Wang Ju occasionally appears a new noun, but everyone is not surprised that this is a new thing, so of course it is a new noun.

At this time, the effect of killing Gao Huaizhong was obvious. So many soldiers were caught in the blink of an eye, and Wang Ju only took a battalion of foreign soldiers to behead so many soldiers in front of the officers and soldiers of the Yongxing Army of the 16th Battalion.

This reminds everyone of Wang Ju's reputation. Most of the officials below listen to it. Even if they question it, they try to speak it out in a tactful tone to avoid being punished by Wang Ju.

Wang Ju ignored everyone's thoughts and continued: "Our tax is almost five to six times that of the Tang Dynasty, and the actual wealth may be five to six times that of the Tang Dynasty. But this wealth is rich in a very small number of people, and ordinary people are still very poor. If all the people have five to six times the income of the Tang Dynasty, what would happen?"

Yu Qiang said with a smile: "Ming Gong, that's impossible."

"Yes, it's unlikely. If this is true, our dynasty will have a strong attraction. At least the Han families in Xixia and Liao will try their best to come to join our dynasty. It is precisely because ordinary people are not rich and the country is not strong that even these Han families are unwilling to return to the Song Dynasty."

"Ming Gong, it's very difficult." Yu Qiang said with a smile.

Of course, this situation really happened, needless to say, at least the Liao Kingdom and the Chinese households in the Western Xia Dynasty would come and join us.

But it is impossible. If this situation occurs, it will be not far from what the Master said about Datong Ｅ Long Ｅ Wind.∧.n○et prosperous times.

Wang Ju glanced at him. This was an old and worldly minister. He was only a Jinshi from the Four Grades back then, but he climbed to this position step by step. Although he was very slow, he was always promoted.

This is also a kind of skill. If it is not done well, it will cause trouble for Wang Ji. But he takes the initiative to cooperate. This kind of sleekness will help him.

As the thought changed, Wang Ju nodded and said, "Yes, it's difficult, but we will have a way to make Qingzhou a little better, which will increase its attractiveness. And in the past, if Qingzhou was too rich, Xixia would have sent troops to come and plundered it from time to time. But now the forts in Hengshan are in front, and the entire Qingzhou is in the rear."

This is a real big chess step, and Wang Ju is playing it.

If there is poorer and richer here, the people of Xixia will be more disintegrated through comparison.

However, Wang Ju doesn't know whether it can succeed.

He also said: "So I came up with this method to establish this Qingzhou Development Fund, and encourage the people to store the remaining money in their hands in this fund. There is no fixed time and there is no interest, but the people will not charge storage fees. If you deposit for one year in a fixed period, you can withdraw the principal in the fund after depositing for one year. Add three cents of interest. If you deposit for five years, the interest is four cents. If you have a fixed period of more than ten years, the interest is five cents. If you have a fixed period of more than two cents of interest, you can withdraw interest in the fund every year. Of course, you can also continue to deposit interest in the fund and use them to make a profit. However, if you have a fixed period of profit, if the term is not satisfied and withdraw it in advance, you will have to pay a storage fee of two cents."

There is a background here. There were also banks in the Song Dynasty that also asked the people to store money, but instead of paying interest, they had to charge storage fees, which were also very high.

However, there are also businesses, and some merchants are worried about keeping them with a lot of money and silk, so they temporarily store them in these institutions, and at least they don’t need a large number of people to take care of, and they also avoid unnecessary risks.

However, those institutions are mostly in some megacity commercial cities, especially in capital cities, among which the most are taught to do such business, which has to admit that Jews do business.

However, their business model is very backward and mainly uses current deposits and withdrawals, so they dare not take out their money to lend money.

The main reason is that there are too few clever accountants in this era, and Wang Ju will face this problem soon.

In fact, the money stored in current situations can also be used to lend money for profit. However, without a skilled accountant, it may cause the money to be released together, and the customers come to withdraw money, but the funds cannot be taken out. Then the tension arises, the credit collapses, and they come to get the money back, and the funds fail!

Therefore, Wang Ju used interest and storage fees to encourage people to deposit time, but they must not withdraw in advance before they expire, so as to avoid serious chaos in the accounts.

More than a dozen officials couldn't help but breathe a long sigh.

Now they almost all understood Wang Ju's intentions.

Yu Zhaozong couldn't help but say, "This is a good idea. Although it is also a way to make money, it is much more sophisticated than the Qingmiao Method."

Everyone, bhp.

