Chapter 752: The premise of paper money is to connect the world
Zhao Xin was depressed.
It’s not that he is short of money. Beihai Town just issued a ten-year public bond not long ago. Shanxi merchants, salt merchants and the Thirteenth Bank in the pass secretly bought a lot. Not to mention a few people in the mountains east of the Xila River.
In the cave, he also kept a lot of silver ingots worth thousands of feet.
What depressed him was the feeling that his newly bulging wallet quickly deflated just before his eyes. He was unhappy!
The original purpose of this meeting was to summarize the past, talk about the current situation, and focus on the future. As a result, it has now become an Autumn Wind Meeting, with all departments reaching out for money.
He had been staying on the Liaodong front line before, and everyone couldn't catch him. When he came back and had a happy event with A Miao, they had to let him go temporarily, and then there was the Mid-Autumn Festival. In short, Zhao Xin gave everyone in the committee enough time to prepare.
I have thought about how to use the most reasonable reason to ask for money. Although there is a lot of meat, there are also a lot of wolves. Time waits for no one!
Even the old man Yudelina also proposed in the report that an examination institute should be built in Dengzhou and Qingzhou, and next year's imperial examination and pre-examination training will be held there; in addition, the administrative school should also open a branch in Jiaodong to directly train local civil affairs students.
Talent.
The second new imperial examination in Beihai Town was held again before the Mid-Autumn Festival this year, and the number of people who came was three times that of last year. You must know that the Beihai Navy also made a big move in Shandong this year, taking over Laizhou Prefecture and Qingzhou in one fell swoop.
Most of Qingzhou Prefecture and Wuding Prefecture, among which Qingzhou Prefecture has been a place of culture and education since ancient times. Liu Yong’s hometown, Zhucheng, is located in the south of Qingzhou Prefecture.
The momentum of the change of dynasty became more and more obvious, which made many Jin gentry who were in a wait-and-see state unable to sit still, so they secretly sent their servants to Dengzhou to inquire about the news. When they learned that last year, Beihai Town admitted all 241 candidates regardless of whether they were children or scholars, and they also
After one year of training, he could become an official, and he immediately became a success.
The imperial court is about to be finished, and the imperial examinations held every four years are meaningless, let alone the so-called "Enke" next year. Who knows whether Jiaqing will still be in the Forbidden City next year?
Why does King Zhao have to hold the imperial examination every year? It's obviously because he is short of people! If we don't hurry up now, if someone comes to Beijing to sit in the Longting, and an imperial decree changes the subject back to four years, it will be a big loss! Use seeds.
As local farmers say, you should eat shit as early as possible, otherwise you won’t even be able to catch the hot stuff.
The sudden increase in the number of people taking the exam is certainly a good thing, and it makes old-style literati such as Wang Zhong and Duan Yucai very excited; but as the head of the Education Committee, Yu Deli knows that it is not feasible to cross the sea by boat every year, in case of danger at sea.
, hundreds of scholars will have to meet the Dragon King, and the impact will be very bad.
By the way, everyone in the committee has finished their reports, and Zhao Xin has also estimated the increase in their budget next year, which is approximately between 10 million and 12 million. Okay, at least he can still keep half of it.
"Let me ask a question. Why don't we issue banknotes?"
Everyone heard the sound and saw that it was Yang Yi, the person in charge of the Jilin Reservoir Project. He participated in the Beihai Town political system discussion as a non-voting member last year, and was unanimously approved by the committee at the regular meeting after the Spring Festival this year and became a regular member.
This 45-year-old, mid-level water conservancy engineer, worked as the vice president of a water conservancy engineering design company in the north before coming here. He lost his job because he had sex with a young and beautiful woman in the unit while talking about work.
It's funny to say that Vice President Yang was almost blocked in the room by his boyfriend at that time. In the end, he panicked and wrapped himself in a sheet without any clothes on. He climbed down the water pipe outside the bedroom balcony, and the woman even went out from the balcony.
Throw his clothes away. Fortunately, the building is on the third floor and is an old-fashioned building. If it were to be replaced by a high-rise board building, Vice President Yang would have no choice but to become a falling object.
However, precisely because it was an old community, Yang Yi was noticed as soon as he came out from the balcony. As people continued to join in, someone soon posted this scene online through self-media. So he became famous and the community died.
, his wife divorced him, and he was fired from his workplace after he left home. Then, he was deceived by Zhao Xinlian.
There are many rivers in the Northeast, which will overflow during heavy rains in summer. There is also the problem of farmland irrigation. It is really difficult without professional people in the water conservancy industry. For example, how to repair the irrigation canal system at the channel water intake hub? How to build the flood control and drainage system?
