Chapter 169 The Way to Make Money

"Haha, Xiangfu, you're so anxious." Li Jun greeted with a smile: "Come on, come on, sit here, let's make a good decision. This matter is very important, and you must carefully consider every detail, and you must not make any mistakes."

Although Li Jun kept laughing, he could tell from his tone that he was solemn. Li Tingzhi and the others dared not smile anymore. They sat next to Li Jun and waited for Li Jun to give him a good idea.

Li Jun said in a reasonable thought: "You all understand the current situation of the court. If you say it is good, there are many problems. We must not take it lightly and think that we will be complacent if we win some battles and recover some land. On the contrary, we must work diligently and act carefully in order to do the work in the future better."

"What the emperor said, please remember." Wen Tianxiang sighed: "The situation is much better now than before, but not only has a large amount of land but not to mention the fact that the war alone requires more silver. Even if there is a mountain of gold and silver, it is not enough to spend. The court now has no cash silver. Not only does the rewards from the soldiers, but also requires a lot of silver. When you think about it, it makes people worry. It's so worrying, silver!"

Wen Tianxiang, a loyal and upright man, rarely sighed. Even among the millions of Mongolian troops, he was calm and composed. Thinking of the great expenses of the coming silver, it was unimaginable. It can be said that the current expenses are not the same as the upcoming expenses, so he couldn't help but sigh.

This was said to Li Tingzhi and the others, and they kept nodding, especially Li Tingzhi's bright eyes stared at Li Jun, hoping that Li Jun would give him advice like stars.

"Whether the money is raised or borrowed, it is just one thing after all, that is, to make the people rich. When the people have silver, they can only get it out if the court draws taxes. As the saying goes, the people are rich and the country is strong. If the people are not rich, the country is not strong!" Li Jun also said with great emotion: "The idea I want to tell you can not only raise a large amount of money, but also make the people rich."

Who doesn’t want to know such a good solution? Wen Tianxiang blurted out: “Your Majesty, tell me quickly.”

Li Jun smiled and said, "I thought that the conditions are now met. The court should set up a special agency to raise money from the people. The money raised can be lent to merchants, manufacturers, and local rich people, so that they can have more money in their hands. They will expand their scale to engage in production, and the economy will flourish and bring vitality."

"Your Majesty, you have a good idea, but it is really difficult for those rich people to pretend to be poor or bury the silver underground. They ask them to lend it to others." Li Tingzhi explored the problem with a unique perspective and said: "These local rich men would rather bring the silver into the coffin than use it. This is not small. Fortunately, we have taken some measures, and now there is less phenomenon." Thinking of this bad habit, he kept shaking his head.

In fact, it is not the personal fault of burying the silver underground, but the court's problem, because they have no sense of security and dare not take it out. Chinese rich people have to pretend to be poor when they have money, while Westerners go to show off when they have money. This is an extremely interesting contrast. The reason is that Western countries recognize private property and strongly protect private property. In ancient China, a highly centralized imperial system was implemented. This system did make a significant contribution to China's development, but it is not easy to say in the protection of private property. The emperor's joys, anger, sorrows and happiness are all national policies, and they can be killed at will. Whoever has money will become a thorn in their eyes. They cannot pretend not to be poor.

This situation also exists in modern society. It is said that the property of Chinese rich people is difficult to count because they often place their own companies or stocks in other people's names, making it impossible to find them.

Li Jun, a modern person with rich knowledge, certainly understood the reason and said: "The court should understand this point. They also have their concerns when doing this. The main reason is that the court does not protect their property effectively. The emperor's joys, angers, sorrows, and happiness are all national policies. If you are happy, you will reward people randomly. These rewarded people often have no contribution. If you are unhappy, you will punish people randomly. The punished people are not wrong. Isn't it just that some bad words are said, good medicine is good for diseases, and honest words are good for actions. If you say it nicely, just laugh it off. If you don't say it, just listen to it. There is no need to punish people." sighed: "This is a foolish monarch. It is these foolish monarchs' who make people feel insecure that there is a saying that 'accompanies the monarch as if you are with a tiger'."

This statement almost summarizes the bad things of ancient Chinese emperors. As an emperor of a generation, it is really commendable that Li Jun can speak bluntly. Wen Tianxiang and the others were moved and said: "The emperor is wise!"

