Back to the Song Dynasty as a tyrant

Farmers need money to buy farm tools and seeds. Sometimes when wars happen, taxes are heavy, and farmers go bankrupt and can only live on loans.

As a result, the private lending industry in the Song Dynasty was very developed.

And because of the severe land annexation in the Song Dynasty, most of the farmers were tenants, and tenants had more exchanges with landlords, so the main subjects of lending were landlords and tenants.

Landlords further exploited peasants by borrowing money.

Wang Anshi believed that the imperial court could introduce loans to unify and regulate this market.

In this way, private usury can be curbed, and the grain hoarded in Changping Division can be turned into commodities, which can increase the income of the imperial court.

It can enrich the country, reduce the pressure on the people, and achieve the goal of using the country without paying more taxes to the people.

So the Green Sprout Method came out, and then, the Green Sprout Method failed.

In the final analysis, the young crop method was the first major breakthrough in agricultural financial credit in ancient China.

While it failed, it meant a lot.

The most important reason for the failure of the Young Crops Law is also very simple: it is the poor who really need loans, and the government does not dare to lend food and money to the real poor on a large scale, because they are worried that the loaned money will not be recovered.

The government wants to lend money to the rich, but the rich don't need loans.

Therefore, according to Huang Zongxi's law, the Green Crop Law turned out to be a kind of tax, and was finally forced to stop.

Zhao Ning said: "What is the difference between Qin Hui's method of handing over banknotes to the countryside and Wang Jiefu's method of young crops?"

Zhao Ding said: "In the old days, the Qingmiao Law used to convert the grain raised by the Changping Division into money and lend it to the people. ..."

Zhao Ning immediately asked: "How is it at this moment?"

Zhao Ding said in a firm tone: "At this moment, it is like the private lending and payment of banknotes, which are printed by the imperial court."

Zhao Ning silently commented on Zhao Xianggong for a moment, Zhao Ding was a little nervous, and said: "Your Majesty, if the bank comes to control the transfer of banknotes into the countryside, one is that the court does not need to really spend the cost, and the other is that the borrowing objects are limited to farmers, which can increase The amount of banknotes handed over by the people will flow part of the wealth to the farmers, which can ease the tension in the world."

"So you agree with Qin Hui's policy of handing over banknotes to the village?"

"The minister agrees."

Zhao Ning really thinks that Zhao Ding is an excellent New Deal executor.

After the bank's new policy was stabilized, he planned to start the next step of the new agricultural loan policy, but he didn't expect that Zhao Ding and Qin Hui had already thought of it in advance.

But when Zhao Ding recommended Qin Hui, Zhao Ning couldn't help feeling emotional.

Qin Hui is not a good person!

However, Qin Hui's disguise made Zhao Ding think highly of him.

Chapter 448 Qin Hui enters the political affairs hall? (Second more)

Gao Qiu is a person with no ambitions, and he is completely forced by Zhao Ning to do things in the court.

This is called forced business.

But Qin Hui is different.

Qin Hui is an ambitious person. In many cases, he only needs a little hint from Zhao Ning, and he knows how to satisfy the Zhao family.

And in private, he makes friends with people from all walks of life.

If it hadn't been for the Zhao official's family to beat Qin Hui severely before, Qin Hui would never have offended the old party.

Qin Hui must have very strong personal ability.

He was in the same scientific examination as He Li, and He Li was the number one scholar, but He Li's ability was far behind Qin Hui's.

The difference between Zhao Ding and Qin Hui is actually very obvious.

Zhao Ding is capable, responsible, and has a public heart. He will not use power to retaliate for his own selfishness, or employ people because of his own preferences.

In other words, it's useless for you to flatter Zhao Ding, he sees a person's talent and suitability for the position.

He can truly achieve the word "body country".

Qin Hui, on the other hand, has strong personal ability, but basically has no public heart, and is very selfish.

Zhao Ding added: "There will inevitably be some problems when handing over banknotes to the countryside, but it can help Hebei, Hedong, and Jingdong restore people's livelihood as soon as possible, and relieve the pressure on the court."

More than a few problems.

Handing in money to the countryside, as the name suggests, is to release money to the countryside by means of loans.

In the Song Dynasty, rural fairs, that is, towns, had appeared between the countryside and counties, and there were rich transactions.

Currency must be circulated in rural areas.

But with the power of the rich and powerful, if you release 100 million banknotes to the people, they will soon be able to exploit the money in the hands of the farmers by means.

