"It's okay. At worst, I can make a statement. After the river management, I will go back to Zhengzhou to support the Empress. The Third Empress has not been in good health since last year. I have been very worried that after the river management, I will return to Zhengzhou to fulfill my son's filial piety." Zheng Lang said indifferently.

What Pang Ji said has a profound meaning.

A successful river management project will be an unprecedented political achievement. Not only will the officials who directly participate have a great contribution, but the relevant officials will all have contributions, including two governments. If there are no two governments, will there be money to manage the river?

It is still early now. Once the river engineering is about to be completed, a series of reshuffles will occur. As well as Zheng Lang and the river engineering are completed, they will inevitably enter the two governments and become prime ministers again. This will block some people's career path. If you want to find trouble, it is too easy to not have n disputes that year.

This is called "pushing the mill to kill the donkey, not because the emperor wants to kill, but because some scholars and officials want to kill.

Not only Zheng Lang, Pang Ji and Fu Bi were probably going to be killed. The Song Dynasty had also been killed. The Censor connected to the letter, saying that Song Qian was sick and lazy, and chose military officials to be ill-informed. He also gave the internal minister Wang Baoning to secretly ask for help. Yesterday, except for the Imperial Medicine Academy, four people were in charge of the group training and the governor, Baoning was one of them. The officials of the three classes of the court were appointed to officials after the period of time and did not punish them. The emperor's predecessor should take a retreat in the year, so he tolerated him again. He was so generous to his personalities and disobeyed public orders.

Fortunately, Zhao Niannu was not involved.

Lu Hui and other censors successively sent four impeachment memorials.

Zhao Yan, the Right Censor of the Censorate, also discussed the lack of talent in Song Xiang. The two major slander institutions once again joined forces. Song Xiang dismissed the ruling of Zhengzhou. Zeng Gongliang was appointed as Privy Councilor, Zhang Bing and Zhao Yan were appointed as the chief political affairs officer, Ouyang Xiu, Chen Xu, Zhao Gui, and the chief censor Zhao Gui were also appointed as the deputy envoy of Privy Councilor.

Zheng Lang did not think that this was a struggle for merit. Just like Lu Hui, who was involved in the enchantment of Cheng Kan, who was a little talented and a little dangerous, had a strong external appearance and had a dangerous relationship with the powerful, and was promoted by fate, and was disobeying the superiors. He was over 70 years old, so he should return to power. Recently, he was dismissed from the Guanfu. Since he was able to re-elect the commander-in-chief, he should be competent!

In fact, the Song Dynasty was an honest man, and Cheng Kan was even a good official, but they all had no prime minister and said they could not serve as prime minister. All the things written in Lu Hui's memorials were gone.

It has nothing to do with the achievements of the river craftsmanship.

"You want to retreat, have you ever thought about me?"

"My mother, national affairs are the most important. Even if I want to retire, I have to wait for the river construction to be completed. Otherwise, I will return to Zhengzhou last winter."

Pang Ji was speechless.

Well, the Yellow River River work will not be over for a day, just stay there for a day.

However, Pang Ji is seventy years old and it is really hard to deal with so many affairs every day.

Sima Guang looked at Pang Ji's gray hair and said with emotion: "Pang Gong, Mr. Zheng has always respected you. Until today, I have only known how to respect this."

"You master and disciple don't give me candy." After Pang Ji said that, he was happy. He was so tired that he had to be cowardly and was even more worried about Yanchen's heart, but he felt complacent.

He slapped his head and said, "I've pulled you far. Or do you mean serious business and knowledge, why do you have so many errors?"

Zheng Lang said: "It was me who was negligent. In this way, I will write a memorial to explain it. But let me tell you first, it is not that I calculated the error, but that I neglected the tiredness of the people."

"Bloody heart?"

"I have presided over many large-scale water conservancy projects, whether in Jiangdongwei, or participated in Sanbaiqu, or southern development. There is one thing that workers are mostly beneficiaries of future projects. Therefore, their enthusiasm for labor is high. This time, workers are still beneficiaries of future beneficiaries, but this benefit cannot be directly seen from the arable land, and some people are slacking off their work."

This explanation is very clear. If you are a little harder, you can carry five or six square meters of soil a day. If you are a milling worker, you may not be able to bear two square meters of soil a day, which will inevitably lead to huge budget errors.

"I see."

"You can't force me. Once I say it, the officials below will make misjudgments and will be even more urgent."

