Chapter 0969 The two century-old national policies proposed by Kou Ji
Xiang Yan was speechless after hearing Kou Ji's words.
Kou Ji is right, money is no longer that important to him.
If he wanted money, he could get it easily.
The Song Dynasty Bank was owned by all the people in the Song Dynasty. It was the property of Zhao Zhen alone and the wealth pot of Kou Ji alone.
If Kou Ji really wanted to use Lima's money, he could do it either through Zhao Zhen's hand, or by carving a template himself and mixing some ink for printing.
Especially since Kou Ji carved the templates and adjusted the ink for printing himself, he could remain calm.
The Jiaozi template currently used by Da Song Bank is still the same template that Kou Ji originally made for Yizhi Jiaozi Shop.
Since the opening 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 created are far different from the ones created by Kou Ji.
What's more important is that almost no one can detect Kou Jidiao's ink.
Zhao Zhen's loyal servant Chen Lin once wanted to replace the ink prepared by Kou Ji and erase the traces of Kou Ji in Yizijiaozi shop. So he found the mute slave who was the only one besides Kou Ji who knew the ink formula.
I have been developing ink for a long time, but without success.
There are currently no printing craftsmen in the Song Dynasty who can surpass Kou Ji's skills, so they cannot produce Jiaozi templates that can surpass Kou Ji's.
There is no substitute for Kou Ji's Jiaozi template.
Therefore, there is no difference between the Song Dynasty Money Bank and Kou Ji's Floating Wealth Jar.
After Kou Ji handed over the establishment of the bank to Xiang Yan, he stopped paying attention to it.
Xiang Yan is very fast.
The next day, she went to the Ministry of Household Affairs and Honglu Temple to get the documents that allowed the King of Han to open a bank in Bianjing City and other places. Then she went to the Song Dynasty Bank to pay the deposit required to open a bank. Then she selected a shop and started following the bank's instructions.
decoration style.
Half a month later.
The official opening of Tianci Bank.
On the opening day, many people came to congratulate me.
But Xiang Yan did not show up, and just used a shopkeeper named Kou as a front.
With the opening of Tianci Bank, other wealthy people also woke up and rushed to Da Song Bank with their money to pay the deposit.
Banks with various names have sprung up like bamboo shoots after the rain.
The rich and powerful people all regarded this as a huge profit industry, so they rushed to get in.
The rich and powerful felt that a golden avenue was paved in front of them, but they did not know that Zhao Zhen had already firmly stepped on the golden avenue.
Inside the Zishi Hall.
Zhao Zhen smiled boldly and said: "Fourth brother, I originally thought that allowing private banks to open banks would cause many disasters. I didn't expect that after your masterful adjustment, it would actually have such great benefits.
Every one of those wealthy families thought they were taking advantage, and went crazy to Da Song Bank to get the qualifications to open a bank.
But I don’t know that I am the big winner behind it.
Not only did I ask them to take out their savings at home, but I also asked them to deposit them into my Da Song Bank."
Zhao Zhen looked at Kou Ji and said with some excitement: "In one month, in just one month, Da Song Bank received a deposit of nearly 20 million yuan.
I never thought that these wealthy families under my control are so wealthy.
Now, their money belongs to me."
Kou Ji said dumbfounded: "Actually, there are not that many. There are more than six million of them, which were contributed by me."
Zhao Zhen laughed and said, "That's God-given's money, not your money."
Kou Ji asked: "Is there any difference?"
Zhao Zhen said with a bright smile: "Run'er guarded the money she got from you very tightly and was unwilling to give it to anyone. Do you think that what you gave to Tianci'er can be returned to you by Tianci'er?"
Kou Ji laughed out loud.
Zhao Zhen sat down with a smile and said: "Now that wealthy families and big businessmen are attracted by banks, shouldn't the business laws we drafted also be implemented?"
Kou Ji nodded and said: "It is indeed time. Not only should we introduce commercial laws, but we should also take this opportunity to throw out silver coins."
