Five miles southwest of Xiangyang City, there is Hutou Mountain. The mountain is not very high, the slope is gentle, and it does not attract attention. There is a brush pool on the top of the mountain. Legend has it that Emperor Zhaolie of the Han Dynasty once washed brushes here. The Jin army attacked a few years ago.

After killing and plundering here, the people fled. After Wang Xiaolie took possession of Xiangyang, he set aside a five-mile radius area as a manor controlled by the government.

One day in mid-May, Wang Xiaolie summoned his officials and went to the foot of Hutou Mountain. After entering the garden, he reached the mountainside. A small waterfall came down from the mountain and fell into the pool below, splashing water. Beside the pool

A row of houses are hidden among flowering trees. The peach blossoms around them have long since withered, but the peaches are still green. A few pomegranates nearby are in full bloom.

Arriving in front of the house, Wang Xiaoxing said: "Xiangyang is located between the north and the south. It is neither cold nor hot. Whether it is trees from the south or trees from the north, they all grow well here. The year before last, this area was set aside to plant trees and flowers from all over the country.

.Now that we have achieved some results, and the scenery here is beautiful, you can come and stay here for a few days. Take a look at the scenery and discuss the next political affairs."

As he spoke, he entered the hall. Everyone sat down one after another, and the soldiers served tea.

Invited for tea, Wang Xiaoxing said: "Xiangyang connects the north and the south and has convenient transportation. Many officials and people from the north and the south live here. When I went to Lumen Mountain last month, I happened to meet two former calligraphy and painting academy officials. They

I have been busy for more than half a month, and together with the engraver, I made the Huizi copper plate. I think it is very fine, and it is almost ready for engraving."

After saying that, the soldier took a few stacks of printed huizi and distributed them to everyone.

Wang Xiaolie said: "Everyone, take a look, how does the newly printed Huizi look? Are there any changes that need to be made?"

The officials took the Huizi in their hands and looked at it carefully. They saw that the Huizi was covered with cloud patterns, with Lumen Mountain printed on one side and Zhaoming Terrace printed on the other. The four seal characters "Xiangyang Huizi" were written in the middle of the head, and different money was painted below.

Number. Below Huizi, there are written the words ten, twenty and fifty.

Zeng Dun said: "There have been several kinds of Jiaozi printed in the world, such as Huizi and Qianyin. Although their shapes are different, there is no one like this. Generally, Huizi is printed vertically, but this one is printed horizontally. But this Huizi is printed horizontally.

The printing is exquisite, and nothing else can compare to it.”

Wang Xiaolie said: "Printing horizontally makes it easier for people to spend money. Moreover, it is convenient for typesetting and printing."

Cai Anqiang, a member of the judicial army in Xiangyang, said: "It's not cheap to print Huizi, and the amount won't be too small. But this Huizi is only fifty coins at most, and the denomination is a bit small. If it were popular, the people would be reluctant to use copper coins."

Wang Xiaolie said: "Copper coins are too heavy and are inconvenient to use. People can use Huizi to store copper coins in banks, which is a good thing for the court and the people. Only when banks have enough copper coins can they guarantee exchange at any time."

For a while, there was a lot of discussion. Most people's opinions were that they didn't like this situation and found various faults. Wang Xiaolie answered them patiently, but he was not impatient.

After it gradually calmed down, Wang Xiaolie said: "I invite you all to come today for two important things. One is to issue Huizi, which involves many things. The other is that with Huizi, the people will not be too short of money, and there are many things to do.

Issuing Huizi is not a simple matter. If you issue too much, it will depreciate quickly, which is equivalent to officials robbing people's wealth, and the people will suffer. If you issue less, people will be short of money, and it will still be inconvenient. I decided that in the future, Huizi

Printing is the responsibility of a special Yamen official, and Yang Shen is tentatively in charge of this matter. The number of Huizi's printings will be determined by the Production Department, and Yang Shen will organize the printing. After printing, it will be deposited as a deposit of the Yamen.

Banks. When various yamen need money, they withdraw the money according to the amount determined by the establishment department. If there are no deposits, they can only borrow money from the bank. Deposits have interest, and loans have to pay interest to the bank. Everyone

remember."

Chen Qiudao couldn't help but frown after hearing this: "It's too complicated to do this. The money is taken from the bank, does the bank count as a yamen?"

Wang Xiaolie said: "Banks are not considered yamen, but are set up by the Department of Production and Construction and run by themselves. The source of their money, in addition to the printed huizi, is also the yamen, the money deposited by the people, and the interest collected on loans.

