Xiang Yan heard Kou Ji's words and was speechless.
Kou Ji is right, money is not so important to him anymore.
If he wants money, he can get it easily.
The Great Song Dynasty Bank was owned by the owners of the Great Song Dynasty. It was the property of Zhao Zhen alone, and it was also the floating money pot of Kou Ji alone.
If Kou Ji really wants to use immediate money, whether it is transferred by Zhao Zhen's hand, or he can engrave a template or adjust some ink printing.
In particular, Kou Ji's own engraving of templates and ink printing can be quiet.
The Jiaozi template used by Dasong Qianzhuang is still the same template Kou Ji originally made for Yizijiaozi.
Since the establishment of Yizijiaozipu, no one has thought about making a new set of templates to replace Kou Ji's set of templates.
But without exception, the templates made by Kou Ji are far from each other.
More importantly, almost no one can prevent Kou Ji's ink from coming out.
Chen Lin, Zhao Zhen's loyal servant, once wanted to replace the ink made by Kou Ji and erase the traces of Kou Ji's Yizi Jiaozipu. So he found the only dumb slave who knew the ink formula besides Kou Ji. He developed the ink for a long time, but he didn't succeed.
Da Song currently has no printing craftsman's skills that can break through Kou Ji, so he can't make a Jiaozi template that can surpass Kou Ji.
There is no substitute for Kou Ji's Jiaozi template.
So Da Song Qianzhuang is no different from Kou Ji's floating money pot.
After Kou Ji handed over the establishment of the bank to Xiang Yan, he no longer paid attention to it.
Xiang Yan's speed is very fast.
The next day, she went to the Ministry of Households and Honghe Temple to receive the documents permitting King Han to open banks in Bianjing and other places. Then she went to Dasong Bank to deliver the deposit required to open the bank, and then selected the shops and began to follow the bank’s rules. The look of decoration.
After half a month.
The official opening of Tianci Bank.
Many people came to congratulate on the opening day.
But Xiang Yan didn't show up, just used a shopkeeper surnamed Kou to fill the facade.
With the opening of the Tianci Bank, other wealthy and powerful people also woke up and rushed to the Song Dynasty Bank with money to pay the deposit.
Money houses with various names have sprung up like bamboo shoots after the rain.
The big wealthy people all regard this as a profiteering industry, so they rushed in.
The rich and powerful all felt that a golden avenue was laid in front of them, but they didn't know that Zhao Zhen had already stepped firmly on the golden avenue.
Inside Shishi Hall.
Zhao Zhen laughed boldly and said: "Four brother, I originally thought that letting the people open a bank would cause many disasters. I didn't expect that after your wonderful adjustments, there would be such a great benefit.
All the big wealthy families thought they were taking advantage and went crazy to the Dasong Bank to obtain the qualifications to open the bank.
But I don't know that I was the big winner behind it.
Not only did I let them take out the savings from their family obediently, but also let them obediently deposit them into my Da Song Bank. "
Looking at Kou Ji, Zhao Zhen said with excitement: "In one month, in just one month, Da Song Qianzhuang has received nearly 20 million guarantee deposits.
I have never thought that the wealthy and wealthy under my hands are so rich.
Today, their money is mine. "
Kou Ji said dumbfoundedly: "In fact, there are not so many, of which there are more than six million, which is contributed by the minister."
Zhao Zhen laughed and said, "That's god-given money, not yours."
Kou Ji asked: "Is there a difference?"
Zhao Zhen smiled brightly and said, "Run'er keeps the money he got from you tightly, and is not willing to give it to anyone. Do you think you can give it back to you?"
Kou Ji let out a laugh.
Zhao Zhen smiled and sat down and said, "Now that the wealthy and big business people are attracted by money houses, should the business laws we drafted be implemented?"
Kou Ji nodded and said: "It is indeed time to not only introduce the commercial law, but also to use this opportunity to throw out the silver coins."
Zhao Zhen nodded.
Two days later.
Zhao Zhen announced the new business law in the court.
At the same time, the taxation department that has surfaced was brought under the jurisdiction of the Ministry of Households, and put under the Du Branch of the four branches of the Ministry of Households.
Fan Zhongyan was promoted to the power of Cao Shangshu.
It is only the first level than the Shangshu Han Yang of the Household Department, and one level higher than that of the minister of the Household Department Lu Gong.
Whether it was Han Yang or Lu Gong, his face was black for several days.
But they did not dare to refute Zhao Zhen and Kou Ji's decision.
After Zhao Zhen announced the new business law, he sent people to distribute the Dibao to the various prefectures, and at the same time, through the Song Bookstore, conveyed the new business law of the Song Dynasty to all the people.
Although the Dasong Bookstore was not established for a long time, because of Zhao Zhen's crazy publication of the newspaper before, the people have a very good impression of the Dasong Bookstore.
