Wang Ju stared at the boxes of silver in front of him and asked, "Zuyang, why do you use silver to repay the loan?" ”

"Ming Gong is happy with his noble son, and the small one should be regarded as a congratulatory gift."

Qiongniang gave birth to a son, but Wang Ju just closed the door to celebrate, and did not accept gifts from anyone.

But this has nothing to do with Qiongniang's identity, for so many years, Wang Ju has not accepted gifts from others, unless those real friends, such as Zhang Qi, but since they are Wang Ju's friends, they also know Wang Ju's temperament, and most of the gifts they give are not expensive gifts, but just symbols.

"You have a heart," Wang Ju boasted.

Why is there such a saying?

That is, the price ratio of gold and silver in various parts of the Song Dynasty was different.

Song Xia and Alliance, the Song Dynasty to the Western Xia New Year's gift is divided into five kinds: New Year's gift, Qianyuan Festival gift, He Zheng gift, mid-winter clothes, and birthday gift of the lord of the country, but if it is divided from the type, it is 150,000 horses of silk, 1,000 horses of fine clothes, and the rest is tea silver, with a total of 72,000 taels of silver. Over the years, the Song Dynasty has sent a lot of silver to the past. In addition, there was the Hexi Corridor, which was reduced by the Western Xia conquests and the Song and Xia dynasties, but there were still some Uighur merchants who came from the west, bringing some gold and silver to the Western Xia.

Therefore, relatively speaking, the silver price ratio of Western Xia was relatively low, which also lowered the silver price ratio of the Song-Xia border.

But that's just the border.

In the inner belly of the Song Dynasty, the price of silver was getting higher day by day.

As long as this silver is pulled to Guanzhong by some means, it is equivalent to invisibly the Gyeongju government will get two or three thousand more money.

So now is not the time for banks.

The currency is very disordered, forget about gold, that is too expensive. Silver began to circulate. There are silver, various copper coins, iron coins and jiaozi.

The proportions of each currency fluctuate constantly.

Therefore, I want to set up a bank. There must be an abundance of currency, and there must be an exchange rate that is both official and private.

Otherwise, it is the difference in the price generated by these fluctuations, and the return interest is relatively low, and if the officials do not understand or do not act, it will not be long before they will lose money. Or the officials are harsh, just like the current Qingmiao Law, using old grain as a new grain price to the people. Forcing the people to repay their loans with new grain, then taking advantage of the price difference generated by these fluctuations is enough to raise the interest rate to two cents or three cents, or even four cents in disguise!

Referring to the loan interest rates of various banks in later generations, once the loan interest rate reaches two cents, is it still normal?

In short, it was very troublesome, so after Wang Ju saw that the officials were helpless, he invited more than 20 economic people from Zhu Li's family to assist, otherwise it would be the small development fund of Gyeongju. It's messed up too.

Of course, this is a valuable accumulation of experience. When not in use. The right is to develop the economy of Gyeongju, if it is used, this accumulation will be of great help to Wang Ju.

The actual business has reached the step of Zuyang, and it is completely possible to repay the loan without silver, which is a bit of a loss.

Wang Ju boasted again: "I have a heart." ”

"The small ones just can't be rewarded," Zu Yang couldn't cry.

If it weren't for Wang Ju coming to Gyeongju, he would have come today.

"What is in return, what is a parental officer, isn't it normal for parents to care for their children? On the contrary, that's called abnormality. ”

"Small, small......"

"Don't say anything, and you're doing really well, please have tea." Wang Ju personally made a cup of tea for him and said.

The more Wang Ju didn't put on a show, the more kind he was, the more moved Zu Yang became, and his eyes were always moist when he left anyway.

Looking at his back, Wang Ju said: "When the officials do something practical for the people, and the people are accustomed to it, then the country will be fine." ”

That's impossible.

Zhang Qi was lamenting: "It's a pity that it's about to be stopped." ”

After lending so many workshops, Zuyang's workshop can be regarded as having a relatively high rate of return.

But even Zuyang, once all the loans are completely recovered, the scale of the industry will shrink more or less, and it will take at least two to three years of capital accumulation to recover to last year's grand occasion.

Other workshops and industries will shrink more strictly.

For these merchants, they are just shrinking their income.

