He also provided activities to hunt in the mountains, which allowed Li Longji to play happily for a few more days.

On the way back, Zhang Xiaobao found the opportunity and said to Li Longji: "Your Majesty, I have an idea and Juanjuan, I don't know whether to say it."

"But it's okay to say it." Li Longji felt that things seemed a little wrong, otherwise Zhang Xiaobao would not go around in circles. He asked whether he was right or not. Since he had asked all of them, how could he not say it?

"Thank you, and I and Juanjuan heard what Mr. Zhang said about recruiting soldiers, and felt that it was a little inappropriate. At this time, the government was still rich in money, but as long as we encounter several natural disasters in a row and build some palaces and houses, it may cause money in the treasury to be short of money.

At that time, what money will Your Majesty use to raise the soldiers? Could it be that the governors from all over the world will raise them themselves? Whose soldiers are they raised?"

Zhang Xiaobao asked about major issues related to the country.

Li Long basically agreed to Zhang's recruitment. After hearing what Zhang Xiaobao said, he thought it made sense, but if he had to recruit soldiers according to the previous methods, the people who had finally settled down should run around again, leaving no soldiers available in the capital.

Zhang said that this was also standing next to him. Seeing Zhang Xiaobao objecting to his proposal, he retorted: "Is there a better way for Zhang Zhuan?"

"Of course, there is a good way, but it cannot be used now. I will talk about it after I have done other things. Since I can recruit soldiers, I will use it for a few years. After a few years, I don't have to continue spending money like this."

Zhang Xiaobao and Wang Juan have already discussed this matter, that is, the conscripts, which requires other auxiliary methods. The current conscripts are actually conscripts, but they are slightly different from theirs at that time. The conscripts of the conscripts are mainly less trained, or there are no.

Zhang said he felt uncomfortable. If he had said this by someone, he would not believe it, but if Zhang Xiaobao said it, it would be difficult for him to believe it or not. After all, Zhang Xiaobao and Wang Juan had the skills.

What he meant was that if Zhang Xiaobao and Wang Juan could talk to me first and then ask me to mention it to the emperor, that would be great, but Zhang Xiaobao actually said it himself.

Therefore, Zhang said that he wanted Zhang Xiaobao to tell the specific matters, and then he asked Zhang Xiaobao: "I don't know if Zhang Zhuan can tell the details now, otherwise if you do something wrong, wouldn't your Majesty worry?"

How could Zhang Xiaobao not know what Zhang Shuo thought? He shook his head slightly, "You can't say it. Now that you say it out, it's easy to be used by those who are interested. It will naturally be clear when the time comes. As for Your Majesty's concern, it seems that Chen and Juanjuan have not made Your Majesty worry yet."

Zhang Xiaobao couldn't understand what he said. Zhang Shuo didn't continue to say anything, but looked at Li Longji. Li Longji felt itchy when Zhang Xiaobao said. Seeing that Zhang Xiaobao stopped talking, there was no way, so he could only nod and said, "Then Xiaobao, you have to worry too much."

Although I don’t know if things can be feasible, Li Longji also understands that even if Zhang Xiaobao and Wang Juan don’t do it right, they won’t make big mistakes. They still have a sense of justice.

The matter was discovered by Wu Huifei. Similarly, she once again made people target Zhang Xiaobao and Wang Juan, wanting to see what the two of them were going to do. She had already spread the story of Zhang Wang's family planning to open a money house, saying that they could make a lot of money, and said that Zhang Xiaobao and Wang Juan did not intend to let other people participate, and wanted to make all the money at their own home.

The fact that the story is half true and half false makes it difficult to detect the final situation for a while, especially the Zhang Xiaobao and Wang Juan are directly under the jurisdiction of the emperor. When they encounter someone who is blocking them, they can kill people first and then report the report, which makes many people feel uncomfortable.

Zhang Xiaobao and Wang Juan have not heard this rumor yet, because the rumor started to spread elsewhere. It is estimated that someone in the capital is saying that it has just begun to be said. When it reaches this point, it may be possible to encounter it on the way back.

