Chapter 292 I want to open a bank

Zhao Shu, Song Yingzong, may have known for a long time that his body could not support it for a long time, especially this serious illness, which always gave him a hunch: I'm afraid that his idea of rectifying Chao Gang could not be implemented. The king beside him was the one who made Zhao Shu have been worried about him. He saved Di Qing and burned the boat, and Wang side again and again. Rejecting Zhao Shu's beauty, and when Zhao Shu was facing the difficulty of governing the country, it was also the boy who made Zhao Shu feel that he didn't know what to do, and said kind words to him.

Wang saw Zhao Shu sitting in a wheelchair with a thin face, but there was a glimmer of light in his eyes. At this time, he thought of the emperor who could only live in the world for only one year. Wang couldn't help sighing. Sometimes, knowing too much may not be a good thing. He calmed down his mood. Zhao Shu said, "Your Majesty, you sent me to Yongzhou to let me be self-sufficient, but how can the capital operation of a state be supported by the financial resources of a Zhennan king's mansion next to me?"

Zhao Shu's mouth tilted slightly. Wang could see that there was some disdain in his expression. Wang knew that the emperor must have thought he was going to have money again. As he said, he only loved money but not power. Sure enough, Zhao Shu said in a low voice, "If you, I can have today, talk openly, and you have a strong heart. I'm Song, tell me, how much silver do you want? Zhao Shu said this, but he thought to himself that it was obvious that I asked you to solve the emptiness of the treasury, but you came to ask me for money,

"Your Hod, I'm not asked for money. I'm borrowing money, and I didn't borrow it personally, but the state capital of Yongzhou borrowed it from the court."

Seeing that the king asked for money, Yingzong smiled helplessly: "If you want to govern Yongzhou, the court should also allocate funds. What if you don't borrow it at that time?"

Wang's expression was very calm. He said calmly, "Yongzhou, you can rest assured to me, and I'm worried that I won't get the silver two. Besides, the court lent the silver two to Yongzhou, and the court can also send imperial history to supervise and review the use of the silver two. In this way, the silver two I borrowed from the court is used to support soldiers or to build governance. Yes, that's a clear thing at a glance.

Song Yingzong and Zhao Shu knocked on the armrest of the wheelchair with his fingers, and quickly figured out what the boy was going to do, but he thought that today's words had already been said so thoroughly. Instead of guessing what he was going to do, it was better to ask him directly, "Wang, how much silver do you want to govern Yongzhou."

"Your emperor, if you govern Yongzhou well, it's not enough to have a number."

Zhao Shu heard this and said angrily, "You boy, I asked you to give me advice to solve the emptiness of the treasury, but you came to borrow money from me. What's the reason? I haven't counted it yet. Do you still want to talk to the official lion?" He said so much in one breath. After that, he gasped and coughed a few times.

This is the emperor. If he is really angry and can't get up, he can't borrow any money. The king hurriedly patted him on the back and brought water. When the emperor took two sips, he continued, "Your Majesty, this is the same thing. Listen to me. I said that I would borrow money from you, but I will pay interest. This is called looking for The court's loan can be repaid to the court in installments. If I can't pay it back, the court can take back the governance power of Yongzhou. If I pay it all, the finances of Yongzhou will definitely improve. In addition, if you allocate funds to Yongzhou, it is a financial allocation. Whoever is in charge of Yongzhou will not make the financial allocation of the imperial court. All the interest are returned, don't you think so?

What Wang said seems to be very reasonable. The court allocates a lot of funds to each state every year. Among them, the military pay of each state, the construction of water conservancy in each state, and the disaster relief of each state are not small, but none of these can be recovered by the court with the principal and interest, although the states There are all taxes, but if there are enough money, how can the treasury be empty, not to mention which state catches up with the drought and flood. Not to mention that the tax is not up, the relief needs to be paid, not to mention some things about deception, the court's allocation does not need to be practical, the people's taxes are collected, but few are handed over to the court,

In a word, these can't be made clear in one or two sentences. There are too many factors here. Now Emperor Yingzong has considered so much. It's good to listen to Wang's advice. Since Wang is willing to try, why don't you take Yongzhou as an example to test it first? "Wang, you plan to let the official give... No, How much silver taels are lent to you? How can you pay it back?

The king did not directly answer Yingzong's question. He smiled and said, "Your Majesty, if the court borrows me two silver taels, I will pay back the interest once a month at the interest of every six percent of the year, and repay the principal at the end of the year, then I will pay back 100 thousand taels of silver every month, and the court will lend me one million taels of silver, so I pay back 5,30 taels every month. This is not a decimal, but how much are you going to lend me?

