Fan Chunren was speechless.

He could not say that the great rule of Gyeongju was because Wang Ju got a lot of green salt from Yanzhou after the great victory in Gyeongju, and used the benefits of green salt to make Gyeongju better.

If that happens, Quanzhou is driven by maritime trade.

Well, what about Guangnan? It’s a fight against local tyrants and divides land, so the whole nation carnival.

All of them can tell a main reason, but no matter whether these reasons are reasonable or controversial, they are rejected by everyone, but they are found out and cured from all over the place.

Then the question arises, why do other ministers not think of it or dare not do it?

Unfortunately, Fan Chunren regards himself as a high-ranking person. He has never read the three articles written by Zhang Zai later, and has never lived with Wang Ju. Otherwise, he will get an eight-character answer: adapt to local conditions and to the times.

Of course, there must be those conditions. For example, China, the largest country in the Song Dynasty, is now the southwestern Yi, and Wang Ju are also cowardly.

Fan Chunren stayed for a while and said, "Taibao, what are your good plans? You must know that autumn is coming. If Taibao comes back this spring, it will be easier to do it. Let the people pay summer tax with silk materials..."

"I'm back this spring, can't I grow wings?" Wang Ju smiled.

But it is soon. In two years, the technology will be further developed, and then the other side can use steam engines to promote some small and medium-sized ships. If you can do this, you can ignore the monsoon factor. Although this cost will be very high, waiting for the monsoon is still the mainstream of long-term navigation in the sea, but you can go against the wind in an emergency or when transporting expensive commercial goods.

"Besides, what kind of people are in your heart? If they are all the people, I think you may not have the people I love."

Wang Ju said sarcastically again.

The people are like elephants in Sima Guang's heart, and there is no need to say anything about the great master's literati and officials. If this people include all the people, Fan Chunren's love for the people is not as good as Wang Ju.

Just based on this, Wang Juhui made the large-scale scientific and technological support that Fan Chunren was worried about?

"Taibao, what are you going to do?"

"Mr. Fan. This is the decision of the Secretariat. It seems that you have no right to ask about it." Wang Ju said with a smile.

Fan Chunren then remembered Wang Ju's three requests to return, which allowed the emperor to trust and support him unconditionally. He said nothing about it.

So he solemnly gave a tribute: "Taibao, it is not easy for people to live in the people, and I am also considering them."

"I know, at least I will not exploit the common people, otherwise I will not initiate this bank department. And once my move is successful, the Song Dynasty will be more stable. It is not me who will benefit, but I will fight to the Shaanxi Province in the future. But who will benefit? The people of the Song Dynasty, as well as you, and your descendants, should not be deceived by some people."

In short, Wang Ju is not evil to Fan Chunren.

But he would not learn from Wang Anshi stupidly and show his affection to Fan Chunren, but he was disappointed. But he really couldn't blame Wang Anshi. He wanted to reform. Although Wang Anshi did not have golden fingers, he would not see it as clearly as Wang Ju, and he knew that there would be great pressure. So when he returned to the capital, he tried his best to find friends. This was not to find friends, but to hope that more famous ministers would support him.

Fan Chunren is gone.

However, Wang Gui and Zhang Qi were also a little worried.

"Fan Yaofu can't say it's wrong," said Lao Wang.

"Don't worry, prince, don't worry," Wang Ju said his plan together, but in fact, many of them had been written down and sent to the door for deliberation.

"This is a wonderful plan."

"The helpless act made the prince laugh at me."

…………

A few days later, two large dew cloths were posted in various lively areas of Kaifeng City.

Not only in Kaifeng City, postmen have sent many dews to many medium and large cities, and have officials from each city post.

The first is the banking department.

The amount of gold and silver brought back by the other side, the amount prepared by the imperial court, and the amount promised by the other side in the future, the court also planned to continue to prepare. And Lu Bu deliberately wrote something that Japan has discovered many large and large silver mines one after another, and can use trade forms to obtain more than three million taels of silver. Also, the sea trade roads leading to Dashi are all opened. This opening does not refer to the fragmented sailings in the past, but large fleets can sail to the other side. The area of ​​the countries in Dashi is several times that of the Song Dynasty, because the waterways are completely opened, and the trade forms can also be used to exchange for a large amount of gold and silver.

