"By the way, I asked you to specially mark the places you visit, where there are supplies, and where there is a lack of supplies, so that the caravan can use them. Have you marked them?" Zhao recalled what he had told him before leaving.
Xun asked with a smile.
Although there were still a lot of them, no one had yet systematically left information on the maritime trade routes. Zhao Xunxiang marked them down so that the maritime merchants who left behind could prepare in advance.
Zhang Yunqi took out a booklet and said with a smile: "We have already done this, and the Department of Commerce is also fully assisting. This is the printed summary of maritime records.
"Okay, in this way, the rest of the caravan can also have the most basic preparations." Zhao Xun smiled and took the booklet from Zhang Yunqi's hand.
I flipped it open and found that it contained information about traveling to Southeast Asia, South Asia, and even East Africa. Of course, many places I had no personal experience with were recorded by what other maritime merchants had said. Situations like this were also later marked with Unknown
Words that I have seen personally and need to be investigated.
There are various precautions on the marked route, and there are specially described experiences in fighting storms and whirlpools at the back. There are even detailed notes on the places where sharks often hang out. There are also detailed notes on the local customs and customs.
A rough description, its preferences, taboos, detailed descriptions, and labels indicating which goods are more popular.
"It's very popular. It will be printed by the Department of Commerce and sold to maritime merchants. You will also get a share of it." Zhao Xun looked at it briefly and made a decision.
Zhao Xun believes that this kind of thing will be welcomed by maritime merchants. Anyone who engages in ocean trade knows that time is business opportunity, and it is always better to be first than to be late. Besides, if there are some details, it will be better.
If something goes wrong, you won't be able to get by with just a little money, or you may lose your life.
In the coastal areas of Qingzhou and Youzhou, there are still a lot of maritime traders, and the number of merchants traveling to and from Yizhou, the Silla Peninsula and the southern sea is still very large. The profits of maritime trade are not small, and they were previously under the jurisdiction of the Department of Commerce.
, but now Zhao Xun is planning to separate it separately, not for anything else, but just to be more responsible for this matter.
After discussing with Situ Liang, Yang Wangqing, Liu Wenqi, Pei Yi, Lu Ziliang, Yang Wangzhen and others, they decided to set up another department to be responsible for the management of maritime trade. The name was called the Sea Trade Department, and it was the same as the Shipping Department of the Tang Dynasty.
Exotic goods maritime trade
Transactions come from far away people and far away objects. Its responsibilities include: inspecting incoming goods; collecting taxes; purchasing, selling, keeping and transporting specialty goods and other cargo; issuing foreign trade documents... Its functions are equivalent to modern
customs.
Half a year later, Huitong Banks were spread all over the place under Xiaoguojun's rule, becoming something similar to banks. Coins and money bills also became items in circulation in the world, replacing the previous gold and silver items.
"It's not enough to just absorb and save money. You also have to lend money. Only when the money is used out can it become money. If it is just stored in the bank's treasury, what is the difference between it and ordinary people keeping it at home?" After hearing about the current operating situation of the bank,
Couldn't help but say.
"Lending, we are lending, and we have lent it to the government to repair rivers. Besides, we have issued so many bonds, and it will be a problem to pay them back when the time comes." Hu Yi, director of the Finance Department, said with a frown.
Zhao Xun shook his head and said: "You are not lending it to the government. It is simply the government using the money in the bank for free. The money in the bank and the money stored in the bank by the tax department are two different things."
After a pause, Zhao Xun explained with a wry smile: "The money stored in the bank by the Finance Secretary is government money, which is equivalent to the imperial household treasury. But the money absorbed by the bank itself is the money the bank uses through its business operations.
, temporarily borrowed. The bank is not owned by the government, but an institution like a store, but it is an institution under the supervision of the government."
"The government can use the money deposited by your Finance Department in accordance with the rules, but the money absorbed by the bank cannot be mobilized for free. Put it this way, we issue bonds and the wealthy households buy them. After maturity, we have to return the interest plus the principal.
When you use the bank's money, you must also give a certain amount of interest without affecting the bank's operation, just as the bank is also a special large owner."
After a detailed explanation, Zhao Xun clearly separated the bank and the finance department. Zhao Xun was either afraid of something else or that they would allocate the bank's money randomly and unplanned. The bank's money and the finance department's money were different.
The company's money is obtained through taxes, and the entire amount is official money. But the bank's money, although it is in the bank, essentially belongs to others. Your place is just a storage place.
Why are ordinary people and wealthy businessmen willing to put their money in banks? It’s not about safety, but what they value more is reputation. If you can deposit and withdraw, if you can only deposit, there will be a lot of things when you go, will anyone save money?
