It turns out that the first proposal was mainly to clarify the benefits generated by housing loans, break the existing high-interest rate trend, and create a low-interest precedent.
If these two points were taken separately, neither would be attractive to Wang Anshi, but when combined, they aroused his considerable interest, and the low interest rate could also generate profits.
But what should the court do
How to legislate
How to supervise
Wang Anshi subconsciously thought that this was of course his own business and Zhang Fei definitely didn't understand it.
Little did he know that there was a surprise waiting for him.
What a pleasant surprise.
The second proposal is not an ordinary proposal, but a housing tax reform proposal.
The reason why Wang Anshi was angry was that in his opinion, this was the most important thing and its value was far greater than the first plan.
The core idea of this second plan is to distribute the tax to all households.
The Northern Song Dynasty was notoriously heavy in terms of taxes and levies.
This was especially true in Bianjing.
After all, in rural areas, most of the taxes are just land taxes and labor services, but in cities, there are deed taxes, business taxes, customs duties, capitation taxes, house taxes, and many public fees, etc.
This proposal is to integrate many taxes into one tax - property tax, which can actually be called deed tax, because the basis of property tax is the contract.
Compared with the simple and crude inter-frame tax in the Tang Dynasty, the house tax in the Northern Song Dynasty was relatively mature.
First of all, house tax is only levied on citizens, not on farmers.
Secondly, different taxes are levied according to the size of the house and the location.
Finally, the property tax is not very high and, on average, is very reasonable.
And it was on this basis that Zhang Fei included more taxes into the house tax. As far as Bianjing was concerned, there was a large population flow, and many taxes followed people, which was very troublesome. There were many loopholes, which led to countless tax evasion. However, houses are real estate, and if taxes are collected from them, who can escape!
Wang Anshi was fascinated by this, but then again, house tax accounted for a very small proportion of the entire financial situation of the Northern Song Dynasty. He had ambitions to rule the world, so it is not certain that this benefit would be so attractive to him.
The key is that the reform ideas proposed by Zhang Fei are very similar to many of his ideas, and there are many that he had never thought of. It is no exaggeration to say that he has benefited greatly from them.
This excited him.
However, there is no free lunch in this world.
Zhang Feike is not offering advice out of obligation.
What he said just now was very clear. He had his own purpose.
According to his reform, many types of taxes would be concentrated on house tax or deed tax, so that the contract would become the top priority.
This is Zhang Fei’s strength.
If successful, a piece of contract could be worth more than a fortune.
Of course, signing a contract is not an easy task.
To date, Zhang Fei has not yet produced a complete sample mortgage contract.
The reason is not that he is hiding it, but that it has not been established yet. After all, times are different and one cannot copy everything. Many aspects must be considered, and he is also very cautious about this.
This is the battle that made him famous!
... ..
“Hiccup…!”
Standing in front of the Xu residence, Wang Anshi burped, took Xu Zun's hand, and said with a smile: "Thank you Zhongtu for the wine and hospitality. Anshi's trip was worthwhile!"
Xu Zun chuckled and said, "I wonder if it's the wine or the person who's good?"
"All good! All good!"
Wang Anshi laughed and said, "But Zhongtu, you are really wasting this talent by keeping him at home!"
Zhang Fei's strategy really made Wang Anshi look at him with new eyes and like him very much. It was exactly what he wanted.
To sum it up, in one sentence, we share the same ideals.
Xu Zun smiled and said, "Why? You like that boy."
Wang Anshi said straightforwardly: "If you don't want to use him, then I plan to recommend him for an official position after this matter is over."
Based on the second proposal alone, Wang Anshi had already decided to use this guy.
It's not your turn. Xu Zun muttered to himself, and then said, "This is a good thing, how can I refuse it."
Wang Anshi said, "Then it's a deal?"
Xu Zun smiled and nodded.
... ...
"Huh..."
While Xu Zun was seeing Wang Anshi off, Zhang Fei couldn't help but let out a long sigh of relief. He suddenly looked at Xu Zhiqian who was silent beside him and said, "I'm really sorry for what I did just now."
Xu Zhiqian had been holding it in all night and wanted to explode, but Zhang Fei's words forced her to hold it back. She only said, "You are so reckless, you will get into trouble sooner or later."
"This is really my fault!"
Zhang Fei leaned back and said with a slightly tired look: "I was too simplistic at first, which led to the danger just now. I almost failed."