In a word: the imperial court prints money to stimulate agriculture and conducts quantitative easing. It can develop, but it will quickly widen the gap between the rich and the poor.

Zhao Ning said: "How to prevent people who are interested in borrowing money and not paying it back?"

"First, the target of the implementation is limited to the lessees of land equalization. The land in the hands of these people belongs to the imperial court. If they don't return it, the land will be taken back, and all the crops will be confiscated to make up for the non-repayment account. The recovered land will be sublet out."

"Second, the imperial court regularly buys grain from the lessees of the average land, hoards it, and promotes Changping. If the people have money in their hands, they will naturally repay the loan."

"Three, the imperial court supervisors and town officials are now implementing the new agricultural policy in villages and towns. Those who are willing to rent land are those who hope to improve their lives through farming. According to the current situation, as long as the people farm steadily, as long as there are no large-scale natural disasters, It is rich to sell some of the grain.”

In the policy Zhao Ding mentioned, the parties involved are: local banks, land renters under the New Deal, promotion of Changping Secretary, and township supervisor.

Among them, the bank lends money, and the renters of the New Deal use the money to buy farm tools and seeds, and then plant the land. When they have harvested, they recommend the Changping Secretary to buy part of the grain, and the farmers have money in their hands to repay the loan.

In this way, it not only solves the difficulties of farmers, but also releases the payment of banknotes, and also enriches the reserves of Changping Division.

In this process, the grassroots managers are the town supervisors.

This can be said to be an upgraded version of the new agricultural policy introduced before.

Zhao Ding continued: "In this way, wealth can be hidden among the people."

Zhao Ning said: "The part of the banknotes that are printed will go to the private sector, and the total private currency will increase. Isn't the currency going to depreciate?"

"If a farmer with only 300 cash in total borrows money to farm, and after a few years, has 5000 cash, even if the purchasing power of money is reduced by [-]%, the farmer can still afford clothes, and even occasionally Buy some meat, and the lives of the people will be better.”

Good guy, isn't Zhao Ding talking about promoting the overall development?

Let the income of ordinary people increase, exceeding the speed of monetary inflation.

It is really rare for Zhao Ding to see things at this level.

In other words, the Great Song Dynasty did indeed have commercial genes.

The officials of the Great Song Dynasty were indeed business elites.

The banknote delivery system is still only the first generation, but the establishment of the bank seems to have opened up the thinking of people like Zhao Ding.

Seeing that the Zhao official family seemed to be still hesitating, Zhao Ding continued: "The official family is worried that the currency will depreciate and cause big households to object?"

"No, the big households have eaten enough, and I don't want to deal with them when they object." Zhao Ning said succinctly, "I'm just worried that the currency will not be controlled."

As a time traveler, he has seen too many people in the history of human beings playing with paper money to kill themselves in the book.

Once the flood floods, it is worse than the author... no, it is worse than war.

However, Zhao Ding and the others were able to recognize this level, which more or less dispelled Zhao Ning's worries. After all, he was ready to pay the workers in Shaanxi with banknotes.

Zhao Ning continued: "I agree with your proposal, but there are some problems in it, and the court needs to make arrangements in advance."

"Your Majesty is stupid, please make it clear."

Zhao Ning asked: "Is the buying and selling in the private market autonomous?"

Zhao Ding said: "Yes."

"Then let's call it a free market."

Zhao Ding was stunned for a moment, thinking that the word "free market" was very clever.

"In the free market, the big players are big businessmen and local dignitaries. Once the farmers have money, these people will definitely find ways to get the money from the farmers into their hands."

Zhao Ding said: "Your Majesty is right."

Zhao Ning continued: "The money printed by the imperial court stayed in the hands of the people at first, and soon flowed into the hands of the powerful, but as the total amount of money increased, the money on the market depreciated and the prices of commodities were raised. People don’t have much money in their hands, and this will undoubtedly increase the burden on the people.”

Zhao Ding couldn't help admiring: "Your Majesty has far-sighted considerations, which I have not considered."

"This is a very serious problem. It is feasible to hand over banknotes into the countryside. It makes up for the shortcomings of the first generation of new agricultural policies, but I don't want the policy of handing over banknotes into the countryside to become a policy that harms the people."

Zhao Ning continued: "Some officials in the imperial court have a lazy mentality. They hope to print money to solve all problems. , we must strictly control this point, so that we can cultivate people's livelihood and stabilize the foundation."