Below this passage, there is a small map, which roughly marks the distribution maps of Central Asia, East Africa, North Africa and Europe. On the other side is the Song Dynasty. On this map, the Song Dynasty is pitifully small...

At the same time, the court also planned to ask them about the Western situation through the channels of picking up the cultists in the capital and the Guangzhou Dashi merchants, as well as translating some Western works and publishing them in the future, so that everyone can have a better understanding of the distant West.

Why do I say this? That is, there are many civilized and developed countries in the West, and they have a lot of wealth. They even use copper coins as currency, but gold and silver coins as currency.

It mainly stabilizes the people's hearts.

In addition, for some smart businessmen, they will have an idea. In this way, the price of gold and silver will not rise in the future, but will fall. Then the price of gold and silver will not rise due to the disorder of the banking department, at least it will not rise. Now it is afraid of rising and not falling. The decline can be regulated. Once it rises, there will be so much gold and silver to regulate it. Second, it will cause many people to spontaneously use gold and silver to join the banking department to avoid the risk of falling gold and silver prices.

Then there is the operation of the banking department. In fact, most well-informed people know about this. It was for this banking department that Wang Jucai launched the Qi Commercial Tax, and then made Wen Yanbo and other powerful people shy and angry, sent people to inquire, and got the ambiguous relationship between Wang Ju and the eldest princess, forcing Wang Ju to run abroad. Then there were two super defeats.

In fact, at the beginning, when some people were rumored, many wealthy families in the capital were panicked. What was this rumor? That is, Wang Ju changed his territory in Guangnan, defeated the local tyrants, and divided the land. So the rumor was rumored to use Wang Ju's approach to say that Wang Ju wanted to "equalize the rich and the poor."

The defeat came later and the truth gradually revealed.

Moreover, the travel agency also exerted its power. On that main line, it divided a line and launched the Jianzhou Tea Picking Festival. There were many places with tea, but Jianzhou tea was the best tea in the Song Dynasty! It led to a large number of copycat Jianzhou tea cakes on the market.

Go to Jianzhou to pick tea and exchange tea leaves for tea farmers for authentic Jianzhou tea cakes!

After the Tea Picking Festival, there is another litchi festival.

Then after walking around, I moved to Quanzhou.

Let’s hear how the merchants in Quanzhou evaluate Wang Ju. So this year, these news gradually brought back to the capital.

Wang Ju did implement the quasi-trade tax in Quanzhou and punished some evil gentry who did everything, but that was a very small number, and most of the remaining merchants and wealthy people benefited from Wang Ju's governance.

Although Wang Ju is not looking for friends everywhere like Wang Anshi, there are many middle and lower-level officials who respect Wang Ju, especially middle-aged and young officials, who have not yet fallen into depravity. When they are full of passion, they often regard Wang Ju as an idol.

Therefore, another news came out. In terms of prosperity, Quanzhou is not as prosperous as Hangzhou, Ezhou, Chengdu and Suzhou. However, in terms of taxation, Quanzhou is almost the same as Hangzhou and Hubei, far exceeding the prosperous big cities such as Suyang.

This does not include the extraction of the ship's manuscript, otherwise it would be almost the same as Hangzhou's income.

You should know that although Quanzhou was prosperous in the past, it reached its peak in history in the Southern Song Dynasty, and was far inferior to Hangzhou and Ezhou in the Northern Song Dynasty.

Isn’t this really the country’s own use without taxes?

Not only did the country use its own resources, but the people also became richer one by one.

As for those bad gentry who were punished, are they worthy of sympathy?

It was not until this time that the people in the capital gradually realized that Wang Ju was not only good at martial arts, but also in governance.

All the banking department has also been exposed.

The changes on Lubu are not much, and most of them are known to everyone. After the establishment of the Banking Department, it will be in one with the Feiqian Department, and the Post Office will not be combined. After all, it has an important responsibility, which is to convey information to the court. Therefore, it is divided into two departments, one is civil letter exchanges and mailing. This department is under the jurisdiction of the Banking Department. It has nothing to do with the Banking Department.

Everyone was not surprised to see this in two. No matter how chaotic it is, is there any chaos in the Song Dynasty?

For example, today's Xifu...

Therefore, the business scope includes the previous business of Feiqian and Post Office, sending money and goods, withdrawing money from other places, etc. Of course, this requires handling fees, and it is also one of the main sources of income for the banking department in the future.

