Dynasty.

Zhang Shangying said: "What I'm worried about is some areas of Jingdong Road. Jingdong Road has always had a relatively high price of gold and silver, although due to the order of the CPIC, the tax on gold and silver entering the city has been cancelled in various regions, and the difference between gold and silver prices in the north and south has been reduced, but the gold and silver prices on Jingcheng Road are still much higher than those in other regions. Therefore, some businessmen deliberately held money and silk to cash in silk, and then went to Jingdong Road to cash in gold and silver. In some cases, the principal reserves of gold and silver have been halved...... However, there is no huge fluctuation in the price of gold and silver in the market. ”

But it's also a bad sign.

Don't think it's just Jingdong Road. In case of repeated cash-outs. Maybe the principal of these preparations is gold and silver. Jingcheng Road alone will be consumed by half.

If that happens, the banking department is in danger.

Wang Ju pondered.

Another official said: "Taibao, in my small opinion, why don't you tie the gold and silver silk with the copper coins, otherwise there will be trouble now, and there will be trouble next year." ”

"What's the trouble next year?"

"Next year, all banks will cash in on silk payments, but silk payments are linked to gold and silver, and there are differences in gold and silver prices in various places. Just like the current payment of Yingzong in the capital is equivalent to fifteen wen, but in fact it is fifteen wen, so what should I do when the time comes? ”

This also seems to be an issue.

At present, the state administration has no cashing business, and is either responsible for cashing between silk and gold and silver or bills of exchange, but does not take over the business of cashing silk with money.

However, that doesn't mean they'll be idle.

During these months, it is necessary to familiarize yourself with the operation of the banking department, not only the economists from the other side can teach, but the officials of the Song Dynasty can also put forward their own opinions, after all, the situation on the two sides is different.

It can't be said that the officials on the side of the Song Dynasty are useless, and they have been the Post Department and the Flying Money Division for many years. It has also sharpened some talents.

If it is a good opinion, it can also be fed back to the bank. That is, it was fed back to Zhang Shangying, and then Zhang Shangying added it to the rules and regulations of various affairs across the country according to the situation or negotiated with Wang Ju.

After these months of training, there will be no major mistakes after the official opening next year.

The other is to distinguish between gold and silver.

Well...... It's just as important.

The banking department uses gold and silver as the principal, but this principal can be cashed at any time, and it is a big deal that the banking department and the various banks will charge some more handling fees.

Once implemented, the credibility can be maintained, even if it is this handling fee, the merchant is not willing to pay, anyway, it is currency, and it is easy to carry currency, why do you have to exchange it for gold and silver?

But there must be a small number of merchants who are not at ease, or there are major changes in the imperial court, which makes everyone worried, so they will be exchanged for gold and silver and brought home.

But there are two places for the gold and silver, the first of which is to be immediately cast into gold and silver, and the banking department is worried about this, once it is cast into gold and silver, it will never be recovered.

There is also a collection, or as a quasi-currency circulation, for this article, the banking department will not exclude, but in order to the banking department and the principal of the bank is sufficient, so Wang Ju formulated the cash handling fee, and if the gold and silver are returned, a handling fee of 3% will be levied. If the bullion is brought back to the bank for a trade, a reward of 15 percent can be returned.

However, this reward is only for the official gold and silver bars that are circulated by the Gold and Silver Division. Therefore, this fee is very delicate, only a little profit, and it costs a certain amount of money to cast gold and silver bars, and it also has to counterfeit the seal of the imperial court, which is a capital offense.

Then the private counterfeit gold and silver bars will be eliminated.

However, there is another situation, that is, gold and copper, silver and tin, if forged properly, will bring heavy losses to the imperial court.

Therefore, it is necessary to train masters who can identify the purity of gold and silver.

If there are forged official gold and silver bars, once discovered, they can be arrested on the spot, even if they have nothing to do with the user, they can also catch the real culprit step by step.

