Zhang Yue said to Li Xian: "In my city, Yi Sizhong, except for the tea, salt and wine sales, the rest are all left to the private sector, and the government never interferes."
Li Xian understood that tea, salt, and wine were subject to official discussion, while other goods were subject to public discussion.
Zhang Yue said: "Tea comes from Sichuan. The Transportation Department has a tea shop in Qinzhou. In addition to Jiezhou soil salt, Minzhou, Tongyuan Army's well salt, and Jiezhou cliff salt, the most common salt is Jiezhou salt."
Salt. In addition, there is also a wine business in the market."
Tea, salt, and wine are sold by the government and are monopolized by the government. In this regard, Zhang Yue used Wang Anshi's market transaction law to exclusively purchase tea, wine, and salt from Qinfeng Road, Sichuan, and Yongxingjun.
Monopoly. If these three items enter the market, they will be purchased by the market and trade department, and then sold to merchants in the market to earn interest rates.
But for the other three items besides tea, salt, and wine, Shiyi will only have a bottom-line price to prevent the other party from making a wasted trip, and will not interfere.
For example, when more than 100,000 kilograms of frankincense were sold in Khotan at one time, local merchants were unwilling to charge or pushed the price to a price that was not even enough for travel expenses. At this time, in order to prevent the Tibetan merchants from losing money, the City Yisi came forward to underwrite the purchase.
Acquisitions are generally the responsibility of the Yaren, who are responsible for estimating the price of an acquisition. If they are unable to sell in the future, or suffer losses from the acquisition, the Yaren will be fined, downgraded, or deprived of their qualifications.
Of course, if you make a profit by buying and selling it to the market, you will also get a good commission.
Zhang Yue divided Ya people into nine levels, arranged from low to high. Different levels enjoy a commission ratio or funds authorized by the City Yi Division, as well as annual dividends from the City Yi Division. Of course, this idea comes from
At a well-known investment company in later generations.
Li Xian had a great understanding after hearing Zhang Yue's methods.
Among them, the most powerful commission bonus and promotion system prevent the other party from cheating. This is an accurate grasp of human nature.
Li Xiandao: "Nowadays, the City Yi Law has been criticized a lot in the court. The Yi Bureau of Beijing City is just thinking of various ways to release interest money and profit from it, but it has forced many small merchants to have no livelihood. Why don't the commander-in-chief propose this idea?
What about my husband?"
Zhang Yue said to Li Xian: "It's difficult. My method of market change is to make money without accumulation, while my husband's method of market change is to make profits. I heard that the Yisi of Bianjing City alone collects nearly 100 yuan in interest per year."
Wan Guan, how can such a huge profit be compared to my trivial method?"
"Hey!" Li Xian sighed deeply.
Li Xian was previously in charge of the Imperial City Department and specialized in spying on intelligence in the capital. He was fully aware of the people's criticism of the city's Yifa.
At that time, Wang Anshi appointed Lu Jia to be in charge of the City's Yi Division. Lu Jia was eager for quick success and quick profit. The biggest problem when he was managing the City's Yi Division was forced buying and selling by the government.
The original intention of the Market Change Law was to crack down on large-scale mergers and acquisitions. As a result, in order to make profits, even the middle class and ordinary traders were deprived of food. In the end, the government itself became the largest mergers and acquisitions.
In the Song Dynasty, it was only wine, salt, and tea that were subject to official scrutiny. Once the Yisi was established, all department stores were subject to official scrutiny. The result of the government's monopoly was that prices were extremely high.
But what can Zhang Yue say now? He made a compromise with Wang Anshi before, agreeing not to criticize the Market Change Law and the Young Crops Law. On this point, he still has to be trustworthy.
However, when Li Xian came to the Qing and Tang Dynasties, he saw an unusual scene. When he arrived in Xizhou City, Yisi not only had Yaren intermediaries, but also a government-run Jieku and Qiku.
This made Li Xian very puzzled. Except for wine, tea, and salt, Zhang Yue had always been an official camp without an official camp. How come he was an official camp in the warehouse.
Li Xian arrived at the Treasury of the City Yi Division and saw an official waiting here. It was Cai Jing, Zhang Yue's aide.