Pang Ji's name was the first time Zheng Lang asked about commercial tax. Commercial tax was definitely much higher than in previous years, but many bad things happened below, and the tax standards for each commodity were clearly marked with newspapers, newspapers, and other channels. However, many officials still harshly stripped merchants, which led to the attack of the verbal officials and the main reason for the fight between the two verbal officials.

The real reason is this misjudgment.

"You can also see that Yang Guang used the civil servants to build the Grand Canal to be far less than our dynasty. Some people said that there were 1.5 million people, and some people said that there were 2 million people. Because of the huge project and the lack of man Ding, women were recruited to serve. This is caused by the population base. The area of ​​the Sui Dynasty was more than twice that of our dynasty. The number of households in the country was only 6 million, and the number of households near the canal was less than three million. Without the labor of the people, there would not be many. In addition, it was not employment, but the form of share service.

It is the suffering of the people. Moreover, the urgent project is unimaginable. If the large Tongji Canal (Bianhe, with a total length of 650 kilometers), it will be recruited to millions of people and will be dug in March of that year and will be opened in August of the same year. The Yongji Canal (Xinxiang to Beijing, with a total length of 950 kilometers) will be released in Hebei. It will be dug in the first month of that year, and it will be opened in a few months. Just talking about the canal project, the new canal is much larger than the Tongji Canal or the Yongji Canal, but it is definitely not twice as large."

Pang Ji'shou, the Yongji Canal gradually became deserted because Youzhou was in the hands of the Khitan, which made the Yellow River again impact, and became broken and unfathomable. However, the total length was no less than the New Canal, with a width and depth. However, the New Canal has many sand storage tanks, artificial lakes, steep gates, and increased embankments, as well as large and small water diversion irrigation canals. The total project volume is at least larger than the scale of the Yongji Canal. It can be said that the new canal project volume is twice that of the Yongji Canal.

"It is impossible to calculate how large the Grand Canal is. This river management project, including the Huai River control, the canal, and the Yellow River, will not be smaller than its scale. I only talk about the new canal, which is twice the amount of manpower used. If it were like the Sui Dynasty, it could be completed last year. But do I dare?"

Pang Ji couldn't laugh or cry.

The Sui Dynasty built a river in a fast speed, but it would be like the Song Dynasty. There were two days off every half month, and there was also meat to eat, and there was a generous reward. Even the shed and many tools were provided by the court. Even the civil servants in the distant states had to pay the court for the fees on the way back and forth. Dreaming.

It has to be like this. The Sui Dynasty built rivers quickly, but the civilians who dug the embankment had been working day and night for a long time, and were frozen and hungry, and the disease invaded, more than half of them died. Who dared to study? Zheng Lang dared to study. Three million civilians have come, and only one and a half of them are left to go back next year.

Zheng Lang, don’t build the river, go back to Zhengzhou to bring your wife. As for this river, let it become an unfinished project.

This explanation is clearer. Zheng Lang said again: "Just treat it as the court to repay the people. However, if I have an error in my estimate, it is also a dereliction of duty."

However, in the Song Dynasty, as long as it was a lenient measure, it was not a mistake, whether it was sincere or hypocritical. Benevolent politics was at least the theme of the early Northern Song Dynasty.

Pang Ji also smiled and asked: "Just talk about your fruit."

"In the past few years, in order to open source, banks were launched, and I didn't expect it to become a towering tree."

"I can say the same thing, I'm old. Otherwise, I'd also like to see what kind of benefits it will truly spread to the whole country."

Pang Ji couldn't see that day anymore. Zheng Lang did not mention it and said, "The court's income is only a small part of this fruit, and there are many fruits. The first fruit made the people reluctant to kill the hen."

"What's the solution?" Pang Ji was a little dizzy when he heard it.

"The people who borrow money are not only merchants who need funds turnover, but also when the people are in a dilemma. Now the bank is small and has not been released to the people. Once it is popularized in various states and counties, more people will be able to deposit money, and more people will be able to borrow money. Why borrow usury if you can borrow money? One is 10 to 20% of the annual interest rate, and the other is 60 to 300% of the annual interest rate. Who is willing to borrow usury? But if you want to borrow money from the bank, you must mortgage your property. What property does the fourth-class household have? Agrarian land, houses, livestock, and more tenants are also farmers.

The people are burdened with heavy burdens, and some officials treat the people harshly. So they simply bring land into the main household or temple. Of course, the main household and the temple merger are also partly part. Some people encounter difficulties and borrow usury and other reasons to sell the arable land. However, the merger is serious. It will definitely hinder the country. Now, give them a way to solve the problem when they encounter difficulties. Only when there is land can they borrow, and banks do not lend money. This field can not only make profits, but also become a hen for borrowing. Just in case, at least part of it will prevent the speed of mergers."

