A great man of the Northern Song Dynasty

Zi Chou Yin Mao.

The so-called Yin eats Mao grain, which means eating next year's grain this year.

At the national level, it means paying taxes this year and next year.

This is a very difficult operation.

According to past practice, the rulers are more willing to adopt the method of increasing taxes. What do you mean, tax more this year and less next year...

The country's annual consumption is fixed there, and once it receives less, it will form a deficit.

So maybe you drank too much?

Go drink some horse urine to sober up!

And once there is a shortage of money at the national level, it will be really overwhelming, and even if there is a slight possibility, it will be done.

Therefore, those who have methods are talents, and those who have good methods are talents!

Tang Ren's words made Jun and his ministers think carefully.

"Your Majesty, I believe that Tang Ren's financial management skills are second to none in the Song Dynasty."

The number one in the Song Dynasty was naturally Shen An.

Tang Ren stood with a smile, looking somewhat graceful.

"What a great Tang Ren!"

Han Qi praised him and slapped him casually. Zeng Gongliang was hit in the thigh. He really wanted to fight this old guy.

Zhao Shu nodded, "Then why not borrow money from a bank? This way you don't need to risk the devaluation of banknotes, and you don't have to pay interest if you borrow money privately."

We can't blame Zhao Shu for being careless. The financial situation of the Song Dynasty was corrupted by the Zhenzong Dynasty. It was unfortunate that during the reign of the late emperor, when Zhao Shu came to the throne, he was faced with a situation where there was no money in the palace and no surplus food in the three divisions.

Things are getting better now, but he still doesn't dare to spend money lavishly.

"Your Majesty, the bank has a lot of money. Once the government borrows money, the amount will definitely be large."

Han Qi nodded, "Yes. If the amount is small, there is no need to borrow money from the bank. The government cannot afford to lose this person."

"Yes!" Tang Ren said: "If you borrow a large amount from a bank, the bank will inevitably be short of money. What will happen if the bank has no money? It will tighten lending...that is to say, it will reduce borrowing. At the same time, it will also increase interest rates. Attract money to deposit, otherwise it will easily close down if there is a run."

Bao Zheng asked: "But this time I got a large amount of money back from the northwest and deposited it in the bank. Why is there a shortage of money?"

"This..." Tang Ren said: "The bank has to make money. If it doesn't make money...how will the interest be paid? So if you have more money, lend out more, and you must find a way to lend out."

"How about more money?" Han Jiang was suddenly very interested in knowing Shen An's views on finance.

"That's simple." Tang Ren said calmly: "On the one hand, you can reduce the interest rate on borrowing to expand borrowing, and on the other hand, you can reduce the interest rate on savings and reduce deposits. If you do both together, you will naturally maintain the state of making money."

Han Jiang nodded, "It is reconciled with interest. If you think about it carefully, it is impeccable. Is this what Shen An calls financial methods?"

"Yes." Tang Ren said: "The art of finance is broad and profound. I think about it every day in the bank, but I still walk on thin ice with trepidation."

"What a plan!" Zhao Shu also understood and praised: "If this is the case, the bank will advance and retreat at the same time, and there will be no difficulties."

"No, Your Majesty, the bank still has difficulties." Tang Ren said: "For example, bad debts. That is, if there are more people who cannot repay loans, the bank will be in trouble."

"What should we do?" Zhao Shu suddenly pointed at Zhao Xu, "Prince, tell me."

Han Qi took the lead and laughed, followed by Zeng Gongliang.

"Ha ha ha ha!"

A few young people were playing tricks, and they actually blinded a group of old men in the Great Song Dynasty Hall.

But at this moment, everyone has woken up and understood the origin of this matter.

The king and Shen An are the masterminds, and Tang Ren is the ultimate beneficiary.

No, it should be said that the Song Dynasty was the ultimate beneficiary.

Zhao Xu left work, looking a little dull.

This son is pretending to be stupid!

Zhao Shu coughed dryly and said, "Just say it."

