The bank's accounts need to be recorded in a duplicate amount. If a sum of money goes from Tokyo to Chengdu Prefecture, it is a trip, and the money returned from Chengdu Prefecture is a trip. This trip will generate exponential profits, just

When this money was on the road of fantasy, he generated loan interest rates and had transactions, so it was very inappropriate to follow the accounting method of the Song Dynasty.

The Jurchens' accounting method was to knot ropes as a conciliation, or carve wood as a deed, so it was easy to cheat. The Song Dynasty's accounting method was to enter and exit the account book, and there were in and out, and the entry and exit were to offset the account book.

In Yun Zheng's opinion, such accounting methods have great loopholes. As long as you are willing, you can empty the Song Dynasty's treasury, and the books will still maintain a consistent record.

Wang Anshi is very smart. The three-legged account he used focused on the accounting records on the "release account (also known as daily clear book), and later further subdivided them into "goods clear book", "silver clear book" and "receiver book"

. "Cash Clearance Book" is used to record the purchase and sale of goods; "Silver Clearance Book" is used to record cash collection and payment matters, while "Receiving Book" is used to register transactions and transfer matters. These three books must be

Only when it matches the turnover account is considered a good account.

Unfortunately, such an account book is too advanced. Wang Anshi needs to explain this accounting method to the emperor and ministers so that they can fully understand what a bank account book is.

Han Qi said to Yun Zheng with a dark face: "What is the feasible way to explain it clearly?"

Yun Zheng thought for a while and said to the emperor: "Please bring some gold, silver and copper coins, and I will demonstrate it to you."

Zhao Zhen nodded, and Zou Tong ran out immediately. Soon he brought a few eunuchs in, one holding four gold ingots, the other holding a plate of silver, and two eunuchs carrying a basket of copper coins.

.

Yun Zheng asked Wang Anshi to come out and bowed to him, "You are now representing the Tokyo Money House!" Wang Anshi nodded.

Yun Zheng asked Pang Ji to give him a piece of gold ingot and said, "Pang Xiang is now a money house in Chengdu!" Pang Ji nodded.

Yun Zheng invited Han Qi and Wen Yanbo to give them one of them a piece of gold ingot and said, "You two are Daming Mansion and Guangzhou Mansion!" The two of them nodded and agreed.

Yun Zheng finally pointed at himself and said, "I am a businessman!"

Seeing that Yun Zheng's arrangement was interesting, Zhao Zhen walked down from above and prepared to see it clearly. The other officials also formed a big circle to see how they operated.

Yun Zheng held a gold ingot and said, "I am a businessman from Tokyo. Now I want to go to Chengdu to sell silk. This is my capital. I have to hold the tradition of three times the profit of trafficking for thousands of miles. Now I am going to start operating. Please

Please see clearly! See how the money shop makes profits.”

Yun Zheng took the gold ingot and walked to Wang Anshi's side and put the gold ingot in his hand and said, "It is not safe for me to carry a large amount of silver and money on a thousand miles away, so I deposited my capital in the money house in Tokyo and agreed to pay it to me."

The money house has two cents of the profit. In this way, I don’t have to hire cars and horses or escort agencies. After getting the certificate of saving money from the Tokyo money house, I set off light cars and brigades to Chengdu Prefecture.”

When Yun Zheng said this, he took off a jade pendant from Wang Anshi's waist and swayed at everyone, indicating that it was a credential. Then he walked to Pang Ji and gave him the jade pendant, and then took two silver ingots to Pang Ji's.

He took the gold ingot in his hand and said to the emperor: "Your Majesty, because this gold ingot has traveled more than a thousand miles, the court has two more silver ingots, which is the gross profit."

Pang Ji nodded and said, "There is no gold and silver transaction among the people, so they can only use copper coins. It is indeed difficult to carry a huge amount of money. It is reasonable to collect 20% of the profits from a thousand miles away."

Zhao Zhen also nodded in agreement. He at least understood what means the money bank used to make money.

Yun Zheng said again: "This is just the most basic way for money shops to make money. As long as money shops in various places can keep a lot of money in their hands, such means of making money will continue to flow.

Further means of making money is to attract deposits and lend. I sold some silk from Chengdu Prefecture and went to Guangzhou Prefecture to earn two gold ingots. At this time, I found that the Nanzhu in Guangzhou Prefecture is good, and I will definitely make a big profit when transported back to Tokyo.

So I bought Nanzhu in a big way, but I found that I didn’t have enough money, but I had a large number of industries in Tokyo and familiar local merchants were willing to protect me, so I borrowed from Guangzhou Prefecture with a 30% profit.

A gold ingot has purchased enough goods…”

Zhao Zheng watched helplessly as the gold ingot, which originally belonged to the merchant, finally turned into the court. He followed Yun Zheng's path and found that it was impeccable. The most important thing was that there seemed to be no victims, and the merchants finally made money.

Money, the people sold goods and got money, and the government also received taxes. The money in the money shop increased very quickly...

So he became even more confused...

"Is this just a money borne by one, a money borne by ten thousand yuan in a thousand days? But where does the extra money come from?" Zhao Zhen murmured to himself. The emperor who had never studied political economy was completely confused.

Wang Anshi smiled and said, "Your Majesty, money is obtained from the labor of the people. In the circulation of silver and money just now, Your Majesty ignored one element, that is, goods!