What are the design standards for river flooding? How to deal with reservoirs?
However, this man is a master in water conservancy projects, but he is a bad guy in finance. Yang Yi has actually been holding back his problem for a long time. He was unemployed and had nothing to do at home. He read novels online to pass the time. Those guys who traveled to ancient times and became emperors
They used paper money at every turn, so the financial problem was solved.
Zhao Xin shook his head and said: "It can't be done. Or maybe we don't have the conditions to issue banknotes at the moment."
Yang Yi asked: "Why?"
I wonder, how do you ask Zhao Xin to explain this? This kind of thing cannot be explained clearly in a few sentences. He thought for a while and said: "Gong Yang, the issuance of banknotes is based on bank notes, and bank notes
The system must be established on the basis of the property rights system. Today, Guan Nei still has the centralized thinking of "everything in the world must be the king's land". The ownership of property is not clear, and bank bonds cannot be obtained. Can you understand if I explain it this way?"
Liu Zheng asked curiously: "What are bank notes?"
"Cashier's check, money order, check."
Liu Zheng nodded and blurted out: "Shanxi people's ticket number." He had often dealt with Shanxi business groups in Kulun in the past two years, so he immediately thought of it.
Zhao Xin showed a teachable expression and said: "The ticket number is just the prototype of a bank note. It can also be said to be a kind of informal banknote. The jargon is called a private note."
Yu Deli said at this time: "Zhao Xin, you are the one who knows the most about economics among us. It's still early, so I can tell you about it. I don't understand these things very well either."
"Yes! Tell me." The one who was encouraging was Zhou Weiguo.
As soon as he heard the word "property rights", his eyes immediately lit up, and he immediately thought of the citizenship issue he raised during the meeting the year before last. As soon as he started, Yu Deli and Liu Zheng jointly pushed back because the conditions were immature.
, it was very embarrassing. Now Zhao Xin mentioned property rights, which are the material basis for the realization of civil rights.
This chapter is not finished yet, please click the next page to continue reading the exciting content! Zhao Xin felt a little funny when he saw Zhou Weiguo's appearance, so he got up and pulled a whiteboard in the corner over, and wrote "ticket number" on it with an oil pen
”, “credit” and “property rights”.
"If you want to set up a bank these days, you must first have a strong business name, and then have commercial outlets all over the country. Only then can you evolve from commercial credit to monetary credit. With monetary credit, you must also have a national credit trust.
At the end of the day, for example, if you help the government collect taxes and fees and advance payments, the bill account will grow. No business is as big as doing business with the government. Let’s talk about the Shanxi merchant bill account. Why is it the first company to dare to say "Huitong Tianxia"?
The Rishengchang bank account was not established until more than 20 years later? It was because the Lei family's pigment store had developed its outlets all over the country at that time, and Lei Lutai had the confidence. Isn't the reason why the Shanxi business bank bank grew so big?
Did it help the Qing government collect advance compensation? Hu Xueyan's Fukang Bank also developed by helping Zuo Zongtang borrow money."
Liu Siting interjected: "But our Beihai Bank does not need this process."
Zhao Xin nodded and said: "Our situation is different. The early immigrants were essentially long-term workers. All our systems must be compulsorily obeyed, otherwise they will not get fifty acres of land. When Beihai Bank was first established,
Son, Lao Chen and I went to the factory to inspect. The workers didn’t understand why their wages had to be paid from banks instead of directly from us. At that time, they all said privately that it was unnecessary.
At that time, you all thought that I wanted to open a bank to make money. In fact, what kind of money can I make? Losing money is real. But I just want to establish a credit system through this. Now, the salary of more than 100,000 Beihai Navy has to come from Beihai.
People have to go to the bank to pay taxes, and the grain collected every year is also transferred to the account. Everyone thinks it's good, which shows that our commercial credit has been initially established."
Yang Yi asked at this time: "When can we issue banknotes?"
"Actually, we were able to introduce banknotes in the Northeast two years ago. The problem is that the population under our control is too small and the scale is not enough. Even if we introduce banknotes, it will not solve the problem. We must focus on the whole country."
Zhao Xin tapped the words on the whiteboard with his pen and continued: "We already have a business name; I believe anyone who has been to Anping Port can see its influence; needless to say, the government's credit, Beihai Bank is our own.
The key is to establish a nationwide commercial network. Once these are in place, we can launch bank notes. In order to achieve global integration, we must have the ability to centralize clearing and occupy a large proportion of the bill market. Only then can we
Consider issuing banknotes."
