Back to the Song Dynasty as a tyrant

"Speak." Zhao Ning said calmly.

"Your Majesty, do you still remember the specific affairs of King Kang's visit to the Northwest?"

"Shaanxi Liulu Civil Affairs, Hehuang Border Trade."

"Yes, Hehuang border trade, there are a lot of border trade between Shaanxi, Longyou and Hexi, not only official, but also private, especially after the imperial court popularized banknotes in Shaanxi, the currency is convenient, and business is unprecedentedly prosperous. After Guanzhong, the price was often several times, and the huge profits attracted countless people, but the local governments could not fill the growing commercial demand, so many businessmen appeared among the people."

Zhao Ning listened quietly, he didn't interrupt Yang Yan's words, it was very difficult for Yang Yan to lie to him.

"However, many folks have no money, but still want to make money. The threshold for bank loans is extremely high. In order to quickly promote the commercial prosperity of Shaanxi Sixth Road, Kang Wang decided to privately send people to the private sector to set up a lending company. He also allowed us to privately raise money to form this All kinds of lending and lending companies are all for the purpose of sending money to the people."

"Currency is the carrier of commerce. This is what His Majesty Shengming said in the book "General Theory of Currency". It is conducive to improving people's livelihood, and..."

Zhao Ning interrupted him and asked, "Is Kang Wang acquiescing, or did Kang Wang personally tell you that this can be done and encourage it?"

"Yes...Kang Wang sent people to organize it privately, and we followed closely behind."

"Then, does King Kang set an upper limit on interest rates for such lending companies?"

"This...no."

"Kang Kang will come to Jingzhao Mansion soon. Whether there is one or not, it can't just be your unilateral rhetoric. I believe that there are many people around Kang Wang who know about such a big event."

"I just remembered, Kang Wang said that the maximum interest rate should not exceed [-]!" Yang Yan said immediately, "But this matter is indeed what Kang Wang asked us to do."

It seems that Zhao Gou has not yet made a big death in the northwest.

This is also reasonable, how could Zhao Gou be so stupid as to ask people to lend usury privately?

As for Zhao Gou acquiescing and encouraging the private sector to lend themselves, to put it more professionally, it actually encourages the private sector to set up private investment companies.

The current laws of the Song Dynasty, including the "Banking Law", "Commercial Law", and "Commercial Society Law", all have clear regulations. Private individuals are not allowed to open banks or prepare money in any form to engage in foreign lending.

There is a legal basis for this.

Zhao Gou is jumping outside the law.

But obviously, the situation in Shaanxi is extremely special.

During the Song Dynasty, Shaanxi was not only the province of Shaanxi in later generations, its scope was extremely large.

It is bordered by Longyou on the left, Xixia on the north, and Hexi on the northwest.

When a large number of exotic goods come in, they are destined to be priced at a premium.

This is the law of business.

Exotic goods are unique, and unique goods can easily flow into the upper class and become a symbol of luxury.

For example, colored glaze, precious stones, and ivory from the Western Regions, swords from Xixia, and horses from Hexi.

As Yang Yan said, these cross-border business transactions have huge profits.

When business opportunities come, you can't just make money for the court and leave the people aside, right?

What's more, the imperial court can't swallow so many transactions. It's clear that there is money to be made, but it looks like it won't make money?

Zhao Ning believed that this was what Zhao Gou thought at the time.

It's just that he did it in private and didn't report it.

Because Zhao Gou knew that after reporting it, it could only cause fearless debates in the court, but the matter could not be resolved for a long time.

"Since King Kang said that the interest rate cannot exceed eleven, how does the Tsingyi Club explain it? Could it be less than eleven?"

"The initial interest rate of Tsingyi Club was set at [-], and I invested the money in it. I never asked about it, and I didn't know..."

"Do you not know, or pretend not to know! Or don't want to know!"

"The minister deserves death!"

"Where did you get so much money?"

"This... I received some money on weekdays..."

"Who did you ask for it?"

"This……"

"Find someone to go to the village and collect it in the name of throwing money back?"

"I must never dare!"

"Of course you don't dare. If you want to do something like this, just let me know, and there will be countless people who will squeeze their heads out of their heads to do things for you!"

Yang Yan prostrated himself on the ground without saying a word.

Since the invention of currency, human beings have begun to borrow and borrow.

Commerce needs money, money breeds borrowing, and borrowing hides great violence.

Especially lending without supervision and operating system.

In fact, there is a bigger beast. Zhao Ning has never dared to release it at will, or it has already been released, but he dare not ripen it.

what?

Liabilities!

The compromise method of the Song Dynasty is actually a kind of debt, and the national debt is a kind of debt. The new city and new policy currently implemented in Sijing must also be a kind of debt.

But all of these were firmly confined by Zhao Ning within a certain range.

In this era, large-scale development of debt is undoubtedly tantamount to suicide.

There is no other reason. With the current administrative and knowledge system, the accounts cannot be calculated.

Causing bad debts in the system, the Great Song Dynasty exploded directly from within.

This is why he has not allowed the private lending of private reasons.

"I have explained everything that I should explain, and I only did it under the authorization of His Royal Highness Kang Wang."

"How many people in Jingzhao Mansion are still lending money in private?"

"This... I don't..."

"Now is the opportunity to make amends, don't you cherish it?"

