Prime Minister

Chapter 441 Why is an official?

At this time, there was snow falling in front of the Jiaoyin prison hall, and it was near the Laba Festival, and it was freezing cold, so Cai Jing ordered people to add more charcoal basins.

Zhang Yue glanced at everyone's expressions.

Everyone didn't express their opinions in person, and they didn't pay much attention to it when they heard that no one had the idea of ​​dealing with the prison.

Zhang Yue saw that everyone's awareness was not enough, and he also knew that his views were indeed ahead of the curve.In the past, there were unhealthy trends in business operations, and they just deliberately didn't manage them well.

Why?It’s because you’re afraid that if you manage well, you will be missed by others, and you will be transferred away, and then someone from above will be sent down to plant peaches or send someone to plate it with gold, so you will hang around there, making a lot of money in private. The good thing is that the employees below who don't know what's going on only know how to scold the leader.

This is also the reason why Zhang Yue has a board of directors and mixed management.

Next, Cai Jing reported to Zhang Yue the operation of the Exchange for one year.

Cai Jingyan said that two warehouse banks have requested gold, silver and salt banknotes from the Exchange for loan purposes.

One of them, Lu Yuan, is well-known in Bianjing. Zhang Yue has also heard about this person. This person said that he has four wishes in his life. pay.

Regardless of the other three wishes, the fourth wish can be called a classic, and even save money for visiting brothels.

This Lu Yuanwai is usually the owner of fleas with back cramps and paint on black bean skins, and his business is "stopping the couch to decontaminate" and other daily profitable businesses.

Another one is a lake merchant. This lake is not Huguang, but Taihu Lake.This is a prosperous place in the Song Dynasty, and the merchants are also bullshit.

In addition to operating quality warehouses, lake merchants also have bookshops, which are called Beijing debts by the candidates for election to Beijing, re-appointment, and officials who go to office.When Zhang Dexiang knew Yushan County, he took [-] Beijing debts to his post, and several wealthy monks in Yushan County generously donated money to help him repay the loan.Zhang Dexiang also wrote poems to thank him.

As for Shusi Zhangyue, he had seen it when he was studying. In addition to helping scholars to take exams, he also lent loans to scholars.

Now both Hushang and Zhang Yuanwai have found the Exchange.

Zhang Yuanwai borrowed 20 gold and silver banknotes from the Exchange at a monthly interest rate of 30% (annual interest rate [-]).As for the lake merchants, they borrowed [-] yuan from the Exchange at a similar monthly interest rate.

Both were paid for by land and houses in central Beijing.

Of course, these two families did not do good deeds, and sent money to the Interchange Office in vain.After they borrowed huge sums of money from the Exchange, they injected the huge sums of money into their own warehouses and bookstores, and then lent them out at higher interest rates.

Zhiku Shusi is not the last place to lend money. There are Yaren under Zhiku Shusi who specialize in lending money to the people and extracting interest layer by layer.

Cai Jing heard that this method is good.

Because it is a taboo for the government to openly lend money to the people, it is impossible for the Jiaoyin prison to come forward on its own. Instead, the money is handed over to the private treasury to loan the money out, which saves trouble and earns interest every month.

This is like the father of the central bank setting an interest rate, lending the money to the local bank, and the local bank will borrow it at a higher interest rate, and finally return the money to the father of the central bank at the original interest rate.

The central bank's father saves the link for private lending.

Cai Jing felt that this business could be done, and at the same time, it had another benefit to the Exchange.

Because the exchange exchange exchanged salt bills in different places, it charged [-] yuan and charged [-] yuan as a handling fee.

As long as the exchange can release the loan, it can encourage merchants to deposit more gold and silver in the exchange by exempting the service fee.Even improving the business links in the future saves costs, and can also give certain interest to merchants who deposit gold and silver in the exchange for a long time (such as three years, five years).

Zhang Yue looked at Cai Jing's plausible words, but showed regret.

Is Cai Jing incorrect?

Isn't Cai Jing smart?

But right, is the shrewd Cai Jing available?

In history, the annual income of salt banknotes in the Northern Song Dynasty was only more than 200 million guan. Cai Jing reformed the salt law. In addition to understanding salt, Huai salt and Zhejiang salt were also included in the scope of salt banknotes. The annual income of salt banknotes in the Song Dynasty reached more than 2000 million guan, and the income was doubled. ten times.