However, it was very detrimental to the development of Gyeongju, and as a result, these people hired fewer workers, and the business tax was also reduced. This creates a series of undesirable changes.

And this year itself has a drawback, some industries are slow to take effect, because of time constraints, the government has no loans. Otherwise, Gyeongju's economic development will be faster.

Wang Ju whispered: "Brother Qianfu, for such a long time, there has been no movement in the court, can some people really forget about Gyeongju?" ”

It's also impossible.

Moreover, Wang Ju did not give up last year and sent people to secretly spread the truth, which further hurt Wen Yanbo's reputation.

Is Wen Yanbo a good bully?

Look at one thing, Wen Yanbo spent all day drinking in Chengdu, someone was impeached, it happened that Yushi He Sheng was in Chengdu from home, and he went home to save his relatives, Song Renzong said, you inquire about Wen Yanbo for me. But this matter was quickly learned by Wen Yanbo, so he asked the doorman Zhang Shaoyu to pick a top singer surnamed Yang from the military camp who could sing and dance, and brought him to Hanzhou to welcome He Shengcong.

Then I understood, He Shengcong also thought of the Tang Dynasty poet Han Hong, "Zhangtai Liu, Zhangtai Liu, is the past green and the present?" Even if the strip looks like the old days, you should also climb other people's hands", and said to the prostitute surnamed Yang, you are called Yang Tailiu.

Zhang Shaoyu saw that the time had come, so he asked Yang Tailiu to untie the silk silk Luopa around his neck, and wrote a poem. From now on, the willows of Yangtai will be aroused, and the east wind will be danced by thousands of lines.

Then let Yang Tailiu sing.

After a few days of fun, Zhang Shengcong reluctantly left Hanzhou and went to Chengdu to investigate Wen Yanbo.

Zhang Shengcong was serious, but Wen Yanbo was low-minded, hospitable, and then called the camp prostitutes to sing and dance. A large group of camp prostitutes came out, and the leader was Yang Tailiu, and sang solo: Shu Beauty Slender Waist......

Zhang Sheng was dripping sweat from the spot.

Of course, after he went back, Song Renzong asked Wen Yanbo how he was, okay.

Wen Yanbo is on top!

Also, something as big as the Liuta River is not Wen Yanbo's sad urging. On the contrary, Di Qing was sad.

Look at the current court. There are so many things that Yan Bo has done. But he sat as firmly as Mount Tai in the prime minister's seat in Xifu, although Zhao Ji was balancing, he was also capable.

How could such a character be willing to be defeated by Wang Ju?

So this time if you don't have a seizure, once you have a seizure, it will be extremely ferocious.

I'm afraid that Wang Ju will fight back, and he will lose both, and in the end Wang Ju has to leave Gyeongju.

I believe that this time will be very soon, after all, Wang Ju's qualifications are too shallow. And not a top-level official.

"Actually, it's okay, if the court executes this time, Zi'an, you will most likely be transferred out of Shaanxi, then stay at ease for a few years, at least in the future, you won't let people buckle the hat of a military minister."

"Brother Qianfu, so are you."

"Hahaha," Zhang Qi laughed. He and Wang Ju are almost both glorious and humiliated, and they also have huge military exploits, and this military exploit is exactly what many scholars and doctors in the court hate the most. Once Wang Ju left Gyeongju. He was also allowed to be transferred. But he's not at the forefront, hence the tune. Most of them will officially ascend to the position of Zhizhou.

Therefore, one thing has to be viewed from two sides, the positive view is a bad thing, and the negative view is not necessarily a bad thing.

"Zi'an, what if this development fund is implemented elsewhere?"

"Brother Qianfu, I'm afraid it's not appropriate, the reason why I can succeed in Gyeongju is because of the prestige brought by the war, and secondly, the people have salt money in their hands, but that's it, I also invited Zhu Li and their families to send dozens of economists, so there was no problem. Moreover...... Municipal Law. ”

Zhang Qi was silent.

Whether the market law is good or bad, it involves further lending.

It's a little better at the border, you can use the special war zone to prevaricate.

However, in a different state capital, does Zhongshu tolerate this kind of development fund loan?

