Four hundred and sixtieth chapters grab money ticket number
Unknowingly, the carriage had already entered the palace.
After Chao Yong went to the harem to pay his respects to the Queen He, he came with the royal title of his personal soldiers.
Along the way, there was no need for soldiers to clear the way. When the people in the city saw the prince's honor guard, they respectfully made way for him. Although the roads on both sides of the royal road were not very wide, the people still squeezed on both sides willingly.
Fortunately, the Royal Ticket Office is right on the edge of the imperial road, not far from the palace, and Chao Yong and his party did not obstruct traffic for too long.
The main entrance to the ticket office has been closed, but there are still two ticket office guards in black standing at the side door.
You can enter the yard of the ticket number through the side door. During the day, cartloads of copper coins come in and out through the side door, and there is also a lot of traffic. But after the time of registration, no one dares to approach the side door.
Guards with cold faces will also drive away people who go the wrong way or try to peek. Nowadays, everyone knows that the Royal Ticket Number is organized by the prince, and no one dares to break into the Royal Ticket Number. Although it seems that the guards of the Royal Ticket Number are not.
strict.
Of course, the people respect the Royal Bank account more than fear it. The Royal Bank account earns one penny per month, which is an unprecedentedly low interest rate, much lower than Wang Anshi’s Qingmiao loan back then. Moreover, the bank account has always been regarded as
Merchant operations will not force people who don’t need them to take loans.
Daliang's young crops loan does not require interest, and the court cannot make a profit, which reduces the motivation of local officials to force wealthy people to borrow money. Even if some local officials force people to borrow money, the people will not suffer any loss. At most, they will eat the food distributed by the government.
When the harvest comes, just return the new grain.
It is not only businessmen who borrow money, but also some people who are in urgent need of money. In the past, a sudden illness may bankrupt a middle-class family, not only because of the high medical expenses, but also because there are only loan sharks in the world. Borrowing some turnover may end up
You are asked to sell your house, land, or even your son or daughter to pay it off. With the royal ticket number, they can use the house deed and land deed to borrow some money for emergencies, and the low interest rate allows them to pay it back slowly, and
It won't overwhelm them.
Even if they don’t need to use money, Royal Ticket Number can also allow their spare money to earn some interest. Although for most people, they don’t have much spare money in their hands and they don’t earn much interest, but they still save their money one by one.
. And these small amounts of money also have a greater effect on them.
After Chao Yong wiped out Xixia, not only ordinary people became accustomed to depositing money in the royal bank, but also large households began to deposit money in the royal bank. On the one hand, it was because there was no doubt that Daliang would dominate the world, and on the other hand,
After the news of the annihilation of Xixia came, Chao Gai announced a general amnesty for the whole country, so big households no longer had to worry about being liquidated at any time.
In fact, Chao Gai just found an excuse. After all, whether he was doing justice for heaven or killing corrupt officials, it was impossible to continue forever.
After the construction of Daliang, even big families who have done good deeds for generations have to live on tenterhooks. In this era, morality has not yet been corrupted. Many big families have benefited the countryside for generations. They usually build roads and bridges, and provide porridge and medicine when there is a famine. But big families mean people.
There are too many, and no one can guarantee that there will be no scum among them. Therefore, even well-known good people are always on tenterhooks, not knowing when they will be reported to the Yamen by others.
After Chao Gai reorganized the officialdom, officials continued to reflect on this situation. Of course, they did not intend to loosen the rope around their necks. After all, while the big households were on tenterhooks, they were also tossing and turning.
After Chao Gai and Wu Yong discussed it, they also felt that the fear that officials and wealthy households were living in had seriously affected society, so Chao Yong announced a general amnesty on the way back. All past sins were forgiven, but they would still be strictly enforced in the future.
law.
The amnesty was promulgated. The officials and wealthy households in the world were relieved, but they did not relax their vigilance. Instead, they continued to strictly require their family members not to do evil things and to do more good deeds. After several months of large-scale inspections, homes were confiscated and beheaded in various places.
More than half of the officials were wealthy people. They also saw that Liang had zero tolerance for the crimes committed by the powerful. After finally clearing away the sins of the past, no one was willing to put a noose around their necks.
Chao Yong went to the third floor in the courtyard at the back and saw Ren Jinnu already greeting him at the door.
"Welcome the prince."
"Bang"
Chao Yong entered the office with Ren Jinnu in his arms, kicked the door shut, picked up Ren Jinnu with his fingers, and said with a smile: "Are you waiting for me?"