However, this business income must not be underestimated. It was difficult to withdraw money from other places in the past, but it was nothing but lack of money.

Often, in some areas where cloth production, the subordinate officials of the two departments may not be willing to accept the original paper delivery because there is no copper coins, so they have to take out the cloth to the people or merchants. This is a cloth production area, are the people willing?

But now it is different, because a large number of new deals are about to be issued, and it is almost entirely possible to achieve real off-site withdrawals.

The Lubu not only pointed out this point, but also said one thing, that is, within the past five or six years, the court will allocate 40 million kilograms of copper, and the other side will support 10 million kilograms of copper, and cast a large number of copper coins in four times.

In fact, it only takes 50 million kilograms of copper to be combined, and even if you cut corners, you cannot issue 2,000 kilograms of copper coins.

In the past, due to the lack of currency, the Song Dynasty had to mint a batch of copper coins almost every two or three years. Especially after gunpowder was used, the average amount of minting reached more than four million coins each time. However, this number could not even keep up with half of the Song Dynasty's economic increase. Therefore, no matter how many copper coins the Song Dynasty cast, the market still had a shortage of money, and it was even more serious.

In fact, whether to say it or not, these millions of copper coins do not have much effect, but if you say it, it will inspire people.

With so much gold and silver, it seems that with so many new copper coins, Jiaozi has a reputation. Of course, withdrawals from other places can be fully realized.

This means that you can get a lot of profits with this one alone.

The second is the loan-to-deposit interest rate spread. In fact, many well-informed people also know that Wang Ju has already made relevant demonstrations in Qingzhou.

The interest deposited is similar to that in Gyeongju. It is between three cents. The longer the deposit, the higher the interest, the shorter the interest, the lower the interest. There is no current one, but it will not charge a "custody fee" like some money counters.

The interest rate for loans is one cent, but long-term loans for more than three years will increase to one cent or two cents.

If you mortgage the fixed property in your family, if you can mortgage 10,000 guan, you can get 10,000 guan.

The extremely poor people and customers can also borrow loans, but the amount of the loan is relatively small, no more than five jin of money or equivalent to five jin of grain and cotton. If you can't afford to pay it back, you will do short-term service for the court. Anyway, the court has implemented the exemption law, and many servants are short-term service. After the service is over, the government will hand over the service money to the banking department instead of the people.

But don’t underestimate this small amount of loan. When spring famine comes, even if it is a small loan of five jin of money or a grain loan of five jin of money, it will save your life.

Some conscientious officials nodded constantly after watching it, expressing their approval. This is the real Qingmiao Loan!

Isn’t Wang Anshi’s Qingmiao method arbitrarily?

But without Wang Anshi's exemption law, what's the strategy of repaying loans with service?

However, a very small number of officials and some usury merchants all frowned. If this is the case, it will seriously impact their usury market.

So there will be opposition voices in the future, so Wang Ju must be quick and fast!

It is also the reason why Wang Ju asked Zhao Xu to unconditionally support him and give him rights.

But there are still some smart people who see flaws.

Where are the defects?

The interest rate for a penny loan is really not high, but really expect the poor people to borrow it? How much interest difference can they make? This is mainly based on lending to merchants, which is the secret of the Song Dynasty's economy as Wang Ju said. It is better to succeed. Merchants will be grateful and benefit, and the court will also receive a lot of taxes. But what should I do if I fail?

It will inevitably be forcibly collected from homes, land workshops, or other fixed property.

Not to mention worrying about the world, there were really many ministers in the Song Dynasty who worry about the world, including Fan Chunren.

Next, it caused an uproar among everyone.

Because the banking department appeared, from today on, the Qingmiao Law will be abolished and no longer needed.

In fact, everyone has known this one for a long time.

The following two items are the following. Not only will the controversial Qingshou Law be abolished, but from today on, all large livestock and houses will not be taxed without trading.

Large livestock were not counted for households, and in fact, the Song Dynasty also implemented it very early, but later, for the sake of taxation, it was re-invested for households.

What actually caused everyone an uproar was the house behind.

If even houses and houses are not included in households, how many first-class households, second-class households, third-class households, and fourth-class households will be reduced in the Song Dynasty?
To be continued...