Therefore, after the establishment of the Dasong Bookstore, it has a number of readers.
No one likes to be deceived, even people with no culture.
In the past, they all learned about the imperial court orders from the rich and powerful family members and villagers.
In order to protect their own interests, wealthy families, clan elders, and village elders misinterpreted the imperial court orders very seriously.
When the imperial court was investigating the officials engaged in business in the world, in order to protect their own interests, the rich and powerful family members and village elders spread many rumors and misinterpreted the imperial government's decree.
But the people learned the truth of the matter in the Dibao issued by Zhao Zhen.
So they are not fooled.
Although they still habitually like to listen to the wealthy family, clan elders, and village elders explaining the imperial decree, they will often hear the imperial decree from the Mengtong at home.
The Song Bookstore is free for Mongolian students in various places, and Zhao Zhen even hinted that the teachers from all over the country would read the Song Book to the students when the class started.
Therefore, the Mengtong people will know some of the court orders.
Whether it was Zhao Zhen or Kou Ji, they knew in their hearts.
When the Dasong County level and the government level institutions are established, the imperial court orders will be completely sent to the countryside.
Because they will make newspaper reading a compulsory course at all levels of institutions.
There were word of mouth from the Mengtongs, heavy bombardment, and the attraction of wealthy houses. After the imperial court promulgated the new business laws, it hardly caused any backlash.
The new commercial law mentions that the imperial court will reclaim all tax collection powers to the state.
Dingkou tax is under the jurisdiction of local yamen, and commercial tax is under the jurisdiction of local taxation departments.
The tax law of Dingkou tax remains unchanged.
The commercial tax law was revised up to 13 tax one.
Abolish the overtax and residence tax in the commercial tax, and only collect the transaction tax.
The tax receipt issued by the Taxation Department shall prevail.
The basic role and intelligence of the Taxation Department, as well as the role of tax receipts, were also published in the Song Book and informed to all the people of the Song Dynasty.
After the people learned that the Dingkou tax had not changed, they stopped paying attention to this matter.
Businessmen and big wealthy people did not feel upset when they learned of the tax law increase.
Because the imperial court abolished the tax and residence tax and levied a transaction tax uniformly, it became easier for them to pay taxes, and they also avoided various kinds of exorbitant taxes.
It seems that the tax laws have been raised, but after avoiding the exorbitant local taxes, they paid less.
In the new commercial law, in addition to stipulating the amount of tax and the method of payment, corresponding laws have also been established to regulate the market and clarify the obligations of merchants.
At the same time, a tax exemption decree was also given.
For example, if local businessmen want local education to provide teaching needs, they can reduce or exempt corresponding taxes.
The purpose is to encourage local businessmen to bear the cost of education.
Of course, the one mentioned in the new business law is what makes business people ecstatic the most.
Merchant property shall not be embezzled.
Unless the merchant resells goods that the imperial court explicitly prohibits, or evades taxes, local government offices and various gates shall not infringe on merchants' property in any form.
If someone is arrogant, or if a strongman robs the way, the local yamen must strictly follow the national law and must not shirk it.
For the rich and powerful, this one is nothing.
But for pure businessmen, this business law is simply the gospel.
You know, in this era of low social status of businessmen.
Pure merchants will hardly receive any protection.
Therefore, the pure merchants were miserably oppressed.
Only those businessmen who have escaped from the rich and powerful can live well.
Often, after a looting case occurred, after the merchants found the local government office, they had a background behind them, and the local government officials would take care of them.
This shows how important this business law is to pure merchants.
With the spread of the law of the Shang Dynasty, the business of the Song Dynasty, which had regained a little vitality, was completely boiled.
All the merchants have smelled it, and the opportunity belongs to the merchants.
Who can seize the opportunity first, who can take advantage of the special issue.
The Song Dynasty completely set off a commercial boom.
The civil servants who were crucified by the iron law can only stand aside and say sour words.
But no one dared to jump out to refute this matter.
Because after they jumped out, they had to face the collective military ministers.
Takeshi was almost unscathed in the imperial court's investigation of officials' business affairs.
However, the civilian officials have not been able to refute the matter as a pigtail.
The reason why the military minister was unscathed was that he was clever.
After the incident, they did not confront the court at the first time, but chose to separate the family very obediently.
So the military officer was right in this matter, but the civil servant was wrong.
The civil servants are at a loss, so I can't scold Wuchen in this matter.
Because regardless of what the officials said, the military ministers could tell the matter about the civil officials against the court.
Under such circumstances, it is self-evident to whom Zhao Zhen will turn.
Therefore, the civil servants would never stupidly mention the matter in the court.
The only opposition from the ruling and the opposition was Lu Yijian.
After reading the new business laws enacted by the court, Lu Yijian decisively wrote to the court, bluntly saying that commerce is the way to bring disaster.
