Not only do you have to make up the amount, but you also have to pay interest?
Zhang Fei's lofty remarks stunned Yuan Jiang.
It turned out that Yuan Jiang had done his homework before coming to Hezhong Mansion and realized that the excessive issuance of salt banknotes was a hidden danger. If he continued like this, the businessmen would definitely stop working. It would be difficult for Fan Xiang to maintain his scheme. He felt that it should be
He tried to find a way to make up for it, but the finances were tight and he was very troubled by this.
And he came here with great expectations, because he also knew that Zhang Fei had also played with salt money in the capital, and it was very successful. He thought Zhang Fei must have thought of a way, but who knew Zhang Fei's way?
It turns out that he wants to do the opposite and become Bengali.
this....
"President Zhang."
Yuan Jiang coughed twice, "This financial situation is already difficult, and we have to pay interest. Wouldn't it make it worse? The imperial court must not be so naive as to agree to it."
Zhang Fei didn't answer but asked: "Does Bachelor Yuan think it is appropriate to issue excessive salt banknotes?"
Yuan Jiang shook his head and said: "Of course it's inappropriate. If the salt banknotes cannot be exchanged for the promised salt, over time the salt law will be ruined, and the court will have no choice but to go back to the old way of enslaving the people to make and transport salt.
"
Zhang Fei nodded with a smile and said: "It can be seen that credit is the most important thing. Now the imperial court has already suffered a loss. From a reasonable point of view, it should be compensated. Only in this way can we regain the trust of those businessmen and continue to maintain it."
Northwest military expenditure.
As for whether this will make matters worse, it’s not necessarily true. At least you don’t have to spend a large amount of money right away. Currently you only need to pay interest, and the principal will be repaid in one or two years, or three or four years.”
Yuan Jiang immediately said: "This is Yin eating Mao Liang, and it is not a long-term solution."
Zhang Fei said: "The premise of Yin eating Mao Liang is that our finances have never improved. If our finances can continue to grow, then this little interest is nothing. Isn't that the same thing for traders to borrow money for turnover? We
Although we paid interest, we gained time."
Yuan Jiang asked: "But are you sure that the financial situation will improve in the future?"
Zhang Fei shook his head and said: "This has nothing to do with certainty, but our responsibility. We were ordered to come here, isn't it just to reverse the financial decline? If we don't have confidence, then what are we doing here? But if we have confidence
, why are you worried?"
Yuan Jiang has also been on the battlefield for a long time, how could he be fooled by Zhang Fei like this? He stroked his beard and said, "Even so, God can predict the wind and clouds, and people can have misfortune and good fortune. This plan depends on people, and the success depends on God."
ah!"
Zhang Fei said: "But as far as I know, if there is a misfortune, the court can only increase taxes and corvee labor, and then the officials will force the people to rebel, and then send troops to suppress it. This is what really makes things worse. The house leaks and it rains all night."
.This was the case in the Han, Sui, and Tang dynasties. Is this better than borrowing money?"
Yuan Jiang was immediately speechless.
A very important point of view in Confucianism is that "the whole world is not the land of the king; the shores of the land are all the ministers of the king."
In normal times, these words are just words to cheer you up and flatter you, but at the moment when your life is really critical, these words will immediately become law.
This idea is the basis for supporting tyranny.
It's all mine.
In times of peace and prosperity, I can give some to you, but when I am in trouble, I can take it all back, which means increased taxes, apportionments, and other exorbitant taxes.
But facts have proven that this is a vicious cycle. Nine out of ten families fall into this trap, and one of them must have met the chosen one.
Zhang Fei struck again while the iron was hot: "Sister Yuan, this credit is more valuable than money and harder to obtain, but once credit is established, both the country and individuals will benefit endlessly.
Once people believe that the salt banknotes can earn interest and increase their wealth, will they be eager to exchange the principal? If the copper coins are kept at home, they will not grow, and they will become long-term holdings. And they can also be used for
Transaction is much easier than paying with a large box of copper coins!
Secondly, the salt banknotes we issue now can be exchanged for salt at any time, so that after the over-issue, they all come to redeem it, and the government simply cannot come up with enough salt, so the value of the salt banknotes continues to decline.
But this debt is different. The debt is time-sensitive, so the government can make reasonable arrangements and pay a batch every year, so that you will not face the current dilemma.
Finally, the current over-issuance of salt banknotes is mainly due to financial difficulties. However, the over-issuance of salt banknotes is at least better than the enactment of exorbitant and miscellaneous tax laws. Whoever has no emergency needs usually just borrows money. People can borrow it, and the court can certainly do it.
Borrowing, once we have established credit, we will issue debts when we are in urgent need of money, wait until we get through the difficulties, and then pay back the money slowly.
Having said that, in fact, debt is not a bad thing. It can at least prompt the court to save money, instead of squandering money when it has money and then trying to increase taxes when there is no money. This is not a long-term solution.
"
Yuan Jiang nodded slightly and started to feel a little excited.
