Wang Ming returned from the Yellow River simply.

There is also a capable man in the Sansi. Chen Congxin, who is very poor in moral integrity, but he is quite talented. Whether the moral integrity is good or not has nothing to do with Song Jiu. He is not his subordinate, and the Western Prefecture has no right to appoint and dismiss the power of personnel. What he needs is talent.

Before Wang Ming came back, Song Jiu and Chen Congxin joined forces to do something. They sorted out some bad Fangchang Hedu again, and did not ask if it was caused by the corruption of officials. Anyway, there was not much benefit. They all auctioned them for private operation. From then on, the court only collected rent and no longer directly operated.

Further suppression of the imperial court, and with the abolition of these batch of Fangchang River Ferries, the number of officials decreased and the labor service of the people decreased. In fact, the two cuts of Fangchang River Ferries not only suppressed the imperial court, but also obtained a considerable income for the imperial court.

It was not until Wang Ming came back that he started to do his job.

That's the gold shop.

The gold and silver in Hezhou were not empty, and they were not very different from the gold, silver, silk, jewelry and jade shops in the north of Xiangguo Temple.

But it was not Song Jiu's original intention.

It was not until this time that Song Jiu threw out its purpose.

Not only this gold shop, it selects more than a dozen of the most important commercial cities from the country and opens points.

The first is to issue Jiaozi.

Jiaozi made many mistakes in the Song Dynasty, partly because of piracy, but the main factor was that it was flooded. Tianshengshi only issued more than one million Jiaozi a year, mainly used to solve the money shortage of Bashu. By the time of Emperor Huizong of Song, Jiaozi was issued more than two million yuan a year. Song Gaozong had only half of the country, so he only issued only ten million Jiaozi a year. However, by the time of Emperor Lizong of Song, he had issued 650 million Jiaozi a year.

When it was just issued, because of its small quantity, high credit, but easy to carry, Jiaozi was very popular. There was a situation where Yiguanjiaozi was equivalent to Yiguan1 copper coins. By the time of Emperor Lizong of Song Dynasty, Yiguanjiaozi was only equivalent to 15 cents.

However, we cannot attack it in absolutely.

After all, this era was backward with the concept of business and economic consciousness and did not have much financial knowledge. Although these Jiaozi brought some bad changes, it did make outstanding contributions to the economic prosperity of the Song Dynasty.

Without coins, can barter be used to create a prosperous dynasty?

But at the beginning, Song Jiu was very cautious and issued only 10 million yuan of Jiaozi, which was equivalent to 7.7 million yuan of qian coins according to the Song Dynasty system.

And the amount of money is small, only five or ten.

It is not a paper currency, but a real silk coins. First, the most exquisite silk is made into the bottom of the coin, and then printed with precision printing. This impression and pigment are absolutely confidential.

Then stamp the three-piece seal.

In other words, it is very difficult to steal the seal. And with the seal, then privately casting the three-sect seal is undoubtedly a death sentence. Use this to prevent theft of the people.

It is further stipulated that if the people want to exchange copper coins with Jiaozi, they cannot refuse any gold shop points and exchange them for the people at any time.

With this rule, there would be no strange phenomenon like Song Lizong who could print more than 600 million Jiaozi a year in the future.

The second is withdrawing money from another place.

At this time, it is very difficult to trade in another place. For example, a transaction worth 100,000 yuan alone weighs nearly 300 tons. If it is loaded with a boat, a medium-sized boat may not be able to load it. If it is pulled with a car, it will be even worse. It will take 600 large cars to pull it away.

Not to mention that accidents happen on the road.

Of course, without Song Jiu's policy, the Song people also had a solution, mostly for heavy loads. If they were heavy loads, they were saving transportation, and the other was to avoid the problem of difficulty in money.

But there must be many inconveniences, which also hindered the further prosperity of business.

Now more than a dozen gold shops are scattered all over the country, so this trouble can be avoided. For example, if you save 100,000 guan in the capital and bring a certificate from the gold shop, you can easily withdraw 100,000 guan in cash when you go to Yizhou by paying some handling fees.

