Outside the Guanjia Hall, the monarchs and ministers of the Song Dynasty were speechless by Zhao Jun.
Although Zhao Jun has explained it in a relatively simple way, there are still a lot of financial terms and concepts that they have not understood, so they are still confused.
But this does not prevent them from feeling that what Zhao Jun said is inscrutable and seems to be able to solve the current dilemma.
Therefore, everyone craned their necks to continue listening.
Seeing that Zhao Jun was getting carried away, Yan Shu hurriedly returned to the topic and said: "Jiaozi sounds like it is indeed a good thing that benefits the country and the people. Why not use Jiaozi for ordinary people? If everyone saves money in the bank, Doesn’t the country have a lot of money to spend?”
"Because of the poor execution ability of the Song Dynasty and the corrupt officials at the middle and lower levels, if banks were fully opened and people were allowed to deposit money in them, there would definitely be countless cases of corruption and excessive issuance."
Zhao Jun said: "Not only will Jiaozi not bring benefits to the financial system of the Song Dynasty, it is also likely to directly cause serious consequences, just like during the Huizong period of Song Dynasty, accelerating the demise of the Northern Song Dynasty."
"I don't quite understand. Can Teacher Zhao explain it in detail?"
"It's very simple. Corruption was serious among the middle and lower classes in the Song Dynasty. When people went to banks to save money, and suddenly had such a large amount of money in their hands, those officials were likely to directly embezzle the bank money for corruption, or use it to make loan sharks to exploit the people at the bottom. .”
"What if the Song Dynasty court strictly supervised it?"
"Strict supervision and execution may not be enough. What's more, even if it can prevent corruption, can the Song Dynasty court solve the management problems caused by millions of people saving money at the same time?"
"Management issues? Is there any management issue with the money being placed in the warehouse?"
"Management problems are not just about money being stored in warehouses, but also issues such as anti-counterfeiting, counterfeiting, and statistics. These are not so easy to solve. Uncle Lari, think about it, if there are artificial fake money withdrawn from banks all over the country, Money, the Song Dynasty will suffer a loss."
"All right."
Yan Shu scratched his head. In fact, he still didn't understand something. After all, finance did not have a specialized discipline in ancient times, and there was no systematic classification. Even the smartest people could not understand it all at once.
"The other thing is to promote this thing nationwide, the plate will be very big, and all kinds of problems will be exposed one by one. We have a saying that any small matter will become a big event when placed in a population of 1.4 billion. , the same principle applies to Jiaozi.
Zhao Jun continued: "If we just spread Jiaozi in the major commercial and economic cities of the Song Dynasty, mainly to deal with big businessmen and help them solve their difficulties, it would be equivalent to a pilot project. Then the problems affected and exposed would be much less. It is also easier to supervise. For example, the problems of anti-counterfeiting and counterfeiting can basically be solved.”
"How to deal with it?"
Yan Shu asked again.
Zhao Jun explained: "Big businessmen are definitely not consistent in saving money. A bank note may be dozens, hundreds or even thousands of dollars. Real bank notes made with such a large amount of money are not only available to merchants, but also to people all over the country. Shops also need to keep ticket stubs. For example, in the Song Dynasty, when Jiaozi shops were opened in ten cities, these ten cities plus the treasury must have ticket stubs. Where big businessmen withdraw money, they must report it to the treasury, and the money will be destroyed after it is withdrawn. .”
"That's not right."
Sheng Du once reformed the salt law and made certain achievements in the economy, so he was keenly aware of a problem and immediately said: "What if there are ticket stubs in ten cities and merchants can withdraw money everywhere?"
"This problem is easy to solve. First, if a businessman wants to withdraw money, he must report to the government some time in advance and tell the government what he wants the money for. For example, a businessman from one place wants to buy goods from another place and transport them back. Then before he sets off, he must report to the government so that he can withdraw the money at his destination. The government will have enough time to verify and destroy all the banknotes, and at the same time, it can prepare enough coins for him in time."
Zhao Jun said: "The second is that the merchants chosen must be wealthy, top businessmen who have a lot of property in their names and families. If such businessmen want to take advantage of loopholes and be caught by the Song Dynasty court, there are sufficient reasons. They confiscate their families and exterminate their families, and directly use their property to fill the national treasury.”
It is not easy to ensure safety when opening a Jiaozi shop. The method mentioned by Zhao Jun does have loopholes that can be exploited.
Because doing business in ancient times was actually more difficult, mainly due to transportation problems.
In the final analysis, when businessmen travel abroad, they transport specialties from a certain place to other places and then bring the specialties from other places back to their local area to earn the price difference.
If it was a large-scale transaction, merchants would have to carry huge amounts of copper coins and cash and travel across the country via waterways and canals, which would require a lot of manpower and material costs such as fleets, escorts, and porters.
Sometimes the weight of the goods purchased, such as silk, gold and silverware and other expensive luxuries, is not even as heavy as the copper coins and cash carried.
The emergence of Jiaozipu solved the problem of merchants needing to carry large amounts of copper coins and cash.
When businessmen do business in the future, they can deposit money at place A and withdraw money at place B, saving the cost of carrying copper coins, cash and transportation when setting off.
But in ancient times, when information circulation was underdeveloped, would it be feasible for merchants to deposit money from place A and withdraw money multiple times in places B, C, D, etc.?
It works in theory.
However, reporting in advance and selecting merchants solve this problem.
Businessmen must report in advance when withdrawing money, telling the government where they are going to do business and how much money they want to withdraw, before they can set off to another place.
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 be selected. 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 thing 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?"
After 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." Zipu, and also asked Ziwu to manage it properly, is because there are so 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 issues such as printing more and less printing, 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 credibility is destroyed, it is more likely that the cross-citation law will 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?"
"Maybe it can 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, 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 official family a little shock and inspired them a lot, but I don't know whether this is a good thing or a bad thing.
