In the Song Dynasty, there was no law or order.

Outside the Guanjia Palace, the emperor and his ministers of the Song Dynasty were numbed by Zhao Jun's words.

Although Zhao Jun's words were relatively simple, there were still many financial terms and concepts that they did not understand, so they were still confused.

But this did not prevent them from feeling that Zhao Jun's words were profound and seemed to be able to solve the current dilemma.

Therefore, everyone stretched their necks and wanted to continue listening.

Seeing that Zhao Jun was getting carried away, Yan Shu hurriedly turned back to the main topic and said, "Jiaozi sounds like a good thing that benefits the country and the people. Why not let ordinary people use Jiaozi? If everyone deposits money in money houses, wouldn't the country have a lot of money to use?"

"Because of the poor execution and corrupt officials in the Song Dynasty, if the money houses were fully opened to allow people to deposit money, there would be countless cases of corruption and excessive issuance."

Zhao Jun said, "By then, Jiaozi will not only not benefit the financial system of the Song Dynasty, but it may also directly cause serious consequences, just like the period of Song Huizong, accelerating the demise of the Northern Song Dynasty."

"I don't quite understand, can you explain it in detail, Mr. Zhao?"

"It's very simple. The corruption of the middle and lower classes in the Song Dynasty was quite serious. When people went to the bank to deposit money, they suddenly had such a large amount of money in their hands. Those officials were very likely to... They could have directly misappropriated the bank's money for corruption, or used it to lend at high interest rates to squeeze the lower classes."

"What if the Song Dynasty government strictly supervised it?"

"Strict supervision may not be enough. Moreover, even if it can prevent corruption, can the Song Dynasty government solve the management problems caused by millions of people depositing money at the same time?"

"Management problems? Are there any management problems with the money being placed in the warehouse?"

"Management problems are not just about putting money in the warehouse, but also about anti-counterfeiting, forgery, and statistics. These are not so easy to solve. Uncle Lari, think about it. If people all over the country forged Jiaozi to withdraw money from the bank, the Song Dynasty would lose a lot of money."

"Okay."

Yan Shu scratched his head. He actually didn't understand some things. After all, finance did not have a special discipline in ancient times, and there was no systematic organization and classification. Even the smartest people could not understand it all at once.

"In addition, if this thing is promoted nationwide, the scale will be very large, and various problems will be exposed one by one. We have a saying that any small matter will become a big matter when placed on a population of 1.4 billion. The same is true for Jiaozi.

Zhao Jun continued: "If Jiaozi is only spread in the main commercial and economic cities of the Song Dynasty, mainly facing big businessmen and helping them solve their difficulties, it is equivalent to a pilot. Then the impact and exposure of the problems will be much less, and it will be easier to supervise. For example, the problem of anti-counterfeiting and counterfeiting can basically be solved. "

"How to solve it?"

Yan Shu asked again.

Zhao Jun explained: "Big businessmen definitely don't save one or two strings of money. A silver note may be tens, hundreds, or even thousands of strings. The real silver notes made with such a large amount of money are not only owned by merchants, but also by Jiaozi shops across the country. For example, if Jiaozi shops were opened in ten cities in the Song Dynasty, then these ten cities plus the national treasury must have ticket stubs. Where the big businessmen go to withdraw money, they must report to the national treasury, and the money will be destroyed after it is withdrawn. "

"That's not right. ”

Sheng Du had reformed the salt law and made certain contributions to the economy, so he was keenly aware of a problem and immediately said: "If there are ticket stubs in ten cities, what should merchants do when they withdraw money everywhere?"

"This problem is easy to solve. First, if merchants want to withdraw money, they must report it in advance and tell the government what they want to do with the money. For example, if a merchant in a certain place wants to go to another place to buy goods and transport them back, then he must report to the government before leaving, and he can withdraw the money at the destination. The government has enough time to check and destroy all the silver bills, and can also prepare enough coins for him in time. "

Zhao Jun said: "Second, the selected merchants must have wealth, and they must be top-level merchants with a large number of industries under their names and families. If such merchants want to take advantage of loopholes and are caught by the Song Dynasty court, there will be sufficient reasons to confiscate their homes and exterminate their clans, and directly use their property to fill the treasury. ”

It is not easy to ensure safety when opening a Jiaozi shop. The method Zhao Jun mentioned does have loopholes.

Because doing business in ancient times was actually quite difficult, mainly due to transportation problems.

Merchants traveled abroad, and in the final analysis, they transported local specialties to other places, and then brought the foreign specialties back to their hometowns, thereby earning the difference in the middle.

If it was a large transaction, the merchant had to carry a huge amount of copper coins and cash, and traveled across the country by water through the canal, which required a lot of manpower and material costs such as fleets, guards, and porters.

Sometimes the weight of the purchased goods, such as silk, gold and silver wares and other expensive luxury goods, even The copper coins and cash that are not carried are heavy.

The emergence of Jiaozi shops solved the problem of merchants needing to carry a large amount of copper coins and cash.

Merchants can deposit money in place A and withdraw money in place B when doing business in the future, saving the cost of carrying copper coins and cash and the cost of transportation when going out.

However, the information flow was not developed in ancient times. Can merchants deposit money in place A and withdraw money multiple times in places B, C, D, etc.?

In theory, it is feasible.

But reporting in advance and selecting merchants solve this problem.

Merchants must report in advance to withdraw money, tell the government where they are going to do business and how much money they want to withdraw, and then they can set off to place B.

The time he traveled from place A to place B was the time when the government received the report and then sent people to notify Jiaozipu in various places to start destroying the remaining ticket stubs except for place B.