Think about it, when the bank was first established, it had not established credibility. Apart from the governor's office and some officials and their officials who kept their money in the bank, would anyone really be willing to do so? Even the officials under his command would not be able to afford it.
And for that reason. But now, it is already under the rule of the Xiaoguo Army and has obtained
It is generally recognized by the people. Even those businessmen who have wealthy families also deposit their money in banks and use the money notes to exchange them in other places. As a result, the money notes in many places are now equivalent to actual money. Especially those that
If you only look at the ticket number and do not record the ticket, it basically becomes a large amount of currency.
"Staff at all levels in the bank should be assigned certain numbers and rotated on a rotating basis. At the same time, verification should be strengthened. I don't want anything to go wrong in the bank." Finally, Zhao Xun emphasized.
"My lord, your intention is to lend money to the people like a loan shark?"
"Yes, who dares to say that he is not in trouble. There will always be times when he needs money but there is none around him. It is not enough to rely on the government and those wealthy businessmen for the money of this bank. We need to spread it.
Even ordinary people have to consider it. For example, if there is a natural disaster, people can borrow money to save themselves and repay it when it is due. Of course, interest is still needed. However, the interest rate we set is far from
There aren’t as many loan sharks as there are.”
If we follow what Zhao Xun said, then the government has placed a huge burden on them. In this way, the government only needs to allocate the fields to the people for cultivation, and no longer needs to provide them with what they need. Of course, the government provides
Materials also need to be repaid. It’s just that
, now that banks have replaced them, in addition to relying on the busy government officials, the common people can also make their own arrangements, which can greatly alleviate the temporary financial pressure borne by the government. After all, any time all things are overwhelmed, the government will also
Can't bear it.
For another example, if Shanyang Prefecture now has a bank and a unified planning bank, then according to Zhao Xun's idea, the financial pressure of "resettling refugees and cultivating grain fields" will actually be transferred to the "qianzhuang"
; Of course, the bank will charge a certain amount of interest as compensation. This repayment will naturally come after the people have gained something.
Banks lend money to displaced households so that they can obtain the most basic rations, seeds and necessary tools to reclaim wasteland in these places. First, it can increase the cultivated area of counties and increase local money and grain income; second, it can bring these refugees to
Settling down will eliminate hidden dangers of insecurity; third, after the refugees can harvest the harvest, they can return their principal and interest, and the bank can profit from it.
Of course, how to lend money and how to ensure that it can be recovered smoothly after lending money are all things that need to be considered in detail. Fortunately, under the rule of the Xiaoguo Army, at least the people will not run around, they can get the land, and various tax exemptions and exemptions are also provided.
Miscellaneous taxes. If it is elsewhere
Fang, who can guarantee that these refugees will not leave immediately after taking the money? Refugees are not orthodox people. They are all homeless people. If they are not handled well, they will lose everything. As for these,
It's not something that should be considered now.
"But it's okay to give it to the people, but if it is given to the refugees, how can we guarantee that there will be profits?" Cao Bin, the former governor of Qingzhou and now the military affairs envoy, frowned. He didn't know much about government affairs, but he also knew that the bank relied on
What kind of business? Moreover, he has now gradually begun to integrate into the Xiaoguo Army, and he has begun to worry about the Xiaoguo Army.
In the council hall, Hu Yi replied excitedly: "As long as there are harvests from reclaiming wasteland, the refugees will naturally be able to return the money and pay interest. At the same time, for the local area, if the wasteland is reclaimed, households and grain fields will increase, taxes and grain will naturally increase."
There will be an increase. Even if there is money released, some of it will not be recovered in the end. According to what the Lord said, since
The additional subsidies from the local government to banks will actually be very limited, accounting for a very small proportion. After all, no one is willing to flee for such a small amount of money. In this way, setting up banks to lend money to refugees is a good policy.
!Haha, I just discovered now that loan sharking is also a great act of kindness!"
Originally he thought it was a loan shark, lending money to large households and ordinary people who were temporarily in trouble, but after hearing what Zhao Xun said, Hu Yi's mind suddenly became active, as if his eyes suddenly became clear.
Yang Wangzhen said: "If we classify the refugees into households, we will have Jia chiefs and li chiefs to lend money and directly purchase the necessary supplies. And these Jia chiefs and li chiefs are our own people, have family members here, and even make arrangements."
Some locals, then, can also reduce some troubles. Now our Jizhou and Qingzhou areas are still accepting refugees. Why not, let's try this, let the Supervision Department supervise, and let the government do a good job.
Coping means.”
Zhao Xun nodded and said: "That's very good. It's better to say it well than to do it well. No matter how good the theory is, it must be proven by practice."
"Okay, for the time being, we can only deal with the bank matter step by step, and let's see the actual results first. By the way, the Zhuhu in Youbei have another problem?"