His remarks got a response from some scholars.
But Zhao Zhen and Kou Ji ignored him.
Because Zhao Zhen and Kou Ji have more important things to do.
After the investment in the business law, without causing any major changes, Kou Ji and Zhao Zhen stayed in the palace to study the issue of land allocation.
Inside Shishi Hall.
Zhao Zhen stroked the short beard on his chin and said to Kou Ji: "Fourth brother, this change has caused countless wealthy families handled by the court, and countless acres have been cleared.
Now that it has lasted more than half a year, the number of acres that have been cleared up in various places has been released, and now it is time to consider how to distribute these fields to the hands of the people.
If land is allocated directly to the poor people, I am afraid that other people will not agree. "
Kou Ji nodded approvingly, "If you don't suffer from worries and unevenness, if you directly distribute the land to the poor people, the other people will definitely make trouble.
At that time, public grievances will be boiling, and even if we have heavy soldiers in our hands, it will not be easy to deal with the matter.
Moreover, getting something for nothing can easily make the people contemptuous. "
Zhao Zhen nodded his head and said, "Fourth brother is right. How can Fourth Brother distribute the land to the poor people without letting them complain?"
Kou Ji did not answer, but asked, "What do the officials think?"
Zhao Zhen pondered and said, "I think these fields can be used as rewards for the soldiers who stayed in the hinterland of the Great Song Dynasty and distributed. Or as rewards for students from all over the country, and distributed.
Kou Ji pondered for a while, shook his head and said: "It's not right... The official export is a constitution. If these fertile fields are sent as rewards, it will easily become a permanent rule.
Once the plot is over, the soldiers and the common people will probably make trouble.
Moreover, if the fields are divided in this way, the fields will only be divided into the hands of a small group of people.
Will not benefit most of the poor people.
More importantly, they are easy to get in their hands and easy to lose. "
Zhao Zhen frowned and said, "The fourth brother thinks, how should we allocate it?"
Kou Ji said frankly: "The minister had thought about this before, but now he has a little clue. The minister has two methods, one is to borrow money from the bank and the other is to serve."
Zhao Zhen raised his eyebrows and looked at Kou Ji, "What is a loan law? What is a service law?"
Kou Ji bluntly said: "You can convert the good land into money according to the market price, make a contract with the poor people, and then give the land to them. They can farm the land to repay the debt, when will the court's money be paid back, and when will it truly belong to them? ."
Kou Ji's method has the meaning of a later generation of house loans.
It stands to reason that Kou Ji shouldn't have proposed this way of peeling the skin.
But after thinking about it, the court could not provide the land to the people free of charge, so it could only provide this method.
This method actually has some benefits for the people.
First, the common people cannot trade their property during the loan repayment process. In this way, land mergers will be avoided to a certain extent.
Second, as long as the court controls a certain property, the people will not be forced to rebel. If they are poor and can't live anymore, they can use this method to borrow money from the court to fertile land, so that they can survive. There is no need to rebel or go to the rich man's house as slaves.
Third, when local disasters occur, the imperial court can directly relieve the pressure of the people from the disaster by reducing or exempting loans.
In this way, it is possible to prevent the wealthy and wealthy people from making a fortune through the imperial tax exemption during the disaster.
After all, once a local disaster is hit, the wealthy families with countless grains in their homes will not suffer much harm at all.
The people who really hurt the most are the people.
Therefore, after local disasters, the imperial court reduced or exempted the poor people’s loans, which could relieve the pressure of the poor people, and could also provide feedback to the people through the money and food of the wealthy families.
In this way, what the imperial court needs to pay is greatly reduced.
The imperial court only needs to open local warehouses and open porridge sheds after the disaster to confirm that the poor people who cannot afford to eat have food to eat.
The people do not need to be forced to sell their children and daughters, nor do they need to travel long distances to other places to ask for food for their lives.
As long as the local constant flat positions remain abundant and the interest rate of the Dasong Bank has been maintained at 10% or even lower, the people need not worry about not being able to survive.
The only downside is that this move will push the people to the ground, peeling the skin layer by layer, and the people will become rich slowly.
In the case that the people did not fully obtain the land property, they had to work for the court for a long time.
But Kou Ji felt that the advantages of this law outweigh the disadvantages.
As long as we strictly control the interest rate, the location of the place, the location of the allocated fields, and the land price, we can ensure that the people will always have food and will not be forced to death.
If the court can always hold the fields in its hands, it can greatly avoid the disadvantages of land annexation.
Kou Ji narrated his thoughts to Zhao Zhen in detail, and Zhao Zhen fell into silence after listening.
After a long time, he stared at Kou Ji solemnly and said: "If the court can really keep fertile fields in its hands, then it can really avoid the pain of land annexation to the people.
At the moment, the land of my Da Song Dynasty can guarantee the people to cultivate it.