At the same time, if place B does not have that much cash temporarily, it can also use this time to withdraw it from other places.

When the merchant arrives at Place B and connects with the Jiaozi Shop in Place B, he can only withdraw the money at Place B, and the ticket stubs in other places have been destroyed.

Moreover, small and medium-sized businessmen are not qualified to save money to enter Jiaozipu. Only top businessmen are qualified. Once a businessman does this kind of thing, the court can confiscate their homes and exterminate their families, directly draining their wealth.

Although the national conditions are different, to use an analogy, it is equivalent to opening a top big bank in modern China. Only listed companies with good operations and a large number of real industries can be selected to deposit money. Once the listed company wants to take advantage of the loopholes, the company and industry I'll confiscate it all to you, that's probably what it means.

"I see."

Now everyone understood, and Yan Shu immediately boasted: "Teacher Zhao is really a literary star."

As he spoke, he also winked at Lu Yijian King Zeng Fan Zhongyan and others.

Lu Yijian was very smart and immediately followed up: "There is no one as smart as Teacher Zhao in our village."

"The village is too remote, and it's not easy to go down the mountain. When they are bored, the old people in the village like to read some miscellaneous ancient books, but they can't understand them and don't know what they say. Now that the teacher comes, they know that history is so interesting. "

"It would be great if my children were half as smart as Teacher Zhao."

"With an outstanding talent like Teacher Zhao teaching in the future, I guarantee that there will be a college student in our village in the future."

Everyone also came to their senses and praised him one after another.

After listening to Zhao Jun speak for so long, everyone naturally knew some modern vocabulary, and each one of them blew Zhao Jun to the sky.

Zhao Jun was happy in his heart, but he still waved his hands modestly and said: "Oh, it's just so-so. Village chief and party secretary, you praise me to the point where I'm embarrassed."

He said this in his mouth, but everyone could see that the corner of his mouth was grinning like a flower, and he was so happy that it reached the back of his head.

After all, this can be considered a kind of pretense.

When he was in school, everyone was a top student from all over the country who got into the National People's Congress with high scores. Many of them were even top scorers in a certain county or city. Their levels were about the same and they couldn't pretend to be good.

But now, as the proud son of the National People's Congress, he has come to a poor mountainous area where he loves history, showing off his knowledge in front of everyone, and pretending to be cool is naturally different.

As a contemporary post-2000 college student with a clear and stupid mind, Zhao Jun likes the shocked look on the faces of these people who have never seen the world.

The main reason is that the situation is different.

When he first came to this small mountain village, he was filled with fear because of his unfamiliarity with the place, his blindness, and his injuries.

So at that time, Zhao Jun was more cautious in what he said, very cautious and did not dare to be too presumptuous.

But now he has been here for almost a month, and he is very familiar with Yan Shu and Fan Zhongyan. Although the people in the village just met today, with acquaintances around, he feels less scrupulous about speaking and feels more relaxed.

Everyone complimented for a while, and then Yan Shu asked another question.

Taking advantage of Zhao Jun's attention, Zhao Zhen, Lu Yijian and others looked at each other, exchanged glances, and then left and went to Guanjia Hall to whisper.

"Did you understand what he said?"

Entering the main hall, Zhao Zhen glanced at Zhao Jun who was sitting on a recliner under the corridor outside the main hall from a distance of more than 20 meters, and asked several prime ministers.

Sheng Du cupped his hands and said, "Guan, I understand what Zhao Jun said, but after the eight years of Zhenzong Dazhong Xiangfu, the Jiaozi jointly made by the sixteen merchants in Chengdu Prefecture was overthrown, and the imperial court did not dare to open the door to Jiaozi." The reason for the proper management of the Zipu and Ziwu is that there are many things involved, and it is by no means as simple as Zhao Jun said. "

"Um."

Zhao Zhen nodded.

Sheng Du continued: "This Jiaozi is of great importance. There are many problems, such as printing too much and printing too little, preventing counterfeiting and theft, exchange and settlement, preserving reserves, etc. After all, this thing is endorsed by the credit of the imperial court. If you are not careful, the imperial court will If the credibility is destroyed, the cross-citation method will be more likely to fail.”

Lu Yijian also said: "This matter still needs to be discussed more. Zhao Jun cannot just say whatever he says. He does not understand the national conditions of our Song Dynasty. If we blindly believe him, as he said, it may accelerate the demise of our Song Dynasty."

Wang Zeng objected and said: "Guan Jian, Zhao Jun's method sounds reasonable, and many of the relationships and interests in it have been explained. Why doesn't it work?"

"It might work, but it's our first time doing it and we have no experience. Will there be any problems if we act recklessly like this?"

"I think what Zhao Jun said is true. We can try opening a Jiaozi shop in Bianliang first."

"Guan family, I agree to open a trial."

Cai Qi supported Wang Zeng, and Song Shou supported Lu Yijian. The two sides were tit for tat.

"okay."

Zhao Zhen interrupted their fight and said: "Open a Jiaozi shop in Bianliang. It is connected to Yizhou Jiaoziwu in Chengdu. From now on, merchants traveling from Bianliang to Chengdu can use Jiaozi banknotes. Let's press the button first. Zhao Jun said give it a try and stop if there is an accident in the future. Anyway, Zhao Jun's eyes will recover soon, so what are you afraid of?"

Lu Yijian and Song Shou looked at each other, but they didn't expect the officials to be much more courageous. In the past, when the two factions quarreled, the officials were hesitant and unable to make a decision, but now they are so decisive.

It seems that Zhao Jun's appearance did give the emperor some small shock and also inspired him a lot, but I don't know whether this is a good thing or a bad thing.