Zhang Fangping shook his head.

It cannot be said that the Song Dynasty's fiscal revenue was not much. That was nonsense. The key is that money cannot be accumulated.

But Zhang Fangping was also confused. He had some thoughts in his mind, whether it was branches or leaves. If it could not be cured, it would not be able to achieve this goal.

"Brother An Dao. I have some experience in Jiangdong and Liangzhe. I have an idea in my mind. I want to open another prison, called the bank."

"bank?"

Zheng Lang explained.

There are also some commercial forms of banks similar to banks, such as depositing loans, exchange of gold and silver, mortgage loans for valuables and fixed assets, and withdrawing money from other places. They are just very unfair. Among them, some of the Jews who were taken in by the Song Dynasty were the best.

Seeing their various methods of making money, Zheng Lang felt a little ashamed. Later generations said that the Han people had the second highest IQ and the highest highest was the Jews. I am afraid that it had nothing to do with Einstein. It was precisely their ability to do business.

It is not sound, especially usury. Even if the literati and powerful people are profitable, some of them are ashamed of their own business.

Don’t believe in the Qingmiao Law. Since you have made money, how could the officials below issue loans to the people who can’t afford to pay back?

Therefore, the main responsibility of the bank is to make money and convenience is just a supplement.

The business method is still through the form of selling contract shares. The government and private companies work together. It cannot be sponsored by the government and don’t know what it will become. Once implemented nationwide, a large number of officials are needed. If redundant officials are aggravated, private companies cannot become very unintentional.

There are still drawbacks in the joint venture between officials and private enterprises. Zheng Lang has not seen it now.

Even if you see it, you can only correct it. Nothing can have no negative effects and cannot be avoided.

The joining of the powerful will bring sufficient funds in exchange for the support of a powerful force. Without the support of these elite groups, any reform will be like a castle in the air and a mirage. It will eventually fail. Even at the beginning, it will even collect some money for the court.

Profits are divided into two parts. Part of them is withdrawal from other places. Some money shops in the Song Dynasty had this form of business. The fees were too high. If they were pressed on the two or three, many merchants would exchange them for liquidity. The escort of money would cause waste. But as long as one percent of the net income was earned, it would be considerable. It would give merchants convenience. Look at ancient novels. How many novels wrote about merchants showing off their property and being killed halfway through. If this move was done, merchants' property would not be revealed. Safety was also guaranteed.

The second is to issue loans. There is no fee for deposits. There will be no interest. Fixed assets, such as land deeds, real estate, and valuables to mortgage loans. Apply for loans. Interest is divided into three types. Urgent needs. For example, parents are seriously ill. Medical expenses are required. Meritorious soldiers and descendants of ministers. etc. The annual interest is the lightest. One ten. The loan is not accepted when farmers do not accept it. Agriculture is the foundation of the country. Ten ten is taken 10% and 5% of the people. As for the people who have no land or home, it is no longer a waste. It is a disguised encouragement of the people to retain the fields. Don’t bring the fields to the rich and evade national taxes. Besides, if you want to save them, you can’t save them. Once the loan is opened, no matter how you operate it, bad debts will be generated. Even if you don’t lend them to the people at all. The officials can borrow quotas to embezzle them. The third is commercial financing. Ten ten is withdrawn.

"Xingzhi. The owner of the money counter, the owner of the pawnshop and the loan shark will object."

"So the government and private enterprises jointly operate. Let them join. They need to help them get some interest. Even if the Master is alive, he will also promote it. If it is to make money and take the opportunity to let the people go bankrupt. Brother An Dao, do you think it is done right?"

"If that's the case, that's good."

"It's difficult. Ultimate merchants make the people lose their families and gossip. The literati just talks about gossip. That has nothing to do with the court. Once the court takes the initiative to enter, the whole country will be so big. There will always be some unnecessary disputes. The literati thinks that the government and the people will compete for profit. What impact will it have?"

"No. The government is entering to save the people from water and fire. Some bad things happen. The consequences are much better than the usury merchants, fish meat, and people."

"Brother An Dao. Think about it again..."

It would be strange if you don’t talk about gossip and not impeach. Fighting for power and confusion between black and white is a common thing in the officialdom!

"Its nature is mainly to make money for the government. Secondly, it is to urgently make people's needs and facilitate the people. But as Brother Andao said, although the powerful are encouraged to enter with stocks, the returns will also decrease compared to their original method of making money. Do you have any complaints in your heart?"

"The most difficult thing is the currency. Once it is established, it is convenient, its profits, and its loans are in good condition. Many people will use this supervision, either to save money or loans, or withdraw money from other places. How much copper coins or related gold and silver are needed?"

I was short of money. The Song Dynasty had to try every means to concentrate copper coins into the capital, but commerce was circulating and quickly flocked to the whole country. Even Khitan, Xixia, Tubo, Japanese Goryeo, and Southeast Asian countries.

Paper money is just like the United States. It can be a big deal of issuing US dollars. The key is metal. So mining overseas. But overseas, there must be a fight with local natives. You can only choose to develop large minerals. Although the minerals are large, the technology is underdeveloped. How many years do you have to wait for gold, silver and copper to meet the currency needs of the Song Dynasty? Without this sufficient currency, the exchange will become a piece of paper. Therefore, Zheng Lang in Taipingzhou thought about the bank and did not dare to say it out.

Suddenly a scout came in from outside and whispered: "Mr. Zheng spyed in front of him. He said that Xixia killed Ye Li Wangrong and Ye Li Yuqi one after another."

"What?" Zhang Fangping was shocked.

As a minister of the Song Dynasty, the one who didn't want to kill these two people. Why did Yuan Hao break his arm?

"Is it true or not?" Zhang Fangping asked again. At this time, he was in a state of joy. He seemed to be able to feel the poem written by Du Fu. It was suddenly said that he had collected Jibei from outside the sword. At first I heard that tears were covered with clothes. But I saw my wife's sorrow. I was so happy that I was so happy that I was singing during the day. I had to drink my youth. It was better to return home as my companion... (To be continued.
Chapter completed!