"In fact, the people's requirements are really not high, as long as the law is enforced fairly, as much as possible to be lenient to the people, and a little more heart, the people will love it, and the political achievements will also be there."

"If that's the case, Zi'an, you can't be stingy at that time, you must teach me."

"When the time comes, you write to me about the situation, and I will analyze it for you and let you refer to it."

Zu Yang explained to the public, I'm afraid you will be transferred away this year.

Wang Ju gave a very vague answer.

In fact, judging by Wang Ju, there is no doubt that he will leave this year.

But if you want him to go away in disgrace, I'm afraid Wen Yanbo won't be easy to do.

So this conversation between the two is planning for the future.

In some respects, Zhang Qi and Wang Ju have similar ideas, if they want to be high-ranking officials, they can't do it without power and skills, but political performance is fundamental. If you have no political achievements and rely purely on your wrists to get to the top, that is, in the art of war, you will never go far like responding to the enemy with treachery from beginning to end.

In military terms, Zhang Qi is very good, but in terms of economy, Zhang Qi is ashamed of himself, at least he is too far behind Wang Ju.

What to do, you have to huddle together.

The City Law is coming.

The economy mobilized by Wang Juneng has a total of four workshops, which are actually four large enterprises.

However, the nature and composition of each workshop are different, the owner of the soju workshop is very vague, it is controlled by Wang Ju, and Han Yun was deliberately sent to manage it, but all its profits are used to subsidize the country, and most of them are used to subsidize the army. Just like now, all the profits are filling the two million promised by Wang Ju.

The second is the bamboo paper workshop, the Gao family accounts for the largest proportion in it, and the rest of the Li family and the Zhu family are similar to Wang Ju, but if Wang Ju does not subsidize the state, the actual profit in a year is also very amazing. But in terms of national use, there are not many, only 10,000 a year.

However, the profits of the remaining two workshops are getting bigger and bigger, and the annual profit of the sugar cane workshop is faintly more than one million yuan this year. However, the shares in it are very complicated, half of the inner treasury, and the rest are Zhao Niannu's, but Zhao Niannu's shares are divided among the children of many clans, as well as Wang Ju's, these two people have the most shares, and the rest are merchants such as Yanzhou, and a very small number of them are also allocated to local Haoqiang in exchange for their support.

Then came the fireworks workshop, which was established at the end, but it developed rapidly, quickly exceeding the profits of the bamboo paper workshop, but its shares were equally complicated, with the ordnance supervisor accounting for half, and the rest were Wang Ju's, as well as the merchants of Yanzhou.

Together, these four workshops made a staggering profit in a year.

However, Wang Ju is not alone, and Wang Ju also took out some of it for other purposes, so Wang Ju promised two million, and it would take five years to hand it over to the families of various soldiers and martyrs.

But in order to avoid suspicion, Wang Ju nominally put it on the head of his eldest brother Li Zhen.

Wang Anshi implements the Municipal Law.

These four workshops are too eye-catching.

Because it was hung on Li Zhen's head, someone had to be sent to Li Zhen to discuss.

However, I don't know what the reason is, Hangzhou Xinfu Yin made Li Zhen disgusted.

After Zu Wuxuan, a few mansions were still good, Zheng Zheng, Zhao Luan, and Shen Li were not embarrassed by the bamboo paper workshop and Li Zhen.

But in the spring of this year, the court in front of the court implemented the law of change in the city, and Chen Xiang replaced Shen Li in the back.

Think about the hatred between Chen Xiang and Wang Ju.

In addition, Chen Xiang has an edict in the Chinese book, aren't you kid silently changing the law, this is Wang Anshi's change, comprador.

The four workshops are comprador together, and the number is huge, all of which exceed the output of the four workshops, not to mention, the big deal is to expand the production is that the price is so low that Li Zhen almost vomited blood after seeing it.

He is the people, Chen Xiang is the official, the people do not fight with the officials, in desperation, he asked Gao Shiqing to convey to the Gao family, while writing a letter to Zhao Niannu, and at the same time he personally rode a horse, regardless of the hardship, all the way to Gyeongju almost non-stop, to discuss with Wang Ju.

After he finished what had happened, he asked, "Brother-in-law, did you offend Wang Jiefu?" Otherwise, how could he let Chen Xiang go to Hangzhou? (To be continued......)