In the past, I always felt that the money I had was not enough and tried my best to collect it. Xu Ping really came up with a way to make money, but he was worried that the money I had couldn't spend and could not generate interest. Xu Ping could understand this kind of consideration that treasury bonds were also debts, and the money used was borrowed. If you borrow money, you had to find a way to make money to repay it, otherwise you would face a situation where the annual funding was less than a year.

Seeing that many people present agreed with Cheng Lin's doubts, Xu Ping smiled and said, "In fact, there are many places in the world that need to spend money, but the government has a lot of money in hand and can't do it. For example, there are many roads, bridges, and those who have been disrepaired in the world, not to mention that many places have no way out. Using the bridge road wing army to repair it, the officials and the people will pay together to benefit together. The maintenance of the future will still have to be done by the Xiang army. If a company is established with a part of the Qiao Road wing army, the bridge is repaired and the road is paid for, and the road is repaired and collected.

What's wrong with the taxes you get? Not only roads, bridges, canals, wharfs, canals, etc. Canals, can other restaurants, can they handle this? For example, Sansi's business, such as textiles, cotton, agricultural tools, and various debris, are now allocated money to make accounts with the same amount of money? Can it also be used as a company? As long as these are done, the people can also make money with people, such as vines and trees, and can they lead private companies."

Industry can be cultivated, just like planting trees. When trees appear, a new ecosystem will appear.

Chen Zhizhong couldn't help but frown: "A lot of the money used by Sansi now comes from shops and these new business services. Let them set up a company. Will Sansi have no money to use in the future?"

Xu Ping said: "I have been very concerned about it. Even if I set up a company, Sansi will be the owner. Of course, the money I earn is managed by the owner. Not many private shops are like this now? Several companies jointly contribute money to do business, and even many people who contribute money don't care about the shops at all, just waiting to share the interest. Sansi can also handle it accordingly, and the account management is clear."

There are many private industry and commerce similar to later joint-stock companies, but there are no written laws to fix this business. Everyone has been local officials and is not unfamiliar with this, so no one has objected to Xu Ping's proposal. However, the most common official industry in the past was the puff-buying system. Regardless of the quality of the contractor's business, the official income must be guaranteed first. Xu Ping now proposes this kind of business to bear the risks of the business by the official. Although the benefits will be much, officials at risk are unwilling to do so.

After a while of discussion, after all, Xu Ping, the provincial head of the Sansi, still respected his opinion. He first tried to see the effect. If the risk was too great and the benefits were not great, he still had to find another way.

If these industries meet the conditions of capital and market, they will exhibit how fast and how large they will develop. Apart from Xu Ping, there is no concept of what Xu Ping said. Xu Ping knew that the new business he built when he was the deputy envoy of salt and iron in Kaifeng City was not fast. In a short time, the scale of the newly developed garment industry in Luoyang City was far beyond the scope. The business purpose was unclear, and they could not take any steps in all aspects, and there was no motivation to expand.

Not to mention anything else, I will just take out one of those new businesses, such as the enamel industry. I don’t know how big the market space is. Who doesn’t need a basin? It needs to be used to wash faces, wash clothes, and cook. Nowadays, the common wooden and porcelain basins are not strong and bulky, and the cost is much higher than that of enamel basins. The market channels of Sansipuzi are spread out, and this industry can create countless profits. The various industries are mixed together and will not be smaller than the cotton cloth industry on Jingxi Road.

As long as the economic system is straightened out, there will be only those who don’t have enough money in the bank to borrow, so how can they not be borrowed?

Seeing that everyone had no objection, Xu Ping said again: "This bank cannot be just one of the three Zuozangku, otherwise it will not do well in the end. It will easily lead to the inseparability of the government and private affairs. All the yamen will reach out to the place and eventually become a mess. In addition to the bank established by Zuozangku, a bank that specializes in loans for each yamen will use tax as the principal. The bank mainly lends to the yamen, so the interest rate will naturally be slightly lower, but the annual tax revenue will still be paid. Moreover, the cost can be paid from the construction of roads, bridges, etc., and the interest rate can be paid from here. Although the interest rate is low, the income is stable."

This is a policy bank, which separates official lending from commercial banks, which is conducive to management. Moreover, for major public welfare construction projects, the repayment cycle is long, and when commercial banks have other options, they do not like lending. Of course, the profit requirements of such banks cannot be the same as commercial banks, and mainly serve official policies.

"The third bank should have a portion of the capital from the three departments and the inner warehouse each. The first bank example will be divided by the three departments and the inner warehouse after the profit is obtained." Speaking of this, Xu Ping held the scepter and bowed to Zhao Zhen, "I just don't know how much capital His Majesty is willing to take out. The capital hidden is more, and the profit is more."

Zhao Zhen knew that Xu Ping would definitely put his ideas into his inner warehouse in the end. After several three commanders, no one did not think about this. Of course, the only one who really did was Ding Wei. At that time, Zhenzong had no money to seal the east and west sacrifices, and he had to help Ding Wei, allowing him to master the account book of the inner warehouse again after Taizong. And it was also limited that only Ding Wei knew, and even the prime minister of the dynasty was the only one who was allowed to know the number of inlets and outs of the inner warehouse.

