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The package of financial reform plans designed by Changsun Kangning actually includes three parts: the general direction of financial reform, the strategies of financial reform, and the specific deployment of financial reform. However, due to the limitations of actual situations, the reform plan that can be actually implemented is the reform of the monetary system, that is, unified currency...

If currency is not unified, other reforms to the financial system will lose their foundation and cannot be actually operated.

In this case, Changsun Kangning proposed the virtual silver standard paper currency, but silver Jiaozi, like Jiaozi, is not the main circulating currency, it is just a supplement to circulating currency. The most urgent task is to solve the problem of currency unification, which is the real focus.

In the areas currently under the actual control of the Chang'an court, iron coins were used in Hedong and Guan and Shaanxi. Among them, silver silk was used in Guan and Shaanxi, iron coins and Jiaozi were used in Sichuan and Sichuan, copper coins and Jiaozi were used in Jinghu and Jingxi. Jiaozi was divided into Sichuan and Sichuan iron coins and Jiaozi, and copper coins were used in Jinghu and Jingxi. Therefore, it was very difficult to unify the currencies in various places.

The reason why Changsun Kangning first proposed to change Jiaozi to Yinjiaozi was actually based on the interests of industrial and commercial workers in Sichuan, Sichuan, Jinghu and Jingxi. Jiaozi, as one of the currencies for currency circulation, was mainly used in the field of industry and commerce. Ordinary people at the bottom had almost no property, and they usually used physical objects such as iron, copper coins, rice, wheat, cloth, etc. Now Jiaozi has poor credit, which has affected the development of industry and commerce, so the Jiaozi system is urgently reformed to rebuild Jiaozi's credibility, so that industrial and commercial workers can rebuild their confidence in Jiaozi, and then restore and accelerate the development of industry and commerce. For the interests of the industrial and commercial class, the real purpose of Changsun Kangning's proposal to make paper money in virtual silver standard.

From this we can also see that Changsun Kangning has no confidence in unifying the currency, or there is no better solution.

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After listening to Changsun Kang Ning's explanation, Luo Sinan, Huang She and Wuyan immediately learned about Changsun Kang Ning's real purpose, which made the three of them suddenly become alert.

Currently, the representative figures of the industrial and commercial class are huge merchants and wealthy merchants. The goal of huge merchants and wealthy merchants is interests, and pursuing interests is the nature of merchants. In order to gain more wealth, they always try their best to influence the economic decisions of the court and the local government, and now they are trying their best to enter the power center.

The package of financial reform plans that Changsun Kangning came out, in the end, paves the way for the vigorous development of industry and commerce and opens up the way for industrial and commercial workers to seize wealth. Although Changsun Kangning spoke highly of this reform strategy, it can revitalize China and earth and strengthen the people, from the perspective of overall profit distribution, if the future changes are successful, the country and the people can indeed make profits, but the industry and business class are the most profitable.

The different classes of people represent different interest groups, and the goals they pursue are naturally different, and the political concepts and strategies for governing the country are also different. From the perspective of the court, that is, from the national standpoint, the national policy must achieve the goal of enriching the country and strengthening the people, and the national policy serves this; from the perspective of the bureaucratic class, national interests are indeed higher than anything else, but gentlemen take their roots and national policies must take into account the interests of the bureaucratic class, and their interests cannot be damaged; from the perspective of the emerging industrial and commercial class, they must pursue profits, and for this, national policies must seize for them.

To serve the people at the bottom, they are the sheep in the pen. The country, bureaucrats and emerging landlords and merchants are herders. When they fatten the sheep, they have to shear the wool. Then they divide the wool, and the sheep can only eat grass. For them, the national policy is the grass that depends on for survival. Whether these grasses are fat depends entirely on the maintenance of the herders. If they are well maintained, the herders and the sheep live in peace, and they are at peace with each other, poorly maintained or natural disasters occur, which is a disaster for both sides.

Now, although Changsun Kangning performed very hard, he could not conceal his greedy nature in the end. The prospect he portrayed was beautiful and tempting, but he did not actually solve the problem of currency unification, that is, he was selling a castle in the air to Luo Sinan and others.

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"Your idea is not realistic." Luo Sinan immediately rejected Changsun Kangning's suggestion, "Under the current situation, wars are frequent, grain production and reserves are seriously insufficient, land loss and refugees are becoming more and more serious, and the large loss of population directly restricts the development of industry and commerce. At this time, the Jiaozi system was reformed, with paper money as the main circulating currency. The primary problem was that the reserve required for issuing paper money was insufficient, which led to the lack of security guarantees for paper money. As for the virtual silver standard paper money, which is what you call silver Jiaozi, there was no possibility of implementation."

