Doctor of the Great Song Dynasty: In the beginning, Li Qingzhao and Li Qingzhao made a private decis

Chapter 324
"Of course it's not just lending to a certain person. Weichen plans to expand the Green Crop Law, no longer limited to farmers, and lend money to any people in the Song Dynasty who need money. No matter who they are, as long as they have collateral, they can loan seven percent of the value of the collateral. Money for becoming a young man." Fan Zheng said solemnly.

"Seventy percent of the value of the collateral." Baiguan nodded slightly.

In this way, even if the other party has no money to repay Qingmiao, the collateral alone will be enough to offset the debt.

Fan Zheng explained: "Yes, for example, the real estate in Kaifeng City is worth [-] guan. If the head of the household comes to the bank with the title deed, he can mortgage [-] guan. After the principal and interest are returned at maturity, the Royal Bank will The land deed must be returned and the contract terminated. Of course, properties, factories and mines can also be used, and even bank dead deposit certificates and treasury bonds can be mortgaged for loans, but still only [-]% of their value can be loaned."

"This is indeed a sure profit!"

Fan Chunchuan was excited. If all Wan Wan Guan was borrowed, he could theoretically collect tens of millions of Guan in interest.

Many officials in the imperial court were very excited. The imperial government issued tens of millions of treasury bonds and was worried about the principal and interest. Now the Royal Bank uses the green seedling method to earn interest of tens of millions of guan.

Zhang Dun couldn't help but feel bitter. He thought back to the time when Wang Anshi's political reforms forced people to borrow money from young crops in order to promote the Green Crops Law.

Now that Fan Zheng is reforming the Qingmiao Law, the people will benefit from depositing the Qingmiao Law, and the merchants will benefit from borrowing the Qingmiao Law, and it can also raise a large amount of money for the court. All parties are satisfied and make money easily!
Comparing the two, it can be said that they are superior to each other.

How could Fan Zheng not know what the officials were thinking? He immediately shook his head and said: "Of course it is impossible to loan out all of these tens of millions of deposits. At least a quarter, that is, [-]% of the cash must be left as private gold and silver circulation. .”

"That's a full 750 million yuan in interest." Fan Chun said sourly.

"Of course, young crops can't all be high interest rates. After all, the Royal Bank is related to the reputation of the government, so it naturally has to contribute to the country. Now the imperial court is opening up the Maritime Silk Road. The Royal Bank can provide services to shipyards and other maritime trade-related companies. merchants, providing low-interest loans of [-]%." Fan Zhengdao.

"Six cents!"

The officials nodded slightly. In this way, the Royal Bank could not only make a profit, but also help the government.

"If local governments need money urgently and cannot collect taxes in a short period of time, they can also borrow money from the Royal Bank. The annual interest rate is still [-]%, and they only need to collect taxes and repay it. Of course, Fan can give local governments a discount , that means the government can waive the mortgage." Fan Zheng said.

Lu Dafang's face darkened. Fan Zheng was so bold that he decided to target the government.

However, Lu Dafang could not object. After all, everyone needs money urgently, and the government is probably no exception. When they need money urgently and need to do things, they may have to turn to the Royal Bank, which has sufficient cash.

Despite the advantages of six percent interest and no mortgage, all the ministers still looked unhappy.

Fan Zheng then tried to smooth things over and said: "Of course Fan is not interested in money. For students from poor families who are above the Fanzhou School, the Royal Bank can provide them with interest-free youth money, so that they can study with peace of mind and serve the imperial court in the future." , it’s never too late.”

The faces of all the officials in the court softened a little. They were all civil servants who had obtained their honors. Naturally, they knew how many poor students were struggling to make ends meet and were unable to go to school. If the Royal Bank could provide interest-free youth money to allow them to study with peace of mind, it would be A great achievement.

"After calculating this, it is a reasonable amount for the Royal Bank to earn 600 million guan per year, and then deduct the 200 million guan from private interest. There should be a profit of 400 million guan left, of course, this does not include the income from flying money." Fan Zheng He said with a look of regret.