After hesitating for a while, Zhao Zhen asked, "If you invest money, then what bank will not lose money?"

Xu Ping smiled and said, "Your Majesty, have you ever heard that people who lend money in the world lose money? What's more, the capital of the government!"

Zhao Zhen was still a little worried: "What would happen if the warehouse didn't invest money in it? How is it different from now?"

"Since the cotton cloth sold on Jingxi Road last year, the price of silk has dropped. In the future, it will be inappropriate to collect silk from the Xia Tax. Even the silk stored in Zuozangku and local prefectures and counties now have to be concentrated and transported to Mizhou and Mingzhou, sold to foreign countries, or to horses in the northwest market. According to the idea of ​​the minister, the silk in the Xia Tax was cancelled one after another, either turned into force or local products, and these things could not be entered into the inner warehouse. Moreover, with the money supervision and printing, of course, there is no reason for newly cast copper coins to enter the inner warehouse."

Zhao Zhen frowned and his face collapsed. Several major sources of the inner warehouse were the newly cast copper coins that entered the inner warehouse every year, and more than 60 state military summer taxes, which were rich in silk, entered the inner warehouse. Then the taxes drawn by the Maritime Bureau were entered into the inner warehouse, and the others were all small heads. As a result, according to Xu Ping's intention, the two major sources of wealth were cut off at once. The only thing that sounded like the Maritime Bureau would increase its income was not known if it could last long. Without money in hand, how could this emperor be the one?

After thinking about it, Zhao Zhen said: "I will think about the income and expenses of the inner treasury carefully and discuss it later."

Li Di was just hearing this, and after hearing Zhao Zhen's words, "Your Majesty, all the capital of the Three Divisions has been invested. The officials in the world are willing to spare the salary and clothing. Why can't your Majesty bear the money in the inner warehouse? Last year, the money and food on Jingxi Road increased dramatically, and the world saw things that are seen by the Jingxi Road. Now it is just doing it according to Jingxi Road. What are the risks? Why bother to discuss it again!"

"I think about it again, I think about it again." Where did Zhao Zhen make this decision? The internal warehouse has its current scale, and it was managed by three generations of emperors in a row. It is not that easy to transfer money from normal finances. If it is all done all at once and then wants to fill it up, the outer court will not give Zhao Zhen another chance.

Li Di is an old minister of the Eastern Palace. The emperor is the most trustworthy person, but when it comes to such matters, he must be strictly guarding the internal warehouse. Can the emperor be given money by the Sansi? As long as Sansi has money in his hands, what's the matter with saving private money?

In the entire Chongzheng Hall, no one helped Zhao Zhen speak. As long as these ministers had the opportunity to empty the warehouse, they would definitely not miss the opportunity. Once they had the financial power, it would be difficult for the emperor to make some small moves.

The emperors are loyal to each other. The emperor is a human being, with relatives, friends, and flattering villains, of course, their benefits are indispensable. Therefore, relying on the emperor's self-discipline is untrustworthy. The best way is to take over the power and exercise it by the foreign dynasty. Fan Zhongyan impeached Lu Yijian, one of which was that he invaded the imperial power and seized the power of the emperor as a traitor. But on the other hand, he never felt that Kou Zhun was acting traitor on behalf of the emperor. As long as he was dedicated to the public, it was natural to exercise power on behalf of the emperor.

This is a very contradictory mentality. When you feel that the treacherous ministers are in power, you will shout that the king cannot delegate power. But when a gentleman is in power, it will be different. You think that the emperor should not take care of everything, just use it with the right person.

Xu Ping did not expect that he turned the topic to the internal warehouse, which had unexpected results. Everyone suddenly didn't care much about the new policy and did not question it. Perhaps in the hearts of these ministers, they would feel that there was nothing wrong with the new policy. If it really played the role of regaining the internal warehouse back to the control of the external government, then the benefits outweighed the disadvantages.

Xu Ping really didn't want to seize Zhao Zhen's financial power. He suggested that the inner warehouse investing in a different bank was good intention. The benefits obtained in this way were much better than letting the cloth piled in the cusp. He didn't want the outside ministers to know how much money the inner warehouse was, so the bank's accounts were not disclosed. He just needed to let the Sansi and the people in charge of the inner warehouse know that it was still the situation Ding Wei was at the time.

Seeing that Zhao Zhen did not let go, Xu Ping said: "Your Majesty can calmly consider how to deal with the internal warehouse. Anyway, it has nothing to do with other matters. If the ministers are no longer concerned about what they are discussing today, the three departments will start to organize their accounts, build the framework, and then choose the right person to take charge of it."

Zhao Zhen was forced by the matter of the Inner Library. If he objected again, everyone would think that he was out of selfishness and could not bear the interests of the Inner Library. After Xu Ping said that, he had to remain silent.

Li Di came from Jingxi Road. The new policy there was to consolidate his position, and the same was true for another prime minister, Chen Yaozuo. There was no objection at the moment, so that Xu Ping could officially start the relevant reforms, list the articles, discuss the specific content one by one, and select candidates at the same time.
Chapter completed!