But as my great song settles down, and as the people worry about food and clothing, the population will skyrocket rapidly.
It's like the beginning of the founding of the Great Song Dynasty, with a population of only 6 million households.
It has now reached 13 million households, which has almost doubled.
Counting criminals and non-naturalized people, the population of Da Song has reached 16 million households.
Nearly ten million.
In the future, we will enter the peaceful and prosperous age of Song Dynasty, and the people will live and work in peace and contentment, and the population will inevitably increase exponentially.
At that time, Da Song's existing land will not be divided at all.
So we can't keep the court holding the ground all the time.
Therefore, the implementation of lending can only alleviate the problem of land mergers, but cannot completely solve the problem of land mergers. "
Kou Ji heard Zhao Zhen's concern and said with a low smile: "Why do the officials think it is fifty years? How does the minister think that it might be a hundred years, or even a long time later, that this kind of thing will happen."
Zhao Zhen said solemnly: "The problem is that all the land now does not belong to the court. The land in the hands of the court is only a small part, so it will soon be divided.
After I have finished dividing the land, I can still find a way to seize some land from the rich and powerful, and continue to distribute it to the people in this way.
But what happens when I am gone
Can future generations of children and grandchildren be like me, plundering fertile land from the rich and powerful, and then distributing it to the people
I cannot guarantee that every one of future generations will be Mingjun.
Therefore, the land under this world will eventually slowly flow into the hands of the rich and powerful.
Therefore, we can only ensure that there is a steady stream of land in the hands of the court to ensure that the issue of land annexation does not harm the people. "
Kou Ji stared at Zhao Zhen and said earnestly: "So in our lifetime, we can think of ways to cultivate improved varieties and increase the output of the ground."
Zhao Zhen pondered and said: "Like Jiaozhi Mansion, three crops a year, four crops a year? That would hurt the poor farmers, and the people would still be very poor. With the large number of Jiaozhi Mansion, Liaodi, and Hexi. With the influx of grain, some places near Jiaozhi, Liaodi, and Hexi have already suffered from low-quality grains.
If it were not for the huge fertile fields in the hands of the people in these three places, there might be people who would give up growing food and go to Congrong instead. "
Kou Jishi smiled and said: "We only need to ensure that all the people can eat their stomachs. Does the official family think too much?"
Zhao Zhen was taken aback, and said dumbfounded: "The fourth brother is right, I think too much. As long as I can eat all the people under my control, I will far surpass all the emperors in front of me.
I'm greedy even thinking about how the grain hurts the farmer. "
Kou Ji laughed in a low voice: "In fact, there are solutions to the problem of grain hurting farmers. The court can encourage the development of animal husbandry and handicrafts. At the same time, it can also encourage the people to grow vegetables when all the people in the world can eat. fruit.
The common people cannot make money from farming, but they can also make money through animal husbandry, handicrafts, vegetable and fruit planting.
It's like those poor people in Shaanxi Province working in a textile workshop.
They can get an income by working in the workshop.
Supplement the household.
Now that this is said, it is actually too long-term. We have not completely solved the problem of the people who are hungry. "
Zhao Zhen laughed and said, "We monarchs and ministers have been talking about things for decades, even hundreds of years later."
Kou Ji smiled and nodded.
Zhao Zhen smiled and asked, "What do you say about the service?"
Kou Ji bluntly said: "The court can give the land to the poor people free of charge, but the poor people must have a child in their homes to serve the court for ten months each year.
Specifically, the imperial court asked them to repair bridges and make up roads. They could go to the Eight Houses of Liao, the Five Houses of Xixia, the Six Houses of Qingtang, the Four Houses of Dali, and the Jiaozhi House for farming and grazing.
Specifically, the service life can be set according to the quantity and value of the fields they need.
If you are building bridges and repairing roads in the hinterland of the Great Song Dynasty, or doing other things, you don't need to bring family members.
If they go to Liaodi, Xixia, Qingtang, Dali, and Jiaozhi, they can be allowed to bring their families.
In addition, you can increase or decrease the number of years of service according to their output when they are farming.
If someone settles in these places, they can replace their fields in the hinterland of the Song Dynasty with the fields where they served.
This action can ensure that in addition to the grain storage in the Changping warehouse, the imperial court can also have several huge grain silos for storing grain.
In this way, the imperial court no longer has to worry about the soaring food prices after the local disaster.
More importantly, this move can gradually transfer the population from the hinterland of the Central Plains to places with large areas and sparsely populated areas.
At that time, the local amount of land for a long time will be reduced.
Places with large areas and sparsely populated areas will gradually become prosperous, not only can provide huge output for the court, but also improve the court's control over the place. "
After Zhao Zhen listened carefully to Kou Ji's words, he couldn't help but sighed for a long time, "These two policies are the century-old national policy of the Song Dynasty."