Song Huizong saw that Cai Jing had exchanged salt banknotes for cash and moved them into the imperial court in cabinets and cabinets. He proudly said to the left and right: "This grand master sent me to add money."

People in the Song Dynasty commented on Cai Jing's reform of the banknote method, saying that the imperial court only used salt banknotes, not gold and silver, and although it was huge, it was effortless.

This sentence seems to praise Cai Jing, but the next sentence is another sentence, but one day he is a rich businessman, and in the evening he is a beggar!

So what if Cai Jing is good at managing money?The Northern Song Dynasty died.

Zhang Yue thought of this, and suddenly said: "Everyone, what do you think you are doing to transfer to prison?"

Shen Yan, Shen Chen, Cai Jing couldn't help being taken aback.

To lower the price of salt in the capital?

To keep the salt money?
For the circulation of salt money?
Cai Jing thought about several answers in his heart, but he felt that they were both right and wrong. With Zhang Yuezhi's words, he would not ask because of this.

Shen Yan asked calmly: "Dare to ask the bachelor, what you are doing is a matter of treasury revenue?"

Zhang Yue was noncommittal.

Zhang Yue put on his cloak and got up and walked to the eaves. The outside of the hall was already full of snow. He put his hands into the charcoal basin to warm the fire, and after warming his hands slightly, he said: "At the beginning, I once said to Wang Jiefu that the money in the world is divided. For the third class, the first class is earned by labor, the second class is profit, and the third class is land rent!"

"What money do you think I earn at the exchange?"

Cai Jing said: "Land rent!"

Zhang Yue said: "That's right, it's land rent money! Land rent money is money generated by money, and I call it capital!"

"May I ask you, is it easier to get money from labor? Or is it easier to get money from capital?"

"The annual salary of an imperial soldier in the Song Dynasty is fifty guan, and the interest of five hundred guan is calculated as [-] guan per year. Is the life of the imperial army worth five hundred guan?"

Speaking of this, Zhang Yue thought of the old man who begged hard in front of the exchange office that day, the man who jumped to his death from the Bian Bridge, and Liu Zuo who was still comatose on the couch.

Putting his hands together, Zhang Yue glanced at Cai Jing and said, "Everyone, don't forget that this exchange office belongs to the imperial court."

It is too easy to use financial means to amass wealth. Once a person has tasted this taste, he will never quit.Just as a person does not engage in production at a young age, but wants to make a fortune through stock trading or even gambling, even if he makes money, he will be useless sooner or later.

Only productivity is the root of social prosperity!

Although Cai Jing, Shen Yan, and Shen Chen are outstanding people for a while, what they lack is vision and pattern.

Don't be afraid of floating clouds to cover your eyes, just because you are at the highest level.

The profit-seeking of capital makes people obsessed with the appreciation of capital, and turns capital that serves people into people who serve capital.

So what is the exchange for?
Or what is the purpose of my Zhang Yue running this exchange?
Zhang Yue thought of Li Hongzhang's words.

Enjoying the good fortune is not about being an official, as long as you have money in your pocket, millet in your warehouse, and poems and books in your stomach, you will be the prime minister in the mountains; you don't need to take medicine to pray for the new year, and hope that you will be free from illness, worry-free, and have no creditors in your family.

What is the purpose of being an official?
For money?It's enough to eat a lady's soft rice.

For the supreme ruler?I am the first, the first dual, and the merits of making decisions. As long as I don’t stand in the wrong team and move step by step, I can go up even if I don’t have 30 years of qualifications.

So what do you want as an official?
Zhang Yue turned his eyes to the pond in front of the hall, but he saw that the snowflakes were submerged in the pond and disappeared without a trace.

In addition to money and power, a higher level is to display ambitions, so that one's ideal destiny is closely related to the country and the nation.

The country is revitalized because of my efforts, and the nation is rising because of my struggle!
It seemed a bit loud when he said it, like throwing stones to fill the sea.

But Jingwei's reclamation is the spirit of the Chinese nation, and generations of sages throughout the ages have done the same thing, and there will be vicissitudes of life.

In this case, I will try in this direction, and I don't know if it will succeed or not.

Thinking of this, Zhang Yue picked up a stone from the front of the hall and threw it into the pool.

A sound of water!
(End of this chapter)