The Jiezhi Library in Yisi City is also very interesting. After walking through the gate, there are two doors, one on the left and one on the right. The left door has the word "Qi" written on it, and the right door has the word "Na" written on it.
Cai Jing said to Li Xian: "Anything such as gold, silver, pearls, jade, and even acres of land can be deposited in the treasury, and the salt banknotes can be exchanged for about 10% or 20 percent profit. As for the treasury, the salt banknotes can be deposited and withdrawn from the treasury for about 10%.
Take two or three cents of interest.”
Li Xian was surprised when he heard this and asked: "If you deposit and withdraw salt banknotes without charging a handling fee, can you still earn interest?"
Cai Jingdao: "That's true. The subtlety lies in the fact that the salt banknotes kept by the people in the treasury can be loaned to the people in the treasury to obtain profits."
Li Xian was greatly puzzled by Zhang Yue's method.
Not long ago, Wang Anshi reported to the Emperor that there were many surnames in the capital, so it seems that the effect of market changes in promoting mergers can be seen (it was actually said in the eighth year of Xining).
What Wang Anshi meant by this sentence is that once the Market Change Law was implemented, the wealthy people in Bianjing were no longer able to do business, so they all opened quality warehouses. This shows that the Market Change Law is very good.
The emperor replied that no one is poor and good, but this is difficult. The emperor said that it would be best if you urge annexation and achieve equalization so that there are no poor people among the people, but this may not be easy.
Wang Anshi believed that the Qingmiao method could replace the quality warehouse, but Zhang Yue insisted on opening a government-run quality warehouse.
The interest rate of this treasury is not high, which is very different from the private profit of 40%. In theory, it should be difficult to make a profit. However, it is not your own money that is used to run the treasury, but the salt banknotes stored in the treasury by ordinary merchants. From the middle
The interest difference is converted into profit.
Li Xian seemed to understand something and asked, "Commander, can you elaborate?"
Zhang Yue said to Li Xian: "When I saw Wang Xianggong, he said repeatedly that the imperial court should break the annexation in order to break the benefits of land rent rather than the benefits of merchants."
For example, a Han farmer in Xizhou rented several hectares of land from the landlord and hired several Tibetan people who did not understand farming to work on the land.
The landlords received land rent, the Tibetan people received wages, and the Han farmers received profits after deducting costs.
It's like a piece of cake. Landlords, Tibetan people, Hannong people, and three people share it. Who among them puts in the least physical and intellectual work but earns the most?
Even if you work hard as a laborer, you can earn 3,000 yuan a month, and if you put one million in the bank, you can earn 3,000 yuan a month.
In the Song Dynasty, ordinary people had a monthly income of three guan, and private loans were calculated as four-cent interest, and one hundred guan would be enough to win. Today, the equivalent of an interest of 100,000 yuan is more than a person with a monthly income of 3,000 yuan.
From ancient times to the present, the rich are getting richer and the poor are getting poorer.
The landowners have no place to stand, and the poor have no place to stand.
Therefore, the ideal way to divide the pie is to distribute the landlord’s land rent income to Han farmers and Tibetan people, rather than reducing the share of Han farmers and Tibetan people.
Zhang Yue said to Li Xian: "The green crop law destroys the benefits of land rent, but its disadvantage is that it is forcibly apportioned. The market change law destroys the benefits of merchants, and its disadvantage is that it is forcibly apportioned. My pledge lies in the government-run and commercial enterprises, regardless of the two.
It has disadvantages, but it has the effect of both.”
Li Xiandao: "That's it."
After seeing the market changes in the market, Li Xian felt that the trip was worthwhile. Zhang Yue said: "I have three policies during the Qing Dynasty and the Tang Dynasty: cultivating fields, cultivating goods, and integrating Tibetan and Han Dynasties."
In other words, it is the three strategies of farming, trade and Sinicization.
Zhang Yue said to Li Xian: "Now I want to facilitate business. Zifan, do you think there is anything I haven't done enough?"
Li Xiandao: "Our family thought we could ban smuggling!"
Zhang Yue said: "Nowadays, one smuggling is in the private market of border residents, and the other is smuggling in the military trade. Which one do you think is prohibited?"
Li Xian thought for a while and said: "Forbidden Huiyi!"