"The actual situation at present is that due to the long-term wars and frequent disasters, as well as the severe blow to the Song Dynasty by Cai Jing's new policy, taxes have dropped sharply year by year, China's wealth has shrunk rapidly, and industry and commerce have even regressed. Therefore, the actual situation is not that the circulation of currency is seriously insufficient, but that the circulation of currency is not unified." Huang She also put forward his own view, "Unified currency circulation at the fastest speed is the current reality. It is obviously a wrong way to issue paper money without actual value to replace iron and copper coins with actual value."

"I don't agree with this approach," Wuyan also said, "Yin Jiaozi itself has no actual value. Moreover, from past implementation experience, when the country's finances are extremely difficult, the court and local governments are prone to over-issuance, causing plundering of the people's wealth and causing chaos. In addition, paper money is also easily forged. If the forgery is too large, the consequences will be unimaginable. From the actual operation, the plan of Yin Jiaozi will also be boycotted by the court and local governments, and the risk is too great."

Changsun Kangning was confident and did not show any uneasiness due to the opposition of Luo Sinan and others. He waved his hand at the three of them and said with a smile: "Next, I will talk about unifying the currency."

"My husband said just now that the most suitable currency is copper coins, but copper is the same as silver. The largest production field and pits are in the south. We have no possibility of minting a large amount, so we can only use iron coins."

"Use iron coins?" Luo Sinan asked with a frown, "Can this solve the problem?"

"This can only solve the problem temporarily." Changsun Kangning said, "The most are the minting coins controlled by the imperial court. The current high-yield iron can effectively ensure the actual demand for currency. In addition, iron coins have a considerable reputation and use basis, and are easily accepted by the people. Third, the value of iron coins is low, so it is easy to convert and pay when taxes are collected."

"We use iron coins to make the main circulating currency, and copper, silver and gold to make the reserves needed to issue paper money, so that paper money can be used to supplement the insufficient amount of currency circulation. Using iron coins and paper money at the same time is convenient and safe, and can be foolproof."

Changsun Kangning never forgets his Jiaozi policy. Judging from his attitude, he must try his best to implement the bank Jiaozi system as soon as possible so as to quickly unify banknotes.

Luo Sinan thought for a long time and asked: "Taking iron coins as circulating currency with actual value, while Yin Jiaozi as the only circulating paper currency. This is the policy of monetary reform, isn't it?"

Changsun Kangning nodded and continued: "In the implementation process, the most difficult thing is exchange exchanges. Local resistance is very large, which involves their interests. We can use the power of the court to force exchange for other currencies, and ultimately make unified currency circulating on the market. This method is simple and reliable. As long as the quality of the new money is guaranteed and the issuance quantity is generally consistent with the actual needs, then the currency reform will surely achieve a smooth transition."

"After the unification of currency, the circulation of social wealth and the operation of industry and commerce will become convenient and fast. The court will support and encourage various preferential policies, and then the financial situation will be improved quickly. Then the court can implement new financial reform policies such as monetization of official salaries, monetization of government expenditures, and monetization of land taxes. If the reform is successful, I believe that within a few years, the financial crisis will be effectively alleviated and enter a healthy development stage."

"However, there is no condition for implementing the reform of the Jiaozi system at present." Luo Sinan said, "I think this matter should be temporarily put aside to wait for the best time."

Changsun Kangning shook his head and insisted on his point of view.

Huang She thought for a moment and said, "Using iron coins as a unified currency has its disadvantages, which is a temporary solution. After we pacified the Southeast and obtained the largest copper and silver mines, we still used copper coins as a unified currency. This should be the best solution. On this basis, we can reform the Jiaozi system and issue copper and silver standard paper money." He looked up at Changsun Kangning and said slowly, "I think your virtual silver standard paper money is too safe and has a great risk. It is better not to implement it."

When Changsun Kangning saw Luo Sinan and the other two, he sighed secretly. Although the issuance of banknotes with virtual silver standard is very risky, the circulation of paper money is mainly limited to industry and commerce, and the potential wealth in this area is far beyond the imagination of the court. As long as more large merchants are allowed to operate Jiaozi Shop, reserve funds are not a problem at all. With the development of the Jiaozi system, the circulation and circulation speed of paper money have increased greatly, which can not only quickly promote the development of industry and commerce, but also effectively help the court overcome the current difficulties. Unfortunately, Luo Sinan and others still do not understand this industry, are not brave enough, and are too conservative.

Suddenly, Changsun Kangning had an idea. Since I got married with the Tiger King, the wealthy businessmen and wealthy businessmen stepped on the ship of the Tiger Fierce Man, and the interests of both parties were gradually tied up. Why didn’t I use the power of the Tiger Fierce Man to jointly reform the Jiaozi merchants in private? We Jiaozi merchants do what the court dared not do. Jiaozi merchants came to do. Jiaozi originated from the people, and the court came forward to control it because of the great influence. Now I have the Tiger King behind me, and I can take action first and then report it. When the fait accompliment is true, even if there is no contribution, it will not be illegal. However, the benefits in it were obtained by Jiaozi merchants.

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Chapter completed!