Zhao Zhen nodded.
Two days later.
Zhao Zhen announced the new business laws in the court.
At the same time, the Taxation Department, which had surfaced, was brought under the jurisdiction of the Ministry of Household Affairs and placed under the branch branch among the four departments of the Ministry of Household Affairs.
Fan Zhongyan took advantage of the situation and was promoted to Cao Shangshu, a powerful household.
It is only one level higher than Han Yang, the Minister of the Ministry of Finance, and one level higher than Lu Gongzhu, the Minister of the Ministry of Finance.
Whether it was Han Yang or Mr. Lu, their faces were dark for several days.
But they did not dare to refute Zhao Zhen and Kou Ji's decision.
After Zhao Zhen announced the new commercial law, he sent people to distribute the imperial newspaper to all the governments. At the same time, he conveyed the new commercial law of the Song Dynasty to all the people through the Song Dynasty book and newspaper shop.
Although the Song Dynasty Book and Newspaper Shop was not established for a long time, the common people had a good impression of the Song Dynasty Book and Newspaper Shop because of Zhao Zhen’s crazy publication of newspapers.
Therefore, the Song Dynasty Book and Newspaper Shop had a number of readers after its establishment.
No one likes to be deceived, even uncultured people.
In the past, they learned about various imperial decrees from the mouths of wealthy families and fellow villagers.
In order to protect their own interests, wealthy families, clan elders, and village elders seriously misinterpreted various imperial decrees.
When the imperial court was conducting an inventory of business officials all over the country, wealthy families, clan elders, and village elders spread many rumors and misinterpreted the imperial decrees in order to protect their own interests.
But the common people learned the truth of the matter from the Di Bao issued by Zhao Zhen.
So they were not fooled.
Although they still habitually like to listen to the explanations of the imperial decrees from wealthy families, clan elders, and village elders, they also often hear various imperial decrees from the mouths of the children at home.
The Song Dynasty Book and Newspaper Shop is free for elementary school students from all over the country. Zhao Zhen even hinted that teachers from all over the country should read Song Dynasty books and newspapers to the elementary school students when classes begin.
Therefore, Mengtong children will know some of the various decrees of the imperial court.
Whether it's Zhao Zhen or Kou Ji, they all know it in their hearts.
After the establishment of schools at the county level and prefecture level in the Song Dynasty, various government decrees from the imperial court will be thoroughly distributed to the countryside.
Because they will make newspaper reading a required course in schools at all levels.
Thanks to the word-of-mouth communication among the Mongolian boys, the heavy military suppression, and the attraction of the bank affairs, after the imperial court promulgated the new business laws, there was almost no backlash.
The new commercial laws mentioned that the imperial court would take back all tax collection rights to the state.
Dingkou tax is under the jurisdiction of local yamen, and commercial tax is under the jurisdiction of local taxation departments.
The Dingkou tax law remains unchanged.
The commercial tax law was raised to 1 out of 13 taxes.
The pass tax and residence tax in commercial tax are cancelled, and only transaction tax is levied.
The tax stamp issued by the Taxation Department shall prevail.
The basic functions and wisdom of the Taxation Department, as well as the role of tax stamps, were also published in newspapers and newspapers of the Song Dynasty, informing all the people of the Song Dynasty.
After the people learned that the Dingkou tax had not changed, they stopped paying attention to the matter.
Businessmen and wealthy families did not become upset after learning about the increase in tax laws.
Because the imperial court canceled the overtax and residence tax and levied a unified transaction tax, it became easier for them to pay taxes and avoid various exorbitant taxes.
It seems that tax laws have been raised, but after avoiding the exorbitant local taxes and miscellaneous taxes, they actually pay less.
In addition to stipulating tax amounts and tax payment methods, the new commercial laws also established corresponding laws to regulate the market and clarify the obligations of merchants.
At the same time, a tax exemption decree was also issued.