The two of them followed the team back to Jinyang. Li Longji, who was supposed to stay for two days, was addicted to drifting and stayed for five more days before he got on the boat and went down the river.

Zhang Xiaobao and Wang Juan also breathed a sigh of relief. As long as they returned to the capital, the trip would end successfully. When walking on the road, let the stayed people be responsible for managing the two places, and the news that the emperor was willing to play was spread.

When I came, I had to give the people who were preparing for the front, so I was slow to travel. In addition, it was countercurrent, so I didn’t need to prepare any more when I went back, and it was smoother. The fleet was very fast.

At this time, there was also a market near the iron chain bridge that had not appeared in the market before. No matter what odd and even days or five, the people who got the benefits set up stalls in the markets on both sides, and they still wandered over there without any trouble.

If someone buys things on the other side of the bridge but doesn't want to pay the bridge fee, the people who sell things will deliver the goods. They pay the annual fee, which is very cheap and can pass by casually.

Seeing this situation, Zhang Xiaobao and Wang Juan had to sigh that human wisdom was indeed infinite, because the two of them had discovered that when a merchant was preparing to cross the bridge with his goods, he did not pay the bridge fee for the goods, but found the local people who paid the annual fee.

If the bridge fee for a batch of goods is ten cents, then they only need to give the people three or four cents, and the people will help them transport them to the opposite side, and it will be much cheaper if they come over themselves.

Li Longji also saw this situation and asked Zhang Xiaobao and Wang Juan with a smile: "Xiaobao, Juanjuan, do you think you miscalculated? Didn't you expect it?"

Zhang Xiaobao and Wang Juan knew that such a thing would happen, and it was not a big deal. Such loopholes could not be blocked at all.

"Your Majesty, it's just because there is a market on both sides of the bridge. If you do this, let them do it. As long as you don't fight each other, it won't take long to make some people no longer sell goods, but will wait here for merchants to come and help transport goods."

Zhang Xiaobao told Li Longji about what would happen in the future.

"Oh? Since that's the case, why do you still have to build a market on both sides of the bridge?" Li Longji couldn't figure it out and asked the two again.

Wang Juan stood up and explained, "Because we will soon increase the single price of goods across the bridge, and reduce the monthly fee and annual fee. At that time, people who specialize in transportation here will also increase their labor income. For example, a truck of goods is now twelve cents, which will become twenty-four cents in the future.

People who specialize in helping with transportation here cannot do it like before, with just a little benefit. They will unite to form an organization and bargain with merchants at that time, such as saving half of the money.

If a merchant who often comes here will consider whether he has to apply for an annual fee or monthly fee. We can first make the merchant only have to book a monthly fee, but not allow the year-on-year fee, because in that case, many merchants may not be able to book a direct package. They must know that it is also a blessing to be able to book a New Year. After they pay the monthly fee, they will definitely transport more, so that they can make the most profit.

At that time, we will slightly increase the monthly allowance fee and open a very cheap annual allowance fee. They will feel that the annual allowance is not easy, so they will be able to cover the year. Once the goods are included, it will be their loss. If they are shipped, they will have to find a way to find sales and speed up the speed."

Li Longji suddenly realized and said with a smile: "I understand that in this way, local taxes can be collected more. The more frequent the transactions are, the more prosperous the economy will be. As long as the local government takes out part of the collected taxes to build roads, the faster the transaction speed of merchants.

Good idea, but then you just lost money?"

Li Longji is smarter now and knows some economic relationship with the ***. Of course, he also has a copy of the economics summarized by Zhang Xiaobao and Wang Juan.

It turned out that I was just for the inner school to learn it. Since I mentioned opening a money shop, Li Longji wanted to go to a book. He agreed not to let others know within three years, so he studied it by himself.

Zhang Shuo was also listening to it. After learning about this, he was very happy that Zhang Xiaobao and Wang Juan had made less money, so he breathed out.