First of all, the Qingmiao Law requires the court to pay a large amount of costs, but what cost does this cost? Several houses, guarded yamen soldiers, and more than a dozen economic people who know how to operate.

Secondly, it has a greater prospect. Qingmiao Law releases the principal, and it will be gone after it is released. But this is different. There is no need for principal, but the principal is unlimited. If it is profitable, not to mention anything else, it is how much money the people of the two prefectures in Huanqing have? Although the interest rate is lighter, the interest margin earned will be far better than Qingmiao Loan entrusted by the court because of the huge amount.

Also, if the lender does not make any mistakes, it can bring a lot of commercial taxes to the government.

As for the risks, is there no risk in the Qingmiao Law? Can each of them be recovered?

"Yu Zhao Judgment, you said it wrong. What is the consolidation? Only by levying miscellaneous taxes that the people are unwilling to impose forcibly levy can it be called consolidation. But what is the word for forcibly employed by me?"

"But there are a few points to remember that the preferential ones are sunrise industries. What is sunrise industries? I am a good citizen, and I am accustomed to laws and regulations. The industry is legitimate and has prospects. Although it is not a money-making institution, profit-making institutions should be cautious. The assessment of sunrise industries should be even more cautious. If you want to borrow, you must have a home deed, land deed, or other fixed property of equal value as collateral to lend. The loan interest is the same, an annual interest rate of one cent and a monthly interest rate of one cent."

"In addition, in order to avoid unnecessary verbal disputes, several restrictions must be imposed on lenders. Employees must not be strict with each other. The loan must not be used for other purposes, especially to use it to issue usury loans, otherwise it will be recovered immediately, and the crime of deceiving the government must be investigated, and the relevant taxes must be paid."

In fact, Wang Ju had already talked about these things just now when he was talking about his conversation with Zu Yang. I just repeated them here.

Only one month loan is added. There are two purposes: one is to facilitate short-term loans, and the other is to revitalize and utilize those "current storage".

However, Wang Ju added another: "In addition, all the children of official households and important clerks in various prefectures and counties can only be used as the surrogate party, and not as the surrogate party."

Under the centralized system, how big the disadvantages will be caused by officials in business? It is conceivable.

But this trouble has not been resolved a thousand years later, let alone the Song Dynasty. Therefore, Song Taizong and Song Zhenzong banned it several times, but none of them were banned.

Wang Ju doesn't want to get into this trouble either.

But within this small range, Wang Ju intends to stop this harm in advance.

Wang Ju said again: "Especially for taxation, the state is levied on Qingmiao loans, so it cannot further deepen the burden on the people. From now on, not only commercial taxes, including other taxes, are unified and standardized. No one is allowed to randomly levy taxes outside the regulations."

"Brother Husband, you will start to establish a charter for these things from tomorrow and implement them throughout the country."

"Okay, Zi'an, do you want to report to the court?" Zhang Feng said. He vaguely felt that what Wang Ju did was extraordinary, and its significance was far better than the Qingmiao Method.

Moreover, it seemed to have a slight contrast with the Qingmiao Law, so he suggested that Wang Ju report to the court.

"My husband, no need. If you want to implement this development fund, the conditions are too difficult. As long as you need a large number of economic people who understand economic accounts, you must not only understand but also master it. It is difficult to find this candidate. Even if you find it, it is not something that the government can afford."

"Secondly, the currency is seriously insufficient. It is impossible for the people to hold a piece of silk to store it. Then give him another piece of three-foot silk next year. What will it become? Therefore, the storage must be various currencies, as well as gold and silver, Jiaozi. However, these three are seriously insufficient. This time it can be implemented in Gyeongju because of the large amount of green salt transactions, which brings sufficient currency to Gyeongju. If it were other state troops, how many of them could meet this condition?"

"Besides, it is not as simple as seeking interest. Even if the price of the currency itself fluctuates, gold and silver are always rising. Unless someone can get a large amount of gold and silver from overseas, the price will be higher in the future. But some big merchants and wealthy people see this trend and they will not store gold and silver. Besides, the price of iron coins is gradually falling from the current trend. It is just that because the people have always lacked circulating currency, the imperial court has repeatedly banned it. Even if the copper coins themselves, the degree of hardness of each copper coins is different. Moreover, the fluctuations of Jiaozi are unimaginable. Once they continue to hold on, they will be more troublesome than what I said. I can still pay attention to it, at least during the time when I was in Qingzhou, I will allow everyone to accumulate some experience. If the whole country is in a hurry to execute it, it will be a disaster."