They have used the four words "Saint of the Emperor" for many times, but the meaning this time is very different from the past, because they felt an atmosphere from Li Jun's words, that is: If you have something, say it, whether it is good or bad, in a word, the person who speaks is not guilty, you can tell everything and say everything!

There are very few people who can have such a spirit in Chinese history. Let’s not talk about Qin Emperor and Han Wu for the sake of being good at Jia Na Ya. Even Emperor Taizong of Tang, who was good at Jia Na Ya, did not listen to loyal words and wanted to kill Wei Zheng. Li Jun’s actions after coming to this world all showed a truth: he could hold a big boat in his stomach and was humble. He had never seen him angrily scolding someone because of a disagreement.

Such a king is rare in the ages, and Wen Tianxiang and the others were so moved that the tears in their eyes were almost dripping.

"Don't say good things, I'm talking about the facts." Li Junqian said: "If they want them to take out the money to do production, there is only one way, that is, to give them a sense of security. The court has done a lot of work on this point, which is not enough, and it must be strengthened. The court must formulate a law specifically for the protection of private property. No one, including the emperor, shall deprive others of private property for any reason."

He paused and said, "The strategy of sanctions and the law of extermination of clans, as well as the law of confiscating property, will be abolished. If one person breaks the law, he will only cure one person and will not endanger his family and relatives. For property, only the illegal income will be confiscated, and the legal income should be guaranteed and must not be confiscated."

The strategy of continuous sanctions has been used for thousands of years in Chinese history, which is actually an inhumane law. How many innocent people have lost their lives because of this is actually one of the most outrageous and harsh policies in Chinese history.

However, for Wen Tianxiang and others, even the plan of sitting down seemed to be a natural thing. When they heard Li Jun's words, they thought they had heard it wrong. They looked at Li Jun foolishly and forgot to even speak. After a while, they all opposed it: "Your Majesty, no!"

Li Jun understood what they were going to say, and waved his hand to stop him, "Tell me, how many children have been killed, some of whom have just been born, and they don't understand anything. What are their sins? Is it wrong to say that they are born in a family of criminals? This matter is determined by heaven, who can control it? When I think of this, I feel uncomfortable." After that, I was already filled with tears. (Note: The strategy of the plan is really hard to accept, and I cannot accept this harsh law by the author.)

There was a sense of compassion in the words that made people unable to object. Li Tingzhi stood up and praised: "The emperor has nothing to say. King Wen transformed into birds and beasts, and the beauty of poetry and books, but this harsh law is only forbidden. I think the emperor's benevolence and virtue is even better than King Wen."

Wen Tianxiang wiped his eyes and said, "Your Majesty, I have nothing to say. If the court protects the criminals' legal property, this is the best guarantee for the people of the country, and they will feel safe. I believe that the bad habit of burying silver underground will be eradicated soon. In this way, the court will be equitable with a lot of living silver, and the economy of the Song Dynasty will flourish." The living silver he mentioned, in today's terms, is money in the circulation field, that is, capital.

"The National Policy has a fable of "The Horse Bone of Qianjin City". The emperor's actions are the same. The court must protect the legal property of the criminals. Besides, can the property of the innocent person not be protected?" Lu Xiufu quoted the fable and said: "I dare to assert that it will take not much time. Even the silver buried underground by the ancestors of the previous generations will be raised and used to make money. The court is like getting many mountains of gold and silver in the empty space."

Qianjin City Horse Bone is a fable, which means that the King of Yan wants a thousand-mile horse, but he has worked hard for three years but has not obtained it. The King of Yan sent his close ministers to buy it. After running around, he finally found a thousand-mile horse, but the thousand-mile horse was dead, so the close minister bought the horse's head. The King of Yan was very unhappy and blamed the close ministers and said, "What I want is a raw horse, why do you buy the dead horse's head for five hundred gold?" The close minister replied, "You must buy the dead horse's head for five hundred gold, and you are worried that you can't buy the thousand-mile horse?" The King of Yan realized that he did not blame the close ministers. The news spread, and horse sellers from all over the world came in a row, and within three years he finally bought three thousand-mile horses.