Seeing Fan Zheng's proud look, all the officials in the court suddenly became furious.

"The Royal Bank was formed by the merger of the three major institutions of the imperial court. The profits of the Royal Bank need to be handed over to the Accounts Department." Fan Chunchun could not care about the uncle-nephew relationship at the moment. Faced with interests of more than 400 million yuan, he did not hesitate to fight for the Accounts Department.

All the officials in the dynasty agreed.

"Everything is handed over to the Ministry of Accounts. This is killing the goose to lay eggs. In my opinion, at most [-]% of the profits will be handed over to the Ministry of Accounts. The Royal Bank also needs funds. Use the money to make money, so that you can make more money for the court in the future." Fan Zheng retorted.

"At least [-]% of the profits are made. The Royal Bank has a large amount of young people's money deposited by the public, so there is no shortage of money at all."

"The Royal Bank needs a large amount of money to store. It needs to build a bank and hire bodyguards to guard and escort the money. Why is it not short of money? At most [-]% of the profits will be handed over."

"At least [-]-[-]!"

"make a deal!"

Soon, the uncle and nephew reached their respective psychological prices and reached a tacit agreement.

For the imperial court, it can earn more than 200 million guan in profits every year. Not only can it easily bear the interest on tens of millions of guan of national debt, it can even issue more treasury bonds.

For Royal Bank, being able to preserve half of its income is enough to resist the risks of bad debts and runs, and it can go further in the future.

All the officials are also happy to see the success. Naturally, everyone is happy with the extra 200 million yuan in income. As for the profits retained by the Royal Bank, its scale will be expanded in the future, and the money earned will still be half of that of the imperial court. Fan Zheng can turn stone into gold. With this ability, more and more profits will be handed over to the court in the future.

Zhao Xu couldn't help but feel excited when he saw this. The emergence of the Royal Bank allowed the court to control tens of millions of wealth. Although it was not the court's money, and the court would have to pay interest on the money in the future, it was enough so that the court would not be stretched thin when it needed money.

When news of the Royal Bank's support for maritime trade reached the public, people were even more excited!
“Loans related to sea trade only require an annual interest rate of [-]%!”

When the Royal Bank's support for maritime trade was published in the Di Di newspaper, thousands of people cheered.

Before the Song Dynasty, loan usury was as high as nine in and thirteen out, and beheading interest was everywhere, and even double the interest was everywhere. Even Wang Anshi's reform money, which he considered to be the conscience of the Song Dynasty, was young money. The interest rate is also as high as four points.

Now that the Song Dynasty is reforming again, everyone is overjoyed with the one cent annual interest rate for young crops, but they did not expect that maritime trade loans can be as low as six cents.

Suddenly, maritime merchants were shocked.

The huge profits of the Maritime Silk Road and the Royal Bank's support for maritime merchants immediately stimulated more businessmen to invest in the Maritime Silk Road, and the Maritime Silk Road became popular again.

As popular as sea trade is land trading, for which Royal Bank has a completely opposite attitude.

The Royal Bank clearly stipulates that young crop money cannot be used to purchase land. Once discovered, the principal will be withdrawn in advance and a fine will be imposed, which will immediately stop some opportunistic people.

With its strong strength, the Royal Bank can make one industry prosper or suppress another industry simply by using young people's money, which is more effective than imperial decrees.

"Perhaps, this is the purpose of Qingmiao Fafanzheng!" Zhang Dun said with emotion.

Fan Zheng is in charge of millions of dollars of wealth, and the officials in the court naturally pay special attention to every move of the Royal Bank, especially the New Party, which pays close attention to Fan Zheng's every move.

The Qingmiao Law Book is Wang Anshi's favorite work, and it is one of the concepts that the people should not be endowed but the country should make full use of it.

However, the Green Seed Law promoted by the New Party was met with mixed reviews, but Fan Zheng continued to reform the Green Seed Law, which not only greatly increased the income of the Young Seed Law, but also benefited all the people in the court, and there was no longer any complaint between the government and the opposition.