Zhao Ding thought for a while and said: "Balancing the distribution of wealth among the people is another important policy. By raising taxes on the rich to increase the revenue of the treasury, the imperial court will buy goods from the people, so that money will flow into the people, and wealth will be distributed between merchants and producers." The balance between the time. The bank regularly withdraws the banknotes to balance the amount of banknotes in the market.”

"It's definitely good for you to come up with a strategy for these things, so that you can quickly restore the strength of the people in the north and replenish the national treasury."

"Yes."

While talking, he has arrived near the palace.

"I've heard that the people in the land of Yanyun are already lacking in strength. If they want to fight against the gold in the future, they will need to emigrate to the north in large numbers. Immigration needs money. If they want to fight against the gold, the current financial resources are far from enough."

Zhao Ding said: "I have calculated that at least 100 million households must be immigrated to the land of Yanyun. If each household is given a subsidy of 3000 guan, it will be [-] million guan. If you really want to take it back and become the front line of cutting gold, you will have to invest at least [-] million yuan in a few years."

This is not counting the budget for recovering the three towns in the north and restoring the people's power of the three towns in the north, let alone the budget for destroying Xixia.

Destruction of a country does not depend on one's passion, but on strong financial resources.

Zhao Ning is under a lot of pressure, internal and external, and there are bound to be many risks in the implementation of the New Deal.

But it is also impossible.

In addition, supplementing raw materials from overseas and enriching the quantity of goods can also play a role in curbing inflation.

Zhao Ding got out of the carriage, and Zhao Ning lifted the curtain and said, "Right now, the Seven Routes New Deal has begun to be implemented. Since Qin Hui wants to implement the payment of banknotes into the countryside, let him replace Xu Han's Shangshu Youcheng and implement the delivery of banknotes into the countryside. .”

Chapter 449 Zhao Gou is back (third update)

On September [-], Xu Han submitted his resignation from the ruling government due to health reasons.

Zhao Guanjia agreed, and gave Xu Han the honorary title of Prince Taifu to express his respect and gratitude to Guochao for his contributions over the years.

On the day Xu Han resigned, letters of recommendation from many officials were sent to Guan Zhao's house.

There are two people on the recommendation list, one is Wang Zonglian and the other is Qin Hui.

Qin Hui defeated Wang Zonglin with an overwhelming advantage.

This is not a surprise, Qin Hui is still in charge of the Luoyang case, and his reputation is second to none.

Zhao Ning has always been adhering to the way of employing people that a pile of shit in a latrine also has its uses.

On September [-], amidst the curses of Qingliu everywhere, Qin Hui's appointment edict came down.

From this day on, Qin Hui became Shangshu Youcheng, the ruler of the Great Song Dynasty, and concurrently served as Shangshu of the Ministry of Punishment.

The appointment of Qin Hui was actually not just recommended by Zhao Ding.

Qin Hui handled the Luoyang case, at least on the surface, he made a great contribution.

As an emperor, one must be clear about rewards and punishments, rather than being influenced by personal preferences.

Promoting Qin Hui also let the world see that Zhao Guan's family is a person who rewards for meritorious deeds, and will definitely be punished if he is guilty.

The entire September of the fifth year of Jingkang entered an important period of appointment and removal of old and new officials.

The Luoyang case will definitely cause a sensation in the world.

A large number of officials in the court were purged, including those who used to be double-faced in the new decent school.

On September [-]th, the late autumn sun was warm and warm. Zhao Ning and Qian Jinshu were making tea and playing the piano in the back garden.

Sitting there, Zhao Guanjia relaxed his whole body, enjoying the rare afternoon time.

Zhao Ning suddenly asked, "Have you contacted your brother recently?"

Qian Jinshu said, "Wrote a few letters."

"Is your brother okay?"

Qian Jinshu smiled and said, "Everything is fine. I heard from him that there are many children of maritime merchants in Hangzhou who are helping him to compile textbooks for Hangzhou Maritime University."

Zhao Ning actually knew about Qian Yuqing's achievements in Hangzhou.

Qian Yuqing would come back regularly for memorials, and now Hangzhou Maritime University has been established, and some students have enrolled, most of whom are children of local maritime merchants.

To be precise, the first batch of students who came in did not come to learn things, but to be gilded.

After coming out, you can directly enter the Shibo Department to take up some official positions.