Ren Jinnu looked at Chao Yong with dazzling eyes, and said coquettishly: "The slave family heard that the emperor and the prince were going to reward the three armies today, so they thought that the prince might come to find me. So I kept looking at the palace from the window. As soon as the prince left the palace, I
I saw it. Look, I have prepared tea for the prince."
Chao Yong also caught a glimpse of the tea on the table. His big hands got into the slit of the beam robe, caressed Ren Jinnu's buttocks, and said with a smile: "You don't want to follow me back to the palace, why are you preparing tea?"
"kindness"
Ren Jinnu moaned coquettishly, drew circles on Chao Yong's chest with his fingers, and said, "The slave family is going to report to the prince on the current status of the ticket account."
Chao Yong saw Ren Jinnu's behavior, picked up Ren Jinnu, and said with a smile: "It seems that you are holding back your nerves. I'll feed you first and then listen to the results of the ticket numbers."
"ah"
Ren Jinnu let out a sweet cry, and was placed on the desk by Chao Yong, who then pressed him down hard.
A cheerful sonata sounded in the room. I don’t know how long it took before the music ended, but people still hadn’t dispersed.
Chao Yong hugged Ren Jinnu and sat on the chair. While playing with Ren Jinnu's erect crotch, he said: "Now you can report on the current situation of the ticket number."
Ren Jinnu snuggled into Chao Yong's arms with a satisfied look on her face. She was extremely satisfied at this time. There were thirteen people in the palace who were pregnant, but she was not one of them. When the prince was away, she could only focus on the marriage.
Great achievements have been made in the expansion of the number, although it is mainly based on the prestige of the royal family.
However, her coordination is indispensable for the business to be carried out in an orderly manner. Therefore, as soon as the prince came back, she wanted to take credit. However, it was difficult for her to talk about the ticket number because the flowers were blooming yesterday, otherwise she would inevitably become the enemy of all the concubines.
After all, she was the only concubine in the palace who could go out to share the prince's worries.
But today, she expected the prince and the emperor to reward the three armies and would definitely return to the palace before evening. The palace was next to the ticket office, so she kept waiting for the prince to arrive. Even though the ticket office below had gone out of business, the supervisor had already compiled today's accounts.
After sorting it out, she still didn't return to the palace.
The prince did not let her wait in vain. Ren Jinnu did not want to be the general manager of the royal ticket account all the time, and she also knew that the prince would not always let her manage the ticket account. After all, she was the prince's concubine, and she could not always let her manage the ticket account every day.
She was out of the palace, and she couldn't show her face in public, which always restricted the development of some businesses. As long as the prince had someone suitable for him, that was the day she returned to the palace.
Ren Jinnu also knew that although her own appearance was very beautiful, it would not stand out in the palace where the flowers were blooming. When she returned to the palace, the prince might not be able to favor her as he did now. Therefore, she kept thinking about doing her best for the prince.
Giving birth to a child, the mother is more valuable than the son. This is always true in the royal family. As long as she can give birth to a prince for the prince, under her words and deeds, he will definitely become a pillar, and her status will be consolidated.
If there was no royal ticket number, she would definitely not be favored by the prince the day after his return. Therefore, Ren Jinnu was also very concerned about the work of the royal ticket number, unless she had better support.
When he heard the prince asked about the ticket number, Ren Jinnu ignored his weakness, opened the drawer, took out an account, and said with a smile: "This is the newly opened semicolons during this period. Now there are thirty in total."
There are three semicolons. Ten in Jingdong, ten in Hebei, ten in western Jing, and three in Shaanxi. After Shaanxi got the news that you wiped out Xixia, I
The layout has just begun, so it is a bit slow, but there are still seven semicolons in Shaanxi that are being prepared. They can be opened within half a month. Next are Gansu Road, Qinghai Road and Ningxia Road. Qinghai Road and Ningxia Road are both on the border.
The business at the border should be better. After all, there are many businessmen traveling between countries. It’s just a matter of safety that I don’t understand.”
Chao Yong was very satisfied when he heard that Ren Jinnu was making such rapid progress. He nodded and said: "Safety is not a problem. If anyone dares to invade my Daliang city, I will make them pay back ten times."
Listening to the prince's domineering answer, Ren Jinnu felt that his lower body was a little wet again, and said in a charming voice: "The slave family is going all out to prepare the semicolon of Gansu Road, Qinghai Road, and Ningxia Road. Some time ago, the Liao Kingdom also asked us to go
The invoice number was issued, but I didn’t dare to agree to it without the prince’s instructions. Besides, we still have many state capitals in the country that don’t have semicolons.”