Silk requires people to raise silkworms, and they can be woven into silk cloth. The original purpose of merchants is to exchange gold ingots for silk produced by the people, and then obtain the profits they should have, so there will be such a circulation. Therefore, the world is in the world.

All the money is created by the people!

Only when the people's products become richer can the Song Dynasty become richer. This is the initial reason why the Wei ministers proposed the Qingmiao Law to support the people. If the people's products are exhausted, the Song Dynasty's finances will become water without a source and without roots.

The tree!

If all the wealth of land is gathered in the hands of a few people, the wealth created by the people will continue to flow into the pockets of these people, and the court and the people will face life and death worries. I beg Your Majesty to prepare a trial run for those

People who lack cost production provide a cheap loan!”

The ancients were very smart, especially those who could stand in this temple, whether they were treacherous or loyal, or honest or corrupt. They had one thing in common, that is, no one was a fool.

After Yun Zheng's demonstration, if you don't know that the money shop is making money, you will be in vain in this temple. Needless to say, the fool knows that the money shop manager must be a fat oily person.

errands.

"The money shop does not require officials, only one gift for the people!" Wang Anshi's cold words poured a basin of ice water on these people's passionate thoughts. They all looked at Wang Anshi strangely, even Pang Ji and Han

Qi, Wen Yanbo and others also looked at Wang Anshi, not understanding why he used this group of people.

"Why?" Pang Ji asked with his eyes narrowed.

"Because you can kill!" Wang Anshi squeezed out these five cold words from his teeth.

"So that's it!" Pang Ji said these four words and returned, and said nothing more. It was actually appropriate to arrange for Leye people to manage the money house. Those people are born with good accounts, one of the six departments.

Ci Leye has many officials, especially the Ministry of Revenue. Yi Ci Leye has completely taken over the errands of money transactions. Since the Ministry of Revenue can be used, there is no reason why the bank cannot use it.

The reason why the Ministry of Revenue used Yici Leye people was that they valued their talents was one aspect. The most important thing was that Yici Leye people had a sharp guillotine hanging on their heads. There was still some problem with the accounts of officials from the Song Dynasty.

If you have any room for exile or demotion, and if you make a mistake in your account, your only choice is to behead your head. If you insist on finding another option, there is also a chance, that is to behead your whole family!

Therefore, in the Song Dynasty, the property accounts were still roughly clear, which had a lot to do with the love of their reputation and family!

"The officials of the money shop are for three years and must be reviewed every year. All Yicai Leye people in the Song Dynasty must live in a concentrated manner and must report their travel. No personnel must move during the review period. Once the review is completed, those who have made contributions will be rewarded with great rewards.

Those who are wrong will be punished severely, and those who are guilty will be killed!

If any good children in the family can also be recommended to the money house, and the treatment is the same as that of Yicai Leiye. Once the term has been in office for three years, he will definitely be given priority to join the third department envoy!"

Yun Zheng smiled like a lucky cat. Wang Anshi was so angry this time. The name of his husband was indeed well-known. The minister's children could get a job in the money shop. If they wanted to make money, they had to risk killing the whole family.

I really want to see if any of these people are willing to send their children and nephews into the money house. There are great dangers and great opportunities here.

"Haha, it is said that the talented people do not avoid relatives. I thought my son Pang Ju could enter a money shop. When he was a teenager, he liked the economics. For my face, it was difficult to do business. Last year, I passed the fourth grade of the system, which was just right.

Enter the money shop and grind it for a while." Pang Ji also smiled, and after saluting the emperor, he brags for himself.

Zhao Zhen smiled and said, "Pang Ju is a rare young talent. I plan to send him to Honglu Temple to be trained and sent to him. Unexpectedly, Pang Xiang had such a plan.

OK, since everyone has determined that the money house is good, I will allow the money house to open and agree to Wang Qing to send two million treasurys of silver into the money house. I will collect one million treasurys from the inner treasury, and a total of three million treasurys of silver to form the Royal Song Dynasty.

Money houses are used to save the world.

He agreed to collect Yici Leye people from the Song Dynasty who entered the money shop. At the same time, he blocked three Fangcheng in the west city of Tokyo and moved into Yici Leye people's family and divided the land into prisons. He agreed to build a temple in the Fangcheng city.

We agreed to give these people a gift of the Song Dynasty household registration. Once they are old, they are audited by the bank and agree that they will take root in the Song Dynasty, no longer wander, and will be treated the same as the people of the Song Dynasty!"

Zhao Zhen's words immediately formed an order. Wang Anshi left the hall with a proud edict. Accompanied by the auxiliary officer of the Sansi envoy, he was preparing to go to the Honglu Temple to summon him, where an elder who gave the Leye people was already there.

Waiting for the emperor's will there.

Yun Zheng lazily left the hall. This time he went to the wrong Puhua Hall again, but no one cared about this anymore. Recently, this guy often walked around randomly, for nothing else, just to see if a generation of reformer Wang Anshi is

How to administer the world.

"Who is Yunhou, why don't your brother Yun Yue and the two sons of the Su family enter the money shop? What I most look forward to is that the three of them can enter the money shop, and they are all good at studying!" Wang Anshi said to Yun Zheng with a flushed face.

"Take it down, you don't dare to enter the money house. I'm worried that they will move all the three million guan in your hand back to my house!" (To be continued, please search Piaotianwen, the novel is better, updated and faster!
Chapter completed!