Li Jun's move is the same as this. It can be imagined that the Chinese people know that even the criminal's legal property must be protected, so they naturally will not have any worries. Even if there is, there will be much less. They will raise the silver buried underground for investment. There are quite a few silver buried underground in the past dynasties, and if they are raised, the amount will definitely be quite large.

Getting money is still a trivial matter. The most important thing is to strengthen the confidence of the Chinese people and to let go of their hands and feet to expand production. This is the most important and fundamental thing, and Li Jun is happy to see.

Of course, there is another by-product, which is that Li Jun easily abolished the harsh policy of continuous positioning.

Liao Shenggong and the others also understood, so naturally there would be no objection.

Li Jun was very happy to be able to get the support of Li Tingzhi and others and said, "Silver is also a double-edged sword. Although having silver is a good thing, it is also a bad thing. The key is how to use it well. This is why we want to establish this institution. The name of this institution is called a bank."

"Silver means silver; bank means liquidity. Bank means silver is circulating in this place! A good name! A good name!" Li Tingzhi touched his beard and praised the name of the bank, and praised it endlessly.

"Isn't the bank just another explanation for the 'long bench'? It gives you such a meaning, which makes me laugh to death. If modern people hear you, they will definitely laugh out loud." Li Jun thought in his heart. If it weren't for the major state affairs being discussed at this time, Li Jun would definitely be so angry.

The origin of the bank is because the currency exchanger sits on a long bench to trade. Over time, "long bench" becomes synonymous with banks. The English saying goes "money storage cabinet". In China, in ancient times, silver was used as the general currency, and the shops that do business were also called banks, which were translated as "banks" when translated.

Wen Tianxiang raised his thumb and praised: "Miscellaneous theories, wonderful theories!"

Lu Xiufu also looked like this. When Li Jun saw their sigh, he really wanted to laugh out loud. He held back his laughter and said, "The function of the bank is to concentrate these scattered banks and then distribute them to manufacturers and merchants in need. Of course, in order to attract these scattered silver, banks have to pay a certain amount of profit to work and people will deposit the money. They also have to collect profits. In this way, they make the difference in profits.

"And these manufacturers and merchants can borrow money from the bank as long as they pay a certain amount of money. They don't have to worry about not having enough money, and they can let go and expand production."

Li Jun used the simplest and clearest words to explain the role of modern banks very clearly. The talented people who could understand Li Tingzhi and the others understood it at a glance, and they all said happily: "These scattered silvers are scattered among the people, but they are not used, and they become dead silvers. Once they arrive at the bank, they become living silvers and have great utility."

Li Tingzhi showed his extraordinary insight, and happily passed by, frowned and said, "Your Majesty, the bank is good, but the court will find it difficult to raise money immediately. The war is imminent, and if there is not enough money, the problem will be very difficult."

The most important thing is to raise a large number of silver immediately. If the bank plays its role, distribute the silver and then collect taxes after the economy develops, I don’t know if it is the Year of the Monkey and Horse Month. Li Tingzhi’s words suddenly awakened Wen Tianxiang and the others. Their joy was gone, and he nodded and agreed: “Yes, what Xiangfu said is very true. We are really too happy and have forgotten this.”

Li Jun smiled and said, "This problem is easy to deal with, it depends on the bank."

"Emperor, how can this work?" Wen Tianxiang immediately expressed his objection and said, "Emperor, the bank is opened for manufacturers and merchants. How can the court intervene and transfer the silver? Emperor, I dare to assert that if the court transfers the silver from the bank, the bank cannot be opened."

Lu Xiufu thought for a while and expressed his opinion: "Emperor, the least the businessmen want to deal with is the imperial government. If the imperial court transfers the money, what Lord Wen said is reasonable."

"You only said half of your words. The thing that merchants don't want to deal with the court is the court, but the thing they want to deal with the most is the court's government." Li Jun retorted with a smile: "The merchants don't want to deal with the court because they are worried that the court will blackmail them or put the shit on them. As long as the court is trustworthy and act according to the law, they will not worry. The reason why merchants want to deal with the court is because the court has a large expense, a lot of profits, and a lot of profits. Do they have the truth that they don't have to get up early without profit? "

Dealing with the imperial government is really both thinking and afraid. What I am afraid of is not giving money, being charged with being criticized, and being made difficult for no reason. This is something that happens one after another in modern society. There is a saying that "fight with the sky, fight with the earth, and not with the officials", which expresses their thoughts very well.