Finally, there is a place to deposit money. At this time, there is a place to save money. Each cash counter not only has no interest, but will pay the storage fee on the contrary. Therefore, the people have money and keep it all at home. So, what if everyone is like Song Jiu that day?

So Song Jiu brought the banking system of later generations. There was no interest on current demands. Without a perfect financial concept, it was not easy for gold shops to misappropriate these current deposits. It may produce some benefits, but there are also storage fees. One percent of the annual interest for one to two years is not to collect interest from the people, but to the people. Two percent in three to four years, three percent in four years, and three percent in ten to twenty years, and four percent in ten to twenty years. If you save money to get interest, it is five percent.

The interest rate is a bit low, but it is quite tempting in this era.

For example, many people buy land, which means that they have money but don’t have good investments. The actual land profit is also very low. If the rent is too much, the tenants are unhappy, and they will lose their reputation and have to pay taxes. This leads to many main households hiding the land and may rent them at high prices.

If the descendants are unfilial and they are old, then the deposit and interest rate is a good way to withdraw money. For example, if you have ten thousand guan in your hand, you can make a profit of 500 guan a year, so that the children and grandchildren will not starve to death and are not worried that they will ruin their inheritance.

It is these fixed deposits that can be used for gold shops to lend, with interest of 15%. It can make a profit. Of course, it is not entirely a waste of money. It costs money to build gold and silver, and it costs money to print Jiaozi. In the early stage, Song Jiu also planned to invest 15 million guan, one for exchange for Jiaozi, and the other for lending.

It is also a joint venture system.

The court paid the cost of building gold shops, paid the cost of printing, provided credit and national resources, private financing, and paid 15 million guan. Each accounted for 50%.

But there are many troubles. It cannot be said that it does not disturb the people, but first of all, it disturbs those who lend money loans.

It is not a charity, and it is different from Wang Anshi's method of selling dog meat with a sheep's head. To put it bluntly, it is to make money. Although the interest rate is very low, in order to ensure the income, the people who come to borrow must use a homeland contract and other valuable things to mortgage it. They can't afford to pay back the money, and all of them are confiscated and auctioned to others. The person who lends the loan will not be taken. Even ordinary farmers can use the land deeds as long as they have the land deeds in their hands, and there is no need to borrow a bad loan. But they can't afford it. These lands are infinitely poor, and they must be checked. If they develop sympathy, the employees in the gold and silver will drill out huge black holes and use this to lose them.

So if it continues to be implemented, even though its interest rate is low, there will be controversy.

Also, don’t worry about the amount of loan, you can borrow as much as you spend money in your hand. However, there are problems with the cash rations in various places, as well as the quota for Jiaozi, and other other things.

So Song Jiu stayed in Sansi for many days, estimating the number of copper coins in the world, the number of copper coins in various places, the actual income in various places, and the number of commercial transactions.

You cannot expect it to bring tens of millions of dollars in income to the country in a year. But if it is managed properly, it may be no less than a salt income. Having these millions of coins is different from missing these millions of coins.

If the Secretariat strives for a little more, it can restore the surplus of the three years of Taiping Xingguo. Then, in only three or four years, the court can relax the Northern Expedition.

And the timing is good.

Song Jiu is not expecting to clean up all Zhao Pu's forces now. But the country is in economic difficulties, and with this way to make money, most people will agree. If it is said that it will not disturb the people, it is better not to impose taxes. Is this possible?

Moreover, it not only makes money, but once implemented, it will make the business of the Song Dynasty more developed. It will improve the lives of some people. At the same time, the state's commercial tax can also be levied more. The latter is invisible and difficult to estimate.

Song Jiu and officials from the Third Division worked on for more than ten days and added some plans, such as issuing another edict to prohibit the tax on gold and silver entering the city, so that gold and silver can be further circulated. Reduce the price difference between the localities, increase the role of their quasi-currency, and make up for the insufficient money. Issuing edicts to identify gold and silver coins from the West, pick out seven or eight kinds of gold and silver coins issued in large quantities and quality to estimate them, and then allow them to circulate in the Song Dynasty. But in order to prevent most people from not knowing it, the people are allowed to not accept it. The main reason is that they are still expensive and can be used for bulk transactions. The people do not know them, but the businessmen's managers cannot not know them.

