Fan Chunren also woke up.

Will it be a loss, this Wang Ju has been repeatedly assessed, and he will definitely not lose money, and once it is implemented, for all groups, ten yuan Jiaozi is probably the most used, and the denomination is very small, which means that the proportion of its issuance will be the highest among the five kinds of Jiaozi.

If it loses, the court will not be happy.

In fact, there is no loss, that is, the silk material is different, and the price is different.

In Wang Ju's previous life, because of the invasion of the Jin Yuan Dynasty and the heavy crippling of the north, Zhu Yuanzhang popularized cotton in the north, and the mulberry sericulture has been transferred to Suzhou and Hangzhou, and there is no saying that the south and the north are the silk. So much so that after the Celestial Empire, the northern silk was not silk, but silk pressing.

In fact, silk pressing is not bad, but the domestic people recognized that silk is silk, so the manufacturer had to use some chemical agents to remove the yellow color of silk pressing, pretending to be silk. That's where the trick comes in.

So two planes, two differences.

In the current Song Dynasty, because the silkworm growth period in the north is long, it is true that relatively speaking, the raw silk material north of the Huai River is slightly better than the silk material south of the Huai River, and the silk material north of Wuling is better than the silk material south of Wuling.

But it does not mean that the income of mulberry silkworms in the south is low, the north can only harvest two seasons a year, the Jianghuai can harvest three seasons, and the Lingnan can harvest five seasons!

It's too late for the season.

At this time, it is only July, Lingnan is the season of harvesting silk, and the rest of the area has just entered the end, and many families have not yet sold or woven into silk.

However, this season is delicate.

If it is delayed any longer, the imperial court will not have time to purchase silk materials. Without silk material, where does the silk come from?

Be fast again. And we need to control costs. Then the imperial court will inevitably forcibly apportion the rations to various places.

Think about it. If such a large amount of silk material is apportioned, how many mulberry farmers will suffer?

So that's the bone in the egg.

If the cost is compressed, one is easy to imitate, and the other is to be impeached by these people into the imperial court to collect money in disguise, the most serious thing is that after the cost is compressed, the people do not recognize, then Wang Ju will wait for the sad urge.

However, now these people are not thinking about these three aspects.

Fan Chunren hesitated and said, "Don't be in such a hurry. ”

"Yaofu. This son promised to stay in Zhongshu for only three years, do you think he will be in a hurry? ”

"Tomorrow I will write to the official."

Fan Chunren is in.

An Tao said again: "Yaofu, do you believe that this son can destroy Western Xia within six years?" ”

"Perhaps...... Yes. Fan Chunren replied hesitantly.

Let's not talk about Wang Ju's previous great military exploits, let's just say that the power of those two new artillery pieces is not trivial.

"Yaofu, if I invade Xia again, will the Liao State intervene, if so?"

The current emperor of Liao State is considered to be half a faint monarch.

Therefore, the year before last, the Liao State was slow to react. But I heard the news earlier. Immediately sent an envoy to question the Song Dynasty.

In fact, this is similar to Wang Ju's previous life, and Liao is the American emperor. The Song Dynasty was the Celestial Dynasty, and the Western Xia Dynasty was the Wa Kingdom.

The Song Dynasty had a small fight with the Western Xia, and the Liao State was eager to do it, but if the Song Dynasty destroyed the Western Xia, what would the Liao State face?

Even if Yelu Hongji is a faint king, he will understand this truth.

"Yaofu, the first time Liao Guo was slow to react, will they be slow to react the second time?"

If the Liao State intervened, it would be terrible, not only could not destroy the Western Xia, on the contrary, the Song Dynasty was forced to fight on both sides, maybe there was a risk of annihilation.

But is that really the case?

However, in Fan Chunren's heart, that's it.

"Yaofu, during Taizong's second Northern Expedition, didn't Cao Bin and Cao Gong swear an oath, thinking that Youyun could be taken back in an instant. When I was in the summer, why didn't I swear that the summer was just around the corner. But the result? Aren't Cao Gong and Chong Ge capable of recruiting good fighters? ”

It's so misinterpreted.

"Houqing, let me go back and think about it." Fan Chunren finally got up solemnly, and then got up to say goodbye.

…………

The next day, Wang Ju came to Zhongshu.

During this period of time, he will be very busy, first of all, he must be familiar with government affairs, and the restructured Chinese book is completely different from the original Chinese book.

Then a series of workshops will be arranged, which are actually factories.

Although in Wang Ju's view, they are all clumsy machines, but in this era, they are already science fiction machines.

It's not like bringing the craft over and it can come out right away.

This had to be renovated, including the original iron-smelting and steel-making equipment.

Although he also brought some craftsmen with him, he had to preside over it himself.

After successfully getting on the horse, he was able to gradually get out of his body.

But as soon as he arrived in Zhongshu, he was summoned to the inner palace by the eunuch.

"Wang Qing, look." Zhao Ji handed him a piece written by Fan Chunren.