"This..." What Wang said is really too **. If every state is like Wang, then the emperor is worried about no money. However, this question is really difficult for Zhao Shu. At present, there is no way to get one million taels of silver in the treasury. One million taels of silver is not a small number. Every year, the Song Dynasty gives the year to Liao Dynasty. More than 200,000 taels, not to mention one million taels is equivalent to 300 million yuan now. The number is not small, but think about the local state capital of a state, do you still have hundreds of millions of construction funds?

Song Yingzong said for a long time and finally said, "The official family believes in you. There is nothing that you can't do without money. It's just that your way of filling the treasury is not good. You are emptying it first and then giving it hope. I think it's not good." He gritted his teeth and said it was not good. Who would think that white silver was not good, but now he has no money to lend to Wang, so he can only endure the ** that doesn't want the interest,

How can the king not understand Song Yingzong's thoughts: "Your Majesty, if the interest of the court is not as high as that, only 3% per year, but it can make the treasury have a lot of silver taels, so that you can lend me one million more, then do you think this can be done?"

Song Yingzong and Zhao Shu looked at the king in surprise. This boy was talking in his sleep. It's better to listen to him. Maybe he really has a way to solve the emptiness of the treasury. "Look at you, you've been around for a long time..."

The king thought to himself, if I don't beat around the bush, can you calm down and listen to me about borrowing money? Can you do it according to my idea?

"Your Majesty, when the former emperor was in office, he once promoted hinged silver tickets and set up official hinge shops in various places. Now it has been six or seven years since this measure. Although there is also income, the income is very small. Weichen has a way to use all the wealth hidden in the people for our court."

In those years, Wang pang proposed Song Renzong to print banknote hinges, which has solved the problem of shortage of copper coins and other currencies. At the same time, official hinge shops were established in various places to exchange various currencies, and at the same time, some handling fees were obtained through merchants to store money. This method has been implemented for five or six years. Now the operation of official hinge shops in various places is becoming more and more mature. Wang Bians also felt that it was time to introduce the concept of modern people's banking,

Zhao Shu frowned slightly and looked at the king. The king said, "Your Majesty, there are two ways. One way is to target the people. The people have rich money on hand and can be deposited into the official hinge shop. In the past, we charged, but now we have changed it to a fixed deposit, such as paying 100 yuan to the people in a year. Three parts of the interest..."

"What, that's not the same as the court borrowing money from the people." This practice is really a little beyond Song Yingzong's imagination,

"Yes, it's okay if you are willing to understand it this way. The borrowed money can also be lent to the local government, just like lending it to someone like me who wants to govern and needs money. As long as the money can be turned around, the money will make money..."

Yingzong is still a little hesitant: "But...but not every official can manage money like you, Wang."

Wang knew the true meaning of Yingzong. He was afraid that the general officials lent to the local government would not be able to cheat. He smiled and said, "Your Majesty, the black gauze hat on my head is my credit. My Zhennan Palace is in kind. These are all collateral. If there are local officials who think credit and in kind can be borrowed by the court, Then why don't you do what benefits everyone?

The more Yingzong thought about what Wang said, the more reasonable it was: "I said, Wang, what you said is a good way, but what if the people don't have so much silver taels in their hands? Besides, even if it's too late to make a list now."

"Your maedity, I just said two ways, but I just said a slower one and a faster one. It can only be carried out in the capital. The court can trigger some bonds. This bond is specially used for the development and construction of Yongzhou. The minimum face value is 1,000 taels. There are many rich people in the capital, and the salary of court officials. Lu is so generous. The interest of this money is 35%. The time is set at three years, and it will definitely be sold out within two months.

Yingzong frowned. What's the idea of Wang's side? It's not enough to borrow money from the people, and the rich officials also have a share. "No, no, if this is open up, it can't be said that the court is poor and crazy."

Wang pang sighed, "Your Majesty, if you don't need this method, I can use it. Since you can't take out the silver taels and refuse to run the official hinge shop, I will open a bank. At that time, I will be self-sufficient and turn around by myself."

"Bank, what are you doing?"

Wang was originally wanted to advise Song Yingzong, but the emperor took too much attention and was afraid that the court would borrow money from the people, so he blurted out that he wanted to run a bank by himself. Yingzong couldn't figure out what the bank meant at all. Wang explained, "The bank is a bank that trades silver, that is, the money bank, private hinge shop, just not If I want to drive, I have to drive something different from others.

Zhao Shu curled his lips and said, "It's different. If it's different, you can solve your use of Yongzhou."

This is really a rush to force the king here. He thought for a moment and straightened his chest and said, "Your Majesty, if you allow me to open a bank, I will settle the payment by myself. But since I borrowed money from others for the court, the court gave me a guarantee. I used my title to mortgage it to the court, so that you neither have to come forward or use it. If you pay money, you can also collect interest. It can be said that all of them are perfect.

"This, is this okay..." Yingzong thought hard, is there such a good thing in the world,