Bank accounts are subject to double-entry accounting. If a sum of money goes from Tokyo to Chengdu, it is going, and the money coming back from Chengdu is going. This back and forth will generate doubled profits.
When the money went on the road of fantasy, he accrued loan interest rates and transactions, so it was very inappropriate to follow the Song Dynasty's accounting method.
The Jurchens' accounting method was to tie ropes to form agreements or carve wood to form contracts, so it was easy to deceive. The Song Dynasty's accounting method was to make an entry and exit ledger. When there are incomings and outgoings, a proper account is the balance of the outgoings and outgoings.
In Yunzheng's view, there are huge loopholes in this accounting method. As long as he is willing, he can empty out the Song Dynasty's treasury, and the consistent records will still be maintained in the books.
Wang Anshi was very smart. The "three-legged account" he used put the focus of accounting records on the "running account (also known as the daily clearing book), which was later further subdivided into the "goods clearing book", "silver clearing book" and "current book"
The "goods clearance book" is used to record the purchase and sale of goods; the "bank clearance book" is used to record cash receipts and payments, and the "current book" is specially used to register current and current transfers. These three account books will eventually be
A good account must be consistent with the running account.
Unfortunately, such an account book was too advanced. Wang Anshi needed to explain this accounting method to the emperor and ministers so that they could fully understand what a bank account book was.
Han Qi said to Yun Zheng with a dark face: "Explain clearly, what is the feasible method?"
Yun Zheng thought for a while and said to the emperor: "Your Majesty, please bring some gold, silver and copper coins, and I will give you a demonstration."
Zhao Zhen nodded, and Zou Tong ran out immediately. After a while, he came in with several eunuchs. One was holding four gold ingots, the other was holding a plate of silver coins, and two eunuchs were carrying a basket of copper coins.
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Yun Zheng asked Wang Anshi to come out, cupped his hands and said, "You now represent Tokyo Bank!" Wang Anshi nodded in agreement.
Yun Zheng asked Pang Ji to give him a gold ingot and said, "Prime Minister Pang is now the banker of Chengdu Prefecture!" Pang Ji also nodded.
Yun Zheng invited Han Qi and Wen Yanbo out and gave each of them a gold ingot and said, "You two are Daming Mansion and Guangzhou Mansion respectively!" The two men also nodded in agreement.
Yun Zheng finally pointed to himself and said: "I am a merchant!"
Seeing that Yun Zheng's arrangement was interesting, Zhao Zhen walked down from the top to get a closer look. The other officials also formed a large circle to see how they operated.
Yun Zheng held an ingot of gold ingot and said: "I am a businessman from Tokyo. Now I am going to Chengdu to traffic silk. This is my capital. I adhere to the tradition that trafficking thousands of miles will make three times the profit. Now I am going to start operations. Please
You guys, look at it clearly! Look at how the bank makes profits."
Yun Zheng walked up to Wang Anshi with the gold ingot, put the gold ingot into his hand and said: "It is not safe for me to carry a large amount of money on a thousand-mile journey, so I deposited the capital at a bank in Tokyo and agreed to pay
The banker paid two cents for the profit, so I didn’t have to hire carriages, horses, and escorts. After I got the deposit certificate from the Tokyo banker, I set out for Chengdu in a simple car."
When Yun Zheng said this, he took off a jade pendant from Wang Anshi's waist and waved it to everyone, indicating that it was proof. Then he walked to Pang Ji and gave the jade pendant to him, and then took two silver ingots and placed them on Pang Ji's side.
He took the gold ingot in his hand and said to the emperor: "Your Majesty, because this gold ingot has traveled more than a thousand miles, the court has two more silver ingots. This is the gross profit."
Pang Ji nodded and said: "People are not allowed to trade gold and silver, so they can only use copper coins. It is really difficult to carry a huge amount of money. It is reasonable to charge 20% profit for a thousand miles."
Zhao Zhen also nodded in agreement. He at least understood what methods the bank relied on to make money.
Yun Zheng added: "This is just the most basic way for banks to make money. As long as banks everywhere can keep a large amount of money in their hands, this method of making money will continue to circulate.
Further ways to make money are to collect savings and lend money. I trafficked some silk from Chengdu to Guangzhou and earned two gold ingots. At this time, I discovered that the southern pearls in Guangzhou are good. I will definitely make a lot of money if I transport them back to Tokyo.
Pens, so I bought Nanzhu on a large scale, but found that I didn’t have enough money. However, I have a lot of properties in Tokyo, and I have familiar local businessmen who are willing to guarantee me, so I borrowed money from Guangzhou Prefecture with 30% interest.
I bought a gold ingot and bought enough goods..."
Zhao Zheng watched helplessly as the gold ingot that originally belonged to the merchant ended up belonging to the imperial court. He personally followed Yun Zheng's path and found that it was flawless. The most important thing was that there seemed to be no victims, and the merchant finally made a profit.
Money, the people also got money after selling goods, and the government also received taxes. The money in the bank increased very quickly...
So he became even more confused...
"Could it be that one penny begets one penny, and a thousand days begets ten thousand penny? But where did the extra money come from?" Zhao Zhen muttered to himself. The emperor, who had never studied political economics, was completely confused.
Wang Anshi smiled and said: "Your Majesty, money comes from the labor of the people. In Marquis Yun's money circulation just now, Your Majesty overlooked one element, and that is goods!