Situ Liang said in a deep voice: "That's not true. Because of the establishment of Dingzhou, the Three Hus in Youbei are now under siege by our army. To the northwest are the Shiwei people, to the south are the three prefectures of Youbei and to the west.
It's Dingzhou. Although the Turks north of Bingzhou are raging in the north of Bingzhou, they have not yet entered the jurisdiction of our military."
"We have not faced off against the Turks in the west, so the Three Hus in Youbei naturally don't dare to act recklessly. The problem now is that the Beihai tribes, that is, General Li Muzhi, the commander-in-chief of the Beihai camp." Because Zhao Xun calls himself the Grand Governor, Beihai
The Duhufu was also abolished and renamed Beihai Camp. Li Muzhi, the former Grand Governor of Beihai Dufufu, was also appointed as the Commander-in-Chief of Beihai Camp and March, coordinating the military affairs of various ministries in Beihai.
"The tribes of Beihai? The tribes of Beihai have been divided into two, and they still have the energy to make trouble now?" Zhao Xun couldn't help but ask sideways, and he was also a little surprised by this. When Zhao Xun rose to power in the past, he stepped on the tribes of Beihai, that is,
One of them, King of the North Sea, started his career. Now that the King of the North Sea has been suppressed by the joint efforts of another department and Li Muzhi, he can no longer get up. How can he still have the energy to make a fuss?
Situ Liang smiled and said: "It's not that they want to be restless, it's just because we divided the original grassland where the Khitans lived into the five prefectures of Beiding, and now after reorganizing it into Dingzhou, we moved in a large number of Han people, and also granted the Khitans the status of Han people
.Nowadays, the living standards of these Khitan people are much better than before."
"Although we have not forced all Khitan people to change their Han names and Han household registrations, many ordinary herdsmen, especially those private slaves we liberated from the heads of various ministries, have joined the Han nationality and enjoyed some work and contributed to their work.
Preferential treatment from officials, even for Khitan people who have not changed their household registration
, life is still better than before. After all, they no longer need to worry about salt, food, heating, trading and winter. Therefore, those tribes in the North Sea that were originally suppressed by the King of the North Sea Chi Shu are determined to move closer to us.
The intention of the ministry is also to imitate the Khitans, classify them as Han territory and become Han nationality."
Zhao Xun understood as soon as he heard it and said: "The King of Beihai disagrees, and you are also worried that the Liaodong Kingdom and the Sumo Mohe tribe have doubts. Of course, the leaders of these tribes are also unwilling, so that's right!"
Situ Liang nodded and said: "That's true! It's better to accept it, and it's better not to accept it. This matter needs to be decided by the lord."
"What is your suggestion?" Zhao Xun did not answer directly, but asked instead.
Situ Liang said in a deep voice: "The Government Affairs Department and the Military Affairs Department both mean that we can win, but because of the war in Yanzhou, we don't know how big it will be, so...it's hard to say now."
Zhao Xun understood what the other party meant. Once he wanted to accept half of the territory and population of the Beihai tribes, it would not be an easy task. Not to mention all the complicated aftermath matters, he also had to use force to deal with the leaders of the various tribes and prevent the actions of the King of the North Sea.
, and even need to prevent abnormal reactions from the Liaodong Kingdom and the Sumo Mohe tribe. After all, the Xiaoguo Army is not
After swallowing half of one of the three divisions silently, it would be strange if they could still sit still. If they had not focused on dredging the river, the Xiaoguo Army could have fought on the north and south fronts. But now
, the Xiaoguo Army is not yet able to mobilize troops in large numbers, especially after accepting half of the tribes in Beihai, it has to take on complicated local arrangements.
It just so happens that the war in Yanzhou has just begun, and it seems that Situ Lei and Murong Cheng are involved. Civil and military officials under the governor's office also understand that Zhao Xun is still thinking about Yanzhou and wants to fight in the Yellow River
Open a gap to the south. Furthermore, the Heishui Mohe tribe to the north of the Sumo Mohe tribe in Liaodong is also an enemy. If it is not good, the Xiaoguo army will be dragged to the north line and will have no time to look south.
south.
After pondering for a moment, Zhao Xun said in a deep voice: "Those who are willing to be included in my Xiaoguo Army system are all ordinary herdsmen. Or are they private slaves? What is the reaction of the leaders and generals of each department?"
Situ Liang said: "Ordinary herdsmen and private slaves of various tribes naturally raised their hands in joy. In addition, some tribal leaders also expressed their willingness to surrender. As for the Beihai generals, I am afraid that if they really surrender or fight, they will not dare to do anything.
After all, the troops stationed in Beihai clearly told them what constitutes an elite."