"It makes some sense, but I can't pick it now."

"It won't be too long, but many fruits can be picked, and the wealth of the people has been peaceful for a long time. Some people have accumulated huge wealth by turning it into money, silk, gold and silver at home, and are even afraid of being stolen, so they are buried underground, resulting in insufficient circulation of money. Some people use usury to make profits, not necessarily because everyone likes to make money, and they are worried that they cannot be collected. But where is the money circulated? Some people use it to trade, even buy officials, and then buy land. Even if the land is low, it is better than burying it underground."

Pang Ji smiled on his face.

"With a bank, it can be used to deposit and get some interest. Furthermore, the bank has expanded its shares on several large scale, and each time it expands its shares, it often costs tens of millions of dollars, which gives these wealth a direction to circulate, reduces the various ugly phenomena of part of the merger of cultivated land and lending usury."

"It seems to make sense, but the bank will eventually have a full stock. What should I do then? Does Xingzhi have a good solution?"

Zheng Lang spread his hand and said, "Brother Chun, what other good methods can I have? Whether it is water conservancy or safety supervision, or land or some, I can dig it out. The bank is my country rich, huge funds and developed business, and I will further utilize this funds. A clever wife can cook without rice. Only when she can cook without rice, where can I cook without rice?"

Pang Ji laughed and asked, "What's the best way?"

"Are there, how many households are there in the Song Dynasty now?"

This problem is really difficult. During the Qingli period, the Ministry of Revenue conducted a rough investigation. The number of households was close to 11 million, which must have exceeded the Ministry of Revenue of the Tang Tianbao People. However, the Tang Dynasty could not find out clearly how many, and the Song Dynasty could not find out clearly. The actual number of households must also exceed this number. In recent years, the population has become more dense. If we check it again, it can reach 13 million households, and the actual number of households may reach nearly 15 million.

"Brother Chun, if the bank shares are full, it must be popularized across the country. Without the achievements of forty or fifty years, it will not be realized. Will the people have 20 million households, or more? I'm afraid it is inevitable. More than 10 million households still have room for development. If the number of households nationwide reaches more than 20 million, where can they start farming?"

It's definitely not a cold joke.

Pang Ji said: "If this is the case, it will be a bad thing."

"If the population reaches more than 20 million households, countless problems will arise in our dynasty, and there will be many crises. If the crisis is not solved well, it will be a crisis, and if it is solved well, it will be a chance."

“How to solve it?”

"Brother Chun Zhi, I haven't thought about it yet, and it's useless to say it." Zheng Lang avoided answering, and could not say it out now, as the picture caused controversy.

Pang Ji was already past the age of curiosity, so Zheng Lang did not answer him or ask him. In fact, he vaguely guessed what Zheng Lang was thinking about. He was both ridiculous and ridiculous.

"The other is the lending of banks, which is conducive to small and medium-sized merchants doing business. Only when there are more small and medium-sized merchants, can the country form a truly benign interaction," Zheng Lang said. It is another fruit. From the perspective of capital, the emergence of large capitalists may not be without profit.

However, this must be put into the big framework of the Song Dynasty.

After all, it is still a feudal country. For example, if Fanlou is listed, its output value will exceed 10 million yuan and even more. However, if politics is not as clear as the Zhao Zhen Dynasty, the Fan family has not found a strong backer. If it is a little tricky, it can change its ownership, and the cost of it will not exceed tens of thousands of yuan.

Officials and businessmen. Officials and businessmen have no officials and powerful people to support them. The so-called big capitalists are just a joke.

For example, Zhang Jun asked one of his servants to persuade him, so he took out 500,000 yuan of money to go to Southeast Asia and brought back one million yuan a year. In addition, there were land, home production, etc., Zhang Jun's assets were at least more than two million yuan. Zhang Jun was not a cow, with more than 100,000 acres of fertile land in Wanchunwei. It was just a small vegetable garden in Qin Hui's family.

In other words, it is a deformed capital model.

At least for now, it is not how many big capitalists are beneficial to the Song Dynasty, but how many middle-class people will be. The external situation also forced the Song Dynasty to need more middle-class people to consume. After all, the economies of overseas countries are very small. If you want a good economy in the country, you have to consume internally instead of improving the economy through exports. For example, Khitans traded with them. Commodities are very popular, but what are the Khitans used to exchange for it. If you want money but no money, no goods, the best thing is horses, and it is also prohibited to sell them to the Song Dynasty.

