In the Southern Song Dynasty, I competed with Mongolia for the world

Chapter 492: When it comes to prodigal emperors, can Guangshen rank first?

The first step is to mint new coins, replace gold and silver with gold and silver coins, and let people exchange the gold and silver at home.

Although it is not mandatory, gold and silver will not be used for physical transactions in society in five years. Most people and wealthy businessmen will definitely have to replace some of them, unless they really save it at home and do not plan to use it for a hundred years.

The second is to set the interest rate, just like later generations, with fixed periods of one year, two years, three years and five years.

The interest rate is basically the same as that of later generations. For large amounts with a five-year term of more than 100,000 yuan, the interest rate can reach 4.5.

This interest rate is relatively high.

Private bankers like Guo Xiong in the crowd disapproved of it.

But this time, the banks are basically state-owned. Zhao Yurui has to promote this thing in order to provide money, so he unifies the interest rates of banks across the country.

There are only five places in private private banks this time, and they are all people like Guo Xiong who are related to Emperor Zhao and Rui and have a good relationship. They will definitely support the emperor in doing this.

"I'll give you one year. After one year, I want to see which bank has the highest deposits as a reward." Zhao Yurui said with a smile, "If you can get deposits, it proves that you have promoted well."

"Your Majesty, you will lose money if you pay interest on your deposit." Someone said with a bitter smile.

"It's a loan." Zhao Yurui said with a smile: "You can earn back your money if you lend it. After all, the loan interest is higher than the deposit interest."

But some people also said that nowadays loans are basically for business, the amount is relatively high, and the risk is a bit high. If all the money is lost, the bank will bleed.

Zhao Yurui said, not only business, but also many things can be loaned. As long as you promote it, the next step for the imperial court will be to carry out 'house purchase loans, land purchase loans, imperial examination loans, school loans -' Zhao Yurui applied for it in one go. Dozens of loans made everyone stunned.

You can now get a loan to buy a house, you can get a loan to buy a field, you can also get a loan to buy a shop, and the banks of the imperial court will publicize and support it.

"Someone wants to buy a house in a provincial capital or county, but doesn't have enough money? What should I do? I can get a bank loan."

"We'll lend them 70% of the market price. If they can't pay back, the bank will take back the house."

Zhao Yurui used the tactics of later generations to promote bank loans.

"The imperial court will find a way for everyone to buy houses in the county."

"First of all, the school will recruit students from the village and township levels."

"When students arrive in the county capital or provincial capital, do they need housing? How good is it to live near the school? This is the school district housing."

Most of the banks on site were government-run banks, and only five were private banks. Therefore, everyone could strictly implement Zhao Yurui's requirements. As for how many banks will make money and how many will lose money in a year, we will see at that time.

Anyway, Zhao Yurui's Da Song Dynasty is not short of money now. According to him, even if they add money every year, they must gradually promote banks and bank businesses.

"Everyone, don't be stressed. Although I hope that everyone can make money for the court, I know that the common people are difficult to deal with. I have made preparations. In the first year, banks across the country will lose five million yuan."

Guo Xiong smiled bitterly after hearing this. It was okay for the imperial bank to lose money. With Zhao Yurui and the imperial court taking care of the situation, their five private banks had to be prepared to lose money. He estimated that his bank was in Jinan, the place was developed, and the sea trade was also doing well. , You shouldn’t lose much, maybe tens of thousands at most. If you do it well, you can still make money.

This time everyone stayed in Lin'an for three days, and there were lessons every day. Emperor Zhao Yurui also showed up in person and gave them several lessons, mainly about the operation of banks and how to make money.

Among them, the presidents of banks established by the imperial court at the provincial and prefectural levels were designated as official officials of the sixth grade. In the future, the presidents of banks in other prefectures and prefectures would be officials of the seventh grade, and those at the county level would be officials of the eighth grade.

In the first two years, we will mainly build banks at the provincial and government levels. Depending on the situation and results, we will promote them to the prefecture level after two years. After five to ten years, we will have banks in every county across the country.