..............................

Wang family!

Wang Di knelt before the souls of Wang Anshi and Wang Yu, and said excitedly: "Father, grandfather, have you seen in the spirit of heaven, the Green Miao Method is a good method, a good method to save the country and the people!"

Wang Di admired his grandfather Wang Anshi and his father Wang Yu the most. However, the Qingmiao Corporation back then was criticized by everyone, but no one understood it, and it was directly abolished.

Even the Young Seedlings Law promoted by the New Party today is nothing more than a castrated version of the past.

Who would have thought that the infamous Green Seedling Law in the new law would actually shine in Fan Zheng's hands and become a good law that everyone praised and benefited the country and the people.Finally, the infamy of his ancestor Wang Anshi was washed away, which further proved Wang Anshi's foresight back then.

"Fan Zheng, the evil doctor!"

At this moment, Wang Di was convinced of Fan Zheng. He and Fan Zheng were both the third generation of the Song Dynasty's reform movement, and they secretly competed with each other.

Now Fan Zheng has made great achievements in the Qingmiao method and completely convinced Wang Di.

On the second day, Wang Di personally went to court and requested to be released to a county to implement the new law, regardless of the New Party's attempts to stay!

After Zhao Xu thought for a moment, he finally agreed and made Wang Di the magistrate of Jinling County.

The influence of the Royal Bank goes far beyond just Wang Di. When the news reached the Liao Kingdom, the Liao court was alarmed.

"Make silver taels into silver dollars!"

There was poor communication between the Song Dynasty and the Liao Kingdom. The first thing that spread to the Liao Kingdom was the issuance of silver coins by the Song Dynasty.

"Is this Song Shenzong?"

When the Liao Kingdom went to Beijing, Yelu Hongji looked at Yin Yuan with the portrait of Shenzong printed on his hand, and his heart was full of emotions.

He and Song Shenzong were lifelong enemies, but they had never met each other. Now they finally met each other on a silver coin.

"Your Majesty, this thing is a silver dollar. The evil doctor Fan Zheng is in charge of the Royal Bank and proposes a plan to cast silver coins. Nine silver coins and one copper. Ten silver coins in the Song Dynasty can earn one silver dollar. Although it is impossible to know exactly how many silver coins were minted in the Song Dynasty. , but according to Weichen's estimation, there are at least tens of millions of silver coins." The Minister of Household Affairs of the Liao State said with envy.

"The Song Dynasty was so lucky!" Yelu Hongji said enviously.

Tens of millions of silver dollars, according to the ratio of nine silver to one copper in the Song Dynasty, the Song Dynasty could earn tens of millions of silver dollars, easily millions of dollars.

"Issuing silver coins is very profitable and easy to trade, so it is very popular among the people. Nowadays, the silver coins of the Song Dynasty are extremely popular in the Liao Kingdom. Isn't it equivalent to letting the Song Dynasty make money from the Liao Kingdom? My grandson thinks that we are the Liao Kingdom." Silver coins should also be issued." Yelu Yanxi suggested. "

"Can!"

Yelu Hongji followed the good path.

The Song Dynasty was in financial crisis, and the Liao Kingdom was also facing internal crises. Otherwise, the Liao Kingdom would not have desperately suppressed the Jurchens in order to obtain more ginseng.

Nowadays, the issuance of silver coins has become popular in the Song Dynasty. Naturally, the Liao Kingdom was not to be left behind and decided to also issue silver coins and make a lot of money.

However, just when the Liao Kingdom was preparing to imitate the Song Dynasty and issue silver coins, another news came, which immediately shocked the entire Liao court.

“The money for young people from the Royal Bank exceeds tens of millions!”

When this news exploded like thunder in the Liao court, all the Liao ministers felt like they were struck by lightning.

Thousands of dollars!

Let alone the Song Dynasty, the Song Dynasty had never seen such a huge wealth. The Liao Kingdom thought that it surpassed the Song Dynasty. It considered itself to be the Celestial Kingdom, and it had also never seen Wan Wan Guan.