For example, if local businessmen want to provide teaching needs for local elementary schools, they can reduce or reduce the corresponding taxes.
The purpose is to encourage local businessmen to bear the cost of education.
Of course, what excites businessmen the most is an item mentioned in the new business laws.
Merchant's property cannot be misappropriated.
Unless merchants resell goods that are prohibited by the imperial court or evade taxes, local government offices and various checkpoints are not allowed to misappropriate merchants' goods in any form.
If someone takes advantage of others by taking advantage of others, or if there is a strongman who robs the country, the local government must deal with it in strict accordance with the national law without any shirk.
For wealthy people, this is nothing.
But for pure businessmen, this business law is simply gospel.
You know, in this era when businessmen had a low social status.
Pure businessmen receive almost no protection.
Therefore, pure businessmen were oppressed miserably.
Only those businessmen who escape from wealthy families can live a prosperous life.
Often, when a robbery case occurs and businessmen find the local government, the local government will take care of it if they have a background behind it. If there is no background, the local government will not care at all.
This shows how important this business law is to a pure businessman.
As the law of commerce spread throughout the world, the business of the Song Dynasty, which had regained a little vitality, completely boiled over.
All businessmen have smelled it, and the opportunity for businessmen has come.
Whoever can seize the opportunity first will be able to make a fortune.
The Song Dynasty completely set off a commercial craze.
The civil servants, who were nailed to death by the iron law, could only stand aside and say sarcastic words.
But no one dared to jump out and refute this matter.
Because after they jump out, their subordinates will have to face the collective military ministers.
Wu Chen was almost unscathed in the court's investigation of officials engaged in business.
Unfortunately, the civil servants have not been able to refute this matter as a pigtail.
Because the reason why Wu Chen was unscathed was because he was smart.
After the incident happened, they did not go against the court immediately, but chose to separate the family very obediently.
Therefore, the military officials were right in this matter, but the civil servants were wrong.
The civil servants were at fault, so they could not scold the military officials on this matter.
Because no matter what the civil servants say, the military ministers can talk about the civil servants' opposition to the imperial court.
Under such circumstances, it is self-evident who Zhao Zhen will turn to.
Therefore, civil servants will never be foolish enough to mention this matter in court.
The only voice of opposition in both the government and the public was Lu Yijian.
After Lu Yijian read the new commercial laws established by the imperial court, he decisively wrote to the imperial court, bluntly stating that focusing on business was a recipe for disaster.
His remarks were echoed by some readers.
But Zhao Zhen and Kou Ji ignored him.
Because Zhao Zhen and Kou Ji have more important things to do.
After the investment in Shang Lv failed to cause any major changes, Kou Ji and Zhao Zhen huddled in the palace to study the issue of land distribution.
Inside the Zishi Hall.
Zhao Zhen stroked the short beard on his chin and said to Kou Ji: "Fourth brother, with this change, the court has dealt with countless wealthy families, and the number of acres of land that has been cleared is even more numerous.
Now, after more than half a year, the number of acres of farmland identified in various places has been released, and now it is time to consider how to distribute these farmlands to the people.
If we directly allocate land to poor people, other people may not agree."
Kou Ji nodded in agreement, "We are not worried about the scarcity but the inequality. If we directly distribute the land to the poor people, the other people will definitely cause trouble.
When the public dissatisfaction boils over, even if we have heavy troops at hand, we will not be able to handle the matter.
Moreover, getting something for nothing can easily make people feel contemptuous."
Zhao Zhen nodded and said: "Fourth brother is right. What good way does fourth brother have to distribute land to poor people without making them resentful?"
Kou Ji did not answer, but asked: "What do the officials think?"
Zhao Zhen pondered and said: "I think these fields can be distributed as rewards to the soldiers who stayed in the hinterland of the Song Dynasty. Or they can be distributed as rewards to the Mongolian schoolchildren from various places."