Of course, private bank presidents have no rank, but in order to encourage private banks to open banks, a policy of tax exemption for private banks for the first ten years is implemented. At the same time, bankers can partially reduce the taxes on other properties in their families.

This is also equivalent to subsidizing their possible loss.

In fact, Zhao Yurui still underestimated the common people and wealthy businessmen of the Song Dynasty.

Historically, people in various dynasties did not like to save money. Firstly, the common people really did not have much money. Secondly, money banks were not popular or even existed. Thirdly, the court did not have corresponding publicity. It was only after the popularity of money banks in the middle and late Qing Dynasty that people who saved money began to do so. It's much slower.

Now that Zhao Yurui is constantly promoting it, the people of the Song Dynasty are far richer than before. Coupled with his currency reform, the people of the Song Dynasty are still willing to save money rapidly.

After staying in Lin'an for a few days, the bankers returned to their respective places one after another. For example, Jia Sidao was going to Borneo Province, which was also the farthest bank in the Song Dynasty.

Guo Xiong specially invited Jia Sidao to have a meal and asked about the situation there.

"There are hundreds of thousands of local people in Borneo, and they used to use gold, silver and copper coins."

"Now they are all called the people of the Song Dynasty. The imperial court is considering building a local mint. It can exchange gold and silver coins and military certificates of the Song Dynasty. Then all the local gold and silver coins will be replaced and they will no longer be circulated in five years."

Borneo Province has more than 100,000 people left behind by the Bo Ni Kingdom and a large number of local indigenous people. Not to mention the indigenous people, they all barter and have no need for money, but the people of the Bo Ni Kingdom still use money. All kinds of money are used, including copper coins, gold and silver from the Song Dynasty, Persian coins, Dashi and other dynasties, and even those from Zhancheng and Annan. Now Zhao and Rui want to unify their currencies and use the Song Dynasty currency from now on. of.

But they can also trade with people from other dynasties, and the other coins they get can be exchanged for Song coins at Jia Sidao's war in Borneo Province.

Guo Xiong said at this time: "The minting machine is so important. The imperial court wants to mint coins in Borneo. It seems that your Majesty is very supportive of the King of Han."

The king of Han, Zhao Qi, granted a title to Hanzhou and Borneo, and Zhao Yurui wanted to set up a mint in Borneo, which shows his strong support for Zhao Qi.

Jia Sidao was the uncle of the King of Han. He immediately smiled and said: "Of course, everyone in the world thinks that Your Majesty has expelled the King of Han from the capital. In my opinion, hehe-" Jia Sidao did not explain clearly, his face was still Rather proud.
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When the two were discussing Han Wang Zhao Qi, Zhao Yurui was chatting with Wei Liaoweng in the Chui Gong Hall.

Wei Liaoweng was the first to follow Zhao Yurui. He can be said to be Zhao Yurui's confidant. Over the years, he spared no effort to support all Zhao Yurui's decisions. He and Zhao Yurui have a relationship of both teachers and friends. Zhao and Rui He respects him very much and takes great care of the Wei family.

Wei Liaoweng's two sons, Wei Jinsi is now an envoy to Liaodong and has been promoted to a feudal official. Wei Jinyu is the head of a local state-owned enterprise. In the original time and space, Wei Liaoweng's two sons did not become officials and were just ordinary people. Their fate has been completely Change.

Wei Liaoweng has been the chief minister for many years and is already sixty-five years old this year. According to court law, he will have to retire in a few months.

According to the rules before the Song Dynasty, when a prime minister like him retires, the emperor will first give a lot of rewards, and many people will even be made knights and kings. For example, Shi Miyuan was also made a king, and the last time he had to be promoted to a Taoist temple, every year Thousands of strings are raised.

Now Zhao Yurui has long since canceled the promotion of Taoist temples by retired officials, so Wei Liaoweng will have little income after his retirement.

