Cai Jing also proposed to Zhang Yue that in addition to keeping part of the gold and silver exchanged for salt banknotes as reserves, the rest should be loaned to private treasury as interest. The interest would then be used to subsidize the interest on the salt banknotes and exempt merchants from deposits and withdrawals.
Handling fee between payments.
This is the second time Cai Jing has asked Zhang Yue, and Zhang Yue certainly understands that what he said makes sense.
What Cai Jing is talking about is the operating model of modern banks. Depositors deposit money in the bank, the bank gives interest, and then the bank gives a higher interest rate, loans the money to businessmen or the country, and uses the interest difference as the source of profit.
Nowadays, branches in Shaanxi and Luoyang have been opened. The handling fee for depositing and withdrawing salt banknotes in other places is the usual amount minus 50 cents, which is equivalent to 50%.
This handling fee is higher than that of Jiaozi, whose handling fee is 3%.
If you deposit and withdraw money locally in Bianjing or Luoyang, the fee is ten cents, which is one hundred cents.
Cai Jing once intended to reduce the handling fee of salt banknotes to 3%, which would cause a dimensionality reduction blow to Jiaozi and compress Jiaozi's living space.
Does Zhang Yue know Cai Jing’s thoughts?
However, this move must have offended the Sichuan and Shu merchants, touched the interests of others, and was not good for oneself. Wouldn't this be a knife for Ren Shouzhong and others to stab himself with?
As for lending gold and silver to private treasury and eliminating handling fees through the interest difference, this is of course better, but it is a bigger step, and if it is too big, it will be a big deal.
Although Cai Jing has never been an official, he understands Zhang Yue's concerns.
Cai Jingdao: "Should the bachelor set up another treasury and let the officials participate in it?"
Zhang Yue said: "It's good, but I'm afraid it won't escape the criticism of the scholar-bureaucrats."
Cai Jingdao: "What the bachelor is worried about is..."
Zhang Yue saw that Cai Jing looked a little sad and said with a smile: "Do you think I have too many concerns and it is difficult to do anything."
Cai Jing said: "Jing thinks that the scholars' concerns are right. Many things in ancient and modern times were not done by those who were capable, but were actually hindered by mediocre people."
Zhang Yue said: "Let's put the interest money aside first."
Zhang Yue added in his heart, at least wait until the outcome between me and Ren Shouzhong is decided.
Cai Jing surrendered and retreated.
Zhang Yue looked at Cai Jing's back and couldn't help but praise him, what a talent!
Now that Zhang Yue has recommended Wang Shao, his two years of hard work have been completed.
Four years after Jingde, the officials of the Jing Dynasty conducted surveys every three years and took exams every year.
Ouyang Xiu increased the number of chapters by one year, so three years was reduced to two years.
As usual, Yue has to go to the Judicial Court to undergo an examination. The official examination emphasizes seniority rather than family status, and time rather than talent.
In a word, you can get a job when your tenure as an official is up. If you had no issues with the officials of the Judicial Court before, or if you made major mistakes during your tenure, or if someone reported you, you will generally not be stuck during the review process.
Although Zhang Yue's personnel relations are currently in the Political Affairs Hall, his assessment is still handled by the Tribunal.
Zhang Yue's main official is Zuo Zuo Lang. Zuo Zuo Lang is usually transferred to Secretary Cheng, and the junior one is transferred to Zuo Lang. If the outstanding one is promoted to Taichang Cheng, it mainly depends on how the court arranges it.
But for Zhang Yue, nothing was a problem, because the person who knew the trial court was his chief Wang Gui.
Zhang Yue took his seal paper and calendar paper to the Judge's Court, and then explained to the Judge's Court his political achievements during his tenure, his faults and the name of the candidate. Zhang Yue was a Jinshi, so the column of the candidate was blank.
Wang Gui met Zhang Yue and talked for a long time.
Both of them were reminiscing about old times, and they didn't mention a word about whether Zhang Yue was the author, secretary Cheng, or Taichang Cheng.
The two were chatting happily, and Wang Gui suddenly said: "Du Zhi, have you offended anyone recently?"