At the same time, notices were posted in the various administrations that the court allowed the circulation of these gold and silver bars, but the merchants had to be careful not to forge them. Why only remind the merchants, think about it, just one silver bar reaches ten taels, which is equivalent to twenty new guan and more than 10,000 yuan.

Is it possible to buy a steamed bun with twenty new guan? People don't accept it. Therefore, even if gold and silver bars were circulated, they were only circulated in medium and large trade.

This is the current situation of various businesses, but it will be different next year, large-scale cashing, deposits and loans.

It is better to save a little, especially the loan and the repayment of the loan, the people return the money and grain, but these are linked to the copper coins, but the value of the silk is not the same in various places, if the silk price is high, the people are forced to repay the silk payment, the people are bitter, if the silk is low, the people are forced to repay the money and silk, and the people are bitter. Or, conversely, the banking division loses money. It will also lead to chaos in various businesses, and once there is chaos, corruption and false accounts will occur together.

So the parishioner proposed that the three things be linked together and unified.

Then there are no such cases.

Wang Ju shook his head: "Everyone. Let me explain. First of all, why prepare the principal. Don't say anything else. Let's just say that when Renzong, the actual number of Jiaozi issued by Renzong each session was not much compared to the economy of our dynasty. But why is it that the number of coins issued is a little higher, or the copper coins are lacking, and the new ones are used to replace the old ones, and the price of the coin immediately plummets? It is the lack of principal to cash out. Besides, this kind of new communication, its cost is very high, and its role is anti-counterfeiting. It is easy to be recognized by the people, another role, as well as to prevent future generations from flooding the distribution. ”

In the Southern Song Dynasty, eleven pennies were only equivalent to one penny copper coin, but this was not ruthless, and the time of the Republic of China was called ruthless.

But the real culprit is the United States, especially the "Silver Acquisition Act", which led to a large outflow of silver from China, and the Republic of China had to issue legal tender. However, because of the calculations of the United States, Britain and Japan, the fiat currency reform failed. The currency has depreciated badly, and the people's hearts have been lost. Therefore, from this point of view, Taizu can be regarded as a hero of China, at least allowing China to walk independently, although it is equally miserable...... However, without this independence, the second ancestor could not reform.

Not only the Republic of China, before Wang Ju crossed, were modernized, but there were also some small countries, because of the indiscriminate issuance of currency, as a result, the country's prices inflated, and the people were not able to make a living.

At this point, Wang Ju admires the US imperialism very much, not to mention that the US imperialists issue dollars indiscriminately and use this to kidnap the whole world to feed their country. If it had been issued indiscriminately, the dollar would have depreciated seriously a long time ago, so why did so many countries regard it as the most important foreign currency savings?

But these kings know, who in the Song Dynasty knows?

But now that the cost is so high, and the principal of gold and silver is also necessary, then no one will want to issue it indiscriminately and rely on silk to make a fortune.

But now, only a few clever people understand.

Wang Ju said: "What is the principal, either gold and silver, or copper coins. The reason why I chose gold and silver in the end is not only that the copper coins are bulky, but that the copper coins are more nervous. For example, to issue 250 million guan silk handover, you have to ask for 200 million copper coins, and if you want to mint more than 200 million copper coins, not to mention lead and tin, it is copper itself, you have to ask for more than 500 million catties of copper, where to get so much copper? So I ended up choosing gold and silver. ”

"Why don't you put the gold and silver silk in line with the copper coins? In fact, it is very simple, gold and silver were originally quasi-currency, and copper was directly used to mint coinage, but they also had other functions, not only as currency, but also as a large number of gold, silver and bronze objects, so they were also commodities. As long as it is a commodity, there will be a relationship between supply and demand, and prices will fluctuate. It's not easy and very careful to be able to tie it to gold and silver, and then to link it to copper coins and gold and silver, guys, do you think it's possible? ”

"But you don't have to worry, cashing silk with money is only this year, and it is limited to the current banking department, and it will not be cashed next year."