"I do know that Wang Qun's son is lending money in private. He knows a lot. Follow him to investigate, and you will find out a lot."

Zhao Ning nodded in satisfaction. Before leaving, he asked another question: "What happened to Zhou Shu's claim that Qin Hui knew about this matter and acquiesced in it?"

"I don't know, Zhou Shu said this, and Zhou Shu never mentioned it to me."

Zhao Ning left the prison of the Zhifu Yamen.

"Arrange someone to go in to record the statement, and after the end, take Yang Yan to the capital." Zhao Ning said to Hu Quan.

"Yes."

The 11th year of Jingkang has ended in a blink of an eye. On the first month of the 12th year of Jingkang, the auspicious snow heralds a good year, and every family in Shaanxi is happy and sad.

The contact with Xixia frontier disease means that Shaanxi's military service will be greatly reduced, and it will also mean more business opportunities in the coming year.

However, in the Battle of Exterminating Xia, the Song Army still killed many people.

Soon Chen Gui submitted an account, and the pension alone was as high as 300 million guan. Counting the rewards to the three armies, the salaries of the three armies, food consumption, and other consumption, the total cost was as high as ten million guan.

Controlled at tens of millions, for Zhao Ning, the risk is controllable and will not have a huge impact on the government of the court.

The most important thing is that the number of casualties is not too many, and Xingzhou is basically a peaceful occupation.

In the past few years, the people have more or less been war-weary, and Zhao Ning knows this.

On the fifth day of the first lunar month, King Kang arrived in Chang'an.

Chapter 1127 The real financial crisis of the Great Song Dynasty (third update)

Kang Wang walked all the way to the palace and to the backyard.

"Official!"

Zhao Ning, who was sitting in the pavilion, turned his head and saw a young man walking quickly towards this side.

That young man was Zhao Gou.

He stood up and walked towards Zhao Gou.

"The minister sees the official family."

"Nine Brothers, I haven't seen you for several years." Zhao Ning grabbed Zhao Gou's hand, still so kind and caring, "You've lost weight."

"During these years in the Northwest, I missed the official family day and night." Zhao Gou's eyes were full of tears.

"I have received all the letters you wrote to me, and I have read each of them. I have worked hard for you in the Northwest these years."

"It's all about sharing the worries of the officials. How come it's hard work."

Zhao Gou looked a little different from the past, his skin was tanned and not as smooth as before, and there were even a little more wrinkles at the corners of his eyes.

But it looks more mature and more stable.

"Come on, I arranged for someone to prepare delicious food and wine. Today, the two of us brothers will have a good drink."

Zhao Ning took Zhao Gou's hand and walked into the hall.

"His Majesty!"

"Ok?"

Zhao Gou knelt on the ground and said, "I'm guilty!"

"Jiu Geer, what is this for?"

"Your Majesty has committed a serious crime by arranging people to lend money privately. Your Majesty, please punish me!"

Zhao Ning helped Zhao Gou up, and said with a smile, "Today we only talk about family affairs, not state affairs."

"but……"

"It's New Year's Eve, do you want to argue with me about right and wrong?" Zhao Ning still said in a pleasant manner.

Seeing the kindness of Zhao Guan's family, Zhao Gou's fear dissipated a lot.

The two went to the hall.

Not long after, there was mutton, fine wine, and various snacks on the table.

Zhao Ning really didn't talk about state affairs today, so he had a drink with Zhao Gou and listened to some interesting things he experienced in the Northwest these years.

For example, many Tubo women desperately wanted to marry Song people, and even ran away.

However, the Tibetan woman who escaped will be severely punished after being captured.

Due to the fact that Tibetan women are reproductive tools in this era, they will not be sentenced to death.

According to Zhao Gou, there are many border people in the Hehuang area who married Tubo women.

Zhao Ning thought to himself, this is the great integration of nationalities.

Maybe those Tubo people are Qiang people, who are of the same origin as the Dangxiang people, and are slowly Sinicizing.

Zhao Gou also said a lot about people from the Western Regions crossing the Qilian Mountains and entering the Hehuang area, bringing with them a large number of treasures from the Western Regions.

As he said that, he himself took out a box, which contained a precious stone.

"Officials, it is said that this gemstone was brought from more distant Persia. The princes and nobles of Persia like this kind of sparkling stone. I asked someone to buy it after a lot of hard work. I made a special trip to give it to you. of."

"Ninth brother has a heart."

"I also heard that in the west of Persia, there are more powerful Turkic countries. Now that Xixia is destroyed, waiting for Hexi to recover, our Song Dynasty can trade with the countries of the Western Regions."

"You're talking about state affairs again."

Zhao Gou quickly raised his wine glass and said, "Always forget, I will punish myself with a drink."

The two drank until dark, and Zhao Gou stayed in the palace.

The two brothers were having a great time, or at least they seemed to be having a good time.

But after hearing that King Kang had returned to Chang'an City, Sun Fu immediately said: King Kang could not go back to Hehuang. His Majesty called him back in the name of celebrating the Spring Festival. In fact, his political career in the Northwest was over.

Sun Fu has negative points in war, but he is good in diplomacy and politics.

Judging from the follow-up operation of this matter, it is completely in line with Sun Fu's judgment.

It continues to ferment.