In fact, Song Jiu proposed this matter to Zhao Kuangyin a long time ago. However, Zhao Kuangyin smiled and refused to answer, which once made Song Jiu slander in his heart.

But it wasn't that Zhao Kuangyin did something wrong, it would be difficult to implement it at that time.

At that time, there was insufficient coins, and it was impossible to implement them even in the Tang Dynasty.

Without the development of Hezhou and the education of academy business, there would be no qualified minor officials and managers.

If the country has not been unified and business cannot be called developed, it will not have a good foundation.

There are still many difficulties now, but it is much better than the situation at that time.

Song Jiu handed the draft to Zhao Kuangyi.

The draft is written in detail and may have errors, such as rationing, but the problem is not big. If there is insufficient coins, local governments can take out some cloth to make up for it in time.

Song Qi hummed a few words, but when he saw Zhao Kuangyi rising up, he didn't say anything.

Zhao Kuangyi knew there would be trouble, and Song Jiu said honestly that it would be better than directly increasing taxes. And the benefits are far greater than the disadvantages.

If it were the current finances, Zhao Kuangyi might be hesitant, but deep down he wanted to attack Youzhou. The eldest brother left a lot of money in the inner treasury, but after the battle of Gaoliang River was defeated, it was almost used.

Without sufficient wealth, how can we fight the Khitan?

Zhao Kuangyi asked everyone to disperse.

When he walked out, Zhang Qixian sighed: "Song Gong is even far less than Zhao Gong."

Song Jiu smiled slightly.

Song Jiu and Zhao Pu became mortal enemies, but Song Jiu never had a low opinion of Zhao Pu. Why is Song Qi compared with Zhao Pu?

Poor Li Mu.

It’s okay for Lu Mengzheng and Li Zhi, but Li Mu is a talent. However, under Song Qi’s rule, how can Li Mu play his talents?

The gold shop was successfully implemented.

But not long after, a news came from Fangzhou that Zhao Tingmei arrived in Fangzhou and was in a depressed mood. Moreover, so many emperors and crown princesses died, Meng Chang, Chai Zongxun, Zhao Kuangyin, Zhao Dezhao, Zhao Defang, Li Yu... Zhao Tingmei was worried and afraid, so she died of palpitations and became sick.

Zhao Kuangyi said to his left and right: "Tingmei has been stubborn since she was young, and she has a bad temper when she grew up. I am close to her with the same spirit and cannot bear to judge her with the law, so that she can live in Fangling. I hope he can regret it. In fact, I miss her. I was just trying to restore his post, but I didn't expect that she would die suddenly, and I felt very sad."

He started crying as he said that.

The brotherly love is deep, this touching scene is touching and wiping tears together.

Song Jiuwu had no choice but to raise his sleeves and cover his eyes, otherwise what would he do? He was not capable of acting.

But soon Zhao Kuangyi felt something was wrong again and said something in the Political Affairs Hall: "There is a secret that I have never told. Today I told the family that Tingmei and I were not born to the same mother, but to my wet nurse. Later, she married to Zhao Tingjun, deputy envoy of the Zhao family and the deputy envoy of the military weapon treasury..."

Song Jiu and Zhang Qixian were dumbfounded.

Li Fang could not miss the opportunity and immediately said indignantly: "Donald Fuling is rebellious, and the whole world has heard of it. If your Majesty had not compromised and declared, how could I know about these bans in the palace?"

Zhao Kuang was in chaos.

Zhao Tingmei must not have killed Zhao Kuangyi, but now the eldest brother died unknown, and the two nephews died unknown, and he was also killed by him. In addition, Zhao Yuanzuo was in a resentful manner in the palace, Zhao Kuangyi didn't know what to do.
Chapter completed!