"When it comes to business, I talk about sunrise industries, but what is sunrise industries, I am afraid that the standards of each official have different minds. What it seeks is the interest rate spread between deposits and loans. If the loan is given less, the profits will drop. If the loan is issued in a hurry to seek profit, resulting in many dead and bad debts, it will not only cause many controversial lawsuits, but also cause serious losses."

"So the development fund of Qingzhou is just a test point. Through its implementation, we can see what problems it will have and accumulate certain talents and experience. Therefore, there is no need to report to the court."

But Wang Ju comforted again: "Of course, if it can succeed, you will be pioneers. Once the country promotes it, you will also be transferred to the capital to preside over this new department."

Going to the capital is not a dream for Wang Ju and Zhang Yue, but it is a distant dream for other officials.

Then Wang Ju threw out another list, which contained the names and information of more than 20 households on the list, all of which were somewhat similar to Zuyang, but different industries were different, some were ceramics, some were livestock, some were planting, and even two persimmon cake processing workshops.

This is all information that Wang Ju secretly touched, but if you want to issue loans to them, you must first ask them to be willing, and second, you must also conduct further investigations.

However, Wang Ju turned to other topics.

Gyeongju has begun internal governance and has a lot of business. As for what changes this development fund will bring in the end, although Wang Ju is looking forward to it, it is not easy to estimate.

In fact, this is laying the first foundation for future banks...

But Gyeongju has more than one matter, there are many other matters, such as the exemption law. What should Gyeongju do?

Everyone discussed that it was time for the moon to be shining, and then they dispersed one by one.

"Zi'an, just have some food at my house."

"OK."

The two walked towards the house that Zhang Qi temporarily rented.

Zhang Feng said again: "Zi'an, I'm only worried about two things. One is that Jiefu Guild minds."

"Well, if the court has an edict to inquire, I will explain it to the court."

"The second is that Jiefu Guild imitates Jiao."

This is inevitable. In order to accumulate funds for pacifying Xihe in Qinzhou, Wang Shao created a market law. Wang Anshi immediately took it and implemented it nationwide. Moreover, this more advanced preliminary bank prototype was created.

However, in the current situation where the currency is insufficient, there are insufficient economic talents, and the various officials have different abilities, once implemented nationwide, the harm will be no less than the market law.

This is what Zhang Feng was worried about after hearing Wang Ju's explanation.

"My husband, I need to be wary of this, so we need to raise the threshold in advance. For example, now the three armies will not withdraw from Yanzhou in a short time. I must also take the Shaanxi Pacifier and the Huanqing Road Pacifier to recruit envoys, and have the right to intervene in the affairs of the entire five prefectures. Taking advantage of this opportunity, I come back from time to time, remove all the harsh taxes, simplify taxes, formulate more standard tax policies, and make detailed explanations, use Lubu to issue them to all prefectures and counties in the five prefectures, and formulate detailed punishment regulations to punish those greedy and abused clerks, and the court implements the exemption law. Since the court has paid salaries, if I am greedy, I have an excuse to punish them severely."

"Secondly, it is important to emphasize the word voluntary. People should not force the public to store or borrow money in any form. The third is to cultivate talents and flexibly mobilize their business methods. If Mr. Jiefu is interested, I can write a letter to explain these high obstacles clearly so that Mr. Jiefu will give up in difficulty. If Mr. Jiefu still has to force himself to implement it, I can write a letter to dissuade him."

If there is a problem, it has nothing to do with Wang Ju.

However, its significance is very important. Wang Ju didn't want Wang Anshi to destroy it in order to make money, so he said: "Brother, I will work hard together. You can also think of ways with everyone to further raise its barriers, as long as you don't trap yourself in."

Zhang Feng was confused. This was the real new thing. Where can I find a way to go?

Wang Ju was also worried that what changes this Qingzhou Development Fund would bring to Qingzhou in the end is difficult to estimate now. If the effect is small, Wang Ju will be disappointed. If the effect is large, he will inevitably have to prevent fire, theft and security stones.

However, it is really too difficult to prevent security stones.

But the most important thing at the moment is the tens of thousands of troops and the densely packed salt transporters on the way, so Wang Ju returned to Yanzhou the next day.

The imperial edict had not arrived yet, but Wang Ju heard a message saying that the imperial court sent an envoy to investigate Han Jiang and Zhao Cheng.

Wang Ju said in surprise: "These two are fighting so seriously?"

A trace of worry appeared on Liu Changzuo's face. (To be continued...)
Chapter completed!