The Struggle of the Reborn Prince

Zhao Jie's suggestion on establishing a cabinet shop was quickly responded by everyone, because Shengzi Getang fully met the conditions for opening a cabinet shop. In terms of credibility, from the original Shengdetang and Shengyitang, they focused on fair transactions, honest management, and good business.

It has a reputation everywhere; in terms of funds, the accumulated money has now accumulated tens of millions, most of which are idle in the vault for emergency response, and now the annual income is enough to cope with various expenses and has a surplus, which can be said to be a strong capital.

In addition, there are several advantages. In more than ten years, Zhutang has built a large number of residences and shops in various places. It has formed a commercial network with Bianjing, Taiyuan and Hangzhou as the center, surrounding Zhuzhou Prefectures as the backbone, and radiating to military counties.

.And after being trained by various shops and schools, there are also a group of their own economic management personnel. They can deal with such things. There is still an advantage that no one has clearly stated, that is, Prince Yan’s brand is the backing, and

There is also a tiger and wolf army that has never been defeated before, and no one dares to make trouble?

"I am still a little worried. If we build a cabinet covering all regions, we will inevitably use huge reserves of funds. Once an emergency occurs, it will be difficult to raise a large amount of funds for a while, which will cause it to be caught off guard?" Zhao Qi thought for a while and then

Asked, he knew that the good days of the Song Dynasty were about to end, and he invested a lot of money to build a cabinet shop. When encountering turmoil, the funds could not be recovered, which made the matter misleading. He had to be more careful.

"Prince, we don't have to spread that big surface. We just need to set up a cabinet in various prefectures. In some areas with developed commercial areas, we only consider the prefecture and county level. However, the cabinets will collect money first and then do business.

How much money does it need to be occupied? Even if there is a run, it will not be a mistake to allocate from the neighborhood!" Zhang Que replied.

"Well, it's good to have the idea of ​​pointing to the surface!" Zhao Qiong nodded and praised, and then asked another question, "But there is another question that needs to be paid attention to, because our cabinet shop faces the whole country, and the exchange ratios of each channel are different.

, and the changes are fast. Once the calculation is wrong, we will not only not be able to make money, but also have to lose capital!"

Zhao Xiao knew that the currency values ​​of countries in previous lives were also different, and international trade was mostly calculated based on the US dollar. Although Song Dynasty was founded for a hundred years and was a highly centralized feudal autocratic country, the national currency was not unified, and there were several currency areas, and each of them was in charge of their own affairs.

, each other is not common. At that time, there were thirteen roads dedicated copper coins, among which the roads dedicated iron coins were used. In Shaanxi and Hedong, copper and iron coins were used together, and currency outflow was strictly prohibited in various currency areas. This led to confusion in the use of currency, such as a copper coins could be exchanged for ten irons.

Money, and iron coins can be divided into sizes, one is ten and one is five. It is not only the official ticket issued by the state, Huizi, and it also has different values ​​in various places. To achieve national exchange, a calculation is needed.

standard.

"The prince is very considerate. Even if it is a place, the exchange standards between each industry are not unified. If it is not done well, it will really lead to a loss!" Zhang Que nodded.

"Prince, can we consider independent accounting in each way so that it can be avoided?" Zhao Zhi thought for a while.

"No, doing business means earning the difference between goods. If you exchange it only depends on one place, wouldn't it lose its meaning!" Zhao Qiong denied Zhao Zhi's suggestion. His idea was to establish a nationwide deposit and exchange.

Money houses cannot be limited to one place.

"Prince, how about the settlement based on the price of gold and silver?" Zhao Zhi said again. In order to ensure that each ministries could buy grain on the spot during the Western Expedition, the prince once proposed to distribute certain gold and silver to each ministries for their own use. Although these things are still the same

It cannot be used as a currency, but its value is recognized by all regions.

"Well, this idea is OK!" Zhao Qiong nodded. The currencies in his previous life were all based on the gold standard, and gold was also the best reserve currency.

"Okay, it's just that the amount of gold is small, while the amount of silver is large. The cabinets and shops in our places are settled based on the silver price. However, the distance between the places is relatively far, and information is needed to be communicated to make it work!" Wei Bochu also felt that it was feasible, but

He also thought of a difficulty. The silver prices in different places are also different. When redeeming, you have to refer to the price of the destination, and information transmission has become the biggest difficulty in front of you.

"Wei Yanjian, this is easy to say. There are channels for transmission between our churches!" Zhang Que said with a smile. In fact, this difficulty is not a big problem for them. At the beginning of the establishment of the caravan, he was responsible for collecting commercial and military information from all over the country.

The greatest value of intelligence lies in time, so a complete information transmission channel was established through various means. Now, if something big happens in the southeast, it can be transmitted to the prince in only two days at most.

Just do it easily.

"Prince, since we want to gain a foothold in the northwest, the business of the gilber shop should be different from that in other places!" Wei Bochu had been in the officialdom for most of his life and was in the top management. How could he not see what Zhao Qi did in the northwest?

In order to consolidate one's foundation, he made another suggestion.

