The First Young Master of the Tang Dynasty

Chapter 1564 Jinyang's Talent

"Husband means that the prince brother figured it out by himself, and then went to the Xuanzheng Hall to talk to the father? Then?" Jin Yang asked.

"Then when I left the East Palace, the servants sent by His Majesty were waiting for me outside the East Palace and told me to go to the Xuanzheng Palace. Your Majesty knew about my entry into the palace. I waited outside the Xuanzheng Palace for a long time, and His Royal Highness the Crown Prince came out of the palace. I had a relieved expression on my face, and I guessed that this matter has come to an end." Xuan Shijing said: "After that, I entered the Xuanzheng Palace, and when I came out, I hurried home and didn't go there again. Donggong asked what was going on."

"The matter of the husband's bank was discussed with the emperor in the Xuanzheng Palace?" Jin Yang asked.

Xuan Shijing swallowed the food in his mouth and nodded.

"Well, I talked to Your Majesty about the issue of Tang coins before, and now the Ministry of Accounts has drawn up the regulations. After I read the regulations of the Ministry of Accounts in Xuanzheng Hall, I feel that if it is combined with the bank, it will not only be promoted faster, but also the bank will It is beneficial to the imperial court." Xuan Shijing said: "How about the bank, you have read all the things I wrote, what do you think?"

"Of course it's good." Jin Yang said: "However, in this way, the regulations originally drawn up by the Ministry of Household Affairs may have to be delayed."

"Well, it's not a bad thing to have more time to prepare. If a worker wants to do a good job, he must first sharpen his weapon. This is the reason. The bank is a tool for the currency reform that the imperial court wants. However, this device is really big, and the matter of the bank may have a certain impact on the expenditure of the imperial court, but I think that in less than a year, all the money spent by the imperial court on the bank can be recovered." Xuan Shijing Said: "So the previous investment is also very necessary."

After all, the opening of banks by the imperial court was not a matter of opening one or two, ten or eight would not be enough. How can we say that banks should be opened in all towns and cities of the Tang Dynasty at the same time?How much money will the state treasury spend to set up banks, and to set up so many banks at the same time?
It is estimated that the current treasury will not be able to spend so much money, so this plan cannot be laid out too broadly for the time being. One bank in one state is fine for the time being. After a year, it will be gradually expanded in some larger Banks are opened in counties and counties, so that the national treasury also has a breathing time.

"The coin reform has not yet started. As far as the bank is concerned, the treasury has a large amount of money. The household department, the husband's way, I am afraid it will be difficult." Jin Yang said: "The concubine is a I have an idea, my husband might as well listen to it."

"Sister, tell me." Xuan Shijing put down the bowl and chopsticks and looked at Jinyang.

After such a long time, Jin Yang has never "shown his talents" in front of him.

He has been dealing with family affairs in Zhuangzi, Dongshan County, but he has buried such a beautiful piece of jade as Jinyang.

In Xuan Shijing's heart, Princess Jinyang's talent will definitely not be inferior to that "Her Majesty the Queen who died young".

But Her Majesty the Queen who died young is still Xuan Shijing's "pot".

"Since the bank is to be established in the cities of the states first, why not leave this matter to the local officials?" Jin Yang said: "If all the treasury is to be borne, then the expenditure of the treasury will naturally be large. A small amount, in terms of the current financial resources of the national treasury, will also hurt the root cause, but if it is broken down into parts and all the governors of the local states are responsible, in this way, it will be spread out, and even a penny of the treasury will be paid. There is no need to transfer, and then the income of the bank in the first year does not need to be turned over to the national treasury, it is directly sent to the local state capital, and it is enough to enter the state treasury. , In this way, because it is related to the interests of the local government, it is bound to be a lot more diligent when doing this matter."

Xuan Shijing listened to Jin Yang's idea, the more he listened, the brighter his eyes became.

Why didn't I think of this way? !This method is simply not very good!
It has to be said that Jinyang is ruthless enough in catching people's hearts. The income of the bank belongs to the local government in the first year. In this way, the enthusiasm of the local government to build the bank will increase, even if it is a penny from the treasury. If they don't give any transfers, the local government will find their own way. Firstly, it is beneficial, and secondly, it is also linked to the official's performance. If the imperial court orders, those state governors may go crazy.

It can't be said to be a white wolf with empty gloves, but the nature is actually the same. It consumes the money in the local government's treasury, but after a year, the replenishment of the money must be much more than the consumption. How much does it cost to build a bank among them?And after the bank is built, how much money can it make within a year?

With the imperial court's reform of coins, the bank is not making money?What about bluffing?
Today’s banks are not like the banks of later generations. You have to pay interest for depositing money in them. In today’s banks, if you deposit money in them, you have to pay the bank’s management fee. Although the management fee is not much, but The sea is inclusive of all rivers and rivers can add up to a lot.

Ordinary people who don’t have a lot of money at home will not save money in the bank. The bank is convenient for people who often travel around, or people who have a lot of money at home. They don’t want to keep money at home for fear of safety. Only those who have money will be deposited in the bank. Even if you pay some management fees a year, you can rest assured that most of them are officials or businessmen, and there are also a large number of people with some money.

Of course, the people who can make money for the bank are still officials and businessmen. Their families have big businesses, especially the businessmen. The management fee is deducted from the labor cost, and the rest is earned by the court.

It may not be too much, but after the promotion, it will definitely not be too little.

All the money is concentrated in the bank, and the imperial court can use the money to do other things in a unified way, and with the treasury as the support, the bank will never go bankrupt, and it is very safe. , specializing in the management and operation of the bank, the local government only enjoys the benefits of the first year of the bank, and does not have the right to manage the bank. In this case, the local officials will not say much.

Although they planted the seeds, the seeds were also distributed by the court, right?For the fruit trees that grow, the first year’s harvest of the fruits on the trees will all belong to you. This is a benefit given to you by the imperial court.

"What do you think, my husband?" Seeing that Xuan Shijing didn't speak, Jin Yang asked after finishing speaking.

(End of this chapter)