"Then these silk handovers ......," said one of the parishmen worriedly.

Before he finished speaking, Wang Ju said directly: "The reason why this year is to use businessmen to circulate it all over the country, and it has been popularized from businessmen to the people, so that everyone can recognize it." Recognition is the biggest premise! With recognition, it's time for the next step. Silk money can be used to pay for the silk materials of various merchants, and silk can also be used for the shipping division and buying, and the distribution of various states and counties, and at the same time, we spend more than 100 million yuan a year, half of which can be paid with silk. Just ask, how many silk deliveries are issued in total. So why do you need to continue to use money and silk to cash in silk, which leads to confusion in the management accounts of various banks? ”

That is, using these channels, the silk delivery has been issued! There is no need to cash in.

"If you don't cash it, you can have the system behind it, and you can only save gold, silver, silk and copper coins, and it is impossible to save grain and cloth, or save a piece of cured meat."

Everyone had fun together.

"Gold and silver are linked to the silk exchange, but the copper coin is not linked, so make a separate account, directly from the affairs of the copper coin and the silk exchange, as for the loan, the loan grain to repay the grain, the loan silk to repay the silk, the loan money to repay the money. But it is not forever not cashed, with the implementation of the banking department, the gap between the north and south gold and silver prices will be smaller and smaller, and when there is no gap, then according to various circumstances, the relevant exchange rate will be formulated. ”

As soon as I said this, everyone suddenly realized.

Wang Ju said: "As for the situation on Jingdong Road, it is easy to handle, although the price of gold and silver has not yet fluctuated, but when it comes to fluctuations, it is too late to remedy." It must be suppressed now. Therefore, after I returned, I ordered the officials of the southern part to find ways to encourage the people to pay taxes with gold and silver, and if necessary, even to give some subsidies to those who paid taxes on gold and silver, so as to transfer the gold and silver from the south to the capital. ”

This is also the advantage of gold and silver as the principal, because it is valuable, the transportation cost is very low, even if it is a million taels of silver, it is less than forty tons, and a small ship, as long as it is closely guarded, will be transported to the capital.

"At the same time, I will ask the three divisions to transfer gold and silver to the past, as well as the gold and silver from the other side of the country, and will also intercept it, and draw out a total of three million taels of silver and 300,000 taels of gold, but not cast into gold and silver bars, just scatter gold and silver, and invest it in Jingdong Road, and the cashing fee will be reduced to two percent, so as to forcibly suppress the bad momentum of Jingdong Road. By the way, you also ordered all the banks of Jingdong Road to write this message and post it as a dew cloth. ”

As soon as this rumor spread on Jingdong Road, the dreams of some businessmen to hoard gold and silver for profit were immediately shattered.

"Tianjue, in fact, if you encounter this situation in the future, you don't need to notify me. Think about it, the entire banking department can use tens of millions of taels of silver, millions of taels of gold, such a huge wealth, as long as it is properly dispatched, how can a few small businessmen stir it? Isn't that 3 percent fee really money? As long as they are suppressed a few times, these businessmen will not dare to think crookedly. ”

"Taibao, isn't it that I don't understand much?" Zhang Shangying sneered, but it is also a fact, don't talk about Zhang Shangying, even Wang Ju is also crossing the river by feeling the stones.

Wang Ju suddenly glanced at him, Zhang Shangying understood, and followed Wang Ju to the back. Wang Ju told Fu Bi's letter.

"How can a rich man be like this?"

"Maybe some of Li Shilang's practices in Luoyang angered him," Wang Ju guessed, and Wang Ju didn't know exactly what it was.

"But it doesn't matter, the court is now controlled by the New Party, at least the New Party does not reject me." Wang Ju comforted himself again.

However, he was wrong, only a few days later, someone opened fire on Wang Ju, and it was the New Party, and he could be regarded as the leader of the New Party - Xie Jingwen. (To be continued.) )