Li Jun continued: "For this later, it is because there is a problem with the officials of the court. They are either incompetent or accept bribes and acquire them at high prices, resulting in abundant profits. In this case, the court requires contractors to bid, and secondly, strengthen the supervision and management of officials, and improve their quality, so that they can be proficient in business."

This statement really hit the core. Li Tingzhi and others who are proficient in practice came from their hearts and said, "I will remember it."

"The court did not seek forcibly recruiting money from banks, but borrowed it. It had the same identity as merchants, gave the same profit, and could also give more profits." Li Jun began to advise, saying: "If the borrowed money, the court would spend it. Some people would buy the products of manufacturers and merchants. They would not have to worry about not making money, and they would not try their best to produce it."

In modern economics, this is what the imperial court borrows money from banks and spends it, which means that demand will be expanded, and the supply will also increase, and the entire economy will expand.

"This is a wonderful idea! In this way, the court will have endless silver overnight." Liao Shenggong was so happy that he couldn't close his mouth, and his eyes were only a small crack, and he was extremely excited. What he, the chief of staff, was most worried about was that he did not have enough military expenses to deal with the decisive battle. Suddenly, he had countless mountains of gold and silver. The military expenses were too much. How could he be unhappy? It would be great if he jumped up without being happy.

A beautiful little star appeared in Du Dayong's eyes, and he said excitedly: "Master, the combat capability of the cavalry will be greatly improved." He was happy and actually saved a key sentence, which was the four words "with silver".

Li Jun’s move was really clever. Wen Tianxiang and the others admired it and said, “The emperor is wise!”

"What's so strange about this? Which government bonds in modern society were not acquired by banks? It's not a new invention. Is it necessary to blow the magic snails so much?" Li Jun didn't dare to accept it in his heart.

Li Tingzhi once again showed his extraordinary insight and asked: "Your Majesty, there is a problem with this, which is to win the trust of the bank. There have always been some gaps between the people and the court that should not have. In addition, the court wants to borrow money from the bank, so I think it may be difficult for the bank to handle it."

This is indeed a big problem. After hearing what they said, Liao Shenggong was like pouring a basin of cold water on his head, and his joy was gone all at once.

Li Jun looked around them and smiled and said, "The solution is not nothing, but it's very simple!"

The magical thing about Li Jun is not only because he is incompetent and unexpected, but also because he is very simple to solve difficult problems. He said that simple methods must be very useful. Li Tingzhi and the others all opened their eyes wide and looked at Li Jun, as if Li Jun was a hot commodity, and they were greedy cats, so they were drooling.

Banks play an extremely important role in modern society. It is precisely because of the existence of banks that those small amounts of money can be concentrated and entered the circulation field, playing an important role in the development of the country's economy.

Although Li Tingzhi and the ancients could not fully understand the huge role of banks, they already knew with their extraordinary understanding that if banks were run well, they would have extremely important significance for the Southern Song Dynasty, and they were all looking forward to it.

Li Jun understood their feelings and said, "This method is not a clever one. As long as the court guarantees the bank, it is enough. If the bank's property is closed, the bank's owed silver will be paid by the court to repay those who deposited the bank in the bank."

Many modern banks are guaranteed by the government. The reason why the government needs to guarantee is because there is no organization that can win the trust of the people more than the government, and no organization can get money better than the government. Only by guarantee by the government can it win the trust of the people and ordinary people will deposit money in the bank. This seems to be cheap for bankers, but it is actually a very good trick.

However, Wen Tianxiang and the others could not understand the trick at once. Wen Tianxiang took the lead in opposing, saying: "Your Majesty, this matter must not be done. If the court guarantees the bank, wouldn't it be a waste of money? The court's silver belongs to the people, and it would be unfair to use it for guarantee."

This is indeed a good reason for opposition. Lu Xiufu and the others agreed and said, "The emperor, what Lord Wen said is reasonable, and I also think so. This matter is of great importance. Please think twice."

Li Jun did not express his opinion immediately, but looked at Li Tingzhi who was thinking and asked, "Xiangfu, what do you think?"