"Yes." Zhao Xu knew he couldn't hide it, so he said: "Generally speaking, bad debts are related to the economic situation of the Song Dynasty. If the economic situation is good, then everyone will have more opportunities to make money and there will be fewer bad debts. If the economic situation is bad, , it is already difficult for everyone to maintain their current life or business without being able to repay the bank's loans. Some people have directly lost their homes and become poor, or their businesses have been unable to continue and closed down...

If there are a lot of bad debts, the bank will analyze the reasons one by one. If it is found that the year is bad, the reasons must be found and reported to the government immediately. "

Zhao Xu raised his head and said confidently: "Your Majesty, this is one of the responsibilities of the bank. What do you think?"

Han Qi nodded, "Did the Third Division have such detailed responsibilities before?"

Han Jiang shook his head. He was not to blame for this, so he was very calm.

Just thinking that a few young people could tinker with such detailed things made him feel a little ashamed.

"So I think the bank can take over the finance of the Song Dynasty."

Zeng Gongliang came out and said: "I second the proposal!"

"I second the proposal!"

"..."

This is undoubtedly part of the New Deal, and Sima Guang knows it very well.

Starting from the official system, starting from the responsibilities and powers, and modifying the structure of the Song Dynasty step by step, what will happen in the future?

He seemed to see a strange Song Dynasty. There was nothing familiar about this Song Dynasty. The strangeness made him feel scared.

Why is this so?

He was a little confused.

The meeting is over.

Han Jiang walked up to Tang Ren, stared at him and asked, "Did Shen An really not give the order?"

Tang Ren said firmly: "After Shen Longtu returned from the northwest, the official and he did not meet."

Han Jiang patted him on the shoulder and said, "You will be formidable!"

Tang Ren smiled and said, "You're flattered."

He walked out of the hall and suddenly found that the world was different.

As the judge of the Third Division, he was now independent of the Third Division, commanded the banks, was in charge of the Song Dynasty's finances, and could serve as the king's advisor.

This responsibility is more like fortune telling!

He returned to the bank all the way, and the guys greeted him with their hands.

After entering the check-in room, the first thing he did was lean behind the door and laugh silently.

His body was shaking with laughter, and gradually, he squatted down and began to sob.

His career experience can be described as complicated, and he has been living in obscurity until he met Shen An.

While in the Privy Council, he followed Shen An and negotiated with envoys from various countries, and gradually learned a lot.

Then he went to the northwest and hung out with Zhe Jizu.

He was a little confused and a little aggrieved at the time, wondering why he was brought to the remote northwest since he was from Shen'an.

How to make meritorious service in the northwest?

His grievances were relieved through difficulties one after another. After killing the enemy for the first time, he went crazy.

He knew Shen An's intention of letting him go to the northwest.

——If you want to make a difference, if you want to be a high-ranking official, then you must go through countless hardships, whether it is civil or military, you even need to risk your own strength, otherwise you will not know anything when you stand on the temple in the future. It's called battle formation, what is bravery?

So he gradually matured.

Later he went to the southwest.

In the southwest he saw a different situation.

The people were poor, the natives were in rebellion, and the Cochins took advantage of the situation to plunder.

what to do?

Deal with the natives first.

There he learned that one must be flexible and that as long as it can solve the problem, there is no need to stick to means.

Shen An said that the officials of the Song Dynasty serve the interests of the Song Dynasty. We must do anything that is beneficial to the interests of the Song Dynasty. As long as it is not conducive to the interests of the Song Dynasty, don't do it even if you are killed.

This is the purpose of being an official.

After returning to Beijing, he thought he would have a great future, but in the end he ended up in a bank.

Bank...

The family said he was a businessman.

He served as an official for many years and eventually went into business.

Even my father-in-law feels embarrassed, the neighbors sometimes snicker behind my back, and my children are laughed at when they go out.

But he didn't feel confused.

Under Shen An's guidance, he understood a truth.

——A country can be strong with the army, but it will eventually be defeated by money and food.

