In Chongzheng Hall, several ministers sat upright. Zhao Zhen asked Prime Minister Li Di: "The three departments are going to renovate the roads nationwide. The autumn and winter seasons are just the right time. But can the court take out so much money?"

Li Di held the scepter and said, "Your Majesty, the government now spends money from banks. As long as the bank can lend it, there will be no shortage of money. The memorials from the Sansi have already listed the manpower and material resources required for the renovation of these roads and the time for repaying the principal and interest. There is no problem with the Sansi to protect these. Now, looking at the bank alone, I think it is not only a good deal to lend out the money."

Zhao Zhen asked Xu Ping, who was sitting in the lower head: "I see your memorials, mostly talking about repaying principal and interest within three years. Can this really be achieved? Although the road has been taxed, is there a little less time in three years, according to previous years?"

"Three years is not short, but it depends on how the tax is collected." Seeing that Zhao Zhen was a little confused, Xu Ping stood up and held the scepter to salute. "The success or failure of this matter depends on whether Your Majesty supports it. If these roads are repaired, the three departments have decided that no matter which yamen it is, no matter what the purpose is, as long as they walk on the road, they must pay taxes like the people. Even if some yamen are difficult, the three departments will re-allocate the money back afterwards, and the tax calculation at that time will have to be paid. Now, just look at the inner government. In the past, the whole country is tax-free. On these newly built roads, can your Majesty pay the taxes?"

"Oh, how much goods can be found in the inner palace? Since ancient times, no emperor has paid taxes."

When it comes to money, Zhao Zhen's account was particularly good. Xu Ping had expected it and said to Zhao Zhen: "Your Majesty, it is okay for the emperor to exempt private money from taxes. However, in addition to the goods in the inner government, in previous years, there were always princes and ministers who pretended to evade taxes. It is difficult to check this kind of thing for ministers, so it is really hard to guard against. Otherwise, the tax will be paid when transporting goods in the inner government. By the end of the year, or once a month, the three departments will reconcile the accounts with the inner government, and then the tax will be calculated and then transferred back?"

Zhao Zhen shook his head repeatedly: "Someone can correct the order and ask the lawsuit to be investigated strictly. If a crime is committed, he will be punished according to the law. How can the emperor pay taxes on his wealth? This matter cannot be done. Go back and think about it and come up with a way to achieve the best of both worlds."

Seeing that Zhao Zhen didn't want to pay the tax anyway, Xu Ping felt it was difficult, so he turned his head slightly to look at Li Di and Chen Yaozuo.

Zhao Zhen did not want to pay taxes normally. This time it was not a matter of money, but the things used by the palace were not wanted to be known to the outside court. All the precious and rare things in the world were gathered in the palace, and it would be fine if the ministers of the outside court didn't know it. Once the news was leaked, someone might have to advise him that the wealth in the world was all the money and the emperor should take the lead in frugality, and Zhao Zhen was so annoyed.

Li Di coughed gently and said to Xu Ping: "Advice, how do the newly built roads be collected by the Sansi?

Xu Ping understood the gods and said with a hand of the scepter: "There are three ways to go back to you. One is to collect the amount according to the number. As long as you are on the road, the tax rate for one person is calculated, the tax rate for one horse is calculated, and the tax rate for one car is calculated. As for the goods, one is collected by weight, and the number for less than a hundred kilograms, and every 100 kilograms is calculated separately. The other is collected by size, the size is calculated as the weight method. The last two are calculated by the one with less tax. Of course, these are calculated by mileage."

Li Didao: Is transporting gold and treasures on the road the same tax as the transporting bricks, tiles, wood and stones?"

"That's right. This money is charged for travel expenses. As for tax calculations, there is another algorithm."

Li Di said to Zhao Zhen: "Your Majesty, it is better to do this, according to my opinion. Xu Jianyi just mentioned the travel expenses, the palace uses the same as the people. If Your Majesty feels that he has paid too much, he will reconcile with the three departments at the end of the year and transfer the money back. As for tax calculation, it will be exempted as before, and the best of both worlds is the best. How good is that?"

Zhao Zhen didn't speak, thinking in his heart. The palace transported some treasures from all over the world every year. The pearl corals of the South China Sea, the gold from Jingdong Road, and the overseas treasures collected by the Maritime Bureau were piled up in the inner warehouse like mountains. If the accounts of these things were leaked, they would definitely cause discussions from ministers of the foreign court, and they would also be very unpleasant. But the conscience of the heaven and earth, these treasures were not all enjoyed by the palace. A large part of them were sealed for the emergent needs of the country. Zhao Zhen did not want to be scolded.

If you just collect travel fees and do not inspect the goods, you can be compatible. As long as the foreign government does not know what is transported, Zhao Zhen will refuse to admit it. He insists that the one who transports broken bricks and tiles are what you can do?

After being silent for a long time, Zhao Zhen nodded: Let's do this for the time being. If it is inconvenient, then make a decision."

Everyone breathed a sigh of relief. No matter what the change was, it would be difficult to deal with as long as it involved the palace. Zhao Zhen was also a reasonable emperor, and as long as he was not allowed to look too ugly, he could discuss it.

The matter was settled, and Chen Yaozuo asked Xu Ping again: "Xu Jianyi, only the road fee is charged on the road. What should I do if I have collected taxes before? Could it be cancelled? If this is the case, it would be inappropriate."