"Your Majesty, this matter is of great importance and it is difficult for me to make a decision for a while. Please think about it before talking about it." Li Tingzhi showed a steady style.

Li Jun picked up the teacup and drank a sip of tea, saying, "Okay, I'll give you a cup of tea."

Li Tingzhi didn't use a cup of tea at all. He thought for a while and said, "Your Majesty, I agree."

The Chief Minister once again made a shocking statement. Wen Tianxiang's eyes widened and he looked at him straight. If Wen Tianxiang hadn't known that Li Tingzhi was a steady person, and that such a speech would have been the result of careful consideration, he would have been immediately questioned.

"It is only a kind of credibility that can only be trusted by the court, only the court can win the trust of the people, only the court has such financial resources, and only the court is most suitable for doing this kind of thing." Li Tingzhi used three "only" in a row to express the necessity of the court's guarantee.

Wen Tianxiang's reaction was not slow. He thought it was this reason, but he still had concerns and said, "But the court should do things fairly most. If the court guarantees it, the problem will be difficult to deal with, and it is difficult to guarantee that the court will not lose justice." He is too upright and thinks about everything from fairness, so that he can be just.

Li Jun was not unhappy because of Wen Tianxiang's opposition, but was very happy and exclaimed: "The reason why Lu Shan has such words is because Lu Shan is fair and honest, and is a role model for all officials."

"The emperor is too rewarded, and I am ashamed of me." Wen Tianxiang said hurriedly.

Li Tingzhi said with a pragmatic attitude of a politician: "Of course, the court is not unconditional, but has conditions and rules to guarantee it according to the law. The most important point is that if the bank is closed, the court will accept it and handle it by the court, and all the income belongs to the court."

This is a high-sounding sound at first glance, but when you think about it carefully, it implies a cleverness. That is to say, if the bank goes bankrupt, the court will accept and deal with it, and all the income will belong to the court. On the surface, this kind of guarantee is cheaper than the owner of the bank, but in fact, it is not known who is cheaper or who is cheaper.

"It is very important to guarantee according to the law." Lu Xiufu agreed very much and said, "In addition, one more thing is to add that if the court guarantees, the court will collect certain silver and have certain priority. For example, if the court needs military expenses, it can be borrowed from the bank first."

His meaning was very clear, meaning that as long as the bank was established, military expenditure would not be a problem. The most important thing now is to raise enough military expenditure. This huge problem will be solved easily. Who can say what? Wen Tianxiang said with a blaming self-blame: "Your Majesty, I am not sure about the matter, so please punish me."

"It took hundreds of years for modern society to establish a bank, and its role has also developed step by step. It is already very good that you, the ancients, could understand this level." Li Jun sighed in his heart that Wen Tianxiang and the ancients were amazing understanding, and comforted him: "Don't you have to blame yourself for your goodness. Didn't you say that the speaker is innocent. If you have any ideas, you should say that this must become a system so that you can be good at speaking and listen to both sides and be clear!"

"Emperor!" Wen Tianxiang was deeply moved.

Li Tingzhi made an idea and said, "Your Majesty, I think you can concentrate money houses and set up some banks. The silver house itself has the effect of depositing silver, so doing this will result twice as much with half the effort."

"Also, the court should take the lead and guide them to carry out some mergers to form a large scale and the confidence of the people will be sufficient." Wen Tianxiang followed suit.

Lu Xiufu continued: "Emperor, when I was in Guangzhou, those merchants always complained to me that every time they traded, they had to bring a lot of silver, which was very inconvenient. They could land on the bank, so that the merchants could deposit the silver here and withdraw the silver there. This would make the transaction much more convenient and would be very beneficial to the circulation of goods from north to south."

"No matter where the silver is deposited or shipped to where it is needed, otherwise the price will be unstable due to insufficient silver." Liao Shenggong analyzed from the perspective of a military strategist: "In order to create a good public security environment, the court should increase its efforts to crack down on those who are acting unruly and illegal."

Du Dayong was also very excited: "If necessary, you can dispatch troops to suppress them. I dare to assert that it will not take long before anyone will dare to have any inappropriate thoughts, and the delivery of silver will be much safer."
Chapter completed!