There was a hint of regret in his tone.
It was indeed a dangerous situation just now. If we had continued to argue and aroused Wang Anshi's competitive spirit, this matter would have been completely ruined.
Xu Zhiqian asked curiously, "I think what you said before is very right. If this matter is handed over to the court, it will only backfire. Why was Uncle Wang so angry at the time, but later he agreed when you forced him with benefits?"
Zhang Fei sighed and said, "It's very simple, because many of his proposals are eager to increase new income for the court. His idea just now is exactly the same as his proposal. So when we deny his idea, he thinks that this is denying his political philosophy. If we continue to argue, he will definitely do it to prove that he is right. But no matter whether he succeeds or fails, I will definitely fail miserably."
Xu Zhiqian frowned and pondered for a while, then suddenly glanced at Zhang Fei, thinking, it seems that father is right, this man only looks reckless, but his mind is very delicate. He even noticed the subtle mentality of Uncle Wang at that time.
Suddenly, she frowned, "Since Uncle Wang's idea is the same as his, doesn't that mean his idea...!"
"You're overthinking this." Zhang Fei interrupted her. "Advocacy and specific practices are two different things. How can you say it's wrong to open up more income for the court? It's just that using it for this matter may be a little inappropriate."
"Ha ha... !"
A burst of hearty laughter interrupted their conversation.
Xu Zun returned to the hall with a big laugh. He pointed at Zhang Fei and said, "Good boy, you are really amazing. You can actually convince Wang Jiefu. If Sima Junshi sees this, he will definitely worship you as his master."
"I do not believe."
Zhang Fei transformed into Lu Yu and shook his head, "When I won the case in the Court of Criminal Justice, that Wang Daxueshi did not become my disciple."
Xu Zun was stunned, and laughed and scolded, "You little brat really don't know how high the heaven is and how deep the earth is!" He added, "Although I haven't accepted you as my master, if that hadn't happened, Wang Jiefu probably wouldn't be here today."
Xu Zhiqian suddenly asked Xu Zun: "Dad, do you think Uncle Wang can get the emperor's consent?"
Unless you convince Wang Anshi, you can rest assured that the emperor will have to give his approval in the end.
Xu Zun stroked his beard and said, "If he can't even succeed in this, then I'm afraid his reform will be a long way off!"
As he said this, he looked at Zhang Fei meaningfully, "I finally understand why you chose Wang Jiefu."
What a timing!
If it were Sima Guang and others, it’s not that they don’t have as much power as Wang Anshi, but that they won’t try their best to fight for it.
... ..
After Wang Anshi returned, he studied Zhang Fei's reform plan all night. On the second day, he called his favorite student Lu Huiqing and showed him Zhang Fei's entire plan.
"Who came up with this plan?"
After reading it, Lu Huiqing couldn't help but be surprised.
Wang Anshi was very upset when he heard this. "Why? Can't I think of it?"
I showed it to you, but you told me who came up with it.
That's insulting, isn't it
Lu Huiqing said hurriedly: "That's not what I meant, but this handwriting doesn't look like it was written by my teacher, especially since it also quotes a lot of calculations."
The more they talked, the more awkward it became. Wang Anshi waved his hand and said, "Don't worry about this for now. Do you think this plan is feasible?"
"feasible!"
Lu Huiqing said without any hesitation, "This interest rate alone can silence most people in the court. In addition, many middle and low-level officials in the court also want to buy houses, but they don't have enough money. If there is such a low interest rate, it will be a good thing for them. But... why should it be done by businessmen? You can suggest to your majesty to set up another government office to take charge of this matter, which can also increase the income of the court."
There is a reason why Wang Anshi valued him. His brain was indeed quick.
He quickly thought about how to convert this benefit into power.
Wang Anshi said: "That's because the person who came up with this idea insisted on doing so."
Lu Huiqing asked curiously, "Who is this person?"
Wang Anshi said, "Zhang San."
"Zhang San from the Ayun case?"
"Exactly."
Wang Anshi nodded and added: "He hopes to use this strategy to help him break the constraints imposed on him by the court."
"I see!" Lu Huiqing nodded, and suddenly said, "Master, although this policy does not have a big impact and the increased fiscal revenue is not much, it is really the best choice as a start."
Wang Anshi smiled and nodded, saying, "You think the same as I do!" Then he slapped his hand on the table and said, "Let's start with the house tax."