"Taibao, are you going to do it?" Han Yun said happily.

"It sees."

Han Yun understands that the main thing is to look at the output of Xixia, if the output is still very high, it will still be impossible to operate.

"You go to Weizhou first, tell Zhang Zhifu about the situation in detail, and let him cooperate with you."

Wang Ju has a large number of Helan stones in his hands, and it is the lowest price of Helan stones, and then the price gradually rises, Wang Ju still let Han Yun continue to buy Helan stones, but let Han Yun open more than a dozen four treasure shops, some of the shops are still very large, especially the house next to the Xiangguo Temple in the capital, the annual turnover is almost more than 100,000 guan. But this matter has been kept secret, and it has nothing to do with inquiring about intelligence, mainly to manipulate the price of Helan Yan in the future. Therefore, although they continue to buy at a high price, the profits of each mansion store and the profits of Helan inkstone processing offset part of the cost, otherwise the cost will triple after so many years!

Han Yun bought a big mansion in the military city of Zhenrong Zhai, and with this house, he transformed the back garden and miscellaneous houses into four large warehouses. Seventy percent of Helan inkstones are placed in these two warehouses. Nowadays, the reserves are not counted by a single measure, but by tons, and the four warehouses are stacked more than three people high.

Han Yun deliberately asked his nephew to come over to take care of the four warehouses in person, and at the same time asked his nephew to buy some furs to confuse others.

However, it had little to do with Zhang Qi at that time, just because Zhenrong Village was one of the two major mutual markets of the Western Xia and Song Dynasties, and the roads were smooth, which was conducive to the acquisition of Helan stone.

But this investment may not be a loss, as long as the operation can be successful. It is possible to double the investment and recoup it.

Now it's time to find out. When it comes to operation, it is also necessary to cooperate with Zhang Qi.

Of course. If Zhang Kai leaks out, it will only be empty at that time.

But this is not possible.

Han Yun nodded, and asked again: "Taibao, if you leverage the economy of the Great Song Dynasty, will it succeed?" ”

"If you want to leverage the economy of the Great Song Dynasty, it is very difficult, its economy is too large. The only loophole is the banking division, but it is the banking division. Unless the other side comes to operate, neither Western Xia nor Liao has the ability to operate. ”

"The other side is better than the Liao country?"

"The total economic volume on the other side must have exceeded that of Western Xia, but it did not exceed that of Liao, even if it has an annual income, it may not exceed that of Liao."

In recent years, there have been a lot of immigrants, and it may not matter in the Song Dynasty, but these destitute families and the families of the martyrs have migrated away, which is to reduce the burden, but more than 200,000 households have migrated in the past four years. Immediately make the population of the other side surge.

This year, the total population on the other side of the bank has reached more than 8 million, and this total population is almost close to the total core population of Liao (referring to the population directly under the central government excluding the detention area). But although the number of mouths on the other side is swelling, most of them are young babies, and if you want them to be counted, you have to wait until more than ten years later.

So Wang Ju made an objective evaluation, and he said: "If you talk about total wealth, it is even worse than Liao." However, although the total wealth of the Liao State may be several times or ten times greater than that of the other side, it cannot be fully withdrawn.

Therefore, the other side can leverage the economy of the Great Song Dynasty, and at the same time, no one understands, and because it is not easy to operate because of the enemy and us, the Liao State cannot do it. ”

So it's a vulnerability, it's not a vulnerability.

The other side came to leverage the economy of the Song Dynasty, is it really crazy? Even if there are contradictions, they can't be leveraged, in general, the other side must have grown up dependent on the Great Song Dynasty in the past few decades.

Wang Ju said again: "And if you want to pry the banking department, unless you cash out half of the principal of the banking department, under the panic, the merchants will repeatedly cash out, resulting in the failure of the credibility of the silk exchange." On the other side, it is better to say that within the Song Dynasty, if the merchants join forces, with the economy in their hands, and the imperial court does not do anything, it may threaten the safety of the banking department. However, as long as there are no major changes in the Song Dynasty in the past ten years, when the principal of the banking department reaches the equivalent of 400 million yuan of gold and silver, even if these merchants join forces to leverage, it will be very difficult. ”

But it's hard to say, if the internal corruption is completely corrupt, even if Wang Ju has formulated a strict system for the banking department in the past two years, maybe the banking department will collapse with a bang.

"I see, Taibao, I don't know if I can succeed this time."

"Maybe," Wang Ju said vaguely.

The Song Dynasty was long in the economy, and the Western Xia was short in the economy, so Wang Ju arranged it this way, but after all, it was the first clear economic war in history, and it was difficult to say whether it could succeed.

Han Yun did not delay and immediately went to the northwest.

Wang Ju came to the banking department.

Zhang Shangying welcomed Wang Ju to the back hall, and at this time, the workshop behind it had been discontinued, so it was very quiet.