Unless the Song Dynasty continues to maintain its momentum for more than ten years, it is not important to have Zhao Ji, even if it is a problem with Zhao Gou, it doesn’t matter. If the country is not destroyed, coupled with enlightened policies, popularizing religion across the country and enshrined the people, two or three hundred years later, capitalism will truly appear from the bottom up. It cannot be called the germination of capitalism now, it is very similar, but a fake germination of capitalism has different natures.

This idea can only be kept in mind and said it, but no one can understand it.

"And there," Pang Ji asked. This is a real fruit. In recent years, he is the only one who has managed the country seriously and has a deep understanding. But it has nothing to do with the money used to manage the river.

"Yes, from the end of last year, I felt that there would be insufficient money, so I thought of a way. Banks and states can issue 50 million to 60 million valuable bonds, with an annual interest rate of 5% and repayment in five years. However, when repayment is made, all holders of the bond are registered. The next time the bank expands its shares, the bond holders will be given priority."

Banks have many functions, such as securities, bonds, stocks, futures, insurance, trusts, funds, and leasing. Just one bank can escrow the entire capital market with just one hand.

But it is still a problem, the irregularity of the capital market.

The banknotes in the Song Dynasty were securities markets, which were private transactions. Zheng Lang paid attention to it, and the court did not interfere, nor did Zheng Lang interfere. These advanced things were not a big problem when they were spontaneously formed among the people in the Song Dynasty, but letting the court run them may not be a good thing.

The same is true for this bond, which is guaranteed by the bank's future concession shares, and if there are five years, even if the bank pays dividends, it will be enough to repay.

Therefore, the later generations will not imitate randomly.

Perhaps like Lu Yijian, he is too conservative. But he would rather be more conservative than cause trouble. For example, Jiaozi would rather be more expensive than make people prone to counterfeiting, and would rather be less difficult to circulation than to over-issuance.

Because there have been countless bloody lessons from later generations, each lesson has brought serious turmoil to the country.

The strong enemy in the north is lying on his tide, and there is no capital to turmoil.

Pang Ji's eyes lit up and he said, "This is a good fruit."

Not to mention giving interest, even if you don't give interest, these tens of millions of bonds will be snatched away. You sighed and said, "It can actually be used to start a war."

"Brother Chun, once the war is war, it will not be this little money. If there is too much risk, it will inevitably increase. It is inappropriate."

Pang Ji nodded and felt relieved. With another 50 to 60 million yuan of scattered money, it would be enough to manage the river. He asked: "Xingzhi, how much money will be used this year?"

"I don't know, I guess it will be close to 90 million yuan." Zheng Lang said weakly. The civilians increased by half, and the cost would inevitably increase. However, they were a little guilty. Pang Ji's face turned darker and said, "So much money?"

"Brother Chun, I just asked you about commercial taxes. Although money and silk are used more, they are mostly used on the people. Or, each material, how many people will these materials bring vitality to each person, and how many commercial taxes will be generated? It is just that the imperial court's tax collection is not standardized, otherwise every time the government governs, it will increase a lot of commercial taxes and feed many people. Among the three million people, there are 700,000 victims, at least 1.5 million people from the fifth-class households, four years of Hegong, Chizhou San.

In this vast area east of Menbingzhou, south of Cangzhou, and north of the Yangtze River, I dare not say that all the six and seven households and other households will disappear, and most of the households will be removed from Shaoxiong. Moreover, this management of the work is equivalent to dividing half of the northern area. From Huainan, to Liangjing, and then to the two rivers, many water conservancy areas have been re-divided, and there is another canal. As long as the Yellow River is not man-made within two hundred years, there will be no major disasters. How much help will it bring to the country?"

Pang Ji's face finally calmed down.

In fact, the people were very satisfied. They said that this was the best dynasty in history. As Zheng Lang described it, it was a dreamy dynasty. After a moment of silence, he said: "In this way, you must enter the Secretariat of Zhongshu."

Once the foundation is established, people will still need to manage it.

Even if you stay for a year, what should you do in the future?

Sima Guang was a little sad while being on the side. Zheng Lang used actual examples several times to teach himself and Wang Anshi, but he didn't like to argue too much with Wang Anshi. In fact, Sima Guang was not confused. This was the teacher who wanted to push the two of them to the level and educate himself and Wang Anshi how to be a good prime minister.

But when you think about the rust in the teacher's heart and all kinds of wonderful ideas, can you and Wang Anshi really do all the things that the teacher has?

Thinking of this, my heart was confused.
Chapter completed!