Chao Yong asked curiously: "Who is coming from the Liao Kingdom?"
"Yelü Dashi, I heard that he was born in the royal family of the Liao Kingdom and was the number one scholar in the Liao Kingdom. As an envoy of the Liao Kingdom, he came to Daliang to ask for peace, but the emperor did not agree. He came here to see me and said that we could go to Liao Kingdom.
Invoicing number, the Liao Kingdom provided us with housing and payment
For safety, he can also recommend the Liao nobles and businessmen to our bank. The operation of the bank is so simple, they can do it themselves, but they came to take advantage of us. Although they did not say that they would ask me to promote peace,
But I still didn’t dare to agree to him.”
Chao Yong did not expect that the envoy from the Liao Kingdom was actually an old acquaintance of his. It can be said that he and Yelu Dashi had an alliance. The Liao Kingdom sold the war horses to Liangshan, and Liangshan was responsible for containing the Song Dynasty. But after Liangshan destroyed the Song Dynasty, Yelu Dashi
Whether voluntarily or forced, Dashi betrayed the alliance and led his troops to invade Hebei southward. As a result, he was attacked head-on by Chao Yong and Yelu Dashi was captured alive. If the Liao Kingdom had not paid the ransom, Yelu Dashi would have been dead.
In any case, after a fight, the friendship between the two was gone.
"He can't do it himself, not even the emperor of Liao can do it."
Ren Jinnu puzzled: "Why, the principle of the ticket number is very simple. It collects everyone's money at low interest rates, and then releases it at high interest rates."
Chao Yong shook his head and said: "The reason is very simple, but the powerful people all over the world are lending money at high interest rates. Opening a bank is to rob all the rich people's money. The emperor of Liao is no match for the powerful people of Liao. If I didn't have the military power in my hands, Daliang would have lost his money."
It had just been established, and the royal bank account could not be maintained. Wang Anshi was so strong back then, but when the Qingmiao Loan came out, he offended the world's powerful people, and his reforms did not last long."
Ren Jinnu nodded and said: "The prince is wise, Daliang is newly built, most of the dignitaries in the court are from rough backgrounds, and the ticket numbers will not affect their interests. If Daliang has been passed down for several generations, these powerful people are entangled, and if they want to issue ticket numbers, I am afraid they will also
They will jump out and object."
Chao Yong touched Ren Jinnu's silk-smooth skin and nodded: "Smart, change the dynasty, and everything is waiting for improvement. It is a good time to carry out drastic reforms. Otherwise, once the new rich in the dynasty pass down the family for several generations, they will also become resistance to the reform.
.So I can open this ticket number, but the Emperor of Liao cannot open it. If I open it, no one of my generals will rebel, but if he opens it, all his generals will rebel."
Although Chao Yong said it was easy, Ren Jinnu also knew that things were not that simple. Although the people who changed dynasties every time were heroes of the time, these founding emperors did not dare to carry out drastic reforms, but wanted to let the two people go as smoothly as possible.
Dynasties are excessive.
Only an unprecedented hero like the prince dares to overthrow all the old rules, ignore the world's powerful people, and establish the dynasty he wants.
Even though tens of thousands of people are coming to me, what a spirit of spirit this is.
Thinking of this, Ren Jinnu was completely wet. He lay on the desk, raised his perky buttocks, and said in a charming voice: "Prince, fuck me."
"Little bitch."
Chao Yong didn't know what was wrong with Ren Jinnu, but when he saw Ren Jinnu turned his head and showed a flirtatious expression, he was not polite, stood up, aimed at that small area, and slammed into it.
"ah……"
Chao Yong gave Ren Jinnu a hard lesson for a while, but later on, Ren Jinnu couldn't hold himself down anymore. He could only be pinned down on the desk by Chao Yong and whipped to his heart's content.
"The prince is so overbearing, the slave family is going to die."
She kept letting Jin slave for a long time, and when Chao Yong vented his anger, her voice became a little hoarse.
Ren Jinnu saw the tea next to him and asked, "Prince, do you want some tea?"
Chao Yong shook his head and said, "No need."
When Ren Jinnu heard that Chao Yong didn't want it, he was no longer polite. He picked up the tea cup and started drinking.
The tea in the cup had long since gone cold, but Ren Jinnu felt that the cold tea could not suppress her fiery passion. If it were not for her general weakness, she would be willing to love the prince until eternity.