In short, under the influence of An Tao, Fan Chunren's plausible truths also made Zhao Ji confused. However, An Tao may not have intentionally confused Fan Chunren, he was thinking about tragedy in his heart, and it is not surprising that he has such thoughts.

"Your Majesty, Zhang Zihou also came to the minister's house last night and said something confused." Wang Ju's tone is still very peaceful, in fact, Fan Chunren's manuscript raised several concerns, but the tone is relatively peaceful, so there is no need to fight evil.

"The minister also talked to Zhang Zihou about this issue, although six years later, the amount of gold and silver allocated by the other side and His Majesty from the treasury this time can reach more than 3.6 million taels of gold and more than 24 million taels of silver, maybe in the past six years, the country will be able to make up a small amount of gold and silver. However, the minister could not wait until six years later. It must be ...... within another three years"

"Wang Qing, I haven't forced you to give you six years."

Wang Ju sneered in his heart, your body, can be dragged on until six years later, then I will be Amitabha.

But the same cannot be said.

"Your Majesty, one drum is vigorous, two drums are exhausted, and three drums are declining, if you can't destroy the Western Xia in these six years, maybe you will have to count on future generations. But what if the future generations produce a generation that does not last for the worse? What is actually left to posterity to solve is really a bad statement. ”

"Can you issue more?"

"Your Majesty, the secret of it is the high cost of silk delivery. Strong technology. Difficult to imitate. In addition, if gold and silver are used as the principal, how much silk is issued, you can let the merchant cash in as much gold and silver as you want at any time. Therefore, it will be recognized by the people and merchants, and it can gradually replace copper coins and become a new simple currency. Although after these silk are handed over, not many people will cash in, because it itself contains huge costs. But what if? Then the credibility of the banking department is immediately ruined. The large amount of silk issued at the expense of money is worthless. Therefore, the amount of silk must be controlled within five-quarters of the amount of gold and silver. Just like now, the imperial court has more than 2,000,000,000 taels of gold and 1,300,000 taels of silver, which is equivalent to 34 million taels of silver and 68 billion yuan, so it can only issue a maximum of 85 billion yuan of silk money. ”

This number seems scary, folded into more than 100 million, but this is the currency that leveraged the economy of the entire Song Dynasty, more than 100 million. It's actually very little.

"I'm afraid of repeating it."

Repeated cashing is also Fan Chunren's serious thinking after returning home. Worry about the place.

That is, the imperial court will hand over the silk to some means to distribute, and then quickly be exchanged into gold and silver by the people, if the imperial court will hand over the silk in the bank department to distribute, and then exchange, it will require twice as much gold and silver.

Then the big joke will come out.

Wang Ju replied: "This is a mature system, especially the credit of the state, and the control of proportions. As long as the system is perfect, the national credit can keep up, and the proportion is well controlled, the people will agree. Moreover, it is not impossible to prevent it, such as cashing gold and silver with silk, and a certain amount of commission can be levied. Moreover, in addition to gold and silver, there are also a large number of copper coins that can be called in our dynasty. Therefore, there will be some people who are not optimistic about silk sex, but it will not cause the phenomenon of large-scale repeated cashing. Unless there is a point, there are some people of high moral character, such as Gong Wen, who ascended to the top and asked all the people in the country who used silk to go to the banking department to cash out. Even then, it may not cause a disaster, after all, it is issued to the whole country. And when this situation occurs, doesn't the imperial court deal with it? ”

"The most important thing is the approval of the people?"

"Exactly, in fact, one day, there will be enough gold and silver in the bank, maybe the silk exchange will completely replace the copper coins, and only a small amount of copper coins will be needed. Even gold and silver were mostly regarded as a real principal and kept in the banking department, and they were rarely circulated. Moreover, the minister discussed with Zhang Zihou for a long time yesterday, firstly, in order to quickly gather more gold and silver, and secondly, to take precautions. ”

"Tell me about it."

"We haven't quite figured it out yet, and now we've only thought of three strategies. The first edict ordered the south to explicitly stipulate that one tael of silver was worth 2,000 wen, and one tael of gold was worth 20,000 wen, and gold and silver were used to replace the relevant taxes. ”

The main source of gold and silver in the Song Dynasty was in the south.

Although the Song Dynasty no longer levied city taxes on gold and silver because of Wang Ju's proposal, due to various reasons, the price ratio of gold and silver was still lower than that in the north, and one tael of silver was only worth 15,600 wen.

If this edict had been delivered, many people would have paid their taxes in gold and silver.

After all, that's going to save a lot of money.

What the imperial court pays is just some transportation costs, they are all precious metals, how much transportation costs can be generated?

"That's a good idea."

"The second strategy is to use the inner treasury, which is in charge of incense, and most of the spices and jade flow out of the inner treasury, so that the people can give priority to gold and silver when buying some scarce commercial goods. But don't discount it, otherwise it will cause panic among the people. ”

"The capacity of the inner library is limited."