Fortunately, in the past ten years, everyone has become accustomed to it, and their salaries in office are not low, their families have wealth, the emperor has granted land, and their sons have made money, so there is nothing dissatisfied.

"In Wei Qing's opinion, who can be the chief assistant?" Zhao Yurui discussed with him today who would be the chief assistant after he retires in the future.

Without even thinking about it, Wei Liaoweng immediately said: "Qin Zhuo, the Minister of Household Affairs, can be the chief assistant." Qin Zhuo is the father-in-law of Zhao Yurui. The eldest son of the emperor, Zhao Qi, is also entrusted outside the country. His son Qin Chen is still the governor of Borneo Province. Jia Sidao was the bank president there, and Zhao Yurui had already arranged it for Zhao Qiquan without knowing it.

Wei Liaoweng knew the emperor best and immediately proposed that Qin Zhuoke be the chief assistant.

Of course, the power of the chief minister at this time was far less than that of the Ming Dynasty. Emperor Zhao Yurui was the most powerful person.

Zhao Yurui listened calmly, and after thinking about it, he said, "Okay."

Qin Zhuo is not young anymore and cannot work for a few more years. Zhao Yurui is still young, only thirty-six years old.

It is impossible for the relatives to grow stronger. Zhao Yurui's plan is to let Wei Jinsi join the court as the chief minister after Qin Zhuo retires.

Wei Jinsi is very similar to Wei Liaoweng, so he is also suitable to be the first assistant.

The two monarchs and ministers talked again. Wei Liaoweng thought that he was about to retire and would have little chance to see the emperor in the future, so he immediately asked: "Does your Majesty want to divide the princes?"

He saw that Zhao Yurui had divided Zhao Qi so far away, and was very surprised by Zhao Yurui's plan.

Having been with Zhao Yurui for more than ten years, it seemed that they could never guess what Zhao Yurui was thinking.

Zhao and Rui stood up slowly after hearing the words, and Wei Liaoweng also stood up quickly. They came to the map together. Zhao and Rui looked at the map and said after a moment.

"In universities, I focus on promoting history, which is to make everyone familiar with history."

"In fact, every dynasty and every generation has studied history, and they all know how the previous dynasty was destroyed. However, the rulers of the past dynasties have never learned their lessons. Changing dynasties is the norm."

Wei Liaoweng listened carefully and knew what important things His Majesty the Emperor was going to say.

"According to Wei Qing, let's look at the Xia, no, the Shang Dynasty, how did the previous dynasties perish?"

Wei Liaoweng lowered his head and thought for a while: "The Shang Dynasty sent a large number of troops to develop in distant places. The capital did not have heavy troops, and the emperor was fatuous. In the end, it was destroyed by Zhou."

What Wei Liaoweng said is not entirely correct, but it makes sense.

The king of Shang became fatuous for a while. If the main army of the merchants was still in the capital, it would be useless for the king of Zhou to rebel.

Most people would only criticize the King of Shang for being fatuous, but they didn't know that the main army of the Shang Dynasty was not in the capital at that time.

In history, many foolish kings can be passed down for several generations. That is, even if they have the strength, it is useless for you to rebel.

"Go on," Zhao Yurui said with a smile.

"The King of Zhou was afraid of repeating the same mistake, so he stationed himself in Zhongyang and let the princes to open up wasteland in the surrounding areas. On the one hand, he could open up the territory and expand the territory, and at the same time, the capital was as stable as Mount Tai. However, as time went by, the number of princes increased, and eventually it turned into a situation where the big fish eats the small fish. , some princes are getting stronger and stronger. As the territory expands, they are getting further and further away from Zhongyang, and Zhongyang’s dominance over the local area is getting weaker and weaker--"

"The King of Qin unified Liuhe and dominated the world. He reflected on the outcome of the Shang and Zhou Dynasties. From the current perspective, Wei Chen believes that the practices he did at that time were still relatively advanced."

