"The attitude of the official is to stay at home and not express it," said Wang Ju.

"This is not a solution either," Han Yun said.

If you stay at home and don’t send it, you can’t keep it secret. As long as you pass it out, there will be many prestigious old guys living, just among the officials in Beijing. Because Fu Bi has a gentle temper, there are also many officials who support Fu Bi.

Fortunately, this was a letter written by Fu Bi when he was dying. Maybe Fu Bi was a little confused at that time. Unexpectedly, Liang Tao would publish the letter to the public, so the blow was too great.

For example, Wang Gui, can you say that he is inaction or that he is the prime minister of the Three Orders, but can you say that he is a treacherous?

He is not a new party either.

So when Lao Wang learned of this letter, he was so angry that he bit his teeth.

However, the problem is not Liang Tao. Liang Tao alone cannot make a big wave, and the root is Fu Bi. But the problem is that Fu Bi is dead, and even if Zhuge Liang is alive, he will be helpless.

Wang Ju sighed: "I am back this time. In my opinion, the biggest enemy may be Wen Yanbo or Sima Guang, but I never expected it to be Fu Bi."

"I heard that the rich man is a good minister."

"It is precisely because of his reputation that the situation is serious."

"How could he say that?" Han Yun asked dissatisfiedly. Even if Wang Ju is scheming, how many top ministers are not scheming? Is Wang really a good man?

However, it cannot be said that Wang Ju is Cao Cao and Wang Mang.

Wang Ju said: "Brother Han, this matter is actually more complicated. For example, Fu Bi, is he not wanting the Song Dynasty, is he okay? Sima Guang, is he not wanting the Song Dynasty, too. What is the problem? Just look at Sima Guang's thoughts. Their faction's idea is to be orderly and the country will be stable. But if the venerable is happy, what should the venerable do?"

"Each of them has their own methods, such as the Brahman caste system in Champa. You were born noble and you were born lowly. So what else should I say? There is also one in China. For example, the Nine-rank Zhongzheng system during the Southern and Northern Dynasties. Even if Liu Yu became the emperor, he had to bow his head to those clans. This system has been extended to the Tang Dynasty... It was not until our dynasty was a little better. Especially the ancestors yelled out the Qi people, whether they were real Qi people or fake Qi people, in this sense, it was indeed an amazing progress."

"At least compared with the previous dynasties, our dynasty gave the humble more vitality and dignity. However, as our dynasty ruled for a long time, the powerful and powerful were able to stabilize through grace and bondage. Therefore, their ideas were retro and regressed. Although they did not want to restore the aristocratic system of the Southern and Northern Dynasties, they also knew that if the country was stable, they had to give up some living space and give the vast majority of ordinary people. But this gave up, everyone had their own opinions. For example, Fan Chunren might make more, Sima Guang might make less, and even did not like peddlers wearing silk stockings. Could it be that the sky would collapse when the peddlers wear silk stockings? For Sima Guang, the sky would collapse, because in this way, the lowly common people could gradually challenge the status of the powerful and powerful!"

"Or a little more simple, Sima Guang believes that this country belongs to the emperor and the powerful, and the people should not let them starve to death on a large scale, but politics has nothing to do with them. This is what Wen Yanbo said, to rule the world with the scholars and officials, that is, the country must serve the emperor and the elites. Therefore, the interests and feelings of the elites must be considered."

"Wang Jiefu believed that this country was a super big man led by the emperor. First, the country was later, and everyone must serve the country. When the country was prosperous and strong, it was the greatest guarantee of everyone's interests and the distribution of each interest was discussed. Therefore, the various reforms, despite all the shortcomings, the national deficit should be filled first and the national treasury should be filled."

"And I think this country belongs to all the people. The emperor, including the emperor, is just a manager, not a ruler, so the country must serve everyone. It is everyone, not a minority of powerful people. Although I also agree that the country must be managed by elites, it is management, not ruling the people and enslaving the people. Only when the country does this step, the people of all classes will not cause serious injustice and will the country last forever."

"It is precisely these three who have different starting points and their approaches are also different. In other words, in a sense, I am closer to the New Party and closer."

Of course, only the two of them said these words in their hearts and dared not say them publicly.