"When I returned to my husband, the tax on general goods was indeed cancelled, but the tax on housing was tightened. From now on, the government will have to investigate the purchase and evade tax. As for special goods, tax overdues will still be collected. The three departments will list a list in the future and report to the Secretary for review and the emperor decides. The goods in this list will be calculated in a different amount of tax. In other words, the tax-free items were collected in the past, and the tax-free items were specially listed, and then the reverse will be made. In order to prevent smuggling, the three departments will arrange random inspections for goods transported on the road. Once smuggling is found, the punishment will be increased."

Seeing that Zhao Zhen looked a little bad after hearing this, Xu Ping hurriedly said, "Of course, this does not include the goods transported by the inner palace. There are many things used by the palace that are not easy for the outside world to know. No matter what is transported, they will not check."

Zhao Zhen breathed out, not wanting to waste his energy on this, and said, "Okay, that's it. As long as the three departments calculate it themselves, they will not be able to calculate taxes and money and food."

Xu Ping held the scepter and thanked him again.

Li Di said loudly: "The road to repair the autumn and winter is settled like this. However, it is best to settle the money from which bank or how many banks will pay together. Otherwise, I am afraid there will be disputes in the future."

Zhao Zhen was stunned for a moment and said, "As I said when I set up a bank, shouldn't this money be paid from the Sansi Bank? If there is anything to discuss, I will handle it according to the established one."

Cheng Lin, who was sitting next to him, whispered: "Your Majesty, this kind of money is the most favored by banks. If it is paid by Sansi Bank, I am afraid that the other two banks will be dissatisfied in the future."

"Well, why do banks like to lend money the most?" Cheng Lin's words were unexpected to Zhao Zhen, and turned to look at him. "The interest on lending money is lower than the interest on loans from the outside normally. If the interest is low, the bank still likes it?"

"Banks make money, not only depends on the interest rate." Cheng Lin's words were relatively low, saying that it was for Zhao Zhen alone. The Hanlin Bachelor is really an in-house minister. He wanted to give advice to the emperor, which was somewhat different from the identity of a minister of the foreign court. "Loaning money to these projects is not issued at one time, but is distributed in batches according to the construction period, which is conducive to bank operations. First, there is not much money actually issued to the bank, and it is loaned out in installments. Compared with other loans, it has little impact on the bank's lending ability. Second, the money is borrowed out to repair the road. After the road is repaired, the taxes are collected to repay the loan, and the risk is extremely small. In addition, the project is a benefit to the country and the people. According to the initial regulations, there will be rewards. The money supervision can allow banks to lend higher."

Zhao Zhen was silent for a long time, and then he understood Cheng Lin's meaning half-understanding. Since the establishment of the bank, Zhao Zhen felt that his previous business was not enough, and he was often confused by the words of these ministers in charge of the bank and accidentally fell into a trap. Project loans are, after all, the cost of lending by banks is very low and the risk is extremely small. Even if commercial banks make certain interest discounts, they have to rush to do it. Another point is that in order to support government projects, it was decided from the beginning that the Qianjian has preferential policies for banks that issue large amounts of project loans, which can reduce deposit reserves. If the Qianjian is free of charge, the bank will have a large amount of available funds, which is more important than anything else.

At first I felt that the interest rate for this kind of project loan was a bit low, and Zhao Zhen didn't want the Beijing Bank to participate. After listening to Cheng Lin's analysis, he felt that he was thinking the opposite. Although the interest rate was low, the interest rate was equivalent to vain, and the amount was particularly huge. If any bank did not participate, it would definitely turn its back on the future.

Only then did Li Di understand that what he said just now was not to distribute tasks to the three banks, but to share the spoils.

Seeing Zhao Zhen looking at him, Xu Ping said: "Sansi Bank is different from the other two companies. The principal is national tax revenue. Now it is autumn and winter, and the money in hand is not abundant. This time, if you don't participate in the short term, you will only participate in a few companies with a long time limit, and you can divide it into multiple periods."

Xu Ping said that the Sansi Bank had reservations, but Zhao Zhen was a little hesitant, afraid of being cheated by the ministers of the foreign court.

Xu Ping said again: "However, Xijing Bank has enough cash, so it is not impossible to follow up all these projects."

Cheng Lin said: "It is impossible for the two banks to be placed in Xijing. We still have to discuss the two banks to pick them up."

Xu Ping looked at Cheng Lin and said with a relaxed expression: "It is best for the two companies to join together, but as far as I know, the Beijing Bank now has no money. Project loans are not allowed, and the money supervision must be careful if there is any money to lend to the outside world."

Zhao Zhen was a little confused: "No, when the two banks opened, the capital was the same. It has only been a few months since then. Why does Xijing Bank have money to loan, but Jingshi Bank has not?"

"Your Majesty, the same loan is used to lend money. The effect is very different. Xijing Bank lends money in companies with clear business, with clear payments and timely repayment. The Jingshi Bank is different. The Audit Department has been keeping a close eye on it. After checking it a few times, it still cannot find out where their money flows. Although it is also loaned to the company, the business of these companies is in a mess and has a great risk. With great risks, the Money Supervision Bureau will collect the amount of loans."
Chapter completed!