Silk requires the common people to raise silkworms, draw the silk and finally weave it into silk cloth. The original purpose of the merchants is to exchange gold ingots for the silk produced by the common people, and then get the profits they deserve, so there is such a circulation. Therefore, the world
Wealth is created by the people!
Only when the people's products become more abundant, will the Song Dynasty become more prosperous. This is the original reason why Wei Chen proposed the Green Crop Law to support the people. If the people's products are exhausted, the Song Dynasty's finances will become water without a source and no roots.
The wood!
If all wealth such as land is gathered in the hands of a few people, the wealth created by the people will continue to flow into the pockets of these people, and both the court and the people will face life and death worries. I sincerely ask your Majesty to prepare a trial run of the bank to provide financial services to those people.
Provide a cheap place to borrow money for people who lack capital to produce!"
The ancients were very smart, especially the people who can stand in this temple. Whether they are traitors or loyal ministers, whether they are honest or corrupt, they have one thing in common, that is, no one is a fool.
After experiencing Yun Zheng's demonstration, if you still don't know that money makes money, and the good business of compound interest is in vain, it goes without saying that fools know that the bank manager must be a fat man.
errand.
"The bank does not need officials, only people who are willing to work!" Wang Anshi's cold words poured a basin of ice water on these people's passionate thoughts. Everyone looked at Wang Anshi strangely, even Pang Ji and Han
People like Qi and Wen Yanbo also looked at Wang Anshi and didn't understand why he would use this group of people.
"Why?" Pang Ji asked, squinting his eyes.
"Because you can kill!" Wang Anshi squeezed out these five cold words from between his teeth.
"That's it!" After Pang Ji said these four words, he stepped back and said nothing. It was actually appropriate to arrange for a group of people to manage the bank. Those people were born to be good at accounting, one of the six departments.
There are many officials in Ci Leye, especially in the household department. Once the people in Ci Leye completely take over the errands of money transactions. Since the Ministry of Accounts can be used, there is no reason why the bank cannot use it.
The reason why the Ministry of Revenue used Yici Leye was because of their talents. The most important thing was that Yici Leye had a sharp guillotine hanging on his head. There was still room for discussion when there were problems with the accounts of officials in the Song Dynasty.
There is room for either exile or demotion, and once there is an error in the accounts of the Ge Leye people, the only option is to behead their heads. If you insist on finding another option, there is one, that is to behead the whole family!
Therefore, in the Song Dynasty, the financial accounts were generally clear. This has a lot to do with the fact that Yiji Leye cherished his reputation and family!
"The officials of the bank are appointed for three years and must be audited every year. All the people in the Song Dynasty must live together, travel must be reported, and no one is allowed to move during the audit. Once the audit is completed, those who have made merit will be rewarded heavily, and those who have merit will be rewarded.
Those who make mistakes will be severely punished, and those who are guilty will be killed!
If there is a good son in the family, he can be recommended to join the bank, and the treatment will be the same as that of a Yishi Leye person. Once he has served for three years, he will be given priority to serve as the Third Secretary!"
Yun Zheng smiled like a lucky cat. Wang Anshi was really cruel this time. His reputation as a swindler was indeed well-deserved. A minister's son could go into a bank to gain qualifications, but if he wanted to gain money, he would risk killing his whole family.
I really want to see if any of these people are willing to send their nephews into the bank. There are great dangers and great opportunities here.
"Haha, it is said that one should not avoid relatives when promoting good people. I thought that my son Pang Ju could join a bank. This son has been interested in economics since he was young. For my sake, it is difficult for me to go into business. Last year, I passed the fourth class in the system. It was just right.
Go to the bank to sharpen your skills." Pang Ji also showed a smile, and after saluting the emperor, he boasted.
Zhao Zhen smiled and said: "Pang Ju is a rare young talent. I planned to send him to Honglu Temple for training and then release him. I didn't expect that Prime Minister Pang had such a plan.
Well, since everyone has decided that the bank is good, I will allow the bank to open and agree with Wang Qing to dispatch two million guan from the treasury to the bank. I will then collect another 1 million guan from the inner treasury, and the total amount will be 3 million guan to establish the Song Dynasty Royal Family.
Qianzhuang helps the world and is useful.
It was agreed to recruit Yichi Leye people from the Song Dynasty to work in banks. At the same time, three Fangshis in the west city of Tokyo were sealed off and moved in with Yizileye family members and the land was designated as a prison. It was agreed that Yizileye people would build temples in Fangshi.
I agree to give these people a household registration in the Song Dynasty. Once they are old and approved by the bank, they will take root in the Song Dynasty and no longer wander around. They will be treated the same as the people of the Song Dynasty!"
Zhao Zhen's words immediately formed an edict. Wang Anshi left the hall with an air of grandeur and grandeur holding the edict. Accompanied by the auxiliary officers of the three envoys, he prepared to go to Honglu Temple to announce the call. There was already an elder who had given the title of Leyeren.
There awaits the emperor's will.
Yun Zheng lazily walked out of the hall. This time he took the wrong step into the flower hall again, but no one cared about it anymore. Recently, this guy often walked around randomly, for no other reason than to see who the reformer Wang Anshi was.
How to govern the world.
"Marquis Yun, why don't your brother Yun Yue and the second son of the Su family join the bank? What I look forward to most is that the three of them can enter the bank. They are all good at arithmetic!" Wang Anshi said to Yun Zheng with a bright face.
"Put them down. Those three scourges don't dare to enter the bank. I'm worried that they will move all the three million yuan in your hand back to my house!" (To be continued)