Money. Of course, the bank is run by the Procurement and Investment Department, which is half a government office."

Chen Qiudao shook his head, feeling that this was too troublesome. Now is the time of war, how much money does the government use? If this is the case, it will be too troublesome to withdraw money from the bank. And if there is no money, you will have to borrow money and pay the interest to the Yamen

But it's a lot of pressure.

The officials discussed below also felt the same way. As officials, we are all accustomed to giving orders. Where does the money come from? If there is money in the treasury, it will be withdrawn directly from the treasury. If there is no money in the treasury, taxes will be increased and apportioned to the people. For some small things,

It is up to the officials to pay for it themselves. Now when withdrawing money from a bank, you have to think about how much money you have in your bank account. The procedures are really complicated.

Wang Xiaolie said: "There is no room for negotiation on this matter. To be an official, that is, to run a place, of course you need to know how much money there is, how much work needs to be done, and how much money it will cost to complete it. All future officials must have this

ability."

This is the basis for financial standardization, and of course Wang Xiaolie cannot give in. After this step is completed, budget and final accounts can be made later, and officials can be rewarded and punished according to the financial situation. Unlike before, the assessment was all based on a unified assessment.

After everyone discussed it for a while, Wang Xiaolie said: "I have thought about it again and again, and the number of banks cannot be too small. My initial thinking is that there should be at least three. One is mainly for business, one is mainly for agriculture, and one is specialized in

Regarding postal transportation, please think about whether it is enough."

Who could have thought of this in a moment? After hearing Wang Xiaolie's words, they looked at each other.

Wang Xiaolie waved his hand: "That's all, we have to live here for a few days. You can discuss this later. In short, in the future, Huizi will be spread from banks to the people, and then collected and recovered by banks. As for deposit interest and loans

The interest will be discussed in detail later. From now on, the money on Jingnan Road will be distributed around the bank, which is different from the past. Both the yamen and the private sector must abide by this point."

Why did he do this? To be honest, Wang Xiaolie couldn't explain it at the moment. He just made this decision based on the memory of his previous life and his own understanding. How could he explain the truth at once? This matter is not urgent.

As long as it runs smoothly and is done successfully, there will naturally be smart people in the world who will come up with this idea and make it reasonable. Over time, a complete set of theories will be formed.

The core of this is that banks cannot print their own currency, but must be subject to official control. Each yamen cannot control the bank, and cannot withdraw as much money as they want from the bank, but must make their own budget. The connection point between the two,

It is its own system. Through this system, it firmly controls the economic power under its rule. If it controls the financial power, it also controls most of the power.

This was a practice that the officials had never heard of before, and the hall was noisy for a while. For many people, they didn’t know how to do things in the future.

After everyone discussed it for a while, Wang Xiaolie said: "Another thing, when the people have money, the government will have to consider how to develop -"

Chen Qiudao said: "The money is in the bank. Whether it is the government or the private sector, how come there is money?"

Wang Xiaolie said: "Banks are different from wealthy households. They have no use for saving money, but they have to find ways to lend it out. As long as they can make more money, they can borrow money from banks. Of course, if they can lend money, the private sector can

When you have money. Speaking of which, everyone knows this truth. Just like rich households, if they have more money, they will also find ways to open a treasury and lend money to the private sector. The principle is the same, but who will lend it?

The interest rate is just different. Banks not only want to make money, but also support local development."

Chen Qiudao looked at the other officials and shook his head helplessly: "Observation, to be honest, I don't understand what I'm saying."

Wang Xiaolie said: "It's actually not complicated. Just like Xiangyang and Dengzhou, the climate is suitable for growing rice, and the harvest of rice is greater than that of wheat. If you want to grow rice, you need water. Where does the water come from? You need to build a pond.

, digging canals. In the past, this kind of thing was organized by the government and the private sector paid for it. It doesn’t have to be like this in the future. You can borrow money from the bank to build it, as long as you pay it back with interest in the future.”

Chen Qiudao thought for a while and nodded silently. When Zongze was guarding Kaifeng Mansion, Chen Qiudao was the envoy of the capital city, and he was very effective in controlling the Bianhe River. He couldn't figure out other things, but water control was easy to figure out. As long as he had money.

, there is no shortage of workers, and many water conservancy projects can be started. The government guarantees that the money for water control will be recovered quickly. Once the money is recovered, it can be returned to the bank with interest, and other projects can be built.
Chapter completed!