He was one of the few bachelors in the Hanlin Academy who supported Wang Anshi, which shows that he also believed in the knowledge of financial management, and he was able to understand its secrets very quickly.
Zhang Fei looked at Yuan Jiang's expression and said: "Of course, this is just an attempt to re-establish the government's credit. The current over-issued salt banknotes are actually not very much. If spread over three years, this amount will be
It will not put a big burden on the government."
Yuan Jiang glanced at him and couldn't help but ask: "Then what does President Zhang plan to do?"
Zhang Fei said: "As far as I know, those businessmen may sue the government and ask for interest. From a judicial perspective, this is also a contract dispute. My idea is for the imperial court to mediate this case and let both of you privately
Reach a settlement.”
"in private?"
"Do you think it's inappropriate, Bachelor Yuan?"
Zhang Fei asked cautiously.
Yuan Jiang's eyes flashed and he suddenly asked: "Why not just open a court hearing?"
Zhang Fei smiled and said: "I already sentenced the government to breach of contract last time. If I sentence the government to breach of contract immediately, it will not only have a bad impact on the government, but also offend more people and give people a feeling of being in the river."
The palace is the illusion that my imperial court has the final say.
Moreover, according to my investigation, this lawsuit is not deliberately used to make things difficult for me, and I don’t want the imperial court to appear aggressive. After all, I am not here to go against them.”
After hearing this, Yuan Jiang was thoughtful and silent. After a while, he said: "But in my opinion, if it is just a reconciliation, it is impossible to succeed, because they will definitely not agree to pay interest.
Although I also have the power to make such a decision, they will not understand the reason. They will only think that I am supporting your public security organs, and even think that we are in cahoots."
When Zhang Fei heard this, he couldn't help but frowned and asked: "What should I do in Scholar Yiyuan's opinion?"
Yuan Jiang smiled and said: "In Yuan's opinion, a court hearing is still necessary. You must first rule that the government has breached the contract, and then I can come up with this method. In this way, he has no reason to object."
Hey! What a fool! This sentence sounds so familiar! By the way, isn't this just the trick I played in Kaifeng Mansion? I was eating from two families, but I didn't expect that I would meet my colleagues here.
Zhang Fei felt a little unhappy, I was the one who came up with this method, and I have to take the blame, you free-spirited prostitute.
Yuan Jiang secretly glanced at Zhang Fei and said: "In addition, those salt merchants currently do not trust the government, but they obviously want to trust the imperial court more. If there is a judgment from the imperial court, everyone will also trust the salt debt more."
.And once this debt is bound to the imperial court, those salt merchants will support your imperial court even more. It will be good for you and me!"
Fooling, NTM keeps fooling! Zhang Fei is so depressed. Didn't I fool him in this situation? Why did he fool me? But what he said really makes sense. Zhang Fei weighed it for a while and couldn't help but squeeze out a smile.
Come, "Xueshi Yuan is really full of knowledge and thoughtful. Zhang San is ashamed of himself."
Yuan Jiang hurriedly raised her hands and said: "Don't dare! Don't dare! Yuan is just borrowing flowers to offer to the Buddha. He is far less far-sighted and strategizing than President Zhang. It is not worth mentioning. It is not worth mentioning."
Take advantage of everything, flattery is free.
...
"How was your talk?"
As soon as Yuan Jiang left, Xu Zhiqian came over. Seeing that Zhang Fei was still silent, she couldn't help but ask, "Have we not reached an agreement?"
Zhang Fei shook his head and sighed, "It's already settled."
Xu Zhiqian asked: "Then why are you unhappy?"
Zhang Fei frowned and said, "I met a colleague."
"Come with us?"
"Um."
Zhang Fei nodded, "This old man is really shrewd. He jumps left and right and takes advantage of both families."
"ah?"
Xu Zhiqian looked at Zhang Fei doubtfully.
Zhang Fei said: "He is unwilling to reconcile privately and requires the imperial court to hold a trial."
"Why?"
Xu Zhiqian said in surprise.
Zhang Fei said: "Because in this case, all the responsibility lies with our imperial court, and this matter will definitely be impeached in the court."
Xu Zhiqian couldn't help frowning and said: "This Bachelor Yuan is really cunning. He is really your colleague."
"Um?"
"By the way, have you agreed?"
"Um."
Zhang Fei nodded, "As long as we play well, our Imperial Court can still benefit a lot from it."
He will definitely agree.
This salt debt was something he had already thought about before he came here.
Because Fan Xiang's salt banknote system can indeed save the country a lot of money, and there is currently no better way than this.
But the reality is that the court is very short of money, and some money cannot be touched. He is not a god, and he cannot change the money. The current method is to create clever names, impose various exorbitant taxes, or simply default on the debt.
This obviously doesn't work.
If there are only three things to do, what fool would be fooled every day?
Issuing salt bonds and cooperating with the public prosecutors and law is actually very suitable for the current situation of the Song Dynasty. If you play it well, it can be used for emergency needs. If you don't rob it, you can only borrow it. Let's bet that tomorrow will be better.