Let’s not talk about the deep-seated reasons for the collapse of the Former Han Dynasty, but as far as the superficial reasons are concerned, it is a natural disaster...

Natural disasters cut off food supplies. What if we had huge reserves?

So will the Yellow Turban Army still cause chaos?

If the former Tang Dynasty had abundant money and food, would the military system of the government collapse?

Looking through history books is to find the reasons for the rise and fall in the fog, and what appears on the surface is the lack of money and food.

Shen An said that the bank would prosper, so he worked diligently to open branches one after another...

He is holding it in.

Many people say that Tang Ren is just a businessman. He never gets angry, he just smiles.

But he kept holding it in.

Until today.

It's all over!

He wiped away his tears and pulled out a tub from under the couch.

There are some pieces of paper soaked in the tub.

He picked up the soaked paper, stuffed it into his mouth, chewed it slowly, and swallowed it.

The night before yesterday, when he was checking the accounts at the bank, Wen Xiaozhong came quietly and gave him these pieces of paper, asking him to memorize and understand them before destroying them.

These pieces of paper recorded Shen An's understanding of the Song Dynasty's finance. Tang Ren read it carefully and felt that this was the secret technique to solve the Song Dynasty's financial dilemma. He was mesmerized and recited, then destroyed.

He swallowed the soaked paper and burped.

"What? It turned out to be...we turned out to be Da Song's money bag?"

Suddenly there was an exclamation from outside.

"The news just came. The officials and ministers consulted the judge in the court and were full of praise for the judge. The officials personally agreed. From now on, the Song Dynasty Bank will be the money bag of the Song Dynasty. Anything related to money will be dealt with in the future. It’s under our jurisdiction!”

"Judge!"

"Where is the judge?"

The clerks and officials came happily.

Tang Ren burped, then opened the room door and said with a smile: "What's the matter?"

"Judge, is it true that Qianzhuang will be in charge of Song Dynasty money in the future?"

The affairs of the bank are more like business, so the officials who work here are not very motivated, but at this moment everyone is excited, and the joy of turning around makes them smile.

Tang Ren nodded with emotion: "Yes."

Suddenly the bank went crazy!

"Are we actually the money bag?"

"Ha ha ha ha!"

Everyone knows the importance of being in charge of the money bag. From then on, everyone's status changed, from stepmother to legitimate son of the first wife.

This change was so sudden that the bank's business came to a standstill for a long time.

"Judge, aren't you trying to trick me?"

"shut up!"

Tang Ren said with a straight face: "It's nonsense. Prime Minister Han is the scheming prime minister. Who do we think we are? We are just money managers."

But he knew very well that as the bank played an increasingly important role in the Song Dynasty, the status of the person in charge of the bank would also rise.

Someone wants to be a husband-in-law!

Tang Ren felt hot all over and said, "I'm going to treat someone later, let's all go drink."

After the bank closed, he bought some vegetables and went back.

"I've met Judge Tang!"

When a neighbor saw Tang Ren, he smiled and cupped his hands and said, "I heard that Judge Tang was re-employed by the government today. We, the neighbors, are so honored. If the judge does not give up, he will go back home to drink."

"Meet the judge!"

"Hey! Judge Tang is back."

More and more people are coming out of the alley.

Ms. Chang held her baby in hand and stood with her daughter at the door of her home, watching the scene with a smile.

The aunt raised her head and asked: "Mom, UU reading www.uukanshu.net dad seems to be very happy."

Mrs. Chang nodded, "Yes! Your father...this is a proud moment, so he is naturally happy."

"What did daddy do?"

"Your father has been promoted."

"Daddy!" Auntie waved.

Tang Ren smiled and waved, then walked over quickly. He picked up the young son in one fell swoop.

The aunt pulled his clothes and asked, "Dad, have you been promoted?"

Tang Ren lowered his head and smiled: "Yes, dad has been promoted."

"Then eat something delicious."

"Okay, whatever you want to eat today, daddy will buy it for you!"

…

The third update, there are two more chapters.