"Mr. Wei, please speak!" Zhao Qi was a little excited today. The wish he had been brewing for many years might be realized in this bumpy carriage. He said with a smile.

"Your Majesty, although you are famous, after all, the days are short. The business of Xiaguan Xiangguifang lending should be small and short-term to reduce risks in other fields; and the loans operated in Northwest Third Road can be done in some ways.

Credit loans, mortgage loans, large loans, etc. The main targets of the loan should be those businesses, which can attract merchants from all over the world to the northwest. This will not only prosper the northwest, but also increase taxes!" Zhang Que, on Wei Bochu's evaluation of the prince,

Everyone showed dissatisfaction, but Wei Bochu took a sip of tea as if he hadn't seen it and said, "We raise funds to merchants, adjust positions, and settle accounts through deposits, releases, and publishes posts and exchanges.

By allowing it to be flexible and continuous operation, it will have a closer relationship with us, which can also become an important means for us to control the business community in the northwest!”

"Very good!" Zhao Qi couldn't help but exclaim. Only those who use the cabinet shop to pull and fight merchants can think of this way of using it to attack merchants, who are both economic and political. Seeing that the prince applauded, Zhang Que and others could think of it.

It is not easy for people to attack again, and they smiled and agreed and said yes.

"I can also leave the "green seedling money" to our cabinet shop to do it, lending low interest rates to farmers or prepaying grain payments, which can ensure that farmers sow spring and autumn harvests, and the government can collect taxes, and we can also

Get the surplus grain from farmers and establish a stable grain purchase channel to control the price of grain, master the grain resources, and avoid the difficulties of this year again!" Zhao Qiong added.

"The prince is indeed a plan to benefit the people. Wang Jinggong's measure was originally intended to curb annexation and to save the people when the Qinghuang was not in the process, but the actual implementation was too urgent to deviate. Local officials forced the people to borrow from the government and raised interest rates at will.

In addition, in order to seek credit, officials also had a lot of blackmail, which made the people suffer. As a result, Qingmiao money became a harsh policy of government tying usury and collecting interest. Sima Gong was ethical and ruled the world without practice.

Instead of continuing the improvement, it was light and abolished. Therefore, later generations only knew the defeat of Qingmiao, and no longer observed the beauty of Qingmiao. If the prince could implement it with a dedicated person, he would definitely be able to achieve miraculous results!" Wei Bochu said with emotion, he was once a witness

Of course, I know the pros and cons.

"We can also use this to absorb deposits from farmers, and we can pay the interest without rent. We will then use the money to borrow money from merchants. In this way, we can also make profits. I think we can also try it, after all, sand is accumulated into a tower.

Those small money is not a small amount when it is concentrated!" Zhao Qi put forward new suggestions. In fact, this is a common practice in later generations, but now it is a bit alternative to paying interest without charging money.

"The prince's method is feasible. It seems to be at a disadvantage. In fact, it can not only attract farmers to deposit, but also do not need to occupy a large amount of our funds. It is really a good idea to benefit from both sides!" Zhang Quemei said with a smile. He is now very convinced by the prince.

.

"In that case, can I set up a cabinet in the army to absorb the deposits of the soldiers, and then transfer them to your cabinet to lend money!" Zhao Zhi interrupted.

"Of course, this will not only make it easier for the soldiers to send their salaries to their families, but also make profits. Why can't it be done?" Zhang Que seemed to have opened his cabinet shop and immediately attracted the first big customer. He knew that the loyal and brave army had already started.

Everyone takes advantage of the money.

"Hehe, then I'll buy one too. I'll save so much money to put it in Curry and I can still earn some pocket money!" Jianxi said and got into the fun.

"Mr. Wei, now our salt business has basically been launched. Do you think you can consider issuing salt turbulence in the name of our Shenghetang?" Zhao Qi shook his head. Why have these guys turned into money skewers, and asked with a wry smile.

Wei Bochudao.

Zhao Qi thought that if the emergence of "silver notes" was not accidental, it was an inevitable product of social, political and economic development. Because more money was needed in the circulation of commodities, and copper coins were short at that time, and they could not meet the needs in circulation.

The metal currency is heavy and inconvenient to carry. The emergence of 'silver notes' has facilitated business transactions, made up for the shortage of cash, and prevented the outflow of copper and iron coins. It was born with the trend. Then 'salt' was caused by the Song Dynasty government.

The attacks of Liao and Xia were very expensive, and in order to make up for the insufficient issuance of "debt volumes". It was originally an emergency stopgap, but later gradually evolved into a common means of depriving salt merchants of the interests of salt merchants and consolidating people's wealth.

Now, it has collapsed because Cai Jing has repeatedly changed the money law and lost his credit. After Wang Fu came to power, he had to abandon the salt money law and switched to free circulation of the market.

Although the salt banknote has become famous, Zhao Qiong also saw the positive side. He knew that the war against Jin would be a protracted war, which requires a lot of money to support. Once the war expands, it is necessary to expand the army and prepare for war.

Salt 'bond' can play the role of fundraising, so he doesn't want to give up, but wants to take it into his own hands...