What, the emperor is just a manager, and Zhao Xu didn’t immediately use his shoes to slap Wang Ju to death!

But these ideas are far more complicated than what Wang Ju said. Wang Ju has not thought clearly about many aspects now. Or one day he went to the other side, and he no longer needs to be so intrigue like he is now, so he can think clearly about a certain amount, and maybe he can write two more books...

"What should I do now?"

"I don't know," Wang Ju said with a deep depression. But he felt very angry. When he learned from the front, he left Zhongshu and went home with a brush of his sleeves.

The weather outside was gloomy, and Wang Ju said again: "Let's go to the banking department to take a look."

It’s not necessary to go to the banking department, but I just want Han Yun to accompany him out for a break.

Wang Ju and Han Yun took Wang Zichuan brothers dressed in plain clothes and went to the bank office.

When we arrived at the bank of the Bianshui River, mist began to float in the sky. However, there was a prosperous scene on both sides of the Bianshui River. Large ships were not allowed to enter the city. However, many small boats carried cargo directly into the city from the water gate of the East Shuimen, moored on the banks of the river. There were also many Ding Zhuang unloading the cargo on the ship. Because of their joint efforts, some bulky cargo was carried ashore, and everyone shouted horns, which was quite lively.

"It's so prosperous," Wang Ju said with emotion.

In fact, there are several cities on the other side that are developing well now, but if you want to achieve a prosperous city like Tokyo, you still don’t know which year it will be.

Han Yun said carefully: "Taibao, I actually think there is no need to worry. If you can advance, you will advance; if you can't advance, you will retreat."

Why bother? At worst, you can just retreat to the other side.

"Brother Han, you don't understand. Do you know what disease the official family has?"

"have no idea."

"It's Fengji, I'm here. Maybe the government will have some ideas. Maybe it's really like Fu Bi said, doing something about Cao Cao, but once I leave, Xixia will not mention it. The bank Sima immediately collapsed due to various situations. If you don't mention the losses, then the government may collapse... in regret. But you understand what the empress dowager in the palace has about reform. Or wait for the future king. At that time, I'm almost old, and then will come back? Then this prosperous scene will soon become a piece of rubble. If it were you, I'm willing to let it become a piece of rubble in decades."

Han Yun didn't know what would happen next, but now the Song Dynasty did have serious problems.

When Wang Ju retreated, he didn't know whether the capital would become rubble in decades, but the Song Dynasty can be said to have officially declined from then on.

Thinking of this, he couldn't help but feel a little silent.

After all, Han Yun and Tao Qing and others are different. They have been in Shaanxi or the capital, and at least they have a deeper relationship with this land.

The two looked at the Bianshui and were silent for a long time. Suddenly, a passing citizen came over and asked, "Is it Taibao?"

"Um."

"Taibao, it's raining." The man said.

"I'm just taking a look and thinking about things. The rain is light, it won't get in the way." Wang Ju said gently.

"How can that work?" The man stepped forward and placed the tart cloth umbrella on top of the king's giant.

"Then aren't you getting wet?" Wang Ju said jokingly.

"Taibao, you shelter the wind and rain for the Song Dynasty, and the common people have no choice but to repay them. Today, let the common people shelter the wind and rain for the Taibao." The man said honestly.

"Hey, what's your name? What's your business?" Wang Ju said in surprise. Wang Ju was not surprised that there were people who could know him. What's strange is that this person's words were too numb.

"Xiaomin Xiao Zhanggui, doing some small business in the capital. I just came to Bianshui to buy some goods, but I didn't expect to see Taibao standing here." The man named Zhanggui said excitedly.

At this time, there were still many working people on the shore. When they heard the word Taibao, they raised their heads together.

Someone recognized it again: "It's Taibao."

So more than ten people gathered around.

I can't stay any longer. Wang Ju said to Zhang Gui: "Zhang Gui, you don't need to avoid these small winds and rains. However, the ups and downs of the Song Dynasty, my ability is limited by myself, and I can't cover it. Everyone must hold an umbrella together to cover the entire Song Dynasty."

Of course, Zhang Gui couldn't hear the unspoken words.

"But Zhang Gui, thank you for your kindness." Wang Ju said, turning back on his horse and heading to the bank office.