Wang Ju took a sip of tea, made a look, Zhang Shangying understood, let the official retreat, Wang Ju said: "Next year, the ratio of Taizu Jiao, Taizong Jiao, Zhenzong Jiao, Renzong Jiao and Yingzong Jiao is 30 to 30 to 20 to 10 to 10. ”

"Taibao, is the economy still a little embarrassed?" Zhang Shangying immediately understood.

Last year, the number of several silk exchanges issued was different, and the large exchanges were the mainstay, so the silk exchanges made a lot of profits, but this year they were basically the same, and the number of the three silk exchanges of Yingzongjiao, Zhenzongjiao and Renzongjiao was additionally increased, so as to narrow the gap between last year's quantity.

Now that Wang Ju has re-expanded the number of issuances of the Big Exchange, he must want to make a profit with it.

"Tianjue, in fact, the benefits and expenses in the past few years, I have already calculated in my heart. But you also know that the two wars in the South cost a lot of money, which is an additional expense. If the wind and rain are smooth in the past two years, it will be a little better, this year's autumn, Yiluo overflow, the river is broken, although it is not a large-scale flood, but in order to relieve the disaster, the imperial court has spent a lot of money...... So I've done the math, and the economy is still a little tight. ”

Zhang Shangying silently calculated in his heart and said, "It should be okay." ”

The income of the three divisions has nothing to do with him, but the income of the three divisions changes a lot of commercial taxes, and other tax reductions and exemptions, but the annual accounts come out, or the income of the banking division, which has not been reported, but Zhang Shangying is clear in his heart.

"If it is normal, the finances will not be tight, on the contrary. It will be very generous. But save some money. In order to plan for the future war against Xia, at the same time, I asked Zhang Zhifu to go to Weizhou, and there was a secret arrangement, intending to let him launch a general battle next year, so as to further weaken the strength of the Western Xia people. ”

"No wonder ......" Zhang Shangying came to his senses.

The imperial court recruited the strong Bao Ding as a forbidden soldier in the capital, and let Yao Lin go to Hedong to recruit border troops, and Zhang Ji also recruited border troops on Jingyuan Road.

If you don't think about it seriously. It is also normal that the first two fiascos led to the Song Dynasty sacrificing a large number of soldiers, and these people died, and the court had to replenish new officers and soldiers.

But if you think about it seriously, there is something wrong, Zhang Qi has Jingyuan Road's action is a bit big, and the imperial court seems to have provided a large amount of grain, grass, armor and money to Jingyuan Road.

"Taibao, but now the new defeat is not long in coming."

"I know, just let Zhang Zhifu launch a large-scale shallow attack. It is not to invade the inner abdomen of Western Xia, and to succeed in the war. It also needs a super victory to drum up morale. ”

In this way, it will cost a lot of money again.

"Taibao, I have something to say."

"Say."

"Taibao, since these expenses are very huge, it is not appropriate to allocate so much money to let the states and counties build roads and water conservancy."

"Then you are wrong, this is what I want to do the most, even if the financial difficulties are, this year will be allocated, and next year a lot of money will be allocated. In two years, you'll see it work. ”

More than 30 million yuan of money will be allocated in two years, and a state can allocate nearly 100,000 yuan for infrastructure construction, and if farmers are hired and paid 50 yuan a day, 20,000 people can work for 100 days. Don't think that this difference is a bit low, these infrastructure are built at the door of these people's homes, and it is these people themselves who benefit! 20,000 people worked for 100 days, and 1/20,000 spring polders were also repaired.

Think about how much change these infrastructures will bring to the states and counties of the Song Dynasty after they are successful.

It's a pity that Wang Ju is very worried about Zhao Ju's lifespan, and Zhao Ju's suspicions, otherwise Wang Ju will stay in Zhongshu for another year, then the finances will be more generous, it will not be 30 million, and more than 50 million money may be invested.

Once this money is put down, the entire Song Dynasty will undergo earth-shaking changes.

But Wang Ju will go to Shaanxi in the year after tomorrow, once he goes to Shaanxi, he will be ready to do something to the Western Xia, and at that time the money and silk can not be spent, even in the third year, in order to continue to quell the rebellion within the Western Xia, and the relevant governance of the Western Xia, a large amount of money will be spent.

It wasn't until the fourth year that a large amount of financial expenditure would be incurred, but by that time Wang Ju had already left the Song Dynasty, and perhaps Zhao Ju was also no longer alive. With high surging morality, you also expect to allocate a lot of money for infrastructure?

In other words, the Song Dynasty lost a great opportunity to really prosper.

But in the final analysis, it was Zhao Ji's mistake.

If Zhao Ji is not suspicious, since the seventh year of Xining, he has been letting go of population migration on the other side, and then trusting himself more, instead of engaging in some checks and balances, then all this can be launched three years in advance.

I think about it too much, and it's all tears.

Wang Ju stood up in a daze and said, "But don't make a noise about this matter. ”

"Taibao, don't worry, I know the severity."

"Tianjue, I have another idea, ask your opinion."

