Survival Three Kingdoms

Chapter 608
Zhou Cang is happy to see the four-legged situation, so that he can give himself enough time to carry out economic and spiritual construction. He set this time as three years.At most three years, to lay a solid foundation, it is necessary to send troops to capture the hinterland of the Central Plains and drive Cao Cao to the northwest. At that time, either Cao Cao will continue to expand to the Western Regions, or he will compete with Liu Bei for Yizhou.As for Sun Quan, Zhou Cang intends to stay again. The faster Sun Quan expands, the greater the crisis, because he simply does not have enough manpower and troops to maintain it.

Zhou Cang has too many affairs.Liaodong Bank has been in business for a year, and its business scope is limited to currency exchange and bank note issuance. It is only after calculating the income that people realize that its huge profits are simply outrageous.After deducting mining and coin casting costs and various labor costs, the profit reached 20 silver dollars.This is only the initial stage of opening. After the business expands, profits can be imagined.

Silver coins and bank notes have been deeply rooted in the hearts of Pingzhou, Jeju and Yingzhou. They are so convenient to use, and the coins are of high quality, so you don't have to worry about the fineness and quality.Han Yue was somewhat worried. With the large amount of silver coins being put in, would Yingzhou's output be enough?Facts have proved that his worries were in vain. Yingzhou's silver production is extremely rich, and it will not be a problem to mine it for decades.

The most prominent problem is that it seems that there are always so many old misers. There are always quite a few people who like to exchange them for silver coins and seal them in jars and bury them deep in the ground.This approach not only increased the input of silver coins, but also made Zhou Cang's inheritance tax only limited to land and objects, and it was impossible to measure the currency.

After the promulgation of the inheritance tax, there was an uproar in Liaodong. Many people accused it of violent collection, but they were suppressed by Jiang Gan’s mission department. The collection of agricultural taxes has benefited the common people. It is a grace to be rewarded for one generation, and the common people should be grateful to repay it. It is often said that the rich can only last for three generations. Why is this?For the sake of future generations, the ancestors prepared the golden mountains and silver mountains. In the end, only the prodigal sons will be raised. The sword is sharpened by itself. Only by ourselves can it be passed down forever.Is Liao Gong's wine pool and meat forest full of wine?No, Liao Gong said that taxes are collected from the people and used by the people. They are used to support the army, run academies, improve grain and farm tools. Don’t think about children’s schooling without spending money. Where do such good farm tools come from? of?Jiang Gan won the support and understanding of the majority of the people, while the minority voices of opposition were drowned in the crowd, and were even criticized.

The problem of inheritance tax is solved, but the storage of money has always been a major issue that troubles Han Yue.Compared with silver bills, silver dollars are more convenient to store and maintain their value. In order to avoid inheritance tax, some people sell land for silver money and use silver money as inheritance.Han Yue asked Zhou Cang for advice, and Zhou Cang laughed. There are policies at the top and countermeasures at the bottom. This is an eternal truth.To promote land transactions, although the transaction tax is lower than the inheritance tax, it is troublesome enough, and it may not be possible to own the original land again. I really don't know what these people think.

As for the hoarding of coins, Zhou Cang wrote back to Han Yue, didn't you propose to start a loan business?I have now approved to open a bank for deposits and loans.There are three principles for deposits: voluntary, free, and confidential. Anyone can open an account in the bank and deposit money. The bank pays interest every year. At the same time, they can apply for a loan from the bank with collateral and guarantee, but they need to pay interest to the bank.Banks are only engaged in deposits and loans, and foreign loans must not exceed [-]% of the total deposits. The money received must be handed over to the bank except for daily expenses, in exchange for bank notes.The Liao government, commercial banks, and banks jointly guaranteed the bank, ensuring that depositors would never suffer losses, and so on.Zhou Cang wrote ten pages to Han Yue with what he could think of and his understanding of the bank, and finally said that this was just his own experience, and asked Han Yue, Zhang Jin, and Han Cheng to discuss carefully. Profits cannot be too high.

Only then did Han Yue understand that his thinking was too narrow. Zhou Cang not only wanted the bank to make a profit, but also wanted to make the bank an important driving force for economic development. Gather together, not buried in the ground, even if there are, it is only a small number.The three of Han Yue discussed repeatedly, and the articles of association were repeatedly revised. The more they changed, the more they felt that there was a way in it, and the more cautious they needed to be. In the end, the three discussed not to rush, and set the opening date of the bank in March of the 21st year of Jian'an, and transferred Han Cheng from Yingzhou to organize this project. thing.

In the early days of the court's implementation, it was not as good as imagined. The common people liked to privateize small matters, and they went to the villagers for major matters, and they were rarely willing to report to the officials.The laws of the family are greater than the laws of the country, and the elders in the village and the patriarchs and elders of the family are more effective than the county magistrate.Even though there are college students at home, even if he argues with his parents, he will wither after being beaten with two sticks.Xun Chen and Chen Ying had a lot of headaches, but they didn't dare to intervene for fear of causing a civil uprising.

Xun Chen is also very comparable. He visited the folks and found three reasons: one is that the people live together in a group, set up a patriarch and set up a ancestral hall, and the ancestors and the patriarch have a lot of words, and the small family obeys the big one; They don't want to show their faces, let alone meet officials; third, no matter how they preach, the people are still indifferent to the law.Find out the reason, you can prescribe the right medicine.Xun Chen set a strategy of starting from simple to difficult, step by step.

First, set up a mediator, who is jointly elected by the people, the government, and the court, and specializes in the mediation of civil affairs. As long as non-major cases can be mediated by the mediator, there is no need to go to the court.The mediator is unofficial, but must be reviewed by the government, and the court will review its professionalism.This move can not only avoid seeing officials, but also begin to weaken the power of the family and village elders.

Secondly, carry out preaching and distinguish between family affairs, family affairs and foreign affairs.In particular, family affairs and clan affairs are strictly separated. The patriarch and elders are in charge of clan affairs. They can establish ancestral halls, compile genealogy, be the chief priest, ask lonely elders, pass on the teachings of the ancestors, and execute punishments that must not violate the code of law.This is a small compromise on the surface. In the dark, Xun Chen has already issued a ban that strictly restricts the land for those who live together as a group. If they want to buy more land, they can only go to other counties.Through land restrictions, the expansion of the clan is controlled, thereby being differentiated.There is also a secret: Zhou Chong has ordered Jin Yiwei to dig out the misdeeds of the clan elders. Once the investigation is confirmed and the evidence is solid, Xun Chen will make an example!

Furthermore, a head tax is levied on households with more than ten people, one silver coin per person per year, and government offices are not included.Although the money is not much, it can play a role in restraining the big households. You have to pay taxes or separate the family, and the separation will lead to division.

The last one is that no lynching is allowed on members of the army, officials, or students, and those who violate it will be doubled.According to Xun Cishi, these are the pillars of the country, and the laws of the country should be implemented, which extends to the fact that the laws of the country are higher than the laws of the family.

(End of this chapter)