"Also, if it can't cause panic among the people, it's even more limited. Hence the third one, which is to let individuals in. ”

"Personal entry?"

"What the other side promised, plus what His Majesty has allocated now, and what can be collected in the future, can finally get four million taels of gold, which is the limit, but the amount of silver may be more, after all, several silver mines are being mined rapidly on the side of the Japanese country, and there are still many craftsmen and Japanese magnates who continue to look for new silver mines. Therefore, in the future, it will not be a problem to increase the amount of silver to 30 or 40 million. With this data, when eighty percent of the deed shares. and the remainder shall be given by a man two thousand taels of silver, or the equivalent of gold. ”

"This ......"

"Comparatively, the minister talked a lot with Zhang Zihou last night, such as the Qingmiao Law, the Shiyi Law, and the two new laws launched by Jiefu Gong, is the essence wrong? But what about the results? Why, because of the implementation of non-insiders, and for the sake of political performance, or in order to enrich one's own pockets, the two new laws have changed their flavor when they are promoted. There are several benefits to having private access. First, because private entry is equivalent to a lot of eyes on supervision. ”

"I understand, just like the court has placed a minister."

"Almost," Wang Ju laughed, very good, after many times of brainwashing, Zhao Ji was finally able to comprehend some, and said: "Second, it is to be able to quickly collect a large amount of gold and silver from the people." The third is to ease the pressure of mergers. ”

"Huh?"

"Your Majesty, I have ruled the world for more than 100 years, and there are many poor people, but there are also many rich people, who have a lot of money in their hands, which they cannot invest in at home, and they also have to prevent theft and theft, so they have to buy fields or houses. This has led to serious mergers, with house and land prices rising together, and the more they rise, the heavier the mergers become. However, these two items are related to people's livelihood. Although it is placed in the banking department, it can only get a share of the direct income of the banking department, but it is not bad. Chen estimated that as long as it can develop healthily, the annual income will be about 10 million to 150 million yuan, and the income ratio will reach 5 to 7 percent. However, when you put it in the bank, the interest is only three percent. I believe that there will be many people who are tempted. ”

"If so, maybe it's a reduction in some of the annexations."

"Your Majesty, but they are not the most important, they can take out a large amount of gold and silver to invest in the banking department, these people are either rich or expensive, but so much gold and silver are put in the banking department, they will hope for the stability and prosperity of the Song Dynasty even more, which is equivalent to invisibly tying them to the safety of the country."

"Huh."

"The role is more than that, so many people are tied up in the banking department, if there are bad people who want to be unfavorable to the banking division, the deterrence of the imperial court, coupled with the opposition of these people, then what will happen?"

Fan Chunren's worries about repeated cashing were immediately resolved.

Moreover, when Wang Ju introduced the real Qi business tax, the protest will also become smaller.

"As for the silk material, it is easier to do. The minister used a vulgar analogy, the more innocent the people, the more people cheered. Why, the more you don't get it, the better you feel. Even if it is open to individuals, it cannot beg them to join, and the court must put up a shelf. After all, it is more than 5% of the income, think about how much income can be obtained from buying a house and arable land? The value of an acre of good arable land in the north reaches five yuan, but how much rent can you get in a year? It's a bit harsh, one acre and one stone, how much can one stone of wheat be worth? The yield is no more than four percent. Besides, how many masters can be so harsh? Besides, if you don't have power, you have to pay two taxes from the imperial court. ”

"That's what I said."

"Therefore, if you want to join, you must buy silk materials for the imperial court."

"Ahh

"This is the shelf set up by the imperial court, it is not that the imperial court begs them to join, but they have to beg the imperial court to take the initiative to join, and the condition for joining is to buy silk materials for the imperial court."

In fact, the cost problem has been carefully calculated as early as the other side, although there is no guarantee that the various businessmen and magnates can make a profit by buying silk materials, but it can guarantee that they will not lose money.

This is the first premise, if you lose money, no matter how much the bank makes money, not many people will want to join.

Moreover, the establishment of the Flying Money Division provides convenient conditions.

After the merchants paid the money and silk in the Fei Qian Division on this shore, they asked the housekeeper to go to the other place to collect the money and silk with the voucher of the Fei Qian Division, and then they could buy silk from the people.

Because it is a private purchase, there will be no forced distribution of all kinds of bad situations. But because it is a private purchase, they will also control the cost spontaneously.

Even if it is Lingnan, the speed will be very fast, with the credentials of the Feiqian Division here, you can quickly ride over there, and you can reach Lingnan in ten days to officially acquire.

Fan Chunren was worried about the silk material matching problem in the middle of the night, and it was also solved immediately.

"Your Majesty, also, as the imperial court, these magnates are tied to the imperial court, which is more conducive to their loyalty to the imperial court, but as their point of view, why don't they want to be tied to the imperial court?"

Are they really all the Cao family, the Gao family?

Saying this, Zhao Ji immediately smiled, but he asked worriedly: "If you destroy Western Xia, will the Liao State help Western Xia?" (To be continued.) )