At this time, I heard from the emperor that Zhang Xiaobao and Wang Juan compensated money, and then contacted what the two people mentioned above, saying, "Your Majesty, Zhang Xiaobao and Juanjuan cannot compensate at all. Whether it is someone who specializes in bringing goods to others or merchants who are willing to pay the New Year, they all need to pay the annual fee. There would have been no such many people who paid the money, so how could the two of them pay the money?"

"Mr. Zhang said that not only that, but also one advantage is that we can quickly collect the money, collect the money for the bridge repair in advance, and then take it out for other transactions. Otherwise, if we don't have the money to do business, we will have to pay interest."

Zhang Xiaobao affirmed what Zhang Shuo said and expressed another benefit.

Wang Juan continued: "Actually, there is another method, but it's a bit bad to use."

"What method is it?" Li Longji was most willing to hear Zhang Xiaobao and Wang Juan say such things, and thought that he could integrate the economics of that book.

"What's the way? I choose a location that requires a lot of ships to transport. Xiaobao and I didn't pay a penny and posted a notice saying that we wanted to build a bridge here, and we used the reputation of our Zhang and Wang families to guarantee it, and we could also sign a contract with the government.

Then we tell the merchants who are coming and going and the people who are going to trade in both markets that as long as they are willing to take out the money first, the annual fee in the future will be half the cheaper than others. If it is not cheap, we will not take advantage of them and return their money to them."

Wang Juan explained.

"Why is that bad?" Zhang said that it was nothing, it was very fair.

Zhang Xiaobao curled his lips, "Of course it's not good. We are taking other people's money and not using it for nothing. Even if we return the money to them in the future, it is a deception to them. Otherwise, if we have no money, how much interest will we have to borrow?

Therefore, the court should add the law once, that is, this matter must be written in the contract and there will be no loopholes. If the merchant who used other people's money does not meet the requirements, not only should he return the capital to others, but he should also give out very high interest, otherwise he would have to do as written in the contract."

Zhang Shuo and Li Longji and others were surprised. They didn't expect that things could be done like this. It would be too magical. If it weren't for what Zhang Xiaobao and Wang Juan said in person, they would have never expected that such a method would have been done.

Yuwen Rong's eyes shone, and looking at Zhang Xiaobao and Wang Juan was like looking at two babies. Even though the two of them had just shot his man a few days ago, he didn't care. Even if the people on his side asked Zhang Xiaobao and the others to deal with him in Xincai County, he couldn't resent him.

Who would have let Feng Changgong know that Zhang Xiaobao and Wang Juan have a reputation and are unconvinced to fight against it? That's better.

Yuwen Rong looked at Zhang Xiaobao and Wang Juan and said to the emperor: "Your Majesty, there are Zhang Zhuzhu and Wang County Magistrate in the Tang Dynasty. Perhaps the law can be improved a lot, especially in the economy."

"Yes, Xiaobao, Juanjuan, are there any other tricks? Say one and let me listen again." Li Longji agreed with Yu Wenrong's words and asked Zhang Xiaobao and Wang Juan again.

Zhang Xiaobao glanced at Wang Juan, and Wang Juan replied with the look you said.

Zhang Xiaobao then said: "Of course there are many scams, all kinds of scams, but they are all inseparable from them. Like the one just now, it is not a scam. After all, the people who were scammed have not suffered much losses. Another way is to do what the Ning family secretly formed when they were in Luzhou.

Using something that is impossible to make money as a reason and then defrauding the people of money is a real fraud. If you change it, it is the same as the previous one, you can do this, that is, you need to build a bridge in this place and then let the people invest money in, saying that you can give money to the people every month.

Then I used this money to invest, and part of the money I earned was given to the people, and part of it was left, but I was afraid that the investment would fail. That would not only not be able to repay the people's money, but the lie might also run away."

"Is there anything else? It's just that it's not a scam, but it can really make money." Yu Wenrong was fascinated by the fact that he asked again.

"Also, then wait until the money bank is opened, and there is an approval when lending. For example, if anyone wants to build a workshop somewhere but has no money, he borrows directly from the money bank. The money bank cannot borrow immediately because there is no mortgage for this project, and even if it is borrowed, it is only a small part of it.