Zhang Yue's heart trembled, Wang Gui was warning him.
Zhang Yue asked: "Did the teacher hear something?"
Wang Gui took a letter from his sleeve and showed it to Zhang Yue. After reading it, Zhang Yue found out that he had been bribed by someone in the jail, so he actually wanted to impeach him to the court for not being an honest official, not only for nepotism but also for being suspected of corruption.
However, Zhang Yue judged from the letter that this person probably did not hold a high position and did not know much about him, otherwise the accusation would have been solid this time.
Wang Gui burned the letter of accusation in the candlelight, and then told Zhang Yue: "Be cautious as an official. Ren Shouzhong is the most vicious person. Fortunately, I have some friendship with him. Does he need me to intercede for you?"
?”
Zhang Yue said happily: "Thank you very much, teacher. If possible, I would like to admit my mistake to Senior Official Ren!"
Wang Gui nodded and said: "That's fine, those who know the current affairs are heroes!"
After Zhang Yue left Wang Gui's house, he knew that the matter was getting more and more serious.
On this day, Zhang Yue went directly to his uncle Cao Yan's house without returning home.
When Cao Yi saw Zhang Yue, he smiled and said, "After checking it, Zhang Duzhi has arrived."
Zhang Yue said: "I'm ashamed that I was delayed in getting to the Judge's Court just now."
Cao Yi smiled and said: "Master Zhang, you must be very busy. Zhang Douzhi sent me the Shu Brocade today on the wish of the Queen Mother, otherwise he would not be able to leave the palace."
"By the way, Zhang Douzhi is extremely simple and doesn't need to give gifts... Just tell him if you have any truth."
Zhang Yue said clearly.
Cao Yi immediately introduced Zhang Yue inside.
But I saw a well-maintained eunuch in his fifties sitting on the chair.
Zhang Yuexiang saluted the other party and said, "You know everything you've seen."
This eunuch is Zhang Maoze, who is now known in the capital.
Zhang Mao looked at Zhang Yue and said: "Sister Zhang, stop talking. Mr. Wen wrote to me before and said that you had something to ask me for, but it was difficult to say in the letter. Now that you are in my uncle's house, you can talk to me. See
Let’s see if our family can help you. Who said our family owes Mr. Wen his life?”
Zhang Yue said that he told Zhang Mao truthfully about the fact that he had spied on Ren Shouzhong and handed him over to prison and wanted to put him to death.
There was a conflict between Zhang Maoze and Ren Shouzhong. When Emperor Renzong was seriously ill, Empress Cao and Fu Bi secretly discussed letting Zhao Zongshi ascend the throne.
Later, Emperor Renzong received a tip and knew that his queen and the prime minister were discussing the matter, so he was furious and said in front of the prime minister Wen Yanbo that Empress Cao and Zhang Maoze were colluding to usurp the throne.
Zhang Mao almost committed suicide, but Wen Yanbo stabilized the situation in the end.
Zhang Mao failed to commit suicide and was demoted from the palace.
Zhang Maoze knew that although there was no real evidence, Ren Shouzhong probably learned the news from the Imperial City Secretary and complained to Emperor Renzong.
This time Zhang Mao returned to the palace, thinking that Ren Shouzhong would lose power, but unexpectedly Ren Shouzhong regained his trust by making money for the official queen.
Zhang Maoze said: "The bachelor wants our family to intercede for you in front of Ren Shouzhong. After all, there are not many people Ren Shouzhong is afraid of now, and our family happens to be one of them."
Zhang Yue said: "Please take a look at it."
After speaking, Zhang Yue handed Zhang Maoze a piece of paper.
Zhang Mao glanced at Zhang Yue and immediately picked up the paper and saw that it was full of dirty information about Ren Shouzhong, such as taking Tian Minshi to be sent to Yuezhou, colluding with Jiang Deming to reinstate him, framing his official brother Yu Unfilial, and interfering with the two palaces.
, he opened treasures and dedicated them to the queen's favor, the most important of which was to spy on the emperor's whereabouts.
Zhang Mao was surprised and said: "These charges are enough to kill Ren Shouzhong ten times. Where did you collect them from?"