"That is to say, the Song Dynasty court has tens of millions of money in its hands." Yelu Yanxi was equally shocked.

"To the great grandson of the emperor, according to the Song Dynasty, these ten million yuan are young people's money deposited by the people. Unless it is an emergency, the Song Dynasty will not destroy its credit and use this money!" The Minister of Household Affairs of the Liao Dynasty replied.

Yelu Hongji looked embarrassed. What is an emergency? It is naturally the life and death of the Song Dynasty. The Song Dynasty has such a huge wealth in its hands. It will probably be more difficult for the Liao Kingdom to destroy the Song Dynasty, which has abundant food and sophisticated weapons.

Even in the future, when the Song Dynasty has sufficient food and grass and becomes stronger day by day, the strength of Song and Liao Dynasties will be reversed.

"Fan Zheng, the evil doctor!"

The entire Liao court was gnashing their teeth. Originally, the Liao Dynasty did not regard Fan Zheng as a threat. However, the evil doctor Fan Zheng first created a thunder that shook the sky, and then took charge of the Royal Bank to solve the financial crisis of the Song Dynasty. Now the Song Dynasty has no longer No shortcomings.

"I have a plan to break the Royal Bank of the Song Dynasty."

Suddenly, Yelu Yanxi came forward.

"The emperor's grandson has a good plan?" the Minister of Household Affairs of Liao State said in surprise.

Even Yelu Hongji glanced at Yelu Yanxi unexpectedly.

Yelu Yanxi said coldly: "The reason why the Royal Bank of the Song Dynasty can gather tens of millions of money is because of the reputation of the Zhao Song royal family. If the Zhao Song royal family ceases to exist, or there is a crisis, the people of the world will no longer trust it. The Royal Bank will definitely take money from the Royal Bank."

Yelu Hongji's eyes narrowed and he said, "You mean to send troops to attack the Song Dynasty!"

As an emperor, he instantly understood what Yelu Yanxi meant, that is, once the Liao Kingdom attacked the Song Dynasty, there would be panic in the Song Dynasty. By then, countless people would be pouring out money from young people. By then, the Royal Bank would become a Just an empty shell.

"Your Majesty, think twice! The Song Dynasty has a peerless weapon of thunder, which is extremely powerful. The two great defeats of Xixia serve as a warning. Officials are asked to think twice." Liao court officials objected one after another.

The two battles of Pingxia City completely made Zhentian Lei famous all over the world. Let alone Xixia, even if the Liao Kingdom encountered Pingxia City, I'm afraid it would not be a good thing.

"Who said that Daliao didn't have thunder that shook the sky?" Yelu Yanxi said in shock.

"What does the emperor's grandson mean?" Liao officials asked in surprise.

"Yes, now we, the Liao Kingdom, have secretly created the Sky-shaking Thunder. Moreover, our Liao Kingdom does not need to actually send troops. We only need to station troops on the border of the Song Dynasty. Then let Xixia attack, and the two countries jointly attack the Song Dynasty, which is enough to cause the Great Song Dynasty. The people of Song Dynasty are panicking." Yelu Yanxi said confidently.

It has to be said that Yelu Yanxi was indeed talented. He suddenly found the biggest weakness of the Royal Bank, which was its credibility. As long as the situation between Song and Liao was unstable, the credibility of the Royal Bank could definitely go bankrupt.

The officials of the Liao Dynasty nodded slightly.

"Now that Song and Liao abide by the Tanyuan Agreement, and the two countries have had good relations for hundreds of years, what reason does Liao have for sending troops?" Yelu Hongji frowned.

Yelu Yanxi sneered and said: "Why not? The Song Dynasty was treacherous and promised to replace the annual coins with the benefits of the Silk Road. However, the Song Dynasty quietly opened up the Maritime Silk Road and sold silk and other items. If it is not treachery, it is nothing else."

Yelu Hongji nodded and finally agreed to send troops.

"Instruct all the ministries to send 20 troops to station troops in the sixteen states of Yanyun."

(End of this chapter)