Kou Ji pondered for a while, shook his head and said: "That's not appropriate... The government's exports are constitutional. If these fertile fields are handed out as rewards, it will easily become a permanent example."
Once the fields are divided, the soldiers and the people may cause trouble.
Moreover, if the fields are divided in this way, the fields will only be distributed to a small number of people.
It will not benefit the majority of poor people.
More importantly, they are easy to get and easy to lose."
Zhao Zhen frowned and said, "Then what does Fourth Brother think should be done?"
Kou Ji said frankly: "I have thought about this matter before, and now I have a little idea. I have two ways, one is to borrow money from a bank, and the other is to serve."
Zhao Zhen raised his eyebrows and looked at Kou Ji, "What about the loan method? What about the service method?"
Kou Ji said bluntly: "You can convert fertile land into money according to the market price, make contracts with poor people, and then hand over the land to them. They can farm the land to repay their debts. When the court's money is paid off, when will the land truly belong to them?"
.”
Kou Ji's method has the meaning of building loans in later generations.
Logically speaking, Kou Ji shouldn't have brought up this method of skinning.
But after thinking about it, the court could not provide the land to the people for free, so it could only provide this method.
This method actually has some benefits for the people.
First, during the process of repaying loans, people cannot trade their land. In this way, land annexation will be avoided to a certain extent.
Secondly, as long as the court controls a certain amount of land, the people will not be forced to rebel. If they are too poor to survive, they can borrow fertile land from the court in this way to survive.
There is no need to rebel or work as a slave in a wealthy family's house.
Third, when a local disaster occurs, the court can directly relieve the pressure on the people by exempting or exempting loans.
In this way, we can prevent those wealthy families from taking advantage of the government's tax exemption to make a fortune during the disaster period.
After all, once a local disaster strikes, those wealthy families who store countless grains in their homes will not suffer much damage at all.
The people who are really hurt the most are the people.
Therefore, after local disasters, the court exempted and exempted the poor people's loans, which could relieve the pressure on the poor people, and it could also provide feedback to the people through money and food from wealthy families.
In this way, the amount the court has to pay will be greatly reduced.
After the disaster, the imperial court only needed to open the local changping warehouse and set up porridge sheds to ensure that the poor people who could not afford to eat had food to eat.
People do not need to be forced to sell their children or daughters, nor do they need to travel long distances to other places to seek food to save their lives.
As long as the local Chang Ping Cang remains abundant and the interest rates of the Song Dynasty Bank remain at 10% or even lower, the people do not have to worry about not being able to survive.
The only disadvantage is that this will push the people to the ground and peel them off layer by layer, and the people will get rich very slowly.
When the common people did not fully obtain their land, they had to work for the court for a long time.
But Kou Ji feels that the advantages of this method outweigh the disadvantages.
As long as we strictly control the interest rates, local regular warehouses, the location of the allocated fields, and land prices, we can ensure that the people will always have food to eat and will not be forced to death.
If the imperial court can always keep the land in its hands, it can greatly avoid the disadvantages caused by land annexation.
Kou Ji explained 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 imperial court can really keep fertile land in its hands, then it can really avoid the pain caused by land annexation to the people.
At present, our land in the Song Dynasty can ensure that the people can cultivate it.
But as the Song Dynasty settles down and the people have no worries about food and clothing, the population will skyrocket rapidly.
Just like when the Song Dynasty was founded, the population was only six million households.
Now it has reached 13 million households, which has almost doubled.
Counting those with criminal records and unnaturalized people, the population of the Song Dynasty has reached 16 million households.
Nearly ten million.
From now on, the Song Dynasty will enter a peaceful and prosperous era, the people will live and work in peace and contentment, and the population will inevitably increase exponentially.
By that time, the existing land of the Song Dynasty was simply not enough.
So there is no way we can keep the court holding the ground all the time.
Therefore, the promotion of borrowing can only alleviate the problem of land annexation, but it cannot completely solve the problem of land annexation."