"Taibao, right and wrong have their own rules and regulations, and justice is in the hearts of the people," Han Yun said on the back of the horse.

"Is justice and freedom in the hearts of people? Not necessarily! Human hearts can be bewitched. The reason why Zhang Gui held an umbrella for me was mostly because I banned the Shiyi Law, which gave them small vendors more vitality. Perhaps the people at the bottom of the country are more supportive of me, but their strength is limited."

At this point in the Song Dynasty, politics has indeed had problems, but Wang Ju was also a little pessimistic.

Come to the banking department.

Wang Ju asked Zhang Shangying: "Tianjue, what is the situation of operations in various places, and how are the fluctuations in gold and silver prices in various places?"

"Taibao still has an impact. For example, in the south, the price of gold and silver is relatively low, so most merchants use bills of exchange and exchange them for silk after returning to buy goods immediately. Even the large payment is a little lower than the denomination. This doesn't matter, but it will help the silk payment to the public."

"Yes." Wang Ju nodded.

In short, this time the banking department is so complicated that it is probably rare in another time and space.

First of all, it is huge in size, unlike those banks in the early days of the European Industrial Revolution, how much economy can they have?

Secondly, it was launched after the Xining reform. The political situation was the same as the party and the differences, and any defects would be magnified to the extreme. Before it even started, it was a riot.

Finally, both gold, silver and copper coins as principal are seriously insufficient.

However, if the business is done well, the lack of financial management people Zhao Xu is worried about will not be lacking in the future. The banking department and the larger shipping department are the best places for financial ministers to temper.

However, it was very difficult at the beginning.

Don’t think that the other side has been implemented. The other side has not been officially implemented for a long time, and the two situations are different. On the other side, Wang Ju gave a command, who dared not to obey? That was as difficult as in the Song Dynasty.

Zhang Shangying said again: "What I am worried about is that some areas of Jingdong Road. The gold and silver prices of Jingdong Road have always been relatively high. Although the Taiping Insurance ordered that various regions cancel the tax on gold and silver entering the city, the difference between gold and silver prices in the north and south has decreased, but the gold and silver prices on Jingcheng Road are still much higher than those in other regions. Therefore, some merchants deliberately cashed in silk and paid in silk, and then went to Jingdong Road's business to cash in gold and silver. Some businesses have already cut their capital reserves... But there is no sign of huge fluctuations in gold and silver prices from the market."

But it is also a bad sign.

Don’t think it’s just Jingdong Road. If there are repeated cashing, maybe half of the reserved gold and silver will be consumed only by Jingcheng Road.

If that happens, the banking department will be dangerous.

Wang Ju pondered.

Another clerk said: "Taibao, in his opinion, why not share gold, silver and silk with copper coins, otherwise there will be trouble now. There will be trouble next year."

“What’s going to be trouble next year?”

"Next year, each business will pay silk, but if the silk is paid with gold and silver, the prices of gold and silver in different places will vary, just like the current capital Yingzong pays an equivalent of fifteen cents. In fact, it is fifteen cents, so what should I do if I cash the loan at that time?"

This seems to be a problem too.

Nowadays, the states have no cashing business, either responsible for the cashing of silk, gold, silver or bills of exchange, but do not accept the business of cashing of silk with money.

However, it does not mean that they will be idle.

In these few months, you must be familiar with the operation of the bank department. Not only are there economic people coming from the other side of the shore teaching, but officials from the Song Dynasty can also put forward their own opinions. After all, the situation on both sides is different.

It cannot be said that the officials in the Song Dynasty are useless. The Post Office and Feiqian Office for many years have also honed some talents.

If it is a good opinion, it can also be fed back to the banking department, that is, to Zhang Shangying, and then Zhang Shangying will add it to the rules and regulations of various operations across the country based on the situation or negotiate with Wang Ju.

After these few months of training, there will be no major mistakes after the official opening next year.

Another one is to identify gold and silver.

Well…it’s just as important.

The banking department uses gold and silver as its principal, but this principal can be cashed at any time. At worst, the banking department and various business operations will charge more processing fees.

Once implemented, the reputation can be maintained. Even if the merchants are unwilling to pay the handling fee, it is currency anyway. And it is an easy-to-carry currency, so why bother to exchange it for gold and silver?
To be continued...