Even if a person who wants to borrow money invests a little money first, he will not give him too much money. However, if he uses the money he invests first to buy a good-place land and then uses this land and the project to be carried out to borrow, he can borrow more money because this will prevent the bank from losing money.

There are two mortgages. As long as the operation is good, it is a win-win situation. There will be loopholes to take advantage of in this regard. No one knows now. Juanjuan and I need to regulate it in the future. That is, when banks lend, they will not release them all at once, but release them part by part.

What are people who want to borrow money to do? Only by using the money they received in the early stage can they continue to give it to him, otherwise there will be trouble. This is a very common thing and will be regulated in the future."

Zhang Xiaobao talked about this to everyone who listened seriously, and then talked about many other loopholes. Everyone was so excited that they learned a lot. Of course, it would be impossible to use it if they wanted to use it, because Zhang Xiaobao would stare at it.

When we were about to return to the capital, there were several important places around the capital, and the procedures were approved very quickly. To be precise, no one was allowed to **.

Li Longji was very happy, and he hoped to quickly occupy more territory through economic wars, but Zhang Xiaobao and Wang Juan were not happy at all because they found that there was a missing department, that is, the China Banking Regulatory Commission. If they opened a money bank on their own, other people could learn to open a money bank. If there was a lack of supervision, something would happen.

So after dinner, the two found Li Longji who wanted to sleep with Concubine Wu Hui. They also called the ministers who followed him and told everyone about supervision. The money house without supervision was a big bomb, and many things would happen.

Especially when lending to the outside world, this must be standardized. Even if loopholes may still be exploited, the one that can reduce part of it is considered part of it.

Li Longji was worried now because if he wanted to set up a bank supervision committee, he needed someone who was very proficient in this area. Otherwise, he would not know what others did. If he wanted to say that the proficient one was naturally Zhang Xiaobao, but Zhang Xiaobao also invested some of the money in the money shop.

If you let yourself supervise yourself, that is absolutely impossible, but if you let others supervise, who can get around Zhang Xiaobao?

Without supervision, it is impossible to guarantee whether the money bank really acts at that interest rate, nor is it guaranteed whether the money bank uses other means to get depositors' money. Just like being an official, you cannot let the officials in a place be local.

Of course, except for Sanshui County, and the places where Zhang Xiaobao and Wang Juan are located are also the same.

What Li Longji and others are worried about is that others also learn from Zhang Xiaobao and Wang Juan to open a money shop, and then compete with the interest on savings. Then they take out the money to do other things, not afraid of them making money, but they are afraid that they will lose money. Once something happens, the reputation of the money shop will be gone. Who dares to come in to save money in the future?

"Xiaobao, you really can't keep the bank supervision and management committee while operating a money house?" Li Longji was still very relieved about Zhang Xiaobao, feeling that he would not use his power to please him.

Zhang Xiaobao shook his head seriously and replied: "No, absolutely not. This is not a problem with my character, but a must do this. If you don't do this, you can't regulate it. No one can guarantee that you can really face so many opportunities without being moved. You must first eliminate this aspect from the root.

For example, when I usually take money and use money, there must be two people. One is dedicated to the money, but not the money, and the other is dedicated to the money, but not the money. The two supervise each other. If it is large amounts of money, further approval is required.

To prevent a person from managing money and accounting is to tempt others to make mistakes. Once a mistake is made, it is the responsibility of my family, not the responsibility of the person who manages money."

"What should I do? Who can supervise it? And how should I regulate it?" Li Longji was worried.

"I can help train some people. Now Juanjuan and I are opening a money shop. We will not use tricks for a certain period of time. This is still guaranteed. We are temporarily responsible for the management of the money shop, but we cannot let other people open a money shop immediately.

After I have completed training, I will specifically and target the people being trained to cope with the errors that are not too big, so I can allow others to open a money shop and all those who open it privately will be blocked."
Chapter completed!