Kou Ji heard Zhao Zhen's worries and laughed in a low voice: "Why do the officials think it is fifty years? Why do I think this kind of thing will happen after a hundred years or even a long time ago?"
Zhao Zhen said in a deep voice: "The problem is that all the land now does not belong to the imperial court. The imperial court only has a small part of the land, so it will be divided soon.
After I have distributed the land, I can still find ways to seize some land from the wealthy families and continue to distribute it to the people in this way.
But what happens after I'm gone?
Will future generations be able to plunder fertile farmland from wealthy families and distribute it to the common people like me?
I cannot guarantee that every descendant will be a wise king.
Therefore, the land in this world will eventually slowly flow into the hands of wealthy families.
Therefore, only by ensuring that the imperial court has a steady supply of land can we ensure that the issue of land annexation does not harm the people."
Kou Ji stared at Zhao Zhen and said seriously: "So in our lifetime, we can find ways to cultivate improved seeds and increase the output of the fields."
Zhao Zhen pondered and said: "Like the one in Jiaozhi Prefecture, where there are three crops a year and four crops a year? In that case, the grain will hurt the farmers and the people will still be poor. With the large number of crops in Jiaozhi Prefecture, Liaodi, and Hexi
With the influx of grain, some places near Jiaozhi, Liaodi, and Hexi have already suffered from grain losses and poor farmers.
If the people in these three places did not have huge fertile fields in their hands, maybe some people would give up growing grain and join the army instead."
Kou Ji laughed and said: "We just need to ensure that all the people have enough to eat. Are the officials thinking too much?"
Zhao Zhen was stunned for a moment, and said in confusion: "Fourth brother is right, I think too much. As long as I can make all the people under my rule full, I will be far ahead of all the emperors before me.
I’m just being greedy if I still think about the grain hurting the peasants.”
Kou Ji laughed softly and said: "Actually, there is a solution to the problem of grain damage and low prices for 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 have enough to eat.
fruit.
People can't make money from farming, but they can still make money through animal husbandry, handicrafts, and growing vegetables and fruits.
Just like those poor people in Shaanxi Prefecture working in textile workshops.
They can get an income by working in the workshop.
Supplement household income.
Talking about this now is actually a bit too long-term, as we have not yet completely solved the problem of people starving."
Zhao Zhen laughed loudly and said: "We monarchs and ministers are all talking about things that will happen decades or even hundreds of years in the future."
Kou Ji smiled and nodded.
Zhao Zhen asked with a smile: "What about the service?"
Kou Ji said bluntly: "The imperial court can give land to poor people for free, but the poor people's families must have a son who serves the court for ten months every year.
The imperial court specifically asked them to build bridges and roads, or go to the eight prefectures of Liao, the fifth prefecture of Xixia, the sixth prefecture of Qingtang, the fourth prefecture of Dali, and the four prefectures of Jiaozhi to farm and graze.
Specifically, the service period can be set according to the quantity and value of the land they need.
If you are building bridges, repairing roads, or doing other things in the hinterland of the Song Dynasty, you don't need to bring your family.
If they go to Liao, Xixia, Qingtang, Dali, and Jiaozhi, they are allowed to bring their families with them.
In addition, their service years can be increased or reduced based on their output while farming.
If someone settled in these places, their fields in the hinterland of the Song Dynasty could be replaced by the fields where they served.
This move would ensure that in addition to the grain stored in the Changping Granary, the imperial court would also have several more huge granaries for storing grain.
In this way, the court no longer has to worry about the sudden increase in food prices after local disasters.
More importantly, this move can gradually transfer people from the hinterland of the Central Plains to places with vast land and sparsely populated areas.
At that time, the local demand for farmland will be reduced.
Places with vast land and sparsely populated areas will gradually become prosperous, which will not only provide the court with huge output, but also improve the court's control over the local area."
After Zhao Zhen listened carefully to Kou Ji's words, he couldn't help but sighed, "These two policies are our century-old national policy of the Song Dynasty."