Wei Liaoweng believed that Qin Shi Huangdi strengthened the centralization of power in the central government. Not only did he not divide the country into fiefdoms, but he also established counties. From today's perspective, this was quite advanced.

The demise of the Qin State was due to the fact that Ying Shi died too early and the unification period was too short; the second reason was that Hu Hai, Zhao Gao and other monarchs and ministers were fooling around; and the third reason was that the army was outside.

The fall of the Qin State was not due to the Qin State system. It was really the result of the tyranny and harsh rule of the people in power, which caused great anger and resentment. Then hundreds of thousands of troops did not return in South Vietnam, which just happened to make people miserable.

The fall of Qin was more like Shang Xia.

"After the Qin Dynasty, Liu Bang learned from the experience of previous dynasties and felt that it was better to entrust his sons. In this way, if there is chaos in the future, the Liu family will still rule the world."

Having said this, Wei Liaoweng quietly looked at Zhao Yurui. Zhao Yurui now looked a bit like Liu Bang. He divided his sons among his sons, but only one of them was granted a title, so he couldn't be said to be completely like Liu Bang.

After the Rebellion of the Seven Kings, the Han Dynasty began to attach importance to the system of prefectures and counties. However, at the end of the Western Han Dynasty, the rise of relatives and eunuchs eventually led to decline.

When talking about his relatives, Wei Liaoweng looked at Zhao Yurui again.

I feel that Emperor Zhao Yurui’s current arrangement is quite powerful.

The prince Zhao Qi was born to Concubine Jia Guifei, and the uncle of the other prince Zhao Zhan, Qin Chen, is currently the local governor. In the future, Qin Zhuo will be the chief assistant. There is a restriction on each other. Zhao Qi's uncle is also the president of Boluohe Bank. , still quite interesting.

If Zhao Qi becomes emperor, his uncle Jia Sidao will only be the person in charge of a state-owned enterprise, and he will definitely not play much role above his relatives.

Emperor Zhao Yurui also made it clear that in the future, the relatives of the Emperor of the Song Dynasty, that is, the queen's family, would not be able to join the military or politics, and could only be the person in charge of a state-owned enterprise or start their own business.

These regulations are all written into the laws of the Song Dynasty. If the emperor wants to change it, the cabinet members will rise up to object. The cabinet dare not object. The princes below can fight. As for whether the country is in chaos or whether there will be a Rebellion of the Seven Kings, it is a matter of concern. Zhao had nothing to do with Rui, he was already gone by then.

In the future, he will directly write it into the law that the king can raise troops to fight against the promiscuous emperor. If he wants to change it at will later, for example, the emperor who will never add gifts and has a relative who is an official, he will have to consider whether he can do this.

Wei Liaoweng talked about it all the way from Qin, Han, Three Kingdoms to Jin, Tang and Song Dynasties, as well as the Southern and Northern Dynasties and the Five Dynasties and Ten Kingdoms in between.

He is also quite knowledgeable. Except for a few dynasties where he has not studied much, he can explain most of them clearly.

The decline and fall of various dynasties was basically caused by several reasons.

The first is that a cowardly king and traitorous ministers are in power, and the world is in chaos; the second is that the ministers are strong and the master is weak, and the imperial power is falling apart; the third is that foreign enemies invade and the dynasty is weak.

Zhao Yurui waited for him to finish speaking and suddenly said: "Does Aiqing know some of the most prodigal emperors in the world?"

"That is to say, the dynasty was originally running well, and as long as normal people can maintain ZTE's prosperity?"

Wei Liaoweng didn't even think about it and immediately said: "Guang Shen (Yang Guang) can be ranked first, Hu Hai can be ranked second - Tang Xuanzong Li Longji can also be counted -"

Zhao Yurui thought to himself that Hu Hai could not be entirely blamed on him. At the end of Qin Shihuang's reign, the situation in the Qin Dynasty was already a bit chaotic.

But Guangshen ranked first, and no one was dissatisfied with Xiangbi.

(End of this chapter)