I studied in modern times

Chapter 265 Alone in front of you (2)

Zhang Dun suddenly became alert after listening to the official's words.

Then he let out a sigh of relief.

As long as you don’t give up, that’s fine!
Immediately, Zhang Dun also realized immediately that what the official said before was actually just beating him up.

Or the new party as a whole.

He pointed out the core of the problem - blame belongs to me, and kindness belongs to others.

Therefore, the Minister of the New Law should be wiser and stop entangled.

Thinking of this, Zhang Dun's attitude became more respectful.

He probably guessed that this official must have his own ideas, so he asked cautiously: "I am stupid, please express your holy will..."

It's not that he can't think of a way.

But for this kind of thing, the emperor must give a direction.

Otherwise, you will make more and more mistakes.

As a leader, Zhang Dun must have some political sensitivity.

The young official pondered for a moment and then said: "Not all people in the world can be as literate as the people in Bianjing City!"

Bianjing has been the political center since the Five Dynasties.

The prosperous commerce, prosperous cultural scope, and the popularity of engraving and printing have brought the literacy level of Bianjing citizens to the current bottleneck of productivity.

Although no one has done statistics, we can get some clues just from the fact that people in Bianjing always like to litigate.

Would a Qian Shou who couldn't read a word know how to litigate?

Anyone who knows how to go to court must know some laws.

But what about other places?

Especially in vast rural areas, how many people can be literate in a village?
Cuoda, who is illiterate, can only be deceived.

"So, what I mean is to change the name of Qingmiao Loan..."

"How about calling it a convenient low-interest loan and labeling it an annual interest rate of two cents."

"Let the people know even if they are illiterate that the interest rate on this loan is very low!"

Zhang Dun listened and immediately complimented him: "Your majesty, the Holy Ming Wu Guo!"

The emperor, no matter whether he is smart, stupid, enterprising or coward, he always wants to coax him.

The minister can't do anything without coaxing them.

For example, Zhenmiao, if Kou Laigong hadn't performed at his best and coaxed him to Chanzhou, there would be a big question mark as to whether Bianjing would still be the capital of the Song Dynasty, or whether there would even be a Song Dynasty now.

But the young official on the throne didn't seem to accept his trick at all: "Really?"

Zhang Dun lowered his head and said, "How dare I deceive you?"

"Haha?" The young emperor smiled, but it was as if he was mocking.

"If only everything in the world were so simple..." He sighed leisurely.

Zhang Dun also sighed for some reason.

Things in the world are never simple.

It is not a policy or a decree that can be changed.

Because the government is made up of people.

Human beings have seven emotions and six desires, so no matter how strict the regulations above are, the people below can find their own countermeasures.

The system of the Song Dynasty was bloated and complicated.

Imperial decrees can only be issued at the military and state level at most, but when it comes to counties and townships, it really depends on the conscience of the officials.

But conscience is worthless these days.

Coupled with the fact that subordinate officials intervene in the middle and withhold a little bit, exorbitant taxes and miscellaneous taxes are rampant.

"So..." the official on the throne said: "I am thinking, can this convenient low-interest loan be supervised by the government and privately run?"

Zhang Dun listened and his whole body immediately exploded: "Your Majesty, you must not..."

Although this was his first contact with the concept of government-supervised private operations.

But Zhang Dun understood it immediately.

Literally.

It is nothing more than handing over Qingmiao Loans, packaged as 'convenient low-interest loans', to private households for operation, and then subject them to government supervision and tax collection.

This is not unusual in the Song Dynasty.Mining basically follows this model.

The wine tasting method has a similar pattern.

But the problem is that these two things have an important prerequisite-the government can directly control it!
For example, the mining mines are there.

Private mine owners must follow government methods if they want to operate.

The same is true for Liquor. The government monopolized and controlled Liquor.

If a private person wants to make wine, he must purchase the distiller's yeast from the government.

So the households began to use their own financial resources to reach an agreement with the government to purchase the property.

There are 32 official stores in Bianjing City - each of them paid a lot of money to buy this year's liquor quota from the government. They also used this to completely monopolize the wine industry in Bianjing City, and other people wanted to buy wine. , you have to purchase goods from these 32 official stores.

And Zhang Dun knows that whether in the mining or wine industry, businessmen are driven by profit-seeking.

They spend money to make more money.

In the same way, if the convenient low-interest loan is privately operated.

The households in the situation would either simply abolish it and not issue this loan in their own territory. They would simply treat it as paying protection fees to the government in exchange for the privilege of having free access to the local area.

Or the fat must be divided.

Two years of interest?

Even if you give it all to them, it won’t be enough!
Starting at [-]%, compounding profits is the normal operation.

……

Zhao Xu sat on the throne and looked at Zhang Dun's stabbing appearance.

The smile on his face finally couldn't be suppressed anymore.

He smiled brightly.

This is the Zhang Dun he is familiar with!
A minister who usually likes to joke and seems unreliable, but at critical moments, he will definitely be tougher and more principled than anyone imagined!
Therefore, in the early years of Yuanyou in the previous life, the old party, led by Sima Guang, covered the sky with one hand and everyone was silent.

He stood up and almost single-handedly drove Sima Guang out of the court.

It's a pity that what he met was the old party scholar-bureaucrats who didn't know how to play with the rules.

then……

Although Zhang Dun let Sima Guang expose his shortcomings in front of the world.

However, he was slapped with numerous labels, accused of being a traitor and a villain, and was kicked out of the court.

So, he roared angrily in front of the emperor: "How can I have a sword with you?"

Fortunately, Zhao Xu is already familiar with Zhang Dun.

Therefore, he smiled and said: "Mr., don't be anxious..."

"This matter does not need to be done immediately... we will take your time to figure it out!"

“Let’s consider other things first and then talk about it!”

"I have plenty of time. If it doesn't work in one year, it will take ten years. If it doesn't work in ten years, it will take 20 years... I can always think of a proper solution..."

This is actually a painted cake.

It is also a deliberate attempt to reduce public confrontation and hostility among the public.

Of course, it’s not just cake painting.

After the Song and Liao Jiaozi were released for a few years, the reputation was completely stable and the people accepted and recognized it.

Then take advantage of the trend and launch the modern banking system, even institutions such as banks from the Ming and Qing Dynasties.

In this way, whether it is easing the money shortage or lubricating the economy of the Song Dynasty, it has good results.

What a smart person Zhang Dun is?
As soon as he heard this, he could hear the underlying meaning of Zhao Xu's words.

Of course, he was only on the first floor. After thinking about it, Zhang Dun bowed: "Your Majesty, the Holy Ming Wu Guo!"

Look!

Just now, I was still stabbing, but now my Majesty is wise and clear again.

This emperor, if you want to be a good emperor, it is indeed a tiring job.

It's no wonder that when many emperors were young, they clearly worked hard and achieved great results, but after middle age, they began to let their sheep go to waste.

The reason is very simple - I have worked hard for the world for so many years, what happened to enjoying it?
　My stomach is very bloated today and my stones are hurting. I am really not in a good condition, so I have to take a day off.

　　Get up early tomorrow and update your debt repayment. You should be able to pay off what you owe today.

　　
　
(End of this chapter)