He was just talking in general terms today. The actual operation is far more complicated than what he said. Moreover, the biggest problem in issuing banknotes is the devaluation caused by the abuse of government credit, which is unavoidable. Nowadays, prices of silver and copper coins have skyrocketed in various parts of the country. This is unreasonable.
When paper currency is introduced, as long as it depreciates, people will definitely turn to copper coins and silver again, thus creating a vicious cycle.
Historically, the Song, Jin, Yuan and Ming dynasties issued various banknotes, such as Jiaozi, Qianyin, Huizi, Baobao, Jiaobao, Zhongtong banknotes, etc., all of which relied on government credit as a guarantee of value. However, the government credit of the feudal dynasty was
It is the most untrustworthy. Once a war or famine breaks out, in order to alleviate the financial shortage, the currency must be over-issued. All kinds of banknotes will eventually become wiping paper. After the implementation of the "One Whip Law", silver became the only currency with sufficient
As a functional currency, the credit notes of ancient China can no longer be used.
After the afternoon meeting, Chen Qingsong stopped Zhao Xin who was about to go out and said: "Although I don't know much about finance, if you want to establish a national business network and clearing center, the relevant personnel must be prepared in advance. You see
Should we find two professionals from our side?"
Zhao Xindao: "There is no rush to find someone. You have forgotten that we have a group of people who are most suitable for the banking industry."
Chen Qingsong was stunned for a moment, then slapped his forehead and said, "Hey! My mind is too busy."
Jews, this is a group of people ignored by many people in Beihai Town, but Zhao Xin always pays attention to them.
After Zhao Xin captured Yeniseisk, the local Jewish groups took the initiative to request attachment because they did not want to be displaced anymore. After Zhao Xin issued a proclamation to abolish the alcohol tax package system and banned Jews from engaging in the loan sharking industry, Siberia's
The Jewish group quickly split. Some of them returned to Tsarist Russia in the spring of the next year, while others went to the Nizhny Udinsk and Tulun areas designated for them by Zhao Xin.
Now four years have passed, and the Jewish population under Beihai Town has grown from more than 6,000 to more than 10,000. Since the year before last, the civil affairs have removed more than 4,000 Jews from the town through land swaps and tax holiday extensions.
They were moved out of Siberia and settled in various villages and towns from Whale Town to Khabarovsk.
Zhao Xin's next plan is to wait for the situation in the newly recovered Liaodong region to stabilize and continue to move the Siberian Jews out. The reason for doing this can actually be summarized in four words, turning barbarians into summer.
Although various ethnic groups in ancient China were mixed and had different customs and languages, they could identify with each other on the level of etiquette. No matter where they are, as long as they identify with the "etiquette" of Chinese civilization and abide by it, they are Chinese. For example, the Kaifeng Jews in the Song Dynasty
, the Semu people of the Ming Dynasty, and even the Russian assistant leaders of the Manchu Qing Dynasty.
Nowadays, every Jew under the rule of Beihai Town must have a Chinese name, even if he cannot speak a word; children of school age must go to school to learn Chinese without negotiation.
In addition, Jews like to gather together to pray. According to Jewish law, adult men must gather together with more than 10 people to pray three times a day. Theoretically, Jews can pray anywhere except unclean places, but as long as their lives are settled, who
Don’t want to have a church? For this reason, the Ministry of Civil Affairs specially built two courtyards with carved beams and painted beams in Khabarovsk and Whale Town to serve as Jewish churches.
As for the layout of the room, it was based on the rabbi's suggestion. In fact, the interior of the synagogue does not need to be full of idols or pictures like Catholic or Orthodox churches; there is a large platform for reciting the Torah, and a long
The Ming Dynasty's seven candlesticks, a small podium and seats are enough.
This kind of thing cannot be rushed. Even if the Russian commanders of the Qing Dynasty were forcibly reformed as prisoners, they would have to live in the circle of bannermen in Beijing every day and experience the folk culture of the fusion of Han and Manchu. It would still take hundreds of years.
"Reborn".
The reason why Chen Qingsong ignored the Jewish affairs was because of the strategy he and Zhao Xin had previously set: to prevent Jewish groups from getting involved in the financial industry until they became proficient in Chinese.
Zhao Xin's idea is that four years have passed and now it should be possible to select a group of people who are proficient in Mandarin from the Jewish community and make preliminary preparations in order to achieve the goal of "connecting the world."
In his plan, in the future, the banking industry in Beihai Town will not only involve Jews, but also people from Shanxi merchants and Jiangnan banks. Internal checks and balances are on the one hand, and on the other hand, these people have spent one or two hundred years establishing
With a commercial network all over the country, it would be a waste not to use it.