"Taibao, please speak."

"At present, there are only 100 banks in the banking department, but next year there will be hundreds of banks, and in the future, there will be 4,000 or 5,000 banks."

"Does CPIC mean that management is difficult?" Zhang Shangying asked.

In fact, if the Northern Song Dynasty does not quickly go to extinction, it will not be four or five thousand operations in the future, at least, a county town has to be placed in one business, if Wang Ju takes down the Western Xia, and can make the Western Xia stable, and add some prefectures and counties. In addition to these more than 1,000 county seats, there are also various important towns, and there are at least two or three thousand important towns with a strong commercial atmosphere in the Song Dynasty. These important towns also have to be set up for business.

So it is indeed very difficult to manage on such a large scale, Wang Ju nodded, although Zhang Shangying is quite chivalrous, but this person will become an important minister of the Song Dynasty in the future, and he also has a certain talent, he said: "Forced management is an inferior policy, even if you use private individuals to enter and supervise it, once the scale is expanded in the future, there will still be such and such problems." So I had an idea, and that was a reward system. First, according to its income, even if the borrower borrows more than 1,000 yuan, the broker of the bank will follow up on its management and inquire about the accounts to ensure that the loan can be recovered without major disputes. ”

"This one is good," Zhang Shangying said, if this is the case, some usury merchants will not be able to lend out the money and transfer it to the people for profit.

"What's more, the participation of business brokers can actually provide a good advice to the owners, often with proper counseling, so that at least half of the business will not lose money, and in addition, according to its income, and the number of complaints......"

"Complaints?"

If there are people who are dissatisfied with the business, they can write a lawsuit and put it in the iron box, and the bank department regularly sends people down to check the accounts, as well as supervise its operation, and open the iron box by the way. Commenting on these two items together, those who are inferior will be given punishment of police or even dismissal, those who are intermediate will not be asked, those who are superior will be rewarded with 2 percent of the operational profits, and those who are superior will be rewarded with 5 percent of the profits. ”

In the end, the development of the banking department must be a very large Thomas, if it really reaches four or five thousand large and small operations, just the officials and economists, it may exceed 50,000, or even 100,000. Now the salary is about 50 to 100 yuan, this is a new guan, 50 guan is enough for a family to have food and clothing, if it is 100 guan, not in a prosperous city like Beijing and Hangzhou, then it is enough to live a well-off life.

This salary is also set by Wang Ju, if you want the horse to run, and if you want the horse not to eat grass, it is impossible.

But if you get this reward, the nature is different, think about the income of the banking department at that time, even if it is two percent, it may exceed four million, and one person will share it all, maybe it will be nearly 100 yuan!

Although it is not as good as the county, what is it really compared with the salary of officials?

In fact, no matter how you supervise, these officials and economic people will get some gray income in the future.

"It's a good idea, hey, it can be extended to all fields."

"Field affairs, come on." Wang Ju sighed and said, even if there are rewards, those who dare not offend the powerful still dare not offend the powerful, on the contrary, with these rewards, think about the indiscriminate fines and fees of the Celestial Empire later.

…………

Spring is coming.

Wang Ju broke his head for this money, but it was time for the first step to harvest.

But before the harvest, he received good news, so he hurriedly met with Zhao Ji and reported the situation. That is, the Dao of the Seed Master really completed that road, that is, hundreds of soldiers died, some were injured by poison, some were injured by the harsh environment, and some were injured in the battle with the local barbarians, all of which were not normal deaths, but the price was not high compared to this road.

In fact, there are far more people who die behind the scenes.

However, this speed made Wang Ju feel a little surprised, think about the horrors in that area.

Therefore, Wang Ju didn't want the Seed Master Dao to fall into that pit, and the money allocated was not much.

I don't know what kind of road this road is, but the Planter Dao said that if it is repaired, it will at least meet the needs of caravans.

From this point of view, it is still meaningful, think about how much the fleet has made a big detour from the sea for trade, and it has not been able to achieve real trade with the inner hinterland of Tianzhu.

After hearing this, Zhao Ji also felt very happy.

This can also be regarded as his political achievement, thinking about how many bloody battles the Tang Dynasty fought in order to maintain the Silk Road in the Western Regions. But in his hands, it was done easily. It's just that the objects are different, one is in the middle of the river, and the other is the Tianzhu countries.

"Wang Qing, what does Tianzhu produce?"

"Sugar cane, fruits, kapok, these are not conducive to transportation, or we have them, and there may be a small amount of gold and silver, which is good for our court, but there is one thing, and that is all kinds of spices. His Majesty was wise and immediately thought of its significance. ”

"Haha," Zhao Ji said happily, and he said again: "Wang Qing, do it?" ”

"What does Your Majesty mean?"

Both sides are actually hands-on...... (To be continued.) If you like this work, you are welcome to come to the starting point () to vote for recommendation, monthly pass, your support, is my biggest motivation. For mobile phone users, please go to M. to read. (To be continued.) )