After drinking a cup of tea, Ren Jinnu felt his voice was better and said lazily: "Where did you just say?"
Chao Yong smiled and said: "I told you that Yelu Dashi from the Liao Kingdom came to look for you."
Ren Jinnu nodded and said, "Well, he didn't just come to see me. I heard that he visited all the dignitaries in the city, but no one dared to accept his gift."
Chao Yong smiled and said, "You know all this?"
Ren Jinnu hurriedly said: "It's not that the slave family wants to spy on political affairs. The tabloids have published these things, and the people in the city are also talking about it."
Chao Yong thought for a while and then smiled and said: "It's rare that the Central Plains can make the Liao Kingdom surrender, and the people will naturally be happy. The tabloid publishing these things is also a big selling point. If you agree to go to the Liao Kingdom to open a semicolon, I'm afraid the dignitaries in the city will immediately
Hui accepted the gift from Yelu Dashi and began to support the peace negotiation between the two countries in the court."
Ren Jinnu thought for a moment, then understood, and nodded: "Yelü Dashi wanted to use the prince's power to reach a peace agreement, but unfortunately I didn't dare to make the decision, and no officials in the city dared to step forward, so he could only go back in embarrassment.
"
Chao Yong smiled and said: "You did a good job this time. Let's not talk about him. The Liao Kingdom is already declining. Even if I don't send troops to attack Daliang, the Liao Kingdom will not be able to sustain it for a few more years. Let's talk about our ticket number, San
Do the thirteen branches have general ledgers now?"
Ren Jinnu turned to the last page of the account and said: "Our delivery system is still being established, and now there is a lag of ten days in delivering accounts with semi-colonies from farther away. As of today, I have received all accounts, and all ticket numbers have deposits of two
Eighteen million guan, and 26 million guan were loaned. Among them, the household department deposited 10 million guan, and the rest was deposited by the common people. Even after excluding various expenses, we can earn nearly 200,000 guan a month.
, that’s more than two million yuan a year, and we only opened semicolons on three roads."
Although there is still a big gap between the number and the number in Chao Yong's mind, Chao Yong is still very surprised. After all, he is thinking about the number after spreading out to all states in the country.
"Why did you lend out so much?"
Ren Jinnu smiled and said: "The imperial court is currently selling properties confiscated by various states and some large pieces of land, attracting many large households and businessmen to borrow money to purchase."
Most of the officials from various places that Daliang beheaded were dignitaries from the Song Dynasty, and their properties and land were undoubtedly the best in the area.
In the Song Dynasty, contiguous land was extremely scarce. The Song Dynasty did not suppress land annexation, resulting in frequent changes in land owners. There is a saying that there are 800 owners of land in a thousand years. Land owners changed quickly, and large tracts of land were often divided and sold to many people, which made it easy for large families to
It’s not easy to buy all the fields. The land that can be connected into one piece is except the one drawn on the map where the farmland is expanded.
Huanhuan is the real home of the rich and powerful. No matter how many owners there are on a piece of land, they can always buy it all without being blackmailed. Of course, the things in the hands of these two are not something that ordinary wealthy people can covet. Now Daliang takes
The big families were naturally very tempted by the release of these lands, and they did not hesitate to borrow money to buy these things that they could not buy in the past.
The imperial court fully expanded the sales homes, residential homes, Anjiyuan, and Luzeyuan. In addition to this year's natural disasters and military disasters, the imperial court spent a lot of money. Moreover, the imperial court did not have the manpower to manage the large number of confiscated properties. Therefore, Chao Gai and
After everyone discussed it, they decided to sell most of the properties and a small part of the land, both to enrich the national treasury and to reduce the burden of government management.
Chao Yong nodded and said: "I see, but these incomes cannot last long. We have to speed up the establishment of semicolons in order to stabilize the income of ticket accounts."
Ren Jinnu said: "Now that the crown prince is at the height of his power, it is very easy to open a semicolon. It's just that we don't have enough manpower. Half of the maids trained in the palace have been used. If we want to open semicolons in all the state capitals, just the palace's maids
There are obviously not enough people.”
Chao Yong smiled and said: "If there are not enough people in the palace, we will recruit people from outside. Later, you can recruit a group of literate people and train them for a period of time, and then they can be used."
Ren Jinnu was born in a merchant family, so she naturally knew that many shopkeepers were hired. She had already had this idea, but she didn't dare to do it without the prince's approval. Now that she heard the prince's consent, she said happily: "That's easy to do.
Yes